Our Rankings of Pet Insurance Providers in New Mexico
The Best Pet Insurance in New Mexico Reviewed
Our top pick for pet insurance in New Mexico is Lemonade. The company offers comprehensive coverage at affordable rates and provides solid preventive care packages to help pet parents pay for routine wellness costs.
Compare Pet Insurance Companies in New Mexico
Every pet has different health care needs, and every pet insurance provider has different offerings. Looking at the pros and cons of multiple providers can help you find a provider that meets your pet’s coverage needs and your budget. You can use our tool below to compare your options.
How Much Does Pet Insurance Cost in New Mexico?
According to our research, the average cost of pet insurance in New Mexico is $70 a month for dogs and $32 for cats. Pet insurance companies determine premiums based on your ZIP code and pet’s age, species and breed. The extent of coverage you choose will also impact pricing.
We requested quotes from 11 pet insurance providers in New Mexico based on four sample pets, including:
- A 5-year-old male, mixed-breed dog
- A 2-year-old female golden retriever
- A 5-year-old male, mixed-breed cat
- A 2-year-old female Siamese cat
Here’s a breakdown of pet insurance costs in New Mexico by common pet insurance providers and species.
| Provider | Dog Insurance | Cat Insurance |
| Lemonade | $21 | $11 |
| Spot | $100 | $45 |
| Embrace | $100 | $51 |
| Healthy Paws | $56 | $22 |
| Fetch | $141 | $57 |
| Figo | $37 | $17 |
| Pets Best | $44 | $21 |
| Paw Protect | $101 | $52 |
| ASPCA Pet Health Insurance | $54 | $22 |
| ManyPets | $34 | $18 |
| Trupanion | $87 | $37 |
What’s the Cheapest Pet Insurance in New Mexico?
Lemonade is the cheapest pet insurance provider in New Mexico, based on the sample quotes we collected for various pets. The artificial intelligence (AI) enabled insurance provider offers basic coverage at an affordable rate, making it one of our top options.
While Lemonade is highly rated by our team, it is important to consider other factors besides price to ensure you find a policy that covers your pet’s health needs. A more expensive policy may offer more value if your pet needs more comprehensive coverage.
How To Choose the Best Pet Insurance in New Mexico
You may find it difficult to know where to start when shopping for pet insurance coverage. Here are our tips for getting adequate coverage as a pet owner in New Mexico.
Weigh the Benefits of Comprehensive Coverage
If you are seeking cheap pet insurance, you may consider purchasing an accident-only plan for your pet, especially if the animal is young and healthy. However, illnesses such as cancer, respiratory infections and gastrointestinal illness can cause serious health problems in pets that are not cheap to treat. Investing in a comprehensive accident and illness plan can help ensure your pet is covered for a wider range of health issues.
Consider New Mexico’s Wildfire Risk
New Mexico’s dry climate makes wildfires a significant risk. Having pet insurance can help cover treatments for complications caused by wildfires, such as respiratory issues. Some providers also offer coverage for temporary housing if you and your pet get displaced by wildfires.
Look for a Customizable Pet Insurance Policy
Most providers allow you to customize your pet’s policy to find a premium that fits your budget. Customization options can include a maximum annual limit, deductible and reimbursement rate. In general, a higher maximum annual limit and reimbursement rate correlates with a higher premium price, while a higher deductible results in a lower premium price.
Consider Your Pet’s Risk of Rattlesnake Bite
New Mexico is home to seven species of venomous rattlesnakes, and if bitten, your pet will need prompt veterinary care to stop the venom’s toxic effects. Pet insurance typically covers rattlesnake bites, and having coverage means you won’t have to worry if you can afford your pet’s treatment in an emergency. Generally, pet insurance accident and illness policies will cover diagnosis, hospitalization and treatment.
Determine a Policy’s Waiting Periods
All pet insurance providers impose waiting periods, which is a delay in coverage starting when you purchase a policy. Some providers have waiting periods as short as two days for accidents, whereas 14- to 15-day waiting periods are common for illnesses. Some providers also require a six- to 12-month waiting period for orthopedic conditions. Before choosing a pet insurance provider, find out what waiting periods the company requires.
Note that if your pet experiences an accident or illness during a waiting period, the company will consider it a pre-existing condition and not extend coverage.
Pet Laws in New Mexico
Pet laws can help ensure pets, humans and remain safe and healthy. New Mexico state law requires that dogs and cats over 3 months old get vaccinated against rabies. Cities also enforce pet laws, including the following examples our team found by researching local regulations.
Albuquerque Pet Laws
- Stray animals found with appropriate identification, such as a microchip, license or tattoo, must be confined at the animal services center for at least seven days. Pets found without identification are kept for only four days.
- Owners of adopted pets must spay or neuter the animal.
- Pets are not allowed on playgrounds, school yards, swimming pool premises or the Civic Plaza. This law does not apply to service animals.
Las Cruces Pet Laws
- Pet owners must microchip their pets and keep their contact information updated in the registration database.
- People cannot tether dogs to a stationary object for more than two hours within a 12-hour period.
- Pets under 8 weeks old cannot be sold or adopted.
- Owners of intact female dogs must confine the animal while in heat.
- Dog owners have seven days to resolve the problem if a neighbor complains about barking.
Rio Rancho Pet Laws
- Owners must spay or neuter all pets unless they obtain an intact animal permit.
- Chaining pets is not allowed in the city.
- Each household is limited to five pets.
- A pet must be on an eight-foot-or-shorter leash when not on its owner’s property.
- An owner can surrender their pet for a $30 fee.
Is Pet Insurance Worth It in New Mexico?
Pet insurance is often worthwhile for New Mexico pet owners seeking peace of mind that they can afford to care for a sick or injured pet. We recommend Lemonade and Spot for pet owners in the state, but any of the providers on our list may work for your budget and your four-legged friend’s needs.
Frequently Asked Questions About Pet Insurance in New Mexico
Can New Mexico’s hot, dry climate impact pets and related insurance claims?
In the summer, New Mexico temperatures can exceed 100 degrees, putting your pet at risk of heat stroke, a potentially fatal condition. Pet insurance can help offset the cost if your pet requires emergency treatment after experiencing heat stroke or other heat-related conditions.
Do pet insurance plans in New Mexico cover cactus quill removal?
Yes, pet insurance plans in New Mexico generally cover cactus quill removal as an accident. This procedure can range in cost from several hundred to more than a thousand dollars, according to our research. Having a pet insurance policy helps ensure your four-legged friend can have the painful quills removed by a trained professional to prevent damage.
What percentage of veterinary costs does pet insurance reimburse in New Mexico?
Pet insurance typically works by reimbursing you after you’ve paid for a veterinary service. Most providers allow you to choose your reimbursement rate, typically between 70% and 90%. The higher the reimbursement rate, the higher your premium. You must first hit your annual deductible before you receive reimbursements.
Are prescription medications covered by pet insurance in New Mexico?
Prescription medications are typically covered for certain injuries and illnesses, but some providers require an additional monthly fee for this coverage. Check the details of your pet’s policy to find out if prescription medication coverage is included.
How We Ranked the Best Pet Insurance Providers in New Mexico
To determine the best pet insurance providers in New Mexico, we performed extensive research and considered factors such as cost, coverage options, customization ability and customer reviews. We also considered results from our 2023 survey of 1,000 pet insurance policyholders nationwide to determine what’s most important to New Mexico pet parents. In addition, we considered the climate in New Mexico, local veterinary costs and common pet-related conditions.
To inform our cost data, we requested quotes for four sample pets from each provider on our list. Our sample pets included a 5-year-old mixed-breed dog, a 2-year-old golden retriever, a 5-year-old mixed-breed cat, and a 2-year-old Siamese cat. We averaged these quotes to find the average cost of a pet insurance policy from each provider in the state.
To learn more about our process, read our pet insurance methodology and editorial guidelines.
