7 Best Pet Insurance Companies in New Mexico (2022)

Pet insurance is an important purchase; it adds value to most pet owners’ wallets and provides crucial emergency coverage for their pets. Whether you live in Albuquerque, Las Cruces or another city in the Land of Enchantment, you have access to several excellent pet insurance companies in New Mexico.

We at the Home Media reviews team have dedicated hundreds of hours to researching and analyzing the top pet insurance companies based on their costs, plans and customer service. Below, we rounded up our pet insurance recommendations for New Mexico residents.



New Mexico’s 7 Top Pet Insurance Companies

Based on our thorough evaluation, these are the seven best pet insurance providers in the state of New Mexico:

Coverage: Lemonade offers one accident-and-illness plan that reimburses you for vet bills related to your pet’s covered injuries and illnesses. Covered services include emergency care, diagnostics, hospitalization and operation costs related to conditions such as broken bones, bite wounds, cancer or allergies. The policy excludes preexisting conditions, behavioral therapy, dental illness and elective or cosmetic procedures.

Lemonade also provides wellness plans for vet visits and routine care, such as heartworm tests, dental cleanings and vaccines.

We got quotes for 4-year-old, mixed-breed dogs and cats in Albuquerque, N.M., with different deductibles, coverage limits and reimbursements percentages:

  • Dogs: $14–$35 per month
  • Cats: $10–$23 per month

Get a quote: Use Lemonade’s online quote tool to get a customized price and sign up for your policy.

To learn more: Lemonade Pet Insurance Review



Coverage: Spot’s accident-only policy covers conditions such as fractures and bite wounds. The accident-and-illness plan offers between $2,500 and unlimited annual coverage for accidents and a variety of illnesses. 

Some common coverages include cancer, heart disease, behavioral issues and allergies. Spot excludes preexisting conditions, elective procedures and breeding and pregnancy costs.

The routine care plan covers wellness costs such as annual checkups and vaccines. The Gold plan costs $10 per month and provides $250 of coverage. For $25 per month, the Platinum plan extends coverage to $450 per year.

The average quotes below are for 4-year-old, mixed-breed dogs and cats in Albuquerque, N.M, based on a range of coverage limits, deductibles and reimbursement rates:

  • Dogs: $18–$135 per month
  • Cats: $9–$84 per month

Get a quote: To customize your Spot pet insurance policy, get a quote on Spot’s website.

To learn more: Spot Pet Insurance Review



Coverage: Embrace offers accident-and-illness coverage and wellness care. The accident-and-illness plan provides $5,000 to $30,000 of coverage for dental trauma, cancer and other conditions. It does not cover preexisting conditions, cosmetic or elective procedures, or breeding costs.

The Wellness Rewards plan reimburses routine care costs such as grooming, annual wellness checkups and flea prevention. Embrace reimburses up to your choice of $250, $450 or $650 of annual benefits.

Based on sample quotes we gathered for 4-year-old, mixed-breed pets in Albuquerque, N.M., using varying coverage caps, reimbursements and deductibles, costs range as follows:

  • Dogs: $12–$54 per month
  • Cats: $8–$32 per month

Get a quote: Fill out Embrace’s form for a free quote on your policy.

To learn more: Embrace Pet Insurance Review



Coverage: ASPCA Pet Health Insurance offers two coverage options and two wellness add-ons:

  • Accident-only coverage: This plan covers treatments for incidents such as broken bones or bite wounds. Both of ASPCA’s plans exclude preexisting conditions, cosmetic procedures and breeding expenses.
  • Complete coverage: This plan extends coverage to include illnesses such as eye conditions, allergies and hip dysplasia.
  • Basic wellness add-on: The Basic wellness care add-on provides $250 of annual benefits for dental cleanings, checkups, vaccines and similar routine care costs.
  • Prime wellness add-on: The Prime wellness add-on provides coverage for the same routine expenses with $450 of annual benefits.

We obtained quotes for 4-year-old, mixed-breed dogs and cats in Albuquerque, N.M., to give you an idea of the premiums you can expect from ASPCA.

  • Dogs: $27–$98 per month
  • Cats: $15–$59 per month

Get a quote: Fill out ASPCA’s online form for an instant quote on a pet policy.

To learn more: ASPCA Pet Health Insurance Review



Coverage: Healthy Paws has an accident-and-illness plan that offers limitless coverage on vet bills for your pet’s covered accidents and illnesses, such as procedures, hospital stays and rehabilitation. It doesn’t cover preexisting conditions, spaying and neutering, or preventive care. It also excludes hip dysplasia during the first 12 months of coverage.

The quotes below are for 4-year-old, mixed-breed dogs and cats in Albuquerque, N.M.:

  • Dogs: $39–$53 per month
  • Cats: $17–$25 per month

Get a quote: Fill out Healthy Paws’ easy online form to get a pet insurance quote.

To learn more: Healthy Paws Pet Insurance Review



Coverage: Figo provides three levels of accident-and-illness coverage. Each one includes medications, diagnostics and other essential treatments for covered conditions such as hip dysplasia, allergies and diabetes.

Here’s how much coverage each plan offers:

  • Essential: The Essential plan offers $5,000 of annual benefits.
  • Preferred: The Preferred plan increases this amount to $10,000. 
  • Ultimate: The Ultimate plan offers unlimited coverage. 

Embrace also allows you to add vet exam fee coverage and routine care benefits to your policy.

We secured a handful of quotes for 4-year-old, mixed-breed dogs and cats in Albuquerque, N.M, to give you an idea of coverage costs from Figo:

  • Dogs: $12–$45
  • Cats: $8–$29

Get a quote: Fill out a quick quote request for Figo.



Coverage: Prudent Pet has three pet insurance plans. The first, the Accident-only Plan, provides $10,000 of protection for accidents and injuries, such as lacerations or toxic ingestions. The Essential Plan also provides $10,000 of coverage, but it extends coverage to illnesses.

The Ultimate Plan also covers both accidents and illnesses but has no coverage caps. It also adds coverage for costs such as lost pet advertising and reward money, mortality expenses and kennel fees in the event that you are hospitalized and unable to care for your pet.

We got quotes for 4-year-old, mixed-breed dogs and cats in Albuquerque, N.M., for each of Prudent Pet’s plans:

  • Dogs: $16–$92 per month
  • Cats: $11–$51 per month

Get a quote: Get your custom quote from Prudent Pet for your dog or cat online. 

To learn more: Prudent Pet Insurance Review



Coverage: Fetch has one accident-and-illness plan that applies to operations, vet visits and other treatments for hereditary illnesses, chronic diseases, behavioral issues, cancer and more. Fetch does not cover elective procedures, preexisting conditions, breeding expenses or routine care costs, such as flea and tick prevention, checkups and blood tests. 

Fetch offers some fairly unique coverages, including boarding if you are hospitalized for four days or more, reimbursement for vacation cancellations caused by your pet’s condition, and reward and advertising money for lost pets.

We requested quotes from Fetch for 4-year-old, mixed-breed dogs and cats in Albuquerque, N.M., using different coverage limits:

  • Dogs: $18–$123 per month
  • Cats: $9–$73 per month

Get a quote: Customize your Fetch pet insurance policy by getting a quote on Fetch’s website.

To learn more: Fetch Pet Insurance Review



The Bottom Line: Which Is the Best Pet Insurance Company in New Mexico?

Based on our in-depth research, we recommend Lemonade as the top pet insurance company in New Mexico. Lemonade’s online platform is simple to use, and the provider offers a variety of affordable coverage options. However, Lemonade might not be the right choice for everyone. Before you choose an insurer, take a few minutes to compare quotes from at least three companies so you can secure the lowest rates for the coverage you need.

Compare Pet Insurance Providers in New Mexico

Check out how these pet insurance options compare:

*We obtained the sample premiums above for an accident-and-illness policy for a 4-year-old, medium-size, mixed-breed dog in Albuquerque, N.M. Because pricing may vary based on your location and your pet’s age and breed, we recommend getting quotes directly from companies for the most accurate cost information.



Types of Pet Insurance Plans

Three components affect pet insurance premiums: annual coverage limit, deductible and reimbursement level. The annual coverage limit is the amount of money your pet insurance company will pay toward claims in one calendar year; the deductible is the amount you must pay out of pocket when you file a claim before your provider starts reimbursing you; and the reimbursement rate is the percentage of each claim that your pet insurance company will pay.

Providers offer three main types of pet insurance plans:

  • Accident-only coverage: The simplest form of pet insurance covers your pet’s unexpected injuries or accidents, such as bite wounds, broken bones and cuts. It can be less expensive than an accident-and-illness plan, allowing you to protect your pet on a budget.
  • Accident-and-illness coverage: The most common type of pet insurance covers your pet’s injuries, general sickness and other health conditions, such as cancer, diabetes, hereditary conditions and allergies.
  • Wellness care add-ons: Often called preventive or routine care, these plans can be added to some policies for an extra monthly cost. Wellness plans reimburse you for routine treatments aimed at maintaining your pet’s good health, including annual checkups, vaccines, heartworm prevention and fecal tests.



How To Choose the Right Pet Insurance Provider

Take the steps below to choose the right pet insurance provider for your furry companion:

  1. Pick the right plan: Start by determining which plan is best suited to meet your budget and your pet’s needs. Keep in mind that not all providers offer accident-only or wellness care plans. ASPCA Pet Health Insurance and Spot are two ideal providers for comprehensive accident-only coverage.
  2. Consider coverage caps: Whether you’re looking for limitless annual coverage for your pet or hoping to trim costs with a lower coverage limit, compare quotes from each provider you’re considering to see what its coverage limits are. Healthy Paws, for example, offers affordable unlimited coverage.
  3. Compare customization: As you compare quotes, you may want to tweak your coverage, reimbursement rate and deductible to meet your budget and secure the right amount of coverage. Embrace could be a good fit for a high level of customization, with five available deductibles.
  4. Read the fine print: Before you lock into a policy, make sure you understand excluded conditions, the length of the company’s waiting periods, and whether or not you’re eligible for discounts and add-ons in your area. Some providers share sample contracts to help you understand how coverage works.
  5. Consider brand reputation: Another critical factor to consider is a company’s relationship with its policyholders. We’ve thoroughly evaluated the pet insurance providers on this list, poring over customer reviews and third-party ratings to vet them.



Frequently Asked Questions About Pet Insurance in New Mexico

Methodology: Our System for Ranking the Best Pet Insurance Companies

Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We have scored each provider on a 100-point scale based on those elements.

Here are more details about each factor and how they’re weighted: 

  • Monthly pricing (25 points): How much each company charges for its pet insurance plans is an important part of a customer’s decision. The best pet insurance companies combine comprehensive coverage and plan options with affordable rates.
  • Plans (15 points): The top pet insurance companies offer accident and illness plans, accident-only plans and wellness or preventive care add-ons to give customers the option to choose a plan that’s best for their pet.
  • Covered treatments (15 points): With this factor, we scored companies based on the treatments and procedures they cover. Companies with a breadth of included treatments and unique coverages received more points than providers with more standard or general policies.
  • Customization options (10 points): Customizing your policy is a valuable way to ensure you only pay for what your pet needs. Providers with more annual-limit, deductible and reimbursement-rate options earned the highest scores.
  • Customer care (10 points): We scored companies on their website accessibility and overall usability, customer service availability, mobile apps (if any), money-back guarantees and veterinarian telehealth options, awarding points to the insurers with more customer experience offerings.
  • Industry reputation (10 points): To determine each company’s industry reputation, we reviewed up-to-date ratings and accreditation information from the Better Business Bureau (BBB) and scored companies on their years of experience in the industry and their state availability.
  • Waiting periods (10 points): Companies with shorter accident, illness and orthopedic waiting periods between the sign-up and coverage start date scored higher than companies with longer waiting periods.
  • Eligible age (5 points): Some companies don’t offer policies for pets that are over a certain age. We deducted points from providers that have age limits for covered pets.

We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.