Typical 2026 prices for 24 procedures, from the annual check-up to emergency surgery, in GBP. Crowd-checked with real owner bills.
Cardiff price index 0.92×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 | £40–£80 | none yet | routine |
| Emergency Exam (after hours) | £80–£185 | none yet | covered |
| Puppy Vaccine Series | £135–£240 | none yet | routine |
| Annual Booster Vaccines | £48–£105 | none yet | routine |
| Spay (female) | £265–£585 | none yet | routine |
| Neuter (male) | £215–£425 | none yet | routine |
| Dental Cleaning (under anaesthesia) | £345–£695 | none yet | covered |
| Euthanasia + Cremation | £135–£375 | none yet | covered |
| Microchip | £27–£48 | none yet | routine |
| Common illnesses | |||
| Dental Cleaning with Extractions | £800–£1,870 | none yet | covered |
| Bloodwork Panel (CBC + chemistry) | £80–£185 | none yet | covered |
| X-rays (2 views) | £105–£265 | none yet | covered |
| Abdominal Ultrasound | £215–£425 | none yet | covered |
| Ear Infection Treatment | £80–£185 | none yet | covered |
| Urinary Tract Infection | £105–£240 | none yet | covered |
| Skin Allergy Workup | £160–£480 | none yet | covered |
| Vomiting / Diarrhea Visit | £105–£375 | none yet | covered |
| Surgery | |||
| Foreign Body Surgery (swallowed object) | £1,335–£3,200 | none yet | covered |
| ACL / Cruciate Repair (TPLO) | £2,400–£4,270 | none yet | covered |
| Bloat (GDV) Emergency Surgery | £2,670–£5,335 | none yet | covered |
| Lump / Mass Removal | £320–£1,065 | none yet | covered |
| Fracture Repair | £1,600–£3,735 | none yet | covered |
| Emergency & major | |||
| Cancer Treatment (chemo course) | £2,670–£8,005 | none yet | covered |
| Diabetes (first year) | £1,065–£2,135 | none yet | covered |
Estimated annual routine care. Cardiff highlighted.
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For a young dog, plans in Cardiff run about £24–£51 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 £40–£80. Emergency exams start around £80.
Cardiff sits at 0.92× the United Kingdom average, at or below most cities in our index.
At local prices a single ACL surgery can reach £4,270. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.