9 Common Pet Emergencies

9 Common Pet Emergencies

Date posted: Oct 31, 2025

If you’re a pet parent in Canada, you know how much dogs and cats mean to us. But just like people, pets can have emergencies. And when they do, vet bills can add up fast.

Here are 9 of the most common emergencies vets see in dogs and cats across Canada, and how pet insurance can help cover the costs.

1. Eating Something They Shouldn’t

Pets love to chew and swallow things – socks, toys, string, even rocks. These can block their stomach or intestines and often need surgery.

  • Typical cost: Around $1,100

  • Some cases: Over $50,000

2. Poisoning

Chocolate, grapes, human medicine, and cleaning products can be dangerous or even deadly4.

  • Typical cost: Around $420

  • Some cases: Over $30,000

3. Bite Wounds

Whether it’s from another animal or a wild encounter, bites can get infected and need urgent care.

  • Typical cost: $390

  • Some cases: Over $54,000

4. Broken Bones

Falls, car accidents, or rough play can lead to fractures that need surgery and recovery time.

  • Typical cost: $640

  • Some cases: Over $33,000

5. Serious Injuries

Things like being hit by a car or falling from a height can cause internal injuries and need emergency treatment.

  • Typical cost: $415

  • Some cases: Over $58,000

6. Burns

Burns from hot surfaces, fires, or chemicals are painful and need special care.

  • Typical cost: $180

  • Some cases: Over $12,500

7. Limping or Trouble Walking

This could be a sprain, torn ligament, or arthritis. It’s often a sign something’s wrong.

  • Typical cost: $270

  • Some cases: Over $13,000

8. Broken Teeth

Dental injuries can lead to infections and long-term problems if not treated.

  • Typical cost: $700

  • Some cases: Over $15,000

9. Vomiting or Diarrhea

These symptoms can be caused by infections, pancreatitis, or something more serious.

  • Treatment range: $800 to $4,800

How Pet Insurance Helps

Pet insurance helps cover unexpected vet bills. Depending on your plan, it can pay for up to 90% of emergency costs. Insurance can help cover:

  • Emergency surgeries

  • Hospital stays

  • Tests and scans

  • Medications

  • Ongoing care for chronic issues

Without insurance, a single emergency could cost thousands. With it, you can focus on helping your pet recover, not worrying about the bill.

Sources:

¹ Pet insurance: What Canadians need to know about vet bills. Global News
² CAHI Pet Population and Health Statistics. Canadian Animal Health Institute
³ Pet Emergency Statistics & Costs. Preventive Vet
⁴ Common Pet Emergencies and Costs. Trupanion Canada

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†No purchase necessary. Contest open to legal residents of Canada who are 18 years of age or older and have a valid Blue Rewards membership number or become a Blue Rewards Member during the contest period. Contest runs from September 1, 2026, at 12:00:00 a.m. ET to December 31, 2026, at 11:59:59 p.m. ET. To enter, obtain a BMO Pet Insurance quote during the contest period and provide a valid Blue Rewards membership number. Limit of one (1) entry per person/household. Eligible entrants will receive 500 Blue Points, subject to Blue Rewards program terms and conditions. One (1) Grand Prize is available to be won: a Global Pet Foods Inc. (doing business in Quebec as Pitou Minou & Compagnons Inc.) ("GPF") gift card with an approximate retail value of $4,000 CAD. Odds of winning depend on the number of eligible entries received. Selected entrant must correctly answer a time-limited mathematical skill-testing question and comply with all contest requirements before being declared a winner. View full contest rules.

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