Diagnosis, insulin, syringes, glucose curves and rechecks for the first year.
Typical plans reimburse 80–90% after the deductible, for about $40–$85/month for a young dog.
| City | Typical range | Index |
|---|---|---|
| San Francisco CA | $2,380–$4,760 | |
| New York NY | $2,295–$4,590 | |
| San Jose CA | $2,210–$4,420 | |
| Los Angeles CA | $2,125–$4,250 | |
| Boston MA | $2,125–$4,250 | |
| Washington, DC DC | $2,125–$4,250 | |
| San Diego CA | $2,040–$4,080 | |
| Seattle WA | $2,040–$4,080 | |
| Chicago IL | $1,870–$3,740 | |
| Miami FL | $1,870–$3,740 | |
| Portland OR | $1,870–$3,740 | |
| Denver CO | $1,835–$3,670 | |
| Philadelphia PA | $1,785–$3,570 | |
| Austin TX | $1,735–$3,470 | |
| Minneapolis MN | $1,735–$3,470 | |
| Atlanta GA | $1,700–$3,400 | |
| Las Vegas NV | $1,665–$3,330 | |
| Dallas TX | $1,650–$3,300 | |
| Houston TX | $1,615–$3,230 | |
| Phoenix AZ | $1,615–$3,230 | |
| Nashville TN | $1,615–$3,230 | |
| Charlotte NC | $1,580–$3,160 | |
| Detroit MI | $1,530–$3,060 | |
| Columbus OH | $1,530–$3,060 | |
| San Antonio TX | $1,495–$2,990 |
Nationally $1,700–$3,400 in 2026. San Francisco is the most expensive city we track; San Antonio the least.
Rent, staff wages, equipment and competition. Big-city specialty hospitals can charge double what a rural clinic does for the same procedure.
Yes, on most accident-and-illness plans after the deductible.
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