Typical 2026 prices for 24 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 (after hours) | NZ$135–NZ$310 | none yet | covered |
| Puppy Vaccine Series | NZ$220–NZ$400 | none yet | routine |
| Annual Booster Vaccines | NZ$80–NZ$175 | none yet | routine |
| Spay (female) | NZ$445–NZ$975 | none yet | routine |
| Neuter (male) | NZ$355–NZ$710 | none yet | routine |
| Dental Cleaning (under anaesthesia) | NZ$575–NZ$1,150 | none yet | covered |
| Euthanasia + Cremation | NZ$220–NZ$620 | none yet | covered |
| Microchip | NZ$44–NZ$80 | none yet | routine |
| Common illnesses | |||
| Dental Cleaning with Extractions | NZ$1,330–NZ$3,100 | none yet | covered |
| Bloodwork Panel (CBC + chemistry) | NZ$135–NZ$310 | none yet | covered |
| X-rays (2 views) | NZ$175–NZ$445 | none yet | covered |
| Abdominal Ultrasound | NZ$355–NZ$710 | none yet | covered |
| Ear Infection Treatment | NZ$135–NZ$310 | none yet | covered |
| Urinary Tract Infection | NZ$175–NZ$400 | none yet | covered |
| Skin Allergy Workup | NZ$265–NZ$795 | none yet | covered |
| Vomiting / Diarrhea Visit | NZ$175–NZ$620 | none yet | covered |
| Surgery | |||
| Foreign Body Surgery (swallowed object) | NZ$2,215–NZ$5,315 | none yet | covered |
| ACL / Cruciate Repair (TPLO) | NZ$3,985–NZ$7,085 | none yet | covered |
| Bloat (GDV) Emergency Surgery | NZ$4,430–NZ$8,855 | none yet | covered |
| Lump / Mass Removal | NZ$530–NZ$1,770 | none yet | covered |
| Fracture Repair | NZ$2,655–NZ$6,200 | none yet | covered |
| Emergency & major | |||
| Cancer Treatment (chemo course) | NZ$4,430–NZ$13,285 | none yet | covered |
| Diabetes (first year) | NZ$1,770–NZ$3,540 | none yet | covered |
Estimated annual routine care. Wellington highlighted.
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For a young dog, 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$7,085. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.