Typical 2026 prices for 24 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 (after hours) | NZ$140–NZ$320 | none yet | covered |
| Puppy Vaccine Series | NZ$230–NZ$415 | none yet | routine |
| Annual Booster Vaccines | NZ$85–NZ$185 | none yet | routine |
| Spay (female) | NZ$460–NZ$1,010 | none yet | routine |
| Neuter (male) | NZ$365–NZ$735 | none yet | routine |
| Dental Cleaning (under anaesthesia) | NZ$595–NZ$1,195 | none yet | covered |
| Euthanasia + Cremation | NZ$230–NZ$645 | none yet | covered |
| Microchip | NZ$46–NZ$85 | none yet | routine |
| Common illnesses | |||
| Dental Cleaning with Extractions | NZ$1,380–NZ$3,215 | none yet | covered |
| Bloodwork Panel (CBC + chemistry) | NZ$140–NZ$320 | none yet | covered |
| X-rays (2 views) | NZ$185–NZ$460 | none yet | covered |
| Abdominal Ultrasound | NZ$365–NZ$735 | none yet | covered |
| Ear Infection Treatment | NZ$140–NZ$320 | none yet | covered |
| Urinary Tract Infection | NZ$185–NZ$415 | none yet | covered |
| Skin Allergy Workup | NZ$275–NZ$825 | none yet | covered |
| Vomiting / Diarrhea Visit | NZ$185–NZ$645 | none yet | covered |
| Surgery | |||
| Foreign Body Surgery (swallowed object) | NZ$2,295–NZ$5,510 | none yet | covered |
| ACL / Cruciate Repair (TPLO) | NZ$4,135–NZ$7,345 | none yet | covered |
| Bloat (GDV) Emergency Surgery | NZ$4,590–NZ$9,185 | none yet | covered |
| Lump / Mass Removal | NZ$550–NZ$1,835 | none yet | covered |
| Fracture Repair | NZ$2,755–NZ$6,430 | none yet | covered |
| Emergency & major | |||
| Cancer Treatment (chemo course) | NZ$4,590–NZ$13,775 | none yet | covered |
| Diabetes (first year) | NZ$1,835–NZ$3,675 | none yet | covered |
Estimated annual routine care. Auckland highlighted.
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For a young dog, 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$7,345. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.