Typical 2026 prices for 27 procedures, from the annual check-up to emergency surgery, in USD. Crowd-checked with real owner bills.
New York price index 1.35×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 | $85–$170 | none yet | routine |
| Emergency Exam | $170–$345 | none yet | routine |
| Kitten Vaccine Series | $170–$345 | none yet | routine |
| Annual Vaccines & Wellness | $115–$205 | none yet | routine |
| Dental Cleaning | $460–$1,090 | none yet | routine |
| Bloodwork Panel | $125–$345 | none yet | covered |
| X-rays | $170–$460 | none yet | covered |
| Ultrasound | $400–$805 | none yet | covered |
| Euthanasia & Aftercare | $170–$515 | none yet | routine |
| Microchip | $57–$115 | none yet | routine |
| Common illnesses | |||
| Urinary Tract Disease (non-blocked) | $345–$1,035 | none yet | covered |
| Kidney Disease, first year | $690–$2,755 | none yet | covered |
| Hyperthyroidism, medication per year | $460–$1,035 | none yet | covered |
| Ear Infection | $170–$460 | none yet | covered |
| Urinary Infection | $230–$575 | none yet | covered |
| Skin Allergy Work-up | $285–$920 | none yet | covered |
| Vomiting & Diarrhea Work-up | $285–$1,035 | none yet | covered |
| Diabetes, first year | $1,375–$3,440 | none yet | covered |
| Surgery | |||
| Spay (female) | $200–$515 | none yet | routine |
| Neuter (male) | $170–$400 | none yet | routine |
| Dental Extractions | $400–$1,375 | none yet | covered |
| Lump Removal & Biopsy | $575–$1,720 | none yet | covered |
| Emergency & major | |||
| Urinary Blockage (male cat) | $1,035–$4,705 | none yet | covered |
| Hyperthyroidism, radioiodine (I-131) | $1,835–$4,015 | none yet | covered |
| Foreign Body Surgery | $2,295–$5,740 | none yet | covered |
| Fracture Repair | $2,065–$5,740 | none yet | covered |
| Cancer Treatment | $3,440–$11,475 | none yet | covered |
Estimated annual routine care. New York highlighted.
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For a young cat, plans in New York run about $52–$110 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 $85–$170. Emergency exams start around $170.
New York sits at 1.35× the United States average, above most cities in our index.
At local prices a single ACL surgery can reach $4,705. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.