Typical 2026 prices for 24 procedures, from the annual check-up to emergency surgery, in NZD. Crowd-checked with real owner bills.
Napier price index 0.95×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$58–NZ$115 | none yet | routine |
| Emergency Exam (after hours) | NZ$115–NZ$275 | none yet | covered |
| Puppy Vaccine Series | NZ$195–NZ$350 | none yet | routine |
| Annual Booster Vaccines | NZ$70–NZ$155 | none yet | routine |
| Spay (female) | NZ$390–NZ$855 | none yet | routine |
| Neuter (male) | NZ$310–NZ$625 | none yet | routine |
| Dental Cleaning (under anaesthesia) | NZ$505–NZ$1,015 | none yet | covered |
| Euthanasia + Cremation | NZ$195–NZ$545 | none yet | covered |
| Microchip | NZ$39–NZ$70 | none yet | routine |
| Common illnesses | |||
| Dental Cleaning with Extractions | NZ$1,170–NZ$2,725 | none yet | covered |
| Bloodwork Panel (CBC + chemistry) | NZ$115–NZ$275 | none yet | covered |
| X-rays (2 views) | NZ$155–NZ$390 | none yet | covered |
| Abdominal Ultrasound | NZ$310–NZ$625 | none yet | covered |
| Ear Infection Treatment | NZ$115–NZ$275 | none yet | covered |
| Urinary Tract Infection | NZ$155–NZ$350 | none yet | covered |
| Skin Allergy Workup | NZ$235–NZ$700 | none yet | covered |
| Vomiting / Diarrhea Visit | NZ$155–NZ$545 | none yet | covered |
| Surgery | |||
| Foreign Body Surgery (swallowed object) | NZ$1,950–NZ$4,675 | none yet | covered |
| ACL / Cruciate Repair (TPLO) | NZ$3,505–NZ$6,230 | none yet | covered |
| Bloat (GDV) Emergency Surgery | NZ$3,895–NZ$7,790 | none yet | covered |
| Lump / Mass Removal | NZ$465–NZ$1,560 | none yet | covered |
| Fracture Repair | NZ$2,335–NZ$5,455 | none yet | covered |
| Emergency & major | |||
| Cancer Treatment (chemo course) | NZ$3,895–NZ$11,685 | none yet | covered |
| Diabetes (first year) | NZ$1,560–NZ$3,115 | none yet | covered |
Estimated annual routine care. Napier highlighted.
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For a young dog, plans in Napier run about NZ$35–NZ$75 a month. One surgery on the table above would repay years of premiums.
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A standard exam runs NZ$58–NZ$115. Emergency exams start around NZ$115.
Napier sits at 0.95× the New Zealand average, at or below most cities in our index.
At local prices a single ACL surgery can reach NZ$6,230. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.