Get the Best Pet Insurance in New Mexico in 2025

Sponsored by Figo Pet Insurance

As a pet owner in New Mexico, keeping your furry companion healthy is always a top priority. One way to stay prepared for unexpected veterinary costs is by choosing the right pet insurance plan. But with so many choices out there, finding coverage that fits both your pet’s needs and your budget can feel like a challenge.

This guide is here to make it easier for pet parents in the Land of Enchantment. We’ll cover what to look for in a pet insurance policy, common health concerns for pets in New Mexico, and how to balance coverage with affordability. By the end, you’ll be ready to pick a plan that helps your pet get excellent care while keeping your finances in check.

Summary: Best New Mexico Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 1/13/2025 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in New Mexico?

According to our research, New Mexico pet insurance costs an average of $34 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $56 a month*.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two New Mexico cities: Albuquerque, a major urban center, and Los Alamos, an average-sized city for the state.

It's important to note that your own New Mexico pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare New Mexico pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in New Mexico

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in New Mexico is $34 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $56 monthly.

Cost of Pet Insurance in New Mexico by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in New Mexico:

Cost of Pet Insurance for Cats in New Mexico

Pet insurance for cats is significantly cheaper than dog insurance in New Mexico. The average monthly cost for cat insurance in the state ranges from $15 to $35, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in New Mexico by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of New Mexico pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in New Mexico

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in New Mexico

New Mexico’s desert landscapes and high altitudes create a unique environment for pets, bringing both beauty and challenges. The state’s hot, dry climate puts pets at risk for dehydration and heatstroke, particularly during the summer months. Access to shade and fresh water is vital for keeping them healthy.

Ticks are a concern in many areas of New Mexico and can spread diseases to pets, making year-round prevention important. Wildlife encounters, including those with venomous creatures like rattlesnakes and brown recluse spiders, can also pose serious risks. Supervising pets outdoors is key to avoiding injuries or dangerous interactions.

Poor air quality from dust storms or wildfires is another challenge that can affect pets, particularly those with respiratory conditions. Limiting outdoor activities during these events helps protect their health.

When choosing pet insurance in New Mexico, look for plans that cover preventive care, emergency treatments, and region-specific risks. Comprehensive coverage ensures your pet is protected in this diverse and challenging environment.

Here are some important features to keep in mind when selecting the best pet insurance plan in the state:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. This is particularly important in a state like New Mexico, where pets can encounter various health challenges.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Veterinary costs in New Mexico are generally lower than many other states, but having coverage for exam fees can still lead to significant savings over time.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

New Mexico Pet Laws

The Land of Enchantment, known for its rich culture and breathtaking landscapes, has specific pet laws to ensure animal welfare and responsible ownership. Here’s what New Mexico pet parents should know:

• Pets as personal property. Under New Mexico law, dogs, cats, and domestic birds are considered personal property. This means they're treated similarly to other possessions in legal matters.
• Mandatory licensing for dogs. Municipalities and counties can require licensing for dogs over three months old. Each local government sets its own fees and procedures, ensuring local control over dog licensing.
• Stray animal ordinances. Local governments have the authority to establish rules for seizing and managing stray dogs and cats running at large, as long as these ordinances align with state laws. This allows communities to address issues with stray animals effectively while adhering to state guidelines.
• Pet trusts. New Mexico law permits the creation of pet trusts to provide for animals during the settlor's lifetime. These trusts remain valid until the death of the last named animal, after which any remaining property is distributed to the settlor’s designated successors.
• Abandoned animal protection. Veterinary clinics, hospitals, kennels, and grooming parlors are protected from liability when disposing of abandoned animals, as long as proper notification has been sent to the recorded owner. This law supports animal care facilities in managing unclaimed pets.

Albuquerque Pet Laws

In the shadow of the Sandia Mountains, Albuquerque is a city that values harmony between pets and their community. Through local ordinances, the city works to ensure the safety and well-being of animals while preserving public order. If you’re a pet owner in Albuquerque, here are the essential animal regulations to follow:

• Microchipping and registration. All dogs and cats over three months old must be microchipped and registered with the Albuquerque Animal Care Center (AACC). This applies to residents and anyone keeping a companion animal in the city for more than 15 consecutive days or 30 days in a year.
• Spaying and neutering. Dogs and cats over six months old must be spayed or neutered unless the owner obtains an Intact Companion Animal Permit, which limits households to four intact animals.
• Restraint requirements. Animals must be securely confined by a fence, facility, or enclosure. When off the owner’s property, pets must be on a leash no longer than eight feet and controlled by a capable handler.
• Nuisance prevention. Pet owners must prevent excessive barking or howling and promptly clean up their pet’s waste on public or private property that isn’t their own.

Las Cruces Pet Laws

In the lively city of Las Cruces, with its stunning Organ Mountains and rich cultural heritage, pet laws aim to balance animal welfare with community wellbeing. If you’re a pet owner in Las Cruces, here’s what you need to know:

• Microchipping and registration. Dogs and cats three months or older must be microchipped with accurate owner information, including name, address, and phone number. The microchip serves as proof of ownership and satisfies the city’s pet license requirement. Owners must also keep their microchip registration current and update any changes within 30 days.
• Rabies vaccination. Pets over three months old must be vaccinated against rabies by or under the supervision of a licensed veterinarian. While community cats are exempt from wearing rabies tags, all other animals must have a tag attached to their collar or harness when off their owner’s property.
• Restraint requirements. Animals must always be under humane physical restraint, except for community cats. On their owner’s property, pets must be secured in an enclosure or under immediate control. Tethering is limited to two hours in a 12-hour period or four hours if using a running line. When off-property, pets must be leashed and under control.
• Preventing nuisances. Pet owners must prevent their animals from causing disturbances, such as excessive barking or howling, and are responsible for properly disposing of pet waste. Feeding dogs or cats running at large is prohibited to discourage strays and maintain public health.

Rio Rancho Pet Laws

In Rio Rancho, where desert vistas and vibrant neighborhoods define the landscape, pet laws are designed to safeguard both animals and residents. Here’s an overview of the regulations every pet owner should follow:

• Licensing and rabies vaccination. All dogs over six months old and cats over five months old must be licensed annually through the Rio Rancho Animal Resource Center (RRARC). A current rabies vaccination certificate is required, and intact animals must also have an intact animal permit. License tags must remain affixed to the animal at all times.
• Spaying and neutering. Pets must be spayed or neutered unless the owner obtains an intact animal permit, which is granted for medical reasons or competition/show animals. Intact animals require a hobby breeder permit for breeding, and higher license fees may apply for animals that are not spayed or neutered.
• Confinement and leash requirements. Animals must be confined to the owner’s property or on a leash no longer than eight feet when off the property. Tethering and trolley systems are restricted, and animals are prohibited from trespassing on public or private property.
• Preventing nuisances. Pet owners must prevent their animals from causing disturbances, such as persistent barking or howling, that disrupt the peace. Owners are also required to clean up pet waste on public or private property and ensure their pets are not kept in conditions that produce offensive odors or pose a health risk to the community.

Common Pet Risks in New Mexico

New Mexico’s unique blend of desert landscapes, high altitudes, and varied climates brings a range of challenges for pets. Pet owners in the Land of Enchantment should be mindful of these common risks to keep their companions safe:

• Heat-related illnesses. New Mexico’s hot, dry summers make dehydration and heatstroke serious risks for pets. These conditions are especially common during outdoor activities or in areas without shade. Fresh water, shade, and avoiding exercise during peak heat are essential for keeping pets healthy.
• Tick-borne diseases. Ticks thrive in many parts of New Mexico, especially in wooded or grassy areas, and can spread diseases like Lyme disease and Ehrlichiosis. Regular tick prevention and checks after outdoor adventures help reduce the risk of infection.
• Venomous wildlife. New Mexico is home to venomous snakes like rattlesnakes and creatures such as brown recluse spiders. Encounters with these animals can result in severe injuries or bites that require immediate medical attention. Supervised outdoor time and being cautious in known wildlife areas can help keep pets safe.
• Poor air quality. Dust storms and wildfires in New Mexico can lead to poor air quality, which can trigger respiratory issues in pets, particularly those with pre-existing conditions. Keeping pets indoors during these events is critical for their health.
• Cold weather risks. While New Mexico is known for its hot climate, winter in higher elevations can bring freezing temperatures and snow. Pets exposed to extreme cold are at risk for frostbite or hypothermia. Providing proper shelter and limiting outdoor exposure during cold spells are key precautions.

Veterinary Costs in New Mexico

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in New Mexico is $68. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in New Mexico

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in New Mexico:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in New Mexico. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in New Mexico FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens