Typical 2026 prices for 24 procedures, from the annual check-up to emergency surgery, in GBP. Crowd-checked with real owner bills.
Cambridge price index 1.15×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 | £50–£100 | none yet | routine |
| Emergency Exam (after hours) | £100–£235 | none yet | covered |
| Puppy Vaccine Series | £165–£300 | none yet | routine |
| Annual Booster Vaccines | £60–£135 | none yet | routine |
| Spay (female) | £335–£735 | none yet | routine |
| Neuter (male) | £265–£535 | none yet | routine |
| Dental Cleaning (under anaesthesia) | £435–£865 | none yet | covered |
| Euthanasia + Cremation | £165–£465 | none yet | covered |
| Microchip | £33–£60 | none yet | routine |
| Common illnesses | |||
| Dental Cleaning with Extractions | £1,000–£2,335 | none yet | covered |
| Bloodwork Panel (CBC + chemistry) | £100–£235 | none yet | covered |
| X-rays (2 views) | £135–£335 | none yet | covered |
| Abdominal Ultrasound | £265–£535 | none yet | covered |
| Ear Infection Treatment | £100–£235 | none yet | covered |
| Urinary Tract Infection | £135–£300 | none yet | covered |
| Skin Allergy Workup | £200–£600 | none yet | covered |
| Vomiting / Diarrhea Visit | £135–£465 | none yet | covered |
| Surgery | |||
| Foreign Body Surgery (swallowed object) | £1,665–£4,000 | none yet | covered |
| ACL / Cruciate Repair (TPLO) | £3,000–£5,335 | none yet | covered |
| Bloat (GDV) Emergency Surgery | £3,335–£6,670 | none yet | covered |
| Lump / Mass Removal | £400–£1,335 | none yet | covered |
| Fracture Repair | £2,000–£4,670 | none yet | covered |
| Emergency & major | |||
| Cancer Treatment (chemo course) | £3,335–£10,005 | none yet | covered |
| Diabetes (first year) | £1,335–£2,670 | none yet | covered |
Estimated annual routine care. Cambridge highlighted.
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For a young dog, plans in Cambridge run about £30–£65 a month. One surgery on the table above would repay years of premiums.
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.
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 £50–£100. Emergency exams start around £100.
Cambridge sits at 1.15× the United Kingdom average, above most cities in our index.
At local prices a single ACL surgery can reach £5,335. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.