Tibial plateau levelling osteotomy for a torn cruciate ligament, the most common orthopedic surgery in dogs.
Typical plans reimburse 80–90% after the deductible, for about $40–$85/month for a young dog.
Mid-point of the typical range. St. John's highlighted.
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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.
Most St. John's clinics charge between $4,050 and $7,200 in 2026. Specialty and emergency hospitals sit at the top of that range; neighbourhood clinics sit lower.
Vet prices track rent, wages and clinic competition. St. John's runs about 10% below the national average across our index.
Yes, for most accident-and-illness plans, subject to your deductible, waiting periods and any pre-existing-condition exclusion.
Dog size and weight (medication and anaesthesia scale with weight), whether bloodwork or imaging is needed first, after-hours timing, and whether a specialist is involved.
Ask for an itemised estimate, compare two clinics, check veterinary-college teaching hospitals, ask about payment plans, and use insurance if the dog was covered before symptoms started.