
Date posted: Oct 31, 2025
If you’re a pet parent in Canada, you know how much dogs and cats mean to us¹. But just like people, pets can have emergencies. And when they do, vet bills can add up fast².
Here are 9 of the most common emergencies vets see in dogs and cats across Canada, and how pet insurance can help cover the costs³.
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 $800
Some cases: Over $38,000
Chocolate, grapes, human medicine, and cleaning products can be dangerous or even deadly⁵.
Typical cost: Around $300
Some cases: Over $22,000
Whether it’s from another animal or a wild encounter, bites can get infected and need urgent care⁴.
Typical cost: $280
Some cases: Over $39,000
Falls, car accidents, or rough play can lead to fractures that need surgery and recovery time⁶.
Typical cost: $460
Some cases: Over $24,000
Things like being hit by a car or falling from a height can cause internal injuries and need emergency treatment⁶.
Typical cost: $300⁴
Some cases: Over $42,000⁴
Burns from hot surfaces, fires, or chemicals are painful and need special care.
Typical cost: $135
Some cases: Over $9,000
This could be a sprain, torn ligament, or arthritis. It’s often a sign something’s wrong.
Typical cost: $195
Some cases: Over $9,600
Dental injuries can lead to infections and long-term problems if not treated.
Typical cost: $500
Some cases: Over $11,000
These symptoms can be caused by infections, pancreatitis, or something more serious⁷.
Treatment range: $600 to $3,500
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
⁵ Toxic Foods and Household Hazards for Pets. Preventive Vet 
⁶ Common Pet Injuries and Emergency Care. Global News 
⁷ How Pet Insurance Works. Trupanion Canada