Table of Contents

6 Best New Mexico Pet Insurance for Dogs & Cats (2024 Reviews)

Bike ride in new mexico with dog
Updated on

Devoted pet owners often purchase pet insurance to protect their much-loved dogs and cats from the emergencies that inevitably strike in most animals’ lives. Since veterinary fees for urgent care tend to be exorbitantly high, pet insurance provides a crucial financial cushion so that pets get the best care possible, even if it exceeds their parents’ means. To help simplify your search, we are happy to share the 6 best pet insurance companies for New Mexico residents.

Trail ride with dog in New Mexico
Cruisin' the trails :)

5 Top Dog & Cat Insurance Companies Compared for New Mexico

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade ranks best overall because they offer pet parents affordable premiums, excellent wellness packages to choose from along with comprehensive accident and illness coverage. They provide an easy-to-use claims filing system on their first-class mobile app and even have a short 2-day accident waiting period. Lemonade discounts those who bundle their pet insurance with renters’ or homeowners’ plans.

    Keep in mind: Pets with pre-existing conditions may need veterinary documentation detailing their medical history to get an active policy.

    Good for: Most cats and dogs, especially young and healthy. 

    Average price for DOGS in New Mexico: $22.67/month 

    Average price for CATS in New Mexico: $11.00/month


    Learn more at ➜

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Wagmo has a reputation for super-fast reimbursements via direct deposit, PayPal, and Venmo. They also allow pet parents the freedom to choose their cats’ and dogs’ veterinarians and cover up to 100% of veterinary fees once their annual deductibles have been met. Also, pet parents who insure multiple pets or renew their policies without claims in the previous year will receive discounts

    Keep in mind: Maximum lifetime benefits are $100,000, after which coverage ends.

    Good for: Pet parents looking for a well-balanced mix of wellness and emergency coverage. 

    Average price for DOGS in New Mexico: $43.05/month 

    Average price for CATS in New Mexico: $26.12/month 


    Learn more at ➜

  • 3. Figo

    (Best for cats)

    Why it’s great: They may provide insurance for dogs, but their monthly premiums for cats are the best. Figo gives pet parents access to live 24/7 veterinary support through Figo’s mobile app for that extra peace of mind. Their wellness packages provide a range of added coverage, including one that reimburses up to $250 of prescription food. What’s more, all of their standard plans come with unlimited lifetime benefits, so pets remain covered, regardless of how expensive care becomes over the years.

    Keep in mind: Pre-existing conditions are not covered.

    Good for: Cat parents and pet owners who wish to have 24/7 telehealth included in their coverage. 

    Average price for DOGS in New Mexico: $25.53/month 

    Average price for CATS in New Mexico: $12.89/month


    Learn more at ➜

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: The emergency fund protects up to 6 pets within your household, irrespective of age, breed or medical history, for only $24 per month. On top of the emergency fund, pet parents can access pet consultations as well as around-the-clock telehealth services. One of the best perks of Pawp’s offerings is that there are no copays, deductibles or credit checks. Pet parents will also appreciate the freedom to choose veterinarians and leave the vet’s clinic knowing Pawp will have paid the bill for qualified emergencies.

    Keep in mind: Pawp’s emergency fund only covers qualified emergencies as designated by their virtual vet team. Also, it only reimburses for one of your pets’ treatments for a single vet bill that is less than $3,000 once per year.

    Good for: Older pets and pets with pre-existing conditions. A beneficial supplement for a traditional pet insurance plan. 

    Price: $24/month 


    Learn more at ➜

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace is well known for their diminishing deductibles that drop by $50 upon renewal if they had no claim reimbursements the year before. They also provide unlimited lifetime benefits with all of their plans as well as discounts for customers who insure multiple pets. The one thing that makes Embrace stand out from other insurers is their wellness plan, which covers alternative veterinary treatments such as reiki, acupuncture, chiropractic and massage therapy.

    Keep in mind: The wellness package’s maximum combined claims total is $650 per year, amounting to $25 in annual savings. Any wellness package funds that go unused will not be refunded at the end of the year.

    Good for: Pet parents interested in exploring new age, alternative veterinary treatments for their cats and dogs. 

    Average price for DOGS in New Mexico: $57.94/month 

    Average price for CATS in New Mexico: $33.84/month


    Learn more at ➜

  • 6. Eusoh

    (Best pet health sharing community)

    Why it’s great: Eusoh is an excellent alternative to pet insurance since they offer an expense-sharing community, which saves their members as much as 50% when compared with pet insurance. Their health-sharing plans cover expenses related to accidents, illness and routine care. A couple of extra benefits are the freedom to choose one’s veterinarian and access to televet services via FirstVet, Eusoh’s partner.

    Keep in mind: While Eusoh is not a pet insurance company, it is an expense-sharing community. The maximum annual reimbursement offered tops out at $8,500 and the highest reimbursement rate sits at 80%.

    Good for: Pet parents that prefer healthshare communities. 

    Average price for DOGS in New Mexico: $62.58/month 

    Average price for CATS in New Mexico: $40.94/month


    Learn more at ➜

Best Overall


Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in California and they also offer the best value.

Average price for DOGS in New Mexico: $22.67/month 

Average price for CATS in New Mexico: $11.00/month


Learn more at ➜

FAQs About Pet Insurance in New Mexic

  • 1. What does pet insurance typically cover for dogs and cats?

    While every pet insurance company’s offerings are different, most providers will cover any accident or ailment that is sudden and catastrophic. Covered care can include exams, tests, various diagnostic procedures, emergency treatments, surgery and medications.

  • 2. How much does pet insurance cost in New Mexico?

    Pet insurance in New Mexico costs anywhere from $11.66 to $35.20 per month for dogs (based on prices for a healthy 2-year-old located in the 87012 zip code). And anywhere from $10.90 to $13.59 per month for cats (based on prices for a healthy 2-year-old located in the 87012 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my dog or cat insurance plan after I make a claim?

    You can usually cancel your pet insurance plan at any time. Required protocol varies between companies, so be sure to contact your provider to determine their requirements.

  • 4. Do New Mexico pet insurance companies cover spaying and neutering?

    Most pet insurance companies do not extend coverage to spaying and neutering. That said, some pet insurance providers, such as Embrace , feature wellness package add-ons that will reimburse for these procedures.

  • 5. Does the cost of insurance increase as my pet ages?

    The cost of insurance goes up as your pet grows older. Monthly premiums jump in price to help mitigate the increased risk of your pet becoming ill or developing a serious health condition as they age.

  • 6. Which companies cover pre-existing conditions?

    Pawp is the best pet insurance company for covering pre-existing conditions, particularly in emergencies. Embrace will also cover some ‘curable’ pre-existing conditions. However, their coverage is not as extensive as Pawp’s. Before purchasing a policy, we recommend consulting these companies for further details regarding their benefits and terms. You will be pleased to know that any pre-existing conditions your pet may have will not affect their eligibility for pet insurance.

  • 7. Is pet insurance worth it in New Mexico?

    Regardless of your pet’s day-to-day wellbeing, emergencies can occur at any time and without warning. Urgent veterinary care tends to be pricey, which is the primary reason pet owners in New Mexico can benefit immensely from pet insurance. After all, therapies for a life-threatening disease like cancer can run as high as $10,000, and hip replacement surgery for pets suffering from severe dysplasia $7,000. Pet insurance gives New Mexico pet parents a financial safety net to make certain their cats and dogs have access to essential treatments and procedures.


Ultimately, we hope this article helps you hone in on the right pet insurance provider for your beloved cat or dog. We suggest that pet parents further explore each company’s coverage and terms before applying for a policy. Buying the best New Mexico pet insurance will give your little pal extra protection when it comes to emergencies and routine care so that they can enjoy a long and happy life with you.

In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 87012 zip code. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $8,500
  • Lemonade = $20,000