Canadians spend about $4 billion every year on their pets. One area where costs have been growing consistently is medical care. Better access and more quality veterinary care leads to increased veterinary costs, making dog insurance seem like a no-brainer. You, your family, and your friends are insured, and with 86% of Canadian dog owners who consider their pets to be part of the family, it makes sense to have health coverage for your dog too.
Using our database, we looked at a few of Canada’s top cities to identify their signature breed and pet name, and identified what common health concerns trouble them. A city’s signature breed or dog name is not necessarily its most popular, but its most distinct, with a higher frequency in these cities than the rest of Canada. Here’s what we found.
City: Toronto, Ontario
Signature Breed: Cockapoo
Signature Dog Name: Dexter
Toronto’s signature dog is the Cockapoo. Cockapoos are a great breed for families and often have a hypoallergenic coat with little to no shedding. They’re curious, entertaining, and affectionate. Unfortunately some of these friendly dogs are prone to eye, knee and back problems. Cataracts are commonly found in Cockapoos and can cost as much as $3,000 to perform surgery on both eyes. Dog insurance from Trupanion can help offset the veterinary costs to treat health conditions Cockapoos are prone to. A monthly payment for a 1-year-old male Cockapoo in Toronto is around $53 (with a $250 deductible)*. That’s $636 annually – much less than you’d pay for cataract surgery without dog insurance.
City: Vancouver, British Columbia
Signature Breed: Bernese Mountain Dog
Signature Dog Name: Luna
Vancouver’s signature breed is the Bernese Mountain Dog, a lovable, loyal breed. This calm, intelligent, and very trainable dog is like many large breeds, prone to hip and elbow dysplasia, knee ligament tears, and joint problems. The most common claim we receive for Bernese Mountain Dogs is for cranial cruciate ligament ruptures (similar to an ACL tear in humans). These can cost anywhere from $1,500 – $3,000 to repair. The monthly payment for a 1-year-old male Bernese Mountain Dog in Vancouver is around $122 (with a $250 deductible)*. This is $1,464 annually – less than you’d pay for the cruciate rupture surgery without dog insurance.
City: Edmonton, Alberta
Signature Breed: Great Dane and Havanese
Signature Dog Name: Sadie
We have a tie! Our research discovered there are two signature dog breeds in Edmonton, the Great Dane and Havanese. Both dog breeds have their own unique characteristics and health concerns.
Great Danes are friendly, dependable and well-mannered dogs. These fearless, companionate, and courageous gentle giants are unfortunately also prone to cruciate ruptures, bone cancer (osteosarcoma) and Wobbler’s syndrome. The monthly payment for a 1-year-old male Great Dane in Edmonton is around $93 (with a $250 deductible)*. That is $1,116 annually. For Wobbler syndrome related claims alone we pay out $1,364 on average. Dog insurance is an easy budgeting tool to keep your finances inline.
Havanese are busy, intelligent and playful dogs. They are affectionate and highly intelligent and also known as little performers. But even these little stars in the making can be prone to health issues like cataracts and allergies among a few other things. Allergies can be treated with a wide variety of methods though they typically require regular maintenance, which can include monthly prescriptions. With dog insurance from Trupanion you pay only 1 deductible per condition, so when you meet your deductible with allergies once you’re covered for the rest of your Havanese’s life. A monthly payment for a 1-year-old male Havanese in Edmonton is around $39 (with a $250 deductible)*
City: Victoria, British Columbia
Signature Breed: Standard Poodle
Signature Dog Name: Murphy
Standard Poodles are more common in Victoria than any other city in Canada. They are playful, obedient and incredibly smart. This breed can be prone to health concerns including Addison’s disease, heart disease, and eye issues like glaucoma and cataracts. Surgery for glaucoma can cost between $1,400 and $3,000, depending on severity and the average cost of surgery for cataracts is $3,000 for both eyes.
The monthly payment for a 1-year-old Standard Poodle in Victoria is around $60 (with a $250 deductible)*. That’s $720 annually, much less than the cost to treat just one of their common eye issues without dog insurance.
Dog insurance costs across Canada vary greatly. A dog living in downtown Toronto is going to be more costly to insure than one in a small town in Saskatchewan because there is better access to advanced veterinary medicine and the cost of it is higher in the city. As you can see, the annual costs of dog insurance are less than the cost of treatments and surgeries for common canine health conditions, which can be thousands of dollars to treat. Though you never want to use your dog’s insurance, the peace of mind that comes with being covered is well worth the cost on its own. Dog insurance just makes sense.
For more information on dog insurance and to get a quick quote on what it would cost for you, visit Trupanion.com. Is your breed not listed here? Learn about their health concerns using this guide.
*Please note: Monthly payment options were provided June 2015, payments may vary. Get a quick quote now to see what your specific costs may be.