Typical 2026 prices for 27 procedures, from the annual check-up to emergency surgery, in NZD. Crowd-checked with real owner bills.
Wellington price index 1.08×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$65–NZ$135 | none yet | routine |
| Emergency Exam | NZ$135–NZ$265 | none yet | routine |
| Kitten Vaccine Series | NZ$135–NZ$265 | none yet | routine |
| Annual Vaccines & Wellness | NZ$90–NZ$160 | none yet | routine |
| Dental Cleaning | NZ$355–NZ$840 | none yet | routine |
| Bloodwork Panel | NZ$95–NZ$265 | none yet | covered |
| X-rays | NZ$135–NZ$355 | none yet | covered |
| Ultrasound | NZ$310–NZ$620 | none yet | covered |
| Euthanasia & Aftercare | NZ$135–NZ$400 | none yet | routine |
| Microchip | NZ$44–NZ$90 | none yet | routine |
| Common illnesses | |||
| Urinary Tract Disease (non-blocked) | NZ$265–NZ$795 | none yet | covered |
| Kidney Disease, first year | NZ$530–NZ$2,125 | none yet | covered |
| Hyperthyroidism, medication per year | NZ$355–NZ$795 | none yet | covered |
| Ear Infection | NZ$135–NZ$355 | none yet | covered |
| Urinary Infection | NZ$175–NZ$445 | none yet | covered |
| Skin Allergy Work-up | NZ$220–NZ$710 | none yet | covered |
| Vomiting & Diarrhea Work-up | NZ$220–NZ$795 | none yet | covered |
| Diabetes, first year | NZ$1,065–NZ$2,655 | none yet | covered |
| Surgery | |||
| Spay (female) | NZ$155–NZ$400 | none yet | routine |
| Neuter (male) | NZ$135–NZ$310 | none yet | routine |
| Dental Extractions | NZ$310–NZ$1,065 | none yet | covered |
| Lump Removal & Biopsy | NZ$445–NZ$1,330 | none yet | covered |
| Emergency & major | |||
| Urinary Blockage (male cat) | NZ$795–NZ$3,630 | none yet | covered |
| Hyperthyroidism, radioiodine (I-131) | NZ$1,415–NZ$3,100 | none yet | covered |
| Foreign Body Surgery | NZ$1,770–NZ$4,430 | none yet | covered |
| Fracture Repair | NZ$1,595–NZ$4,430 | none yet | covered |
| Cancer Treatment | NZ$2,655–NZ$8,855 | none yet | covered |
Estimated annual routine care. Wellington highlighted.
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For a young cat, plans in Wellington run about NZ$40–NZ$85 a month. One surgery on the table above would repay years of premiums.
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A standard exam runs NZ$65–NZ$135. Emergency exams start around NZ$135.
Wellington sits at 1.08× the New Zealand average, above most cities in our index.
At local prices a single ACL surgery can reach NZ$3,630. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.