Typical 2026 prices for 27 procedures, from the annual check-up to emergency surgery, in USD. Crowd-checked with real owner bills.
Phoenix 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 | $60–$120 | none yet | routine |
| Emergency Exam | $120–$240 | none yet | routine |
| Kitten Vaccine Series | $120–$240 | none yet | routine |
| Annual Vaccines & Wellness | $80–$145 | none yet | routine |
| Dental Cleaning | $325–$765 | none yet | routine |
| Bloodwork Panel | $90–$240 | none yet | covered |
| X-rays | $120–$325 | none yet | covered |
| Ultrasound | $285–$565 | none yet | covered |
| Euthanasia & Aftercare | $120–$365 | none yet | routine |
| Microchip | $40–$80 | none yet | routine |
| Common illnesses | |||
| Urinary Tract Disease (non-blocked) | $240–$725 | none yet | covered |
| Kidney Disease, first year | $485–$1,940 | none yet | covered |
| Hyperthyroidism, medication per year | $325–$725 | none yet | covered |
| Ear Infection | $120–$325 | none yet | covered |
| Urinary Infection | $160–$405 | none yet | covered |
| Skin Allergy Work-up | $200–$645 | none yet | covered |
| Vomiting & Diarrhea Work-up | $200–$725 | none yet | covered |
| Diabetes, first year | $970–$2,420 | none yet | covered |
| Surgery | |||
| Spay (female) | $140–$365 | none yet | routine |
| Neuter (male) | $120–$285 | none yet | routine |
| Dental Extractions | $285–$970 | none yet | covered |
| Lump Removal & Biopsy | $405–$1,210 | none yet | covered |
| Emergency & major | |||
| Urinary Blockage (male cat) | $725–$3,310 | none yet | covered |
| Hyperthyroidism, radioiodine (I-131) | $1,290–$2,825 | none yet | covered |
| Foreign Body Surgery | $1,615–$4,040 | none yet | covered |
| Fracture Repair | $1,455–$4,040 | none yet | covered |
| Cancer Treatment | $2,420–$8,075 | none yet | covered |
Estimated annual routine care. Phoenix highlighted.
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For a young cat, plans in Phoenix 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 $60–$120. Emergency exams start around $120.
Phoenix sits at 0.95× the United States average, at or below most cities in our index.
At local prices a single ACL surgery can reach $3,310. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.