Typical 2026 prices for 27 procedures, from the annual check-up to emergency surgery, in CAD. Crowd-checked with real owner bills.
St. John's price index 0.90×Typical range = what a general-practice clinic quotes. Real bills = median of verified owner submissions (published once we have three).
| Procedure | Typical range | Real bills | Insurance |
|---|---|---|---|
| Routine care | |||
| Vet Exam Fee | $70–$135 | none yet | routine |
| Emergency Exam | $135–$270 | none yet | routine |
| Kitten Vaccine Series | $135–$270 | none yet | routine |
| Annual Vaccines & Wellness | $90–$160 | none yet | routine |
| Dental Cleaning | $360–$855 | none yet | routine |
| Bloodwork Panel | $100–$270 | none yet | covered |
| X-rays | $135–$360 | none yet | covered |
| Ultrasound | $315–$630 | none yet | covered |
| Euthanasia & Aftercare | $135–$405 | none yet | routine |
| Microchip | $45–$90 | none yet | routine |
| Common illnesses | |||
| Urinary Tract Disease (non-blocked) | $270–$810 | none yet | covered |
| Kidney Disease, first year | $540–$2,160 | none yet | covered |
| Hyperthyroidism, medication per year | $360–$810 | none yet | covered |
| Ear Infection | $135–$360 | none yet | covered |
| Urinary Infection | $180–$450 | none yet | covered |
| Skin Allergy Work-up | $225–$720 | none yet | covered |
| Vomiting & Diarrhea Work-up | $225–$810 | none yet | covered |
| Diabetes, first year | $1,080–$2,700 | none yet | covered |
| Surgery | |||
| Spay (female) | $160–$405 | none yet | routine |
| Neuter (male) | $135–$315 | none yet | routine |
| Dental Extractions | $315–$1,080 | none yet | covered |
| Lump Removal & Biopsy | $450–$1,350 | none yet | covered |
| Emergency & major | |||
| Urinary Blockage (male cat) | $810–$3,690 | none yet | covered |
| Hyperthyroidism, radioiodine (I-131) | $1,440–$3,150 | none yet | covered |
| Foreign Body Surgery | $1,800–$4,500 | none yet | covered |
| Fracture Repair | $1,620–$4,500 | none yet | covered |
| Cancer Treatment | $2,700–$9,000 | none yet | covered |
Estimated annual routine care. St. John's highlighted.
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For a young cat, plans in St. John's run about $40–$85 a month. One surgery on the table above would repay years of premiums.
90% reimbursement, no payout limits, pays the vet directly at many Canadian clinics.
Get a quote →Covers exam fees, dental disease and behavioural therapy; flexible deductibles.
Get a quote →Canadian-owned since 1989, four plan levels, dental included on all plans.
Get a quote →Disclosure: some links are referral links. They never change your price. We list insurers we would consider ourselves, not whoever pays most.
A standard exam runs $70–$135. Emergency exams start around $135.
St. John's sits at 0.90× the Canada average, at or below most cities in our index.
At local prices a single ACL surgery can reach $3,690. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.