Typical 2026 prices for 27 procedures, from the annual check-up to emergency surgery, in NZD. Crowd-checked with real owner bills.
Palmerston North price index 0.93×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$57–NZ$115 | none yet | routine |
| Emergency Exam | NZ$115–NZ$230 | none yet | routine |
| Kitten Vaccine Series | NZ$115–NZ$230 | none yet | routine |
| Annual Vaccines & Wellness | NZ$75–NZ$135 | none yet | routine |
| Dental Cleaning | NZ$305–NZ$725 | none yet | routine |
| Bloodwork Panel | NZ$85–NZ$230 | none yet | covered |
| X-rays | NZ$115–NZ$305 | none yet | covered |
| Ultrasound | NZ$265–NZ$535 | none yet | covered |
| Euthanasia & Aftercare | NZ$115–NZ$345 | none yet | routine |
| Microchip | NZ$38–NZ$75 | none yet | routine |
| Common illnesses | |||
| Urinary Tract Disease (non-blocked) | NZ$230–NZ$685 | none yet | covered |
| Kidney Disease, first year | NZ$460–NZ$1,830 | none yet | covered |
| Hyperthyroidism, medication per year | NZ$305–NZ$685 | none yet | covered |
| Ear Infection | NZ$115–NZ$305 | none yet | covered |
| Urinary Infection | NZ$155–NZ$380 | none yet | covered |
| Skin Allergy Work-up | NZ$190–NZ$610 | none yet | covered |
| Vomiting & Diarrhea Work-up | NZ$190–NZ$685 | none yet | covered |
| Diabetes, first year | NZ$915–NZ$2,290 | none yet | covered |
| Surgery | |||
| Spay (female) | NZ$135–NZ$345 | none yet | routine |
| Neuter (male) | NZ$115–NZ$265 | none yet | routine |
| Dental Extractions | NZ$265–NZ$915 | none yet | covered |
| Lump Removal & Biopsy | NZ$380–NZ$1,145 | none yet | covered |
| Emergency & major | |||
| Urinary Blockage (male cat) | NZ$685–NZ$3,125 | none yet | covered |
| Hyperthyroidism, radioiodine (I-131) | NZ$1,220–NZ$2,670 | none yet | covered |
| Foreign Body Surgery | NZ$1,525–NZ$3,815 | none yet | covered |
| Fracture Repair | NZ$1,375–NZ$3,815 | none yet | covered |
| Cancer Treatment | NZ$2,290–NZ$7,625 | none yet | covered |
Estimated annual routine care. Palmerston North highlighted.
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For a young cat, plans in Palmerston North run about NZ$34–NZ$70 a month. One surgery on the table above would repay years of premiums.
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A standard exam runs NZ$57–NZ$115. Emergency exams start around NZ$115.
Palmerston North sits at 0.93× the New Zealand average, at or below most cities in our index.
At local prices a single ACL surgery can reach NZ$3,125. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.