If you don’t currently have pet insurance, you might want to consider it, with the high costs of vet fees, especially for urgent care. Pet insurance provides a safe financial cushion for your pet to get the proper care when needed, at a cost you can afford. If you live in New Mexico, you might think your choices of pet insurance companies are limited or be unsure which is the best option for your cat or dog. In this guide, we’ll review our top 10 choices for pet insurance companies in New Mexico this year and more.
A Quick Look at the Winners for 2023
Image Product Details
Best Overall
Lemonade Pet Insurance
Affordable rates
Wellness packages
Comprehensive accident and illness coverage
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Spot
Covers some things other insurers won’t
Covers some pre-existing conditions
Unlimited annual coverage available
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Fetch by the Dodo
Covers dental, holistic treatments, and more
Covers pet boarding fees if you’re in the hospital
Can waive waiting period for knee injuries
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ASPCA
Covers cats, dogs, and horses
Suits almost any budget
Can make claims through their app
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Healthy Paws
Covers cats and dogs
User-friendly
Choice of deductible and reimbursement percentage
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Our 10 Pet Insurance Reviews in New Mexico
- Lemonade Pet Insurance – Best Overall
Compare Lemonade Pet Insurance PlansOur best overall pick for the best pet insurance company in New Mexico for 2023 is Lemonade Pet Insurance. Lemonade is a digital-first pet insurance company that offers pet insurance for cats and dogs. They have affordable rates, wellness packages, and feature comprehensive accident and illness coverage.
The company offers deductibles of $100 or $500 a year, and their options for reimbursements are 70%, 80%, or 90%. They have a two-day accident waiting period and are quite affordable, in our opinion. Pre-existing conditions need to be proven with a letter from your vet, and your credit and claim history could affect how much your rates increase. This company also doesn’t pay your vet directly.
Compare Lemonade Pet Insurance Plans
Our best overall pick for the best pet insurance company in New Mexico for 2023 is Lemonade Pet Insurance. Lemonade is a digital-first pet insurance company that offers pet insurance for cats and dogs. They have affordable rates, wellness packages, and feature comprehensive accident and illness coverage.
Pros
Affordable rates
Wellness packages
Comprehensive accident and illness coverage
Two-day accident waiting period
Covers cats and dogs
Cons
Pre-existing conditions must be proven
Credit or claim history might affect your rates
Doesn’t pay vet directly
- Spot
Compare Spot PlansSpot pet insurance covers a few services that most other insurers won’t, including prescription food and behavioral modification. They also cover some pre-existing conditions if they have been cured and your pet is treatment-free for 180 days. Spot is unique in that it has unlimited annual coverage options.
It has deductible options of $100, $250, $500, $750, or $1,000 and reimbursement options of 70%, 80%, and 90%. They do not cover all pre-existing conditions and won’t pay directly to your vet.
Affordable rates
Wellness packages
Comprehensive accident and illness coverage
Two-day accident waiting period
Covers cats and dogs
- Affordable rates
- Wellness packages
- Comprehensive accident and illness coverage
- Two-day accident waiting period
- Covers cats and dogs
Pre-existing conditions must be proven
Credit or claim history might affect your rates
Doesn’t pay vet directly
- Pre-existing conditions must be proven
- Credit or claim history might affect your rates
- Doesn’t pay vet directly
Compare Spot Plans
Spot pet insurance covers a few services that most other insurers won’t, including prescription food and behavioral modification. They also cover some pre-existing conditions if they have been cured and your pet is treatment-free for 180 days. Spot is unique in that it has unlimited annual coverage options.
Pros
Covers some things other insurers won’t
Covers some pre-existing conditions
Unlimited annual coverage available
Cons
Doesn’t cover all pre-existing conditions
Won’t pay directly to your vet
- Fetch by the Dodo
Compare Fetch by the Dodo PlansFetch by the Dodo pet insurance covers dental, holistic treatments, and much more. Most insurance companies do not cover those services without additional plans. Fetch even covers pet boarding fees if you’re in the hospital and will waive waiting periods for knee injuries in some cases. They offer deductible options in $50 increments ranging from $50 to $1,000. Their reimbursement options are 70%, 80%, or 90%.
However, they don’t have wellness or accident-only plans, and their premiums are a bit higher than some of the pet insurance plans on our list. They are a relatively new provider and won’t pay your vet directly. Despite these, we love Fetch and imagine they will become more popular among pet owners as they grow.
Covers some things other insurers won’t
Covers some pre-existing conditions
Unlimited annual coverage available
- Covers some things other insurers won’t
- Covers some pre-existing conditions
- Unlimited annual coverage available
Doesn’t cover all pre-existing conditions
Won’t pay directly to your vet
- Doesn’t cover all pre-existing conditions
- Won’t pay directly to your vet
Compare Fetch by the Dodo Plans
Fetch by the Dodo pet insurance covers dental, holistic treatments, and much more. Most insurance companies do not cover those services without additional plans. Fetch even covers pet boarding fees if you’re in the hospital and will waive waiting periods for knee injuries in some cases. They offer deductible options in $50 increments ranging from $50 to $1,000. Their reimbursement options are 70%, 80%, or 90%.
Pros
Covers dental, holistic treatments, and more
Covers pet boarding fees if you’re in the hospital
Can waive waiting period for knee injuries
Cons
Wellness or accident-only plans unavailable
Premiums are a bit high
Doesn’t pay directly to vet
- ASPCA
Compare ASPCA Pet Insurance PlansWe like ASPCA pet insurance because of its affordable rates. The company covers dogs, cats, and even horses so that you can protect all the animals in the same place. The insurance suits almost any budget and provides deductibles of $100, $250, or $500, and reimbursement options of 70%, 80%, and 90%. It’s possible to make claims through the company’s app, and they cover accidents, illness, and even hereditary and behavioral issues. The only drawbacks to ASPCA are that their reimbursement time can take 30 days, and the rates increase as your pet ages. They also won’t pay your vet directly.
Pros
Covers cats, dogs, and horses
Suits almost any budget
Can make claims through their app
Covers accident and illness
Covers behavioral and hereditary issues
Cons
Reimbursement time is 30 days
Rates go up as pet ages
Doesn’t pay vet directly
- Healthy Paws
Compare Healthy Paws PlansHealthy Paws pet insurance covers cats and dogs, and the website is user-friendly. The deductible choices are $100, $250, $500, $750, and $1,000, according to your pet’s age and where you live. The reimbursement options are 50%, 70%, 80%, or 90%, depending on where you live and your pet’s age. They can also pay your vet directly, unlike most insurers.
They offer two-day reimbursements but don’t cover exam fees or curable pre-existing conditions. Your aging pet must be enrolled before the age of 14 to qualify.
Covers dental, holistic treatments, and more
Covers pet boarding fees if you’re in the hospital
Can waive waiting period for knee injuries
- Covers dental, holistic treatments, and more
- Covers pet boarding fees if you’re in the hospital
- Can waive waiting period for knee injuries
Wellness or accident-only plans unavailable
Premiums are a bit high
Doesn’t pay directly to vet
- Wellness or accident-only plans unavailable
- Premiums are a bit high
- Doesn’t pay directly to vet
Compare ASPCA Pet Insurance Plans
We like ASPCA pet insurance because of its affordable rates. The company covers dogs, cats, and even horses so that you can protect all the animals in the same place. The insurance suits almost any budget and provides deductibles of $100, $250, or $500, and reimbursement options of 70%, 80%, and 90%. It’s possible to make claims through the company’s app, and they cover accidents, illness, and even hereditary and behavioral issues. The only drawbacks to ASPCA are that their reimbursement time can take 30 days, and the rates increase as your pet ages. They also won’t pay your vet directly.
Covers cats, dogs, and horses
Suits almost any budget
Can make claims through their app
Covers accident and illness
Covers behavioral and hereditary issues
- Covers cats, dogs, and horses
- Suits almost any budget
- Can make claims through their app
- Covers accident and illness
- Covers behavioral and hereditary issues
Reimbursement time is 30 days
Rates go up as pet ages
Doesn’t pay vet directly
- Reimbursement time is 30 days
- Rates go up as pet ages
- Doesn’t pay vet directly
Compare Healthy Paws Plans
Healthy Paws pet insurance covers cats and dogs, and the website is user-friendly. The deductible choices are $100, $250, $500, $750, and $1,000, according to your pet’s age and where you live. The reimbursement options are 50%, 70%, 80%, or 90%, depending on where you live and your pet’s age. They can also pay your vet directly, unlike most insurers.
Pros
Covers cats and dogs
User-friendly
Choice of deductible and reimbursement percentage
Two-day reimbursements
Will pay vet directly
Cons
Exam fees not covered
Curable pre-existing conditions not covered
Aging pets must be enrolled before age 14
- Pets Best
Compare Pet’s Best PlansPet’s Best is another great pet insurance company in New Mexico. They cover cats and dogs and are a great choice for older pets. They will pay your vet directly and have a 24/7 vet pet helpline. You can also get the optional routine care coverage plan to cover standard services.
The deductible options range from $50 to $1,000, according to your location, and the reimbursement options are 70%, 80%, and 90%. However, the company doesn’t cover pre-existing conditions, and the exam fees and specific therapies are only covered in the expensive plans. They also don’t cover holistic and herbal remedies.
Covers cats and dogs
User-friendly
Choice of deductible and reimbursement percentage
Two-day reimbursements
Will pay vet directly
- Covers cats and dogs
- User-friendly
- Choice of deductible and reimbursement percentage
- Two-day reimbursements
- Will pay vet directly
Exam fees not covered
Curable pre-existing conditions not covered
Aging pets must be enrolled before age 14
- Exam fees not covered
- Curable pre-existing conditions not covered
- Aging pets must be enrolled before age 14
Compare Pet’s Best Plans
Pet’s Best is another great pet insurance company in New Mexico. They cover cats and dogs and are a great choice for older pets. They will pay your vet directly and have a 24/7 vet pet helpline. You can also get the optional routine care coverage plan to cover standard services.
Pros
Covers dogs and cats
Great for older pets
Can pay vet directly
24/7 pet helpline
Optional routine care coverage
Cons
Doesn’t cover pre-existing conditions, burial, etc.
Exam fees and certain therapies are only included in more expensive plans
Holistic and herbal remedies not covered
- Nationwide Pet Insurance
Compare Nationwide Pet Insurance PlansIf you have dogs, cats, and a couple of exotic pets, you’re in luck since Nationwide pet insurance will cover them all for you. They also offer discounts for multiple pets and a whole pet plan that provides comprehensive coverage. The deductible is $250, and reimbursement options are either 50% or 70%. They aren’t the best on our list, but they cover exotic pets when other companies don’t.
Nationwide doesn’t cover spaying or neutering, and they won’t pay your vet directly. While they aren’t our top option for pet insurance in New Mexico, they are good if you have multiple animals or exotic pets.
Covers dogs and cats
Great for older pets
Can pay vet directly
24/7 pet helpline
Optional routine care coverage
- Covers dogs and cats
- Great for older pets
- Can pay vet directly
- 24/7 pet helpline
- Optional routine care coverage
Doesn’t cover pre-existing conditions, burial, etc.
Exam fees and certain therapies are only included in more expensive plans
Holistic and herbal remedies not covered
- Doesn’t cover pre-existing conditions, burial, etc.
- Exam fees and certain therapies are only included in more expensive plans
- Holistic and herbal remedies not covered
Compare Nationwide Pet Insurance Plans
If you have dogs, cats, and a couple of exotic pets, you’re in luck since Nationwide pet insurance will cover them all for you. They also offer discounts for multiple pets and a whole pet plan that provides comprehensive coverage. The deductible is $250, and reimbursement options are either 50% or 70%. They aren’t the best on our list, but they cover exotic pets when other companies don’t.
Pros
Covers cats, dogs, and exotic pets
Discounts for multiple pets
Whole pet plan offers comprehensive coverage
Cons
Not possible to add wellness coverage to all plans
Doesn’t cover spaying or neutering
Reimbursement options aren’t as good as others
Doesn’t pay vet directly
- Pet Assure
Compare Pet Assure PlansPet Assure isn’t precisely a pet insurance company, but it’s a discount company that helps with medical costs for pets. They cover pre-existing conditions, are affordable, and cover all types of animals. They are unusual because there are no deductibles.
Pet Assure doesn’t cover any out-of-house medical procedures, and they offer no discounts on non-medical services.
Covers cats, dogs, and exotic pets
Discounts for multiple pets
Whole pet plan offers comprehensive coverage
- Covers cats, dogs, and exotic pets
- Discounts for multiple pets
- Whole pet plan offers comprehensive coverage
Not possible to add wellness coverage to all plans
Doesn’t cover spaying or neutering
Reimbursement options aren’t as good as others
Doesn’t pay vet directly
- Not possible to add wellness coverage to all plans
- Doesn’t cover spaying or neutering
- Reimbursement options aren’t as good as others
- Doesn’t pay vet directly
Compare Pet Assure Plans
Pet Assure isn’t precisely a pet insurance company, but it’s a discount company that helps with medical costs for pets. They cover pre-existing conditions, are affordable, and cover all types of animals. They are unusual because there are no deductibles.
Pros
Covers Pre-existing conditions
Affordable
Unique
All animals are covered
Cons
Not exactly pet insurance
Out-of-house medical procedures not covered
No discount on non-medical services
- Embrace Pet Insurance
Compare Embrace Pet Insurance PlansEmbrace Pet Insurance covers dogs and cats and has a decreasing deductible. It has deductible options from $200 to $1,000, and for every year you don’t have a claim, your deductible will drop by $50. They have reimbursement options of 70%, 80%, and 90%.
They don’t cover prescription food or any supplements, and their pricing is also quite expensive. Users have reported that conditions the company covered at the beginning of the plan were denied and not covered later in the policy.
Covers Pre-existing conditions
Affordable
Unique
All animals are covered
- Covers Pre-existing conditions
- Affordable
- Unique
- All animals are covered
Not exactly pet insurance
Out-of-house medical procedures not covered
No discount on non-medical services
- Not exactly pet insurance
- Out-of-house medical procedures not covered
- No discount on non-medical services
Compare Embrace Pet Insurance Plans
Embrace Pet Insurance covers dogs and cats and has a decreasing deductible. It has deductible options from $200 to $1,000, and for every year you don’t have a claim, your deductible will drop by $50. They have reimbursement options of 70%, 80%, and 90%.
Pros
Covers dogs and cats
Decreasing deductible
Cons
Doesn’t cover supplements or prescription food
Pricing is higher than average
Conditions covered at beginning of plan then denied later
Doesn’t pay directly to vet
- Figo Pet Insurance
Compare X PlansFigo Pet Insurance has no upper age limit and offers 24/7 vet advice for your pets. They also have unlimited annual coverage options and 100% reimbursement options as well. The deductible options range from $100 to $750 and reimbursement options are 70%, 80%, 90% or 100%.
Figo is pricey, and it doesn’t have an accident-only plan. Users have reported that the customer service is lacking.
Covers dogs and cats
Decreasing deductible
- Covers dogs and cats
- Decreasing deductible
Doesn’t cover supplements or prescription food
Pricing is higher than average
Conditions covered at beginning of plan then denied later
Doesn’t pay directly to vet
- Doesn’t cover supplements or prescription food
- Pricing is higher than average
- Conditions covered at beginning of plan then denied later
- Doesn’t pay directly to vet
Compare X Plans
Figo Pet Insurance has no upper age limit and offers 24/7 vet advice for your pets. They also have unlimited annual coverage options and 100% reimbursement options as well. The deductible options range from $100 to $750 and reimbursement options are 70%, 80%, 90% or 100%.
Pros
24/7 vet advice
No upper age limit
Unlimited annual coverage options
100% reimbursement option
Cons
Pricey
Doesn’t offer an accident-only plan
Customer service is unreliable
Doesn’t pay vet directly
Buyer’s Guide: Choosing the Right Pet Insurance Provider in New Mexico
What to Look for in Pet Insurance In New Mexico
When it comes to choosing the right pet insurance for your pet in New Mexico, there are a few elements you’ll want to consider. These include the policy coverage you’ll get, the customer service and reputation of the company you’re considering, and the price of the policy. You’ll also want to look for the best claim repayment and plan customization options.
24/7 vet advice
No upper age limit
Unlimited annual coverage options
100% reimbursement option
- 24/7 vet advice
- No upper age limit
- Unlimited annual coverage options
- 100% reimbursement option
Pricey
Doesn’t offer an accident-only plan
Customer service is unreliable
Doesn’t pay vet directly
- Pricey
- Doesn’t offer an accident-only plan
- Customer service is unreliable
- Doesn’t pay vet directly
Policy Coverage
We have quite a few companies on the list that have excellent policy coverage, but you have to choose the one that’s best for you.
For example, if you have a dog that has a pre-existing condition, you’ll want adequate policy coverage to cover the condition from the beginning.
Customer Service & Reputation
As with any other service or product you purchase, you should examine the reputation of the pet insurance company in New Mexico you’re considering before making a final decision. You also want to ensure that they have friendly yet professional customer service by reading reviews of the company online.
We have a few on our list that have great reputations and customer service, but make sure you do your own research to be on the safe side.
Claim Repayment
Claim repayment time and the amount the company is willing to pay are extremely important as well. Do your research and choose the one that is the best for you and your pet’s needs.
Price Of Policy
It’s important to remember that in many cases, you get what you pay for, so don’t choose the pet insurance based on the price, look at all the previous suggestions in this guide before making a final decision.
Plan Customization
You should choose the insurance plan that covers your pet’s needs. For example, if your pet is healthy and all you need is a wellness plan, you should avoid a comprehensive plan with coverage that’s unnecessary. The same is true on the other side of the scope; if your dog has disabilities, you need a policy that will allow you to customize your treatment options.
Now that you know a bit about each provider above, we’ll answer a few of your questions.
Which Pet Provider has the Best Customer Reviews?
Most of the insurance companies on our list have great customer reviews. However, we feel that Nationwide, Lemonade, and Healthy Paws have the best reviews.
What Pet Insurance Provider Is Best for Me?
The best choice of pet insurance provider for you is the one with the best plan to suit your needs. Make sure to do your research to determine which one has the best prices and coverage.
What the Users Say
Users of the pet insurance companies in New Mexico seem to be happy with the coverage they’ve chosen. Nationwide, Lemonade, and Healthy Paws have the best customer reviews, and their policyholders seem to have fewer problems than customers of other providers.
Which Pet Insurance Provider In New Mexico Is Best For You?
If you live in New Mexico, you know how important it is for you to have pet insurance for your pet. All of the providers on our list are viable options for providing quality pet insurance.
However, each offers its own set of deductibles, rates, and reimbursement options, as well as the services they cover. If you feel that you can’t decide on which is the best for your pet, you can talk to your vet for recommendations based on the health of your loyal companion.
Conclusion
We hope you enjoyed our reviews of pet insurance companies in New Mexico for 2023. When searching for high-quality, reliable pet insurance, it’s best to do your research, read all the reviews, and talk to other policyholders before you make a final decision.
Sources
The Best Pet Insurance Companies in New Mexico 6 Best New Mexico Pet Insurance for Dogs and Cats (2022 Reviews) 7 Best New Mexico Dog Insurance Plans in 2022
Featured Image Credit: Shift Drive, Shutterstock
- The Best Pet Insurance Companies in New Mexico
- 6 Best New Mexico Pet Insurance for Dogs and Cats (2022 Reviews)
- 7 Best New Mexico Dog Insurance Plans in 2022
