The Best Pet Insurance Companies in New Mexico (2024)

• Offers the most competitive rates for pet insurance, based on our secret-shopping process
• Uses artificial intelligence (AI) to process claims quickly with limited human interaction
• Offers a discount for bundling with a Lemonade homeowners insurance or renters policy

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.

• Lets you choose from seven annual coverage limits
• Offers access to VetConnect, a free 24/7 vet helpline
• Provides accident-only, accident-and-illness, and two wellness care plans

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.

• Offers a 5% military discount, which most companies do not
• Decreases your deductible by $50 every year you don’t file a claim
• Donates to a charity with every opened policy

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.

• Covers microchipping, which providers often exclude from accident-and-illness plans
• Has its policies written by Crum & Forster Pet Insurance Group, a respected name in the industry
• Offers competitively priced accident-only plans

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 Pet Health Insurance 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 Pet Health Insurance.

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

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

• Offers unlimited coverage, with no annual or lifetime caps
• Typically pays out claims quickly, based on customer reviews
• Features a useful comparison tool to help you analyze providers

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.

• Provides total reimbursement, which most providers cap at 90%
• Offers three flexible accident-and-illness plans
• Provides vet appointment reminders, info on local pet attractions and telehealth services via its mobile app

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.

Figo also lets you 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.

• Accepts claims from all licensed vets in the United States and Canada
• Provides $1,000 of coverage for virtual vet visits
• Covers sick visit exam fees, which are typically excluded

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.