Best Pet Insurance in New Mexico: Top Companies & Plans (2023 Review)

by | 11/01/2022

From the high deserts of Albuquerque to the Carlsbad Caverns, New Mexico has an array of pet-friendly outdoor pursuits to choose from. But for residents, caring for a four-legged trail partner in the Land of Enchantment is by no means cheap. 

New Mexican pet parents spend an average of $1,400 per year on standard healthcare for dogs and cats, excluding any potential emergency care costs, which could tack an additional $1,500+ onto their vet bill.

For a small monthly fee, pet insurance can reimburse up to 90% of the four-figure invoice that could be handed to you if your pet ever becomes unexpectedly injured or ill. Finding the best pet insurance will not only keep you out of debilitating pet debt, but it’ll also ensure money is no issue when it comes to your pet’s medical needs. 


Our review of the most premier pet insurance in New Mexico spotlights each of the following providers:


Best New Mexico Pet Insurance Companies & Plans

Provider Visit Site Waiting Period Money-back Guarantee Maximum Enroll Age BBB Rating
Spot Site Link 14 days Yes No upper age limit A
Lemonade Site Link 14 days for illnesses; 48 hours for accidents No 14 years old F
Embrace Site Link 14 days for illnesses; 48 hours for accidents Yes 14 years old A+
Healthy Paws Site Link 15 days Yes 14 years old A-
ASPCA Site Link 15 days Yes No upper age limit N/A

Best Pet Insurance in New Mexico Reviews

Each of the following providers highlighted in this article only offers insurance for cats and dogs (except for limited equine coverage offered by ASPCA, though not in New Mexico.) If you’re looking to insure a bird, guinea pig, reptile, amphibian, or any other nontraditional pet, take a look at our comprehensive review of exotic pet insurance providers.

Spot Pet Insurance

Spot offers two base policies. One just for basic accidents such as broken bones, cuts, lacerations, and bite wounds. The second covers those same injuries, but also chronic illnesses like congenital conditions, cancer, and diabetes. 

Though Spot’s rates start as low as $10 per month for accident-only coverage and $16 for accident/illness, pet owners in New Mexico should expect to set aside at least $30 per month for dog insurance and $18 for cat insurance.

Pros and Cons


  • No upper age limits on enrollment eligibility
  • Receive a complimentary $25 Amazon gift card at sign-up
  • Option for unlimited annual coverage benefits
  • Offers behavioral training and microchipping as standard inclusions


  • Exclusions on specific bilateral conditions may apply
  • Doesn’t cover prescription pet food

Relevant Inclusions and Exclusions

Partnered with renowned dog behaviorist Cesar Millan, Spot includes behavioral training and rehab as a fixed item across its base plan levels. Upholding a prevention-first philosophy, Spot stands by the belief that proper training can be an incredibly effective tool in preventing common pet accidents from occurring in the first place. 

For more information on this provider, take a look at our longer Spot pet insurance review.

Lemonade Pet Insurance

Though headquartered in New York, Lemonade is the first carrier in the pet category to mobilize a fully digital pet insurance experience. By consolidating its company to an online interface and using AI-powered internal processes, Lemonade offers a comprehensive accident/illness policy at some of the lowest rates you’ll find industry-wide. 

Lemonade plans technically start at just $10 per month, but adequate accident/illness coverage through Lemonade will cost New Mexico pet parents an average of $16 per month for dogs and $11 for cats. Without any add-ons, Lemonade’s standard insurance will cover its policyholders for diagnostics, specialty and emergency care, surgery, hospitalization, prescription medications, and more, as long as it’s related to a covered incident. 

And for your preventative care needs, Lemonade offers three levels of wellness plans, two for adult cats and dogs and one specifically designed for puppies and kittens.

Pros and Cons


  • Up to $100,000 in annual coverage benefits
  • Two-day waiting period for accidents
  • Lower than average monthly premiums


  • No behavioral therapy or dental illness care 
  • Doesn’t cover spay/neuter for pets over the age of two 

Relevant Inclusions and Exclusions

Lemonade doesn’t cover several standard inclusions like its competitors do, including reimbursements related to behavioral training, dental illness treatment, prescription pet food, or exam fees. Preventative care items are only available by purchasing one of the three add-on packages. Spay/neuter and microchipping coverage are only available via an add-on exclusively for pets under two. 

For a more detailed look at Lemonade’s sweet coverage options, check out our Lemonade pet insurance review

ASPCA Pet Insurance

Although marketed by the American Society for the Prevention of Cruelty to Animals, ASPCA pet insurance is produced and administered by Crum & Forster Insurance, which also services Spot, hence why the two providers have the same base plans and monthly rates.

Splitting its coverage into two base plans — accident-only and accident/illness — ASPCA offers affordable policy options for any pet owner, whether on a tight or flexible budget. ASPCA also throws in some added perks, including a 10% discount for every additional pet added per policyholder as well as microchip and exam fee coverage for both plan levels. 

Also, its most popular base plan, ASPCA’s Complete Coverage policy, reimburses members for both unexpected injuries and the whole nine yards for chronic conditions, including genetic diseases, arthritis, cancer, diabetes, hip dysplasia, and more. 

For preventative care coverage, you can choose from the Basic package of up to $250 total annual coverage for $9.95 per month or the Prime package of up to $450 total annual coverage for $24.95 per month. 

Pros and Cons


  • Covers congenital and hereditary conditions
  • 10% multi-pet discount
  • Includes microchipping and exams fees in standard coverage


  • The highest annual coverage option is only $10,000
  • $2 transaction fee

Relevant Inclusions and Exclusions

While ASPCA’s accident/illness plan does cover treatment for dental damage caused by eligible incidents, as well as routine dental care with its preventative care add-on, its overall dental coverage is far less inclusive than competing providers. 

To learn more about what ASPCA does and doesn’t cover, read our comprehensive ASPCA pet insurance review

Embrace Pet Insurance

Embrace is the ideal provider for pet owners looking for maximum savings opportunities, even while they’re not utilizing their pet insurance coverage. Embrace is the only pet insurer on the market to offer a diminishing deductible advantage, which slashes your annual deductible by $50 for every year you hold onto an Embrace policy without having to file a claim.

With Embrace, you’ll be free to choose either accident-only or accident/illness coverage with the option to add on wellness coverage via a non-insurance annual routine care stipend of either $250, $450, or $650 per policy period. 

Pet owners based in New Mexico will pay an average of $40 per month for dogs and $21 for cats via Embrace. Embrace has the second most expensive rates among the providers mentioned in this review, but keep the number of savings opportunities tucked into this provider’s policies in mind.

Pros and Cons 


  • Exclusive diminishing deductible program
  • Distinguishes between curable and incurable pre-existing conditions
  • Potential for 25% off in stackable discounts


  • Upper age limits on enrollment eligibility for pets over the age of 15
  • Fixed coverage details for accident-only base plan

Relevant Inclusions and Exclusions

Like any other pet insurance provider, Embrace doesn’t cover pre-existing conditions. Still, it offers a bit more leeway for its policyholders by agreeing to cover conditions deemed “curable” by a licensed veterinarian. 

A pre-existing condition might only be eligible for future coverage if your pet can go 12 months symptom- and treatment-free of the health issue in question. Examples of pre-existing conditions commonly considered curable include vomiting, diarrhea, general infections (ears, eyes, urinary tract, respiratory, bladder, etc.), stomach upset, and more. Chronic and persistent conditions like cancer, diabetes, or epilepsy would naturally be considered incurable pre-existing conditions. 

If you’d like to keep reading about Embrace and its coverage details, give our full Embrace pet insurance review a look. 

Healthy Paws Pet Insurance

With one stand-alone accident/illness base plan alongside automatic unlimited annual coverage for all customers, Healthy Paws offers meaty coverage without elective add-ons. Pet owners who enroll in Healthy Paws policies will be covered for most accidents, illnesses, emergency vet care, congenital and hereditary conditions, alternative therapies, and more. However, you won’t find coverage for any routine care items through this provider. 

Out of all providers mentioned in this article, Healthy Paws cashed in with the most expensive monthly premiums for accident/illness coverage, charging dog owners around $50 per month and roughly $22 for cat owners. 

Though Healthy Paws only offers standard coverage, its fixed unlimited coverage for all members is likely what drives its higher than average rates. 

Pros and Cons


  • Operates an affiliated foundation that has donated over $1.6 million to 300 nonprofit animal shelters and rescues
  • Underwritten by the Chubb Group, which has an A+ financial strength rating from AM Best Company
  • Unlimited annual coverage benefits for all Healthy Paws members


  • Harsh age restrictions for cats and dogs over the age of six
  • One-time enrollment fee of $25

Relevant Inclusions and Exclusions

One thing we’d like to point out about Healthy Paws coverage is the heavy age-based limitations that apply to enrollment eligibility and overall coverage. First and foremost, dogs and cats that aren’t enrolled in a Healthy Paws policy before the age of six are automatically disqualified from hip dysplasia coverage. 

Pets enrolled between the ages of six and seven only have access to an annual reimbursement rate of 80%. In contrast, younger cats and dogs are covered for 90% of veterinary expenses. For pets that aren’t enrolled until they’re eight or older, that reimbursement percentage drops to only 60%.

Head over to our complete Healthy Paws pet insurance review to learn more about the company. 

How Does Pet Insurance Work in New Mexico?

Pet insurance works more like homeowners insurance than it does human healthcare — though confusing insurance jargon and countless coverage variations can make pet healthcare just as difficult to navigate. 

Similar to pet insurance, homeowners insurance guarantees that you’ll be financially reimbursed for a portion of eligible expenses should sudden, or accidental damage affect your property.

In the same vein, for a monthly fee, usually between $30 to $40, a standard pet insurance plan will reimburse vet costs in partial if your pet ever endures an unexpected injury or illness. Most providers also offer preventative care riders to cover non-emergency veterinary expenses like annual exams, core vaccinations, parasite prevention, and more. 

We hope you’ll never have to file a claim. But if you do, the amount you’ll receive after your claim is reviewed and approved will be based on the coverage options you selected at enrollment — a.k.a. your annual coverage limit, deductible, and reimbursement rate.

For example, say you’ve enrolled in Spot accident/illness coverage for your Golden Retriever with a $4,000 annual limit, an 80% reimbursement rate, and a $250 annual deductible. 

In that case, you’ll be covered for any eligible vet expenses totaling up to $4,000 per year while being reimbursed for approximately 80% of the veterinary bill you covered upfront at the vet clinic. But, before Spot steps in to help out, you’ll have to pay off your annual deductible by paying at least $250 out-of-pocket. More often than not, this deductible will just be subtracted from your total reimbursement amount. 

How to Choose the Best Pet Insurance in New Mexico for You

Ideally, you’ll want to start shopping for pet health insurance while your pet is young and its medical history is brief. No pet insurance providers cover pre-existing conditions, so the earlier you enroll in coverage, the less time for costly conditions to strike while your pet is uninsured. 

We know that not all prospective policyholders have kittens or puppies. Maybe you’ve recently welcomed a rescued senior pet into your home or are just a little late to the pet insurance party. Not to worry — pet insurance can still be an extremely lucrative tool for financing geriatric veterinary care. Still, you’ll need to be especially cautious of providers with age requirements or overall narrower coverage for seniors. 

Generating a custom quote is a tried and true way of trying on coverage before making any promises. Providers will use basic characterizing information, including your pet’s species, age, breed, and ZIP code, to create a made-to-order monthly estimate depending on how you customize your coverage. 

How Much Does Pet Insurance Cost in New Mexico?

The average cost of standard accident/illness coverage in New Mexico ranges between $20 to $50 per month for dog insurance and $10 to $20 for cat insurance. 

Different pet insurance carriers offer different rates mainly because they evaluate risk factors individually. To show you just how much monthly premiums in New Mexico tend to vary from provider to provider, we’ve generated pet insurance quotes for each featured company, as seen in the table below.

The following estimates are based on an alias policyholder with a 2-year-old pet — either a medium mix breed dog or a domestic short-haired cat — living in Santa Fe, New Mexico. We selected the most popular accident/illness plan customizations as automatically recommended by each provider. Sample wellness costs for our dog and cat insurance quotes chose the most basic add-on available.

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost (If Applicable)
Spot $34.02 $18.20 $43.97 for dogs; $28.15 for cats
Lemonade $16.08 $11.00 $32.08 for dogs; $21.00 for cats
Embrace $39.92 $21.65 $58.67 for dogs; $40.40 for cats
Healthy Paws $46.78 $21.92 N/A
ASPCA $34.02 $18.20 $43.97 for dogs; $28.15 for cats

Final Thoughts

It can be hard to settle on one policy without feeling like you missed out elsewhere with so many policies to choose from among competing providers. And frankly, unless you’re enrolling a young cat or dog with a near impeccable medical record, you’ll have to commit to doing your due diligence to find a pet insurance policy that feels like a second skin. 

All in all, you may even come to realize that pet insurance isn’t the most practical option for you or your pet and instead opt for a pet healthcare alternative like Pet Assure or Pawp. Pet insurance or not, the end goal of doing tactful research is to find a financing option that accommodates your budget while still maximizing your pet’s coverage. 

Information for Pet Owners in New Mexico

As the fifth-largest state in the U.S., New Mexico’s versatile topography offers plenty of dog-friendly outdoor adventures to be had, from trekking scenic snowy vistas to exploring vast underground caverns. But, before you head out with your pup, you’ll need to familiarize yourself with a few fundamental pet laws in New Mexico, which we’ll discuss in more detail below. 

New Mexico State Pet Laws

  • New Mexico doesn’t uphold statewide leash laws, but most of its municipalities require a dog to be on a leash no longer than six feet in length when in public.
  • Dogs and cats over three months must be vaccinated for rabies; no medical exemptions apply. Pets must also receive boosters 12 months after their first injections. All pet owners residing in the state of New Mexico must have up-to-date certificates of vaccination available upon request.
  • New Mexico is a relatively progressive state when it comes to anti-animal cruelty provisions. It’s a fourth-degree felony in New Mexico to inflict extreme cruelty on any animal.
  • The ADA and New Mexico’s Service Animal Act require businesses and areas accessible to the general public to allow admittance of a service animal as long as it does not behave in a way that endangers others.

Fun Things to Do With Your Pet in NM

White Sands National Park in the Tularosa Basin offers 275 square miles of refined gypsum crystal dunes that dogs, and even horses, can freely roam. This destination is the ultimate sandpit for dogs that love to dig. 

McCauley Hot Springs in Santa Fe National Forest is a 3.5-mile long back trail near Jemez Springs, New Mexico, where you can recoup from your hike by soaking in the natural mineral water hot springs while your pup sniffs around off-leash in the surrounding wooded area.

If you’re looking to spend the day in town, Albuquerque alone has 15 dog parks to choose from, most with shaded seating areas for owners to kick back and mingle while their dogs burn off some energy. 

The Flying Star Cafe, also in Albuquerque on Rio Grande Blvd, is the perfect pet-friendly place to stop by with your pup for a bite to eat. Its outdoor seating area is equipped with a “canine hitch” at every table where you can fasten your dog’s leash while you dine. 

New Mexico Pet Resources

Taking care of an unexpected medical expense for your dog or cat can cause severe financial strain. If you’re a low-income resident of New Mexico, there are a few local veterinary assistance options around town that may be able to help out temporarily:

  • Animal Humane New Mexico (Albuquerque) — Provides low-cost veterinary services (preventative care, dental care, surgery, spay/neuter, diagnostics, and more) for pet owners who qualify for low-income status. They do not provide urgent or emergency care.
  • Deming Animal Guardians — Sponsors vaccinations, spay/neuter services, humane animal education outreach efforts, and an emergency pet food bank for low-income residents of Luna County, New Mexico.
  • Spay Neuter NM (Valencia County) — Provides spay/neuter services at a low cost to all residents of New Mexico.
  • Doña Ana County Humane Society — Distributes financial assistance in the form of vouchers for elderly pet owners to use towards veterinary care and pet food in Las Cruces, New Mexico.
  • The OSCAR Foundation LLC — Offers financial assistance to those who need assistance in seeking funds for pet surgeries or physical rehabilitation in New Mexico.
  • Max & Tucker Fund —The Santa Fe Community Foundation gives grants to low-income seniors over the age of 60 to help cover the medical treatment expenses for their companion dogs.

Frequently Asked Questions About Pet Insurance in New Mexico


What is Pet Insurance? 

Pet insurance is health insurance for your pet that reimburses you for part of your pet’s vet bills based on your specific plan’s coverage. Unlike human insurance, pet insurance providers do not pay for your pet’s medical bill at the vet clinic or animal hospital. Instead, your pet insurance provider will reimburse you directly after you’ve submitted your claim. Most pet insurance plans will reimburse you for between 50 to 90% of the total vet bill. This means that you’ll pay out of pocket for your dog or cat’s medical bill at the time of the visit, then submit your claim to your pet insurance provider, which will then reimburse you for the cost up to your plan’s reimbursement rate.

Does pet insurance cover all veterinary expenses? 

No, pet insurance won’t cover all expenses you build up at the vet’s office. However, insurance will typically cover accidents and illnesses that aren’t pre-existing. Some policies will even offer wellness and preventative care add-ons that add additional benefits to your policy, like wellness exams and vaccines.

How do I get reimbursed for a vet bill?

Simply take your cat to any licensed veterinarian and submit your claim. Depending on your provider, you can submit your claim through its mobile app, online member center, or through the mail. Then, you’ll wait for your provider to approve the claim. Once approved, it will reimburse you for the allocated amount in your pet insurance policy through direct deposit or check.



Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.