Here in the states there is pet health insurance available. Don't know what all it covers, but it's something I might consider if I get another bordercollie.
The one I have blew her knees out a coupld years ago. I was told that it was a correctable thing, but it would require surgery, and at the tune of about three grand, I opted to not have her go through that procedure. She gets around pretty good, but she isn't a mountain goat any more, she asks for help getting into the pickup bed, and she will get pretty stiff after helping out with livestock. I just administer some meticam, and that seems to help out quit a bit. (she will still sale through an open window of a pickup if something upsets her, like a gunshot, or a lawn mower)
Those canadian prices sound pretty bad. I'm glad I'm here in the middle of the US. I keep saying that the next time I need something done, I'm taking myself to the vet. :clap: