Typical 2026 prices for 27 procedures, from the annual check-up to emergency surgery, in NZD. Crowd-checked with real owner bills.
Auckland price index 1.12×Typical range = what a general-practice clinic quotes. Real bills = median of verified owner submissions (published once we have three).
| Procedure | Typical range | Real bills | Insurance |
|---|---|---|---|
| Routine care | |||
| Vet Exam Fee | NZ$70–NZ$140 | none yet | routine |
| Emergency Exam | NZ$140–NZ$275 | none yet | routine |
| Kitten Vaccine Series | NZ$140–NZ$275 | none yet | routine |
| Annual Vaccines & Wellness | NZ$90–NZ$165 | none yet | routine |
| Dental Cleaning | NZ$365–NZ$870 | none yet | routine |
| Bloodwork Panel | NZ$100–NZ$275 | none yet | covered |
| X-rays | NZ$140–NZ$365 | none yet | covered |
| Ultrasound | NZ$320–NZ$645 | none yet | covered |
| Euthanasia & Aftercare | NZ$140–NZ$415 | none yet | routine |
| Microchip | NZ$46–NZ$90 | none yet | routine |
| Common illnesses | |||
| Urinary Tract Disease (non-blocked) | NZ$275–NZ$825 | none yet | covered |
| Kidney Disease, first year | NZ$550–NZ$2,205 | none yet | covered |
| Hyperthyroidism, medication per year | NZ$365–NZ$825 | none yet | covered |
| Ear Infection | NZ$140–NZ$365 | none yet | covered |
| Urinary Infection | NZ$185–NZ$460 | none yet | covered |
| Skin Allergy Work-up | NZ$230–NZ$735 | none yet | covered |
| Vomiting & Diarrhea Work-up | NZ$230–NZ$825 | none yet | covered |
| Diabetes, first year | NZ$1,100–NZ$2,755 | none yet | covered |
| Surgery | |||
| Spay (female) | NZ$160–NZ$415 | none yet | routine |
| Neuter (male) | NZ$140–NZ$320 | none yet | routine |
| Dental Extractions | NZ$320–NZ$1,100 | none yet | covered |
| Lump Removal & Biopsy | NZ$460–NZ$1,380 | none yet | covered |
| Emergency & major | |||
| Urinary Blockage (male cat) | NZ$825–NZ$3,765 | none yet | covered |
| Hyperthyroidism, radioiodine (I-131) | NZ$1,470–NZ$3,215 | none yet | covered |
| Foreign Body Surgery | NZ$1,835–NZ$4,590 | none yet | covered |
| Fracture Repair | NZ$1,655–NZ$4,590 | none yet | covered |
| Cancer Treatment | NZ$2,755–NZ$9,185 | none yet | covered |
Estimated annual routine care. Auckland highlighted.
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For a young cat, plans in Auckland run about NZ$41–NZ$85 a month. One surgery on the table above would repay years of premiums.
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A standard exam runs NZ$70–NZ$140. Emergency exams start around NZ$140.
Auckland sits at 1.12× the New Zealand average, above most cities in our index.
At local prices a single ACL surgery can reach NZ$3,765. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.