Typical 2026 prices for 24 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 (after hours) | $120–$275 | none yet | covered |
| Puppy Vaccine Series | $200–$355 | none yet | routine |
| Annual Booster Vaccines | $70–$160 | none yet | routine |
| Spay (female) | $395–$870 | none yet | routine |
| Neuter (male) | $315–$630 | none yet | routine |
| Dental Cleaning (under anaesthesia) | $515–$1,030 | none yet | covered |
| Euthanasia + Cremation | $200–$555 | none yet | covered |
| Microchip | $40–$70 | none yet | routine |
| Common illnesses | |||
| Dental Cleaning with Extractions | $1,185–$2,765 | none yet | covered |
| Bloodwork Panel (CBC + chemistry) | $120–$275 | none yet | covered |
| X-rays (2 views) | $160–$395 | none yet | covered |
| Abdominal Ultrasound | $315–$630 | none yet | covered |
| Ear Infection Treatment | $120–$275 | none yet | covered |
| Urinary Tract Infection | $160–$355 | none yet | covered |
| Skin Allergy Workup | $235–$710 | none yet | covered |
| Vomiting / Diarrhea Visit | $160–$555 | none yet | covered |
| Surgery | |||
| Foreign Body Surgery (swallowed object) | $1,975–$4,745 | none yet | covered |
| ACL / Cruciate Repair (TPLO) | $3,555–$6,325 | none yet | covered |
| Bloat (GDV) Emergency Surgery | $3,950–$7,905 | none yet | covered |
| Lump / Mass Removal | $475–$1,580 | none yet | covered |
| Fracture Repair | $2,370–$5,535 | none yet | covered |
| Emergency & major | |||
| Cancer Treatment (chemo course) | $3,950–$11,860 | none yet | covered |
| Diabetes (first year) | $1,580–$3,160 | none yet | covered |
Estimated annual routine care. Charlotte highlighted.
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For a young dog, 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 $6,325. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.