How much does pet surgery cost?

Some pet surgery costs can exceed $20,000, but they don’t need to if you plan ahead and find the right pet insurance.

Common pet surgery costsLearn more
Get covered for your pet's surgeryCompare pet insurance

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Want cover for surgery? Pet insurance has your back

There are many reasons a pet might need surgery. Procedures can range from basic ones, such as neutering, to more complex and expensive ones, such as foreign object removal, cancer surgery and more. The costs of these can vary widely depending on the animal, the vet and the situation. For example, if your dog needs surgery to remove a swallowed object, the cost might range from a few hundred dollars to a staggering $20,000+. This is where pet insurance can save you lots.

Name Product Accidental Injury Illness Maximum Yearly Benefit Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Medibank Ultimate Pet Care
$15,000
$1,200
$15,000
80%
80%
Want a $100 PETstock e-voucher? Plus, health members save 10% every year. Sign up using promo code PET100. Ends 19 Oct 2021. T&Cs apply. Visit our website to find out more.
Budget Direct Pet Insurance
$12,000
$1,500
$12,000
80%
80%
Get 15% off on your first year’s premium when you buy online.
PD Deluxe Plan
$15,000
$2,300
$15,000
100%
100%
⭐Finder Exclusive: Apply online and get your first 2 months free. Offer ends 30 November 2021. T&Cs apply.
Knose Pet Insurance
$25,000
$25,000
$25,000
70%, 80% or 90%
70%, 80% or 90%
⭐Finder Exclusive: Get 10% off your first year's premium. Lower prices for lower risk pets. T&C's apply.
PIA Major Medical Cover
$15,145
$1,200
$15,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Vets Choice Elite Cover
$15,000
$2,500
$15,000
80% or 100%
80% or 100%
Get a 5% discount when you insure more than one pet.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
$25,000
$1,500
$25,000
100%
100%
Enjoy 2 months free and personalised pet tag with promo code: PETSYPET. Petsy members enjoy free personalised gifts, exclusive pet discounts and perks for humans.
Kogan Pet Luxury Cover
$15,000
$2,000
$15,000
80% or 65%
80% or 65%
Sign up and get $75 Kogan.com Credit. T&Cs apply.
Coles Premium Cover
$15,000
$2,500
$15,000
80% or 100%
80% or 100%
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PetSecure Accident and Illness Cover
$12,000
$500
$12,000
75% or 85%
75% or 85%
Your pet is covered for life.
RSPCA Ultimate Plus Accident and Illness Cover
$20,000
Up to $20,000 annual limit
$20,000
80%
80%
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
loading

Compare up to 4 providers

Cost of common pet surgeries

These figures are sourced from Petsure insurance claims data between June 2018 and July 2019. It's a tricky area to confirm figures for, given how much costs can vary. This was the latest data we could find as of August 2021.

Average claim amount, 2019FYHighest claim amount
Cancer$3,503$34,183
Gastro intestinal$1,319$21,633
Snake bite$2,133$20,147
Pneumonia$1,610$7,316
Arthritis$688$12,460
Diabetes$1,952$16,712
Ear infection$883$14,271
Tick paralysis$1,156$5,293
Multiple fractures$2,066$13,902
Cataracts$1,755$14,916
Dermatitis$832$24,354
Urinary Tract Infection$814$12,223

Common treatments covered

We researched 11 providers to help you easily compare providers that offer the following common pet treatments: cancer, gastro intestinal, tick paralysis, fractures and cataracts. For a full list of treatments, click Get Quote to head to the provider's site and check the PDS.

Name Product Cancer Gastro intestinal Tick paralysis Fractures Cataracts
Medibank Ultimate Pet Care
Want a $100 PETstock e-voucher? Plus, health members save 10% every year. Sign up using promo code PET100. Ends 19 Oct 2021. T&Cs apply. Visit our website to find out more.
Budget Direct Pet Insurance
Get 15% off on your first year’s premium when you buy online.
PD Deluxe Plan
⭐Finder Exclusive: Apply online and get your first 2 months free. Offer ends 30 November 2021. T&Cs apply.
Knose Pet Insurance
⭐Finder Exclusive: Get 10% off your first year's premium. Lower prices for lower risk pets. T&C's apply.
PIA Major Medical Cover
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Vets Choice Elite Cover
Get a 5% discount when you insure more than one pet.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
Enjoy 2 months free and personalised pet tag with promo code: PETSYPET. Petsy members enjoy free personalised gifts, exclusive pet discounts and perks for humans.
Kogan Pet Luxury Cover
Sign up and get $75 Kogan.com Credit. T&Cs apply.
Coles Premium Cover
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PetSecure Accident and Illness Cover
Your pet is covered for life.
RSPCA Ultimate Plus Accident and Illness Cover
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
loading

Compare up to 4 providers

What factors affect the cost of pet surgery?

Pet surgery costs vary depending on the clinic you go to, the breed of your pet and the type of injury that's occurred. As a result, it's not possible to give you an exact price, but we help you work out whether you're likely to pay less or more, depending on the following:

🌡️ The nature of the condition. The same operation might be done in under an hour or might take several hours depending on the situation. Similarly, it might require more specialised equipment or a different type of anaesthesia. All of these can significantly affect the cost.

🏥 The veterinary practice. Veterinarians are generally free to charge what they want, so prices can vary based on where you live and the vet you go to.

🐶🐱 Whether you have a dog or a cat. Dogs are typically more expensive than cats.

🧬 The breed of your pet. Different breeds can medically be very different. For example, different breeds of dog will need different kinds of anaesthesia before surgery, some of which are more expensive than others.

⚖️ How large your pet is. Surgery is generally more expensive for bigger pets, although it can vary depending on the condition being treated.

Can pet insurance lower pet surgery costs?

✅ Yes. Pet insurance usually reimburses a portion of vet bills – most commonly around 80%, up to a specified annual limit.

So for example, say a vet charges $2,000 for cruciate ligament surgery. A pet insurance policy with an 80% reimbursement rate will pay you $1,600, leaving you with $400 left to pay. If you want to avoid out-of-pocket expenses, there are a few policies that cover 100% of surgery costs (provided the costs don't exceed the annual limit), such as Vets Choice Elite Cover, Petsy Dog Accidental Injury and Illness Cover (Vet Select) and Pet Insurance from Coles.

In most cases, you'll find that they also have an annual limit for specific treatments. This can be as high as $25,000 or as low as $2,000, so how much you pay for pet surgery can differ greatly depending on the policy you pick.

Compare annual limits and reimbursement rates

Does it matter which vet I go to?

Getting value for your money from pet insurance is dependent on the types of claims you think you’ll be making. If you have a comprehensive policy, more expensive claims can give you more value for your money.

There are no set general service fees for veterinarians, so you might get very different prices from different vets.

We've researched the most commonly required pet surgeries and how much they generally cost to help you work out whether pet insurance is worth it.

As such, it’s worth considering the typical costs of different procedures, so you can think about pet insurance cover in real dollars.

Why are vet bills so expensive?

Surgery is complicated and involves a lot of steps before, during and after the process. All of these are part of the cost along with the equipment and expertise that’s being used. Depending on the procedure, your vet bill may include the following costs:

  • Diagnosis and examinations
  • Preoperative tests
  • Anaesthesia
  • Theatre fees
  • Surgical fees
  • Disposable surgical items
  • Pharmaceuticals
  • Prosthetic items
  • Follow-up checks
  • Follow-up drug prescriptions
  • Pet kennel costs at the vet’s if your pet needs to remain overnight for health reasons

Find comprehensive pet insurance now

At Finder, we make it easy for you to find a pet insurance policy and help with the high cost of cat or dog surgery.

🔍 Use our quick comparison tool to filter through the best policy for your needs.

Some policies can cover you for as much as $25,000 a year and all include surgery. Each policy is tailored to the breed and age of your pet, so compare features first then click through for a personalised quote.


Get a better deal on pet insurance

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

6 Responses

    Default Gravatar
    LindaFebruary 7, 2020

    can you please give me an estimate for a Labrador to have a culture and susceptibility biopsy of her right hind foot

      Default Gravatar
      NikkiFebruary 7, 2020

      Hi Linda,

      Thanks for reaching out to us and I hope you are well. Sorry to hear about your Labrador’s condition. Upon checking the prices on our table above, it doesn’t show any estimated costs for a culture and susceptibility biopsy of her right hindfoot. As this is a very special case, the best way to get a quote on this is by reaching out to a vet surgeon and one that your trust can help your dog.

      Hope this helps and feel free to reach out to us again for further assistance.

      Best,
      Nikki

    Default Gravatar
    CathJanuary 17, 2019

    About how much should I expect it to cost for my French bulldog to get his soft palate shortened and nostrils larger?

      Avatarfinder Customer Care
      JeniJanuary 22, 2019Staff

      Hi Cath,

      Thank you for getting in touch with finder.

      Currently we don’t have the estimate cost of any Brachycephalic Obstructive Airway Syndrome (BOAS) related surgeries such as trimming elongated soft palate and stenotic nares correction. It is best to contact your chosen vet on cost of the said surgery.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

    Default Gravatar
    RoxyNovember 9, 2017

    Can u give me an idea as to how much an ultrasound for a small dog would cost. Checking prostate, kidneys, bladder lining.. Thankyou.

      Avatarfinder Customer Care
      JudithNovember 10, 2017Staff

      Hi Roxy,

      Thanks for contacting finder, a comparison website and general information service. I hope you are having a great day.

      Depending on the situation and the equipment, the cost could be from $50 to $500. -It could also depend on what the vet is looking for and where you go.

      Diagnostic ultrasounds can be a lot more difficult and might require a vet to collaborate with radiologists, cardiologists or other specialists.

      I hope this helps.

      Best regards,
      Judith

Go to site