Tibial plateau levelling osteotomy for a torn cruciate ligament, the most common orthopedic surgery in dogs.
Typical plans reimburse 80–90% after the deductible, for about £22–£47/month for a young dog.
The published market average is £389 a year (about £32 a month) across every pet, age and cover level. Published market average, not a quote — source: Association of British Insurers (ABI), 2025-05, covering 2024 calendar year, all ABI member pet policies, all ages and cover levels.
Mid-point of the typical range. Belfast highlighted.
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Lifetime cover up to £15,000 a year, no co-payments for older dogs on core plans.
Get a quote →The UK's biggest pet insurer; Covered For Life plans renew cover for ongoing conditions every year.
Get a quote →Lifetime policies with high vet-fee limits and free 5-week puppy cover through breeders.
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Most Belfast clinics charge between £2,220 and £3,945 in 2026. Specialty and emergency hospitals sit at the top of that range; neighbourhood clinics sit lower.
Vet prices track rent, wages and clinic competition. Belfast runs about 15% below the national average across our index.
Yes, for most accident-and-illness plans, subject to your deductible, waiting periods and any pre-existing-condition exclusion.
Dog size and weight (medication and anaesthesia scale with weight), whether bloodwork or imaging is needed first, after-hours timing, and whether a specialist is involved.
Ask for an itemised estimate, compare two clinics, check veterinary-college teaching hospitals, ask about payment plans, and use insurance if the dog was covered before symptoms started.