Typical 2026 prices for 27 procedures, from the annual check-up to emergency surgery, in USD. Crowd-checked with real owner bills.
Charlotte price index 0.93×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 | $59–$120 | none yet | routine |
| Emergency Exam | $120–$235 | none yet | routine |
| Kitten Vaccine Series | $120–$235 | none yet | routine |
| Annual Vaccines & Wellness | $80–$140 | none yet | routine |
| Dental Cleaning | $315–$750 | none yet | routine |
| Bloodwork Panel | $85–$235 | none yet | covered |
| X-rays | $120–$315 | none yet | covered |
| Ultrasound | $275–$555 | none yet | covered |
| Euthanasia & Aftercare | $120–$355 | none yet | routine |
| Microchip | $40–$80 | none yet | routine |
| Common illnesses | |||
| Urinary Tract Disease (non-blocked) | $235–$710 | none yet | covered |
| Kidney Disease, first year | $475–$1,895 | none yet | covered |
| Hyperthyroidism, medication per year | $315–$710 | none yet | covered |
| Ear Infection | $120–$315 | none yet | covered |
| Urinary Infection | $160–$395 | none yet | covered |
| Skin Allergy Work-up | $200–$630 | none yet | covered |
| Vomiting & Diarrhea Work-up | $200–$710 | none yet | covered |
| Diabetes, first year | $950–$2,370 | none yet | covered |
| Surgery | |||
| Spay (female) | $140–$355 | none yet | routine |
| Neuter (male) | $120–$275 | none yet | routine |
| Dental Extractions | $275–$950 | none yet | covered |
| Lump Removal & Biopsy | $395–$1,185 | none yet | covered |
| Emergency & major | |||
| Urinary Blockage (male cat) | $710–$3,240 | none yet | covered |
| Hyperthyroidism, radioiodine (I-131) | $1,265–$2,765 | none yet | covered |
| Foreign Body Surgery | $1,580–$3,950 | none yet | covered |
| Fracture Repair | $1,425–$3,950 | none yet | covered |
| Cancer Treatment | $2,370–$7,905 | none yet | covered |
Estimated annual routine care. Charlotte highlighted.
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For a young cat, plans in Charlotte run about $36–$75 a month. One surgery on the table above would repay years of premiums.
90% reimbursement, no payout caps, pays many US clinics directly at checkout.
Get a quote →App-first, low base premiums, optional wellness add-ons for vaccines and dental.
Get a quote →Covers exam fees and dental illness, with a diminishing deductible each claim-free year.
Get a quote →Disclosure: some links are referral links. They never change your price. We list insurers we would consider ourselves, not whoever pays most.
A standard exam runs $59–$120. Emergency exams start around $120.
Charlotte sits at 0.93× the United States average, at or below most cities in our index.
At local prices a single ACL surgery can reach $3,240. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.