
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.
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
Chocolate, grapes, human medicine, and cleaning products can be dangerous or even deadly4.
Typical cost: Around $420
Some cases: Over $30,000
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
Falls, car accidents, or rough play can lead to fractures that need surgery and recovery time.
Typical cost: $640
Some cases: Over $33,000
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
Burns from hot surfaces, fires, or chemicals are painful and need special care.
Typical cost: $180
Some cases: Over $12,500
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
Dental injuries can lead to infections and long-term problems if not treated.
Typical cost: $700
Some cases: Over $15,000
These symptoms can be caused by infections, pancreatitis, or something more serious.
Treatment range: $800 to $4,800
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