Typical 2026 prices for 24 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 (after hours) | $170–$400 | none yet | covered |
| Puppy Vaccine Series | $285–$515 | none yet | routine |
| Annual Booster Vaccines | $105–$230 | none yet | routine |
| Spay (female) | $575–$1,260 | none yet | routine |
| Neuter (male) | $460–$920 | none yet | routine |
| Dental Cleaning (under anaesthesia) | $745–$1,490 | none yet | covered |
| Euthanasia + Cremation | $285–$805 | none yet | covered |
| Microchip | $57–$105 | none yet | routine |
| Common illnesses | |||
| Dental Cleaning with Extractions | $1,720–$4,015 | none yet | covered |
| Bloodwork Panel (CBC + chemistry) | $170–$400 | none yet | covered |
| X-rays (2 views) | $230–$575 | none yet | covered |
| Abdominal Ultrasound | $460–$920 | none yet | covered |
| Ear Infection Treatment | $170–$400 | none yet | covered |
| Urinary Tract Infection | $230–$515 | none yet | covered |
| Skin Allergy Workup | $345–$1,035 | none yet | covered |
| Vomiting / Diarrhea Visit | $230–$805 | none yet | covered |
| Surgery | |||
| Foreign Body Surgery (swallowed object) | $2,870–$6,885 | none yet | covered |
| ACL / Cruciate Repair (TPLO) | $5,165–$9,180 | none yet | covered |
| Bloat (GDV) Emergency Surgery | $5,740–$11,475 | none yet | covered |
| Lump / Mass Removal | $690–$2,295 | none yet | covered |
| Fracture Repair | $3,440–$8,035 | none yet | covered |
| Emergency & major | |||
| Cancer Treatment (chemo course) | $5,740–$17,210 | none yet | covered |
| Diabetes (first year) | $2,295–$4,590 | none yet | covered |
Estimated annual routine care. New York highlighted.
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For a young dog, 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 $9,180. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.