Typical 2026 prices for 27 procedures, from the annual check-up to emergency surgery, in USD. Crowd-checked with real owner bills.
San Francisco price index 1.40×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 | $90–$180 | none yet | routine |
| Emergency Exam | $180–$355 | none yet | routine |
| Kitten Vaccine Series | $180–$355 | none yet | routine |
| Annual Vaccines & Wellness | $120–$215 | none yet | routine |
| Dental Cleaning | $475–$1,130 | none yet | routine |
| Bloodwork Panel | $130–$355 | none yet | covered |
| X-rays | $180–$475 | none yet | covered |
| Ultrasound | $415–$835 | none yet | covered |
| Euthanasia & Aftercare | $180–$535 | none yet | routine |
| Microchip | $59–$120 | none yet | routine |
| Common illnesses | |||
| Urinary Tract Disease (non-blocked) | $355–$1,070 | none yet | covered |
| Kidney Disease, first year | $715–$2,855 | none yet | covered |
| Hyperthyroidism, medication per year | $475–$1,070 | none yet | covered |
| Ear Infection | $180–$475 | none yet | covered |
| Urinary Infection | $240–$595 | none yet | covered |
| Skin Allergy Work-up | $300–$950 | none yet | covered |
| Vomiting & Diarrhea Work-up | $300–$1,070 | none yet | covered |
| Diabetes, first year | $1,430–$3,570 | none yet | covered |
| Surgery | |||
| Spay (female) | $210–$535 | none yet | routine |
| Neuter (male) | $180–$415 | none yet | routine |
| Dental Extractions | $415–$1,430 | none yet | covered |
| Lump Removal & Biopsy | $595–$1,785 | none yet | covered |
| Emergency & major | |||
| Urinary Blockage (male cat) | $1,070–$4,880 | none yet | covered |
| Hyperthyroidism, radioiodine (I-131) | $1,905–$4,165 | none yet | covered |
| Foreign Body Surgery | $2,380–$5,950 | none yet | covered |
| Fracture Repair | $2,140–$5,950 | none yet | covered |
| Cancer Treatment | $3,570–$11,900 | none yet | covered |
Estimated annual routine care. San Francisco highlighted.
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For a young cat, plans in San Francisco run about $54–$115 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 $90–$180. Emergency exams start around $180.
San Francisco sits at 1.40× the United States average, above most cities in our index.
At local prices a single ACL surgery can reach $4,880. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.