Typical 2026 prices for 27 procedures, from the annual check-up to emergency surgery, in CAD. Crowd-checked with real owner bills.
Toronto price index 1.15×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 | $85–$170 | none yet | routine |
| Emergency Exam | $170–$345 | none yet | routine |
| Kitten Vaccine Series | $170–$345 | none yet | routine |
| Annual Vaccines & Wellness | $115–$205 | none yet | routine |
| Dental Cleaning | $460–$1,090 | none yet | routine |
| Bloodwork Panel | $125–$345 | none yet | covered |
| X-rays | $170–$460 | none yet | covered |
| Ultrasound | $400–$805 | none yet | covered |
| Euthanasia & Aftercare | $170–$520 | none yet | routine |
| Microchip | $57–$115 | none yet | routine |
| Common illnesses | |||
| Urinary Tract Disease (non-blocked) | $345–$1,035 | none yet | covered |
| Kidney Disease, first year | $690–$2,760 | none yet | covered |
| Hyperthyroidism, medication per year | $460–$1,035 | none yet | covered |
| Ear Infection | $170–$460 | none yet | covered |
| Urinary Infection | $230–$575 | none yet | covered |
| Skin Allergy Work-up | $290–$920 | none yet | covered |
| Vomiting & Diarrhea Work-up | $290–$1,035 | none yet | covered |
| Diabetes, first year | $1,380–$3,450 | none yet | covered |
| Surgery | |||
| Spay (female) | $200–$520 | none yet | routine |
| Neuter (male) | $170–$400 | none yet | routine |
| Dental Extractions | $400–$1,380 | none yet | covered |
| Lump Removal & Biopsy | $575–$1,725 | none yet | covered |
| Emergency & major | |||
| Urinary Blockage (male cat) | $1,035–$4,715 | none yet | covered |
| Hyperthyroidism, radioiodine (I-131) | $1,840–$4,025 | none yet | covered |
| Foreign Body Surgery | $2,300–$5,750 | none yet | covered |
| Fracture Repair | $2,070–$5,750 | none yet | covered |
| Cancer Treatment | $3,450–$11,500 | none yet | covered |
Estimated annual routine care. Toronto highlighted.
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For a young cat, plans in Toronto run about $52–$110 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 $85–$170. Emergency exams start around $170.
Toronto sits at 1.15× the Canada average, above most cities in our index.
At local prices a single ACL surgery can reach $4,715. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.