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.
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.
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.
Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.
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.
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.
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.
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.
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.
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.
In New Mexico, most insurance companies offer three different types of pet insurance coverage options. The following are the most common:
The following are most commonly covered under pet insurance policies:
The following is a list of exclusions you should be aware of when looking at pet insurance policies:
Pet insurance premiums in New Mexico typically cost less than $150 per month; however, prices vary depending on some criteria, including:
|Dog||Chihuahua||6 months||$14 to $50 monthly|
|Cat||Domestic Shorthair||6 months||$11 to $30 monthly|
|Dog||Golden Retriever||5 years||$32 to $98 monthly|
|Cat||Maine Coon||5 years||$15 to $38 monthly|
|Dog||Golden Retriever||6 months||$24 to $81 monthly|
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:
When choosing pet insurance, keep a few of these factors in mind so you can make an informative decision for your pet: