Typical 2026 prices for 27 procedures, from the annual check-up to emergency surgery, in NZD. Crowd-checked with real owner bills.
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$60–NZ$125 | none yet | routine |
| Emergency Exam | NZ$125–NZ$245 | none yet | routine |
| Kitten Vaccine Series | NZ$125–NZ$245 | none yet | routine |
| Annual Vaccines & Wellness | NZ$80–NZ$150 | none yet | routine |
| Dental Cleaning | NZ$330–NZ$780 | none yet | routine |
| Bloodwork Panel | NZ$90–NZ$245 | none yet | covered |
| X-rays | NZ$125–NZ$330 | none yet | covered |
| Ultrasound | NZ$285–NZ$575 | none yet | covered |
| Euthanasia & Aftercare | NZ$125–NZ$370 | none yet | routine |
| Microchip | NZ$41–NZ$80 | none yet | routine |
| Common illnesses | |||
| Urinary Tract Disease (non-blocked) | NZ$245–NZ$740 | none yet | covered |
| Kidney Disease, first year | NZ$490–NZ$1,970 | none yet | covered |
| Hyperthyroidism, medication per year | NZ$330–NZ$740 | none yet | covered |
| Ear Infection | NZ$125–NZ$330 | none yet | covered |
| Urinary Infection | NZ$165–NZ$410 | none yet | covered |
| Skin Allergy Work-up | NZ$205–NZ$655 | none yet | covered |
| Vomiting & Diarrhea Work-up | NZ$205–NZ$740 | none yet | covered |
| Diabetes, first year | NZ$985–NZ$2,460 | none yet | covered |
| Surgery | |||
| Spay (female) | NZ$145–NZ$370 | none yet | routine |
| Neuter (male) | NZ$125–NZ$285 | none yet | routine |
| Dental Extractions | NZ$285–NZ$985 | none yet | covered |
| Lump Removal & Biopsy | NZ$410–NZ$1,230 | none yet | covered |
| Emergency & major | |||
| Urinary Blockage (male cat) | NZ$740–NZ$3,360 | none yet | covered |
| Hyperthyroidism, radioiodine (I-131) | NZ$1,310–NZ$2,870 | none yet | covered |
| Foreign Body Surgery | NZ$1,640–NZ$4,100 | none yet | covered |
| Fracture Repair | NZ$1,475–NZ$4,100 | none yet | covered |
| Cancer Treatment | NZ$2,460–NZ$8,200 | none yet | covered |
Estimated annual routine care. Tauranga highlighted.
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For a young cat, plans in Tauranga run about NZ$37–NZ$80 a month. One surgery on the table above would repay years of premiums.
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A standard exam runs NZ$60–NZ$125. Emergency exams start around NZ$125.
Tauranga sits at 1.00× the New Zealand average, at or below most cities in our index.
At local prices a single ACL surgery can reach NZ$3,360. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.