Whether hiking with your pup through White Sands National Park or relaxing at home with your kitten, it’s important to remember that an unexpected accident or injury can happen at any time. Enrolling in a pet insurance policy prevents you from worrying about expensive vet bills, allowing you to focus on getting your pet the necessary care.

The This Old House Reviews Team researched the best pet insurance companies across the country, evaluating plan options, coverage, reimbursement rates, waiting periods, and more. These are our top recommendations for pet insurance in New Mexico, from Las Cruces to Albuquerque and Santa Fe.



New Mexico’s Top 7 Pet Insurance Providers




Lemonade ranks highest on our list due to its affordable plans and well-rounded coverage. It also uses the latest AI technology to help users manage their plans and file claims via its website or mobile app. 

  • Deductibles: $100, $250, $500
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $5,000, $10,000, $20,000, $50,000, $100,000

Lemonade Pros and Cons

✔ Provides a 10% discount if you bundle your pet insurance policy with a homeowners or renters policy
✔ Offers the most affordable plans of the providers on this list
✔ Donates unclaimed premium money to the charity of your choice

✘ Doesn’t offer coverage for dental or behavioral issues in its base plan
✘ Excludes pets 14 years and older from coverage

Why We Chose Lemonade

We ranked Lemonade as the best overall coverage with a score of 96 out of 100. The company stands out for its affordable, customizable plans and unique AI technology, allowing customers to upload claims quickly and easily. 

Lemonade offers up to $100,000 in annual coverage in its accident-and-illness plan. You can choose from several wellness add-ons to cover vet visits, physical therapy, dental care, behavioral therapy, and end-of-life services.

Get a quote: Fill out Lemonade’s online quote form.

Learn more: Lemonade Pet Insurance review




Spot provides the most customizable policies of the providers on this list. It offers accident-only and accident-and-illness coverage with seven annual limits, including an unlimited option.

  • Deductibles: $100, $250, $500, $750, $1,000
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited

Spot Pros and Cons

✔ Covers microchipping and exam fees in its standard policy
✔ Offers an affordable accident-only plan
✔ Provides 24/7 vet telehealth

✘ Doesn’t have customer service on the weekends
✘ Has a 14-day waiting period for accidents, longer than many providers on this list

Why We Chose Spot

We scored Spot 91 out of 100 for its customizable, affordable coverage options. The company offers two plans (accident-and-illness and accident-only), six annual limits, five annual deductibles, and three reimbursement rates so users can tailor their policy to fit their budget needs.

Although Spot is a newer provider founded in 2019, it’s underwritten by the Crum & Forster Pet Insurance Group, which has more than 16 years of experience in the pet insurance industry. Spot’s base pet insurance plan includes unique coverage for alternative therapies such as acupuncture, chiropractic care, and rehabilitative therapy. Most providers don’t cover preexisting conditions, but Spot will cover them if your pet has been symptom and treatment-free for 180 days.

Get a quote: Fill out Spot’s online quote form.

Learn more: Spot Pet Insurance review



Healthy Paws

Healthy Paws might be your best option if you want a singular, straightforward plan with unlimited coverage.

  • Deductibles: $250 or $500
  • Reimbursement options: 70% or 80%
  • Maximum coverage limits: Unlimited coverage

Healthy Paws Pros and Cons

✔ Processes claims quickly (usually within 48 hours)
✔ Offers a 30-day money-back guarantee
✔ Donates to a homeless pet’s health care with every quote 

✘ Doesn’t offer a wellness care add-on
✘ Doesn’t have a multi-pet discount

Why We Chose Healthy Paws

We scored Healthy Paws 93.5 out of 100 due to its unlimited coverage, ensuring you never have to worry about running out of coverage for expensive vet bills. Healthy Paws’ costs are slightly higher than competitors, but its plans are more affordable than other unlimited coverage options. 

Healthy Paws offers one comprehensive accident-and-illness policy, covering emergency care, specialist care, and alternative treatments. It processes claims quickly and has a simple process: Pet owners must upload a photo of their vet bill on the mobile app or website. Healthy Paws also provides a comparison tool to help customers find the best price, even from a competitor. 

Get a quote: Fill out Healthy Paws’ online quote form.

Learn more: Healthy Paws Pet Insurance review




Figo made our list for its 100% reimbursement option and impressive Extra Care Pack add-on, which covers unique costs such as vacation cancellation if your pet has an emergency.

  • Deductibles: $100, $250, $500, $750
  • Reimbursement options: 70%, 80%, 90%, 100%
  • Maximum coverage limits: $5,000, $10,000, unlimited

Figo Pros and Cons

✔ Offers 100% reimbursement option
✔ Features a “Pet Cloud” app that gives vet reminders, finds local pet parks and trails, and provides 24/7 access to a live vet
✔ Has a one-day waiting period for injuries, shorter than many competitors

✘ Doesn’t cover dental illnesses
✘ Doesn’t cover pets younger than eight weeks old

Why We Chose Figo

Figo scored 93 out of 100 in our ranking. It offers distinctive add-ons to its three standard plans:

  • Wellness: This package is offered at a basic and premium level, covering routine care such as vaccinations, spay/neuter surgery, bloodwork, flea/tick/heartworm prevention, and more.
  • Veterinary exams: This add-on covers exam fees related to diagnosing your pet with a covered illness or injury and the required treatments. It doesn’t cover exams related to preventive care.
  • Extra care pack: This add-on covers the costs of specific circumstances, such as cremation and burial, lost pet advertising and rewards, vacation cancellation if your pet has an emergency, pet theft, boarding fees, and up to $10,000 for damage caused by your pet.

Figo also offers a Pet Cloud app that helps pet parents organize their pet’s appointments and medical records and provides 24/7 access to a licensed veterinarian. The app can connect you to other local pet owners to share photos and coordinate playdates at nearby pet-friendly locations.

Get a quote: Fill out Figo’s online quote form.

Learn more: Figo Pet Insurance review




Embrace offers some of the best deductible options and a unique vanishing deductible, which lowers your deductible each year you don’t file a claim. 

  • Deductibles: $200, $300, $500, $750, $1,000
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $5,000, $8,000, $10,000, $15,000, $30,000

Embrace Pros and Cons

✔ Provides a 10% multi-pet discount
✔ Offers a Healthy Pet Deductible that reduces by $50 each year you don’t file a claim
✔ Covers vet visit fees related to illness or injury 

✘ Charges a $25 enrollment fee
✘ Has a long six-month waiting period for orthopedic conditions

Why We Chose Embrace

Embrace scored 93.5 out of 100 in our review. It offers more deductible options than any provider on this list, with a choice between five ($200, $300, $500, $750, and $1,000). Embrace guarantees coverage for any illness that’s not preexisting. Like Spot, it will cover a curable preexisting condition if your pet has been without symptoms or treatments for 12 months. 

Embrace has a comprehensive accident-and-illness policy covering dental illness, physical therapy, and breed-specific genetic conditions. It also covers alternative treatments, such as homeotherapy and acupuncture, plus treatments from a specialist, such as an oncologist or radiologist. 

Get a quote: Fill out Embrace’s online quote form.

Learn more: Embrace Pet Insurance review



Fetch by The Dodo

Fetch by The Dodo stands out for its alternative and holistic therapy coverage, including stem cell therapy, acupuncture, and hydrotherapy.

  • Deductibles: $250, $300, $400
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $5,000, $10,000, $15,000

Fetch by The Dodo Pros and Cons

✔ Reimburses up to $1,000 for behavioral therapy and vet telehealth services
✔ Offers discounts for owners who’ve adopted their pet from a shelter or rescue, as well as licensed medical services for pets
✔ Provides comprehensive dental benefits, covering every tooth for illness and trauma

✘ Has a 15-day waiting period for accidents and illnesses, longer than most competitors
✘ Doesn’t offer a preventive care option

Why We Chose Fetch by The Dodo

Scoring a 91.5 out of 100, Fetch by The Dodo is ideal for pet parents looking for holistic coverage. It covers stem cell therapy, homeotherapy, hydrotherapy, acupuncture, and chiropractic care in its standard accident-and-illness policy. It also covers expenses such as advertising and rewards for lost pets, boarding fees, and vacation cancellation costs.

Fetch offers multiple discounts plus a “Healthy Pet” credit, which gives pet owners 15% off their monthly premium if they go a year without filing a claim. After that, savings increase to 30% for the second year.

Get a quote: Fill out Fetch by The Dodo’s online quote form.

Learn more: Fetch by The Dodo Pet Insurance review




Trupanion has many distinctive features, but its direct vet payments stand out the most. It offers unlimited coverage, a 90% reimbursement rate, and flexible deductible options. 

  • Deductibles: Customers choose a per-condition deductible between $0 and $1,000 (in $5 increments)
  • Reimbursement options: 90%
  • Maximum coverage limits: Unlimited coverage

Trupanion Pros and Cons

✔ Pays qualifying claims directly to your vet rather than reimbursing you
✔ Provides unlimited lifetime coverage
✔ Offers a unique breeding add-on

✘ Can’t customize your reimbursement rate
✘ Is more expensive than other providers

Why We Chose Trupanion

Trupanion scored 89.5 out of 100. Unlike many providers, it pays your vet directly at checkout rather than making you file a claim and wait for reimbursement. All you have to do is pay your portion of the bill.

Trupanion offers one comprehensive accident-and-only plan with a 90% reimbursement rate and unlimited coverage. The company handles its deductibles differently than other providers, allowing customers to choose their own deductible from a range between $0 and $1,000 (in $5 increments). The deductible is also per incident rather than per year, meaning that if your labrador suffers from allergies, you’ll only pay one deductible for that condition throughout its entire life.

Get a quote: Fill out Trupanion’s online quote form.

Learn more: Trupanion pet insurance review



Compare the Top Pet Insurance Providers in New Mexico

We recommend obtaining at least three quotes from top providers before enrolling in a plan.


Avg Cost of Dog Insurance*

Avg Cost of Cat Insurance*

Number of Plans and Add-ons

Wellness Add-on









Healthy Paws












Fetch by the Dodo








*Based on sample quotes for a mixed-breed, 4-year-old dog or cat in Santa Fe, New Mexico.



What Pet Insurance Does and Doesn’t Cover

Your pet insurance coverage depends on if you’ve chosen an accident-only or an accident-and-illness plan. You can also expand your coverage by selecting a wellness add-on. Here’s what each plan covers:

  • Accident-only plan: An accident-only plan covers emergency care, treatments, and procedures relating to an accident or injury. This includes hospitalization, diagnostics, and prescription medication.
  • Accident-and-illness plan: An accident-and-illness policy covers everything in an accident-only plan, plus costs associated with illnesses and conditions. This can include cancer, arthritis, allergies, diabetes, hereditary conditions, chronic conditions, and more. 
  • Wellness add-on: Most pet insurance providers don’t cover preventive care in their base plans because this is considered an expected cost that pet parents can plan for, and pet insurance is meant to cover unexpected bills. Some providers offer a wellness care add-on at an additional monthly cost. These wellness plans typically cover services and treatments such as spay/neuter surgery, vaccinations, annual checkups, dental cleanings, and flea/tick prevention.

Pet insurance policies also come with some exclusions. For example, no pet insurance providers cover preexisting conditions, defined as any injury, illness, or condition that your pet was diagnosed with or showed symptoms of before the start date of your policy. However, some companies (Embrace, Spot, and Fetch) will cover curable preexisting conditions after a certain waiting period as long there are no recurring symptoms.

Pet insurance policies also typically don’t cover cosmetic or elective surgeries, breeding costs, grooming, and preventive care.



Our Conclusion

A pet insurance policy provides peace of mind that your pet will be cared for in an emergency, illness, or injury. There are plenty of pet insurance companies to choose from, but we believe the providers on this list offer the best coverage, price, customer service, and unique offerings in New Mexico. Lemonade is our top choice for affordable, comprehensive coverage. Spot, Figo, or Embrace might be better if you’re looking for flexible coverage options.



FAQs About Pet Insurance in New Mexico



Our Rating Methodology

The This Old House Reviews Team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.