Typical 2026 prices for 17 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 | |||
| Exotic Wellness Exam | NZ$85–NZ$165 | none yet | routine |
| Emergency Exam | NZ$160–NZ$320 | none yet | routine |
| Bloodwork Panel | NZ$140–NZ$320 | none yet | covered |
| X-rays | NZ$160–NZ$415 | none yet | covered |
| Euthanasia & Aftercare | NZ$110–NZ$320 | none yet | routine |
| Nail & Incisor Trim (awake) | NZ$37–NZ$85 | none yet | routine |
| Microchip | NZ$55–NZ$110 | none yet | routine |
| Common illnesses | |||
| Respiratory Infection | NZ$185–NZ$550 | none yet | covered |
| Mites & Parasites | NZ$110–NZ$320 | none yet | covered |
| Vitamin C Deficiency (guinea pigs) | NZ$140–NZ$365 | none yet | covered |
| Surgery | |||
| Rabbit Spay (female) | NZ$275–NZ$645 | none yet | routine |
| Rabbit or Ferret Neuter (male) | NZ$160–NZ$430 | none yet | routine |
| Dental Burr or Trim (under anaesthesia) | NZ$430–NZ$870 | none yet | covered |
| Abscess Surgery | NZ$550–NZ$1,655 | none yet | covered |
| Emergency & major | |||
| GI Stasis | NZ$320–NZ$2,205 | none yet | covered |
| Uterine Tumour Surgery | NZ$825–NZ$2,295 | none yet | covered |
| Bladder Stones | NZ$825–NZ$2,020 | none yet | covered |
Estimated annual routine care. Auckland highlighted.
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For a young small pet, 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$85–NZ$165. Emergency exams start around NZ$160.
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$2,205. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.