Typical 2026 prices for 24 procedures, from the annual check-up to emergency surgery, in EUR. Crowd-checked with real owner bills.
Waterford price index 0.90×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 | €42–€85 | none yet | routine |
| Emergency Exam (after hours) | €85–€195 | none yet | covered |
| Puppy Vaccine Series | €140–€250 | none yet | routine |
| Annual Booster Vaccines | €50–€110 | none yet | routine |
| Spay (female) | €280–€615 | none yet | routine |
| Neuter (male) | €225–€445 | none yet | routine |
| Dental Cleaning (under anaesthesia) | €365–€725 | none yet | covered |
| Euthanasia + Cremation | €140–€390 | none yet | covered |
| Microchip | €28–€50 | none yet | routine |
| Common illnesses | |||
| Dental Cleaning with Extractions | €835–€1,955 | none yet | covered |
| Bloodwork Panel (CBC + chemistry) | €85–€195 | none yet | covered |
| X-rays (2 views) | €110–€280 | none yet | covered |
| Abdominal Ultrasound | €225–€445 | none yet | covered |
| Ear Infection Treatment | €85–€195 | none yet | covered |
| Urinary Tract Infection | €110–€250 | none yet | covered |
| Skin Allergy Workup | €165–€500 | none yet | covered |
| Vomiting / Diarrhea Visit | €110–€390 | none yet | covered |
| Surgery | |||
| Foreign Body Surgery (swallowed object) | €1,395–€3,350 | none yet | covered |
| ACL / Cruciate Repair (TPLO) | €2,510–€4,465 | none yet | covered |
| Bloat (GDV) Emergency Surgery | €2,790–€5,580 | none yet | covered |
| Lump / Mass Removal | €335–€1,115 | none yet | covered |
| Fracture Repair | €1,675–€3,905 | none yet | covered |
| Emergency & major | |||
| Cancer Treatment (chemo course) | €2,790–€8,370 | none yet | covered |
| Diabetes (first year) | €1,115–€2,230 | none yet | covered |
Estimated annual routine care. Waterford highlighted.
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For a young dog, plans in Waterford run about €25–€53 a month. One surgery on the table above would repay years of premiums.
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A standard exam runs €42–€85. Emergency exams start around €85.
Waterford sits at 0.90× the Ireland average, at or below most cities in our index.
At local prices a single ACL surgery can reach €4,465. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.