Typical price ranges for common dog and cat procedures — with an insured-cost estimate for each.
Surgeries need anesthesia, monitoring, imaging, hospitalization, and specialist time — the same inputs as human medicine, but paid out of pocket. Orthopedic and emergency surgeries commonly run into the thousands.
An accident-and-illness plan reimburses 70–90% of a covered, non-pre-existing bill after your deductible — turning a $5,000 surgery into roughly $1,200 out of pocket on a typical 80% plan.