I live in London and Goddards Vet Group have the monopoly with various surgeries in the area. The consultation fee is about £50, then about £30 for antibiotics, £120 x-ray, and about £100 for a biopsy analysis, but most things are done on the one day in the case of a lump, or if there was a follow up appointment, then the "follow up" consultation fee would be about £25 a time. We have Pet Insurance with a £70 excess, so for an ordinary visit for. say bad diarhea we would get antibiotics and the bill would be about £80 which we do not claim for as we would only get £10 back and don't want the insurance company to make this an "on going" condition. Our previous dog had lumps removed under anesthetic and the bill was about £300 in all but that was 6 years ago, so would be more now, and when he was hospitalised over the Christmas period for two days the cost was £860 with no "time to pay" which our vet would have allowed. So in my mind, the best thing is to get Pet Insurance, as lumps very often reoccur and can become cancerous.