Best Pet Insurance in New Mexico of 2022

Lisa Scott

If you enjoy having fun, New Mexico offers a variety of activities for families visiting or staying in the state. However, because the New Mexico mountains are home to a variety of wild animals, there are risks involved when exploring the state, and it could endanger your pets. New Mexico is also subject to severe weather conditions, which can result in injuries and accidents for your pet. For this reason, pet insurance can be useful when unexpected medical attention is required.

Furthermore, in the event of an emergency, purchasing a pet insurance plan can help you save money and reduce the cost of your pet’s health treatment. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement Rates

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is pet insurance worth it in New Mexico? 

In New Mexico, there are several reasons that getting an insurance plan is desirable. The weather in this state can be scorching and result in dangerously high temperatures, which makes it difficult for pets to cool down as well. This type of fatigue for your pet can make them susceptible to illness.

In addition, New Mexico is home to a slew of dangerous animals, including potentially poisonous creatures and bugs. You must keep an eye on your pets to avoid being bitten by harmful reptiles or insects that could make your pets sick or harmed. Bites from other animals can induce anaphylactic reactions in pets, which can result in an emergency visit to the veterinary clinic or hospital. Also, keep in mind that veterinary treatment for pets is very expensive, therefore if you do not have pet insurance you will be paying a hefty medical bill.

Depending on the plan you choose, pet insurance can help you prepare for unexpected situations and lower your out-of-pocket spending.

What types of pet insurance plans are in New Mexico? 

In New Mexico, most insurance companies offer three different types of pet insurance coverage options. The following are the most common:

  • Accident-only plan: Accidental injuries caused by insects or wild animal bites, as well as your pet being hit by a vehicle, are covered under this policy. Hospital visits, medications, and treatments related to an accident would be covered by your insurance provider.
  • Accident and illness plan: This is the most popular dog insurance plan in New Mexico, especially if you are seeking more holistic coverage for your pet. Accident and illness insurance covers the most common pet conditions, in addition to medication, x-rays, hospitalization, and surgery. While this plan has its advantages, most insurance companies will factor in the age of your pet before approving coverage.
  • Wellness plan: Some insurers sell wellness plans separately, while others include them as part of their basic coverage. It’s primarily for your pet’s health maintenance and includes vaccinations, veterinarian exams, and routine check-ups.

What does pet insurance cover and exclude?

The following are most commonly covered under pet insurance policies:

  • Vaccinations: Most insurers cover annual vaccines against core diseases like rabies, canine distemper, and feline panleukopenia. Some also cover vaccinations for other conditions such as Lyme disease and West Nile virus.
  • Treatment for illness or injury: This includes emergency medical treatment for an illness or injury. This policy also covers x-rays, medications, and surgery.
  • Routine and preventative care: This includes wellness exams, routine lab tests, and other regular maintenance services you may be seeking for your pet. Heartworm testing and flea/tick preventatives are also included.
  • Diagnostic testing: This includes imaging such as ultrasounds, CT scans, MRIs, and more.

The following is a list of exclusions you should be aware of when looking at pet insurance policies:

  • Treatment or diagnosis of pre-existing conditions: Pet insurance will not cover the cost for treatment or the diagnosis of pre-existing conditions.
  • Injury or illness with intent to cause harm: Pet insurance will not cover injuries or illnesses that were provoked by abuse, neglect, self-mutilation, or any other intentional act on the pet owner’s part.
  • Breeding, pregnancy, and whelping: Pet insurance does not cover expenses related to breeding, pregnancy, or the whelps (i.e., newborn pups) if the mother dog dies during pregnancy or the whelping process. This would include transportation costs to and from the veterinary clinic, medications, and surgeries related to whelping.
  • Additional veterinary facility fees: If your veterinarian charges more than the fee agreed upon in your policy, pet insurance will not cover the difference.
  • Elective veterinary procedures: Any elective veterinary procedures will not be covered by the insurer in a basic plan. Examples of these procedures include dental care, routine surgeries such as spaying (for females), neutering (for males), and declawing. However, many policies do offer an add-on option if you would like to have coverage for elective care.

How much does pet insurance cost in New Mexico?

Pet insurance premiums in New Mexico typically cost less than $150 per month; however, prices vary depending on some criteria, including:

  • Age: The fees you will pay are dictated based on your pets’ age because they become more prone to health problems. Additionally, older pets are more likely to become ill and recovery may take longer than usual.
  • Species: Each species is more prone to specific conditions like joint problems and hip dysplasia, and this can affect the cost of your insurance as well. These types of disorders are also more expensive to treat.
  • Breed: Certain breeds of pets follow the same species rule, making them more expensive than others. This is because they are more susceptible to certain ailments.
SpeciesBreedAgeCost
DogChihuahua6 months$14 to $50 monthly 
CatDomestic Shorthair6 months$11 to $30 monthly 
DogGolden Retriever5 years$32 to $98 monthly 
CatMaine Coon5 years $15 to $38 monthly
DogGolden Retriever6 months $24 to $81 monthly 

What are the veterinary costs in New Mexico?

The expense of veterinary care in New Mexico, as in other states, is fairly high. The following is a list of average prices for a variety of services provided by a veterinarian’s office:

  • Physical exams: $35 to $55
  • Fecal exam: $20 to $40
  • Heartworm test: $40 to $50
  • Dental cleaning: $65 to $400

How to choose the best pet insurance in New Mexico 

When choosing pet insurance, keep a few of these factors in mind so you can make an informative decision for your pet:

  • Understanding the terms of the policy: By taking the time to thoroughly review your policy, you will know what kind of services will be covered and what will be excluded. You can also assess if your pet requires basic insurance or potentially add-on options such as wellness and preventative care.
  • Knowing your pet’s health history: When searching for an insurance policy, keep your pet’s medical history in mind, including any surgeries or illnesses they’ve had and whether they’re spayed or neutered. With all this information, you’ll be better prepared to make an informed decision about which pet insurance plan is right for your pet.
  • Customer reviews: Check what other customers in New Mexico have to say about an insurance agency you’re considering. Read reviews about the customer’s experience, their service, and how they handle their claims process. This will make it easier for you to come to a decision.