Typical 2026 prices for 24 procedures, from the annual check-up to emergency surgery, in CAD. Crowd-checked with real owner bills.
Kitchener-Waterloo price index 1.03×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 | $75–$155 | none yet | routine |
| Emergency Exam (after hours) | $155–$360 | none yet | covered |
| Puppy Vaccine Series | $260–$465 | none yet | routine |
| Annual Booster Vaccines | $95–$205 | none yet | routine |
| Spay (female) | $515–$1,135 | none yet | routine |
| Neuter (male) | $410–$825 | none yet | routine |
| Dental Cleaning (under anaesthesia) | $670–$1,340 | none yet | covered |
| Euthanasia + Cremation | $260–$720 | none yet | covered |
| Microchip | $52–$95 | none yet | routine |
| Common illnesses | |||
| Dental Cleaning with Extractions | $1,545–$3,605 | none yet | covered |
| Bloodwork Panel (CBC + chemistry) | $155–$360 | none yet | covered |
| X-rays (2 views) | $205–$515 | none yet | covered |
| Abdominal Ultrasound | $410–$825 | none yet | covered |
| Ear Infection Treatment | $155–$360 | none yet | covered |
| Urinary Tract Infection | $205–$465 | none yet | covered |
| Skin Allergy Workup | $310–$925 | none yet | covered |
| Vomiting / Diarrhea Visit | $205–$720 | none yet | covered |
| Surgery | |||
| Foreign Body Surgery (swallowed object) | $2,575–$6,180 | none yet | covered |
| ACL / Cruciate Repair (TPLO) | $4,635–$8,240 | none yet | covered |
| Bloat (GDV) Emergency Surgery | $5,150–$10,300 | none yet | covered |
| Lump / Mass Removal | $620–$2,060 | none yet | covered |
| Fracture Repair | $3,090–$7,210 | none yet | covered |
| Emergency & major | |||
| Cancer Treatment (chemo course) | $5,150–$15,450 | none yet | covered |
| Diabetes (first year) | $2,060–$4,120 | none yet | covered |
Estimated annual routine care. Kitchener-Waterloo highlighted.
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For a young dog, plans in Kitchener-Waterloo run about $46–$100 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 $75–$155. Emergency exams start around $155.
Kitchener-Waterloo sits at 1.03× the Canada average, above most cities in our index.
At local prices a single ACL surgery can reach $8,240. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.