AKC is the best pet insurance company for dogs in New Mexico, while Lemonade ranks highest for cats. Pet owners looking for additional options can consider Pumpkin, Pets Best and Spot.
Best Pet Insurance in New Mexico
The best pet insurance companies in New Mexico are Lemonade, Pumpkin, Spot and AKC, with monthly rates starting at $5.
Ready to protect your furry friend? Let's find you the perfect plan.

Updated: September 9, 2025
Advertising & Editorial Disclosure
AKC and Lemonade offer the best pet insurance in New Mexico, with plans starting at $8 per month. These providers combine competitive pricing with excellent customer service.
For the cheapest pet insurance in New Mexico, Lemonade provides dog coverage at $46 monthly, while Pumpkin offers cat insurance at $19 per month.
Compare multiple pet insurance policies to find coverage that matches your pet's needs and your budget while offering reliable protection.
Best Pet Insurance Companies in New Mexico
| AKC | 4.55 | $53 | 
| Lemonade | 4.50 | $46 | 
| Pets Best | 4.15 | $55 | 
| Rainwalk | 4.05 | $64 | 
| ASPCA | 3.85 | $51 | 

AKC
Best Overall
- Average Monthly Rate for Dogs $53
- Average Monthly Rate for Cats $22
- Overall Reddit Sentiment 86% positive
- Maximum Annual Limit $10,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in New Mexico, while Lemonade and Pets Best are top picks for select breeds. Below, you can review which companies are best for your dog in the state.
| AKC | 4.35 | $46 | 
| Pets Best | 4.35 | $24 | 
| Rainwalk | 4.3 | $45 | 
| Lemonade | 4.3 | $28 | 
| Spot | 3.95 | $44 | 
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for cat breeds in New Mexico, offering strong coverage and customer experience across breeds. Below, you can review which companies are best for your cat in the state.
| AKC | 4.55 | $34 | 
| Rainwalk | 4.45 | $33 | 
| Lemonade | 4.35 | $22 | 
| Pets Best | 4.3 | $29 | 
| Spot | 4.2 | $28 | 
Cheapest Pet Insurance in New Mexico
In New Mexico, Lemonade offers the most affordable dog insurance at $46 per month or $547 annually. For cats, Pumpkin provides the cheapest coverage at $19 monthly or $228 per year.
| Lemonade | $46 | $547 | -29% | 
| ASPCA | $51 | $616 | -20% | 
| AKC | $53 | $638 | -17% | 
| Pets Best | $55 | $665 | -14% | 
| Pumpkin | $55 | $665 | -14% | 
| Figo | $56 | $671 | -13% | 
| Hartville | $59 | $709 | -8% | 
| Met Life | $59 | $712 | -8% | 
| Spot | $63 | $748 | -3% | 
| Rainwalk | $64 | $767 | -1% | 
| Liberty Mutual | $73 | $875 | 13% | 
| Embrace | $77 | $921 | 19% | 
| Fetch | $93 | $1,114 | 44% | 
| Nationwide | $102 | $1,220 | 58% | 
Cheapest New Mexico Pet Insurance by Dog Breed
In New Mexico, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs, with rates starting at $15 monthly.
| Pets Best | $24 | $296 | -50% | 
| Lemonade | $28 | $334 | -43% | 
| Pumpkin | $33 | $395 | -33% | 
| ASPCA | $36 | $434 | -26% | 
| Figo | $39 | $471 | -20% | 
Cheapest New Mexico Pet Insurance by Cat Breed
In New Mexico, Pets Best (13 wins), Pumpkin (8 wins) and Lemonade (6 wins) provide the most affordable coverage across cat breeds. Rates start at $13 per month for standard plans.
| Lemonade | $22 | $267 | -55% | 
| Figo | $24 | $286 | -51% | 
| Hartville | $28 | $329 | -44% | 
| Spot | $28 | $339 | -42% | 
| Pets Best | $29 | $345 | -42% | 
How Much Is Pet Insurance in New Mexico?
New Mexico pet insurance costs an average of $80 monthly for dogs and $40 for cats. New Mexico's rates are about 12% lower than the national average for both types of pets.
| Cat | $40 | $484 | -12% | 
| Dog | $80 | $955 | -12% | 
How to Get the Best Cheap Pet Insurance in New Mexico
Finding the best cheap provider and coverage plan in New Mexico can be difficult. Here's how to find the best pet insurance for your needs:
- 1Evaluate Your Pet's Coverage Needs FirstBefore getting a pet insurance, consider your pet's age, breed and health risks. Consider coverage that matches your pet's needs and your budget. 
- 2Look for Available Insurance DiscountsCheck for savings through a multi-pet plan or annual payment options. Many providers offer discounts for paying yearly or insuring multiple pets. 
- 3Research Insurance Company Track RecordsCheck customer reviews and claim payment histories of different insurance providers. Focus on companies with strong reputations for customer service and reliable claim processing. 
- 4Get and Compare Multiple QuotesRequest quotes from at least three different pet insurance providers. Make sure to compare similar coverage levels and deductibles for accurate price comparison. 
- 5Review Your Policy AnnuallyCheck your policy renewal rates each year as premiums often increase. Shop around for new quotes if your current rates rise significantly. 
Best Pet Insurance in New Mexico: Bottom Line
AKC and Lemonade are New Mexico's top pet insurance providers, with AKC leading for dogs and Lemonade excelling for cats. For budget-conscious pet parents, Pumpkin offers the most affordable cat coverage, while Lemonade provides the cheapest dog insurance. Compare multiple providers and coverage options to find the right fit for your furry family member.
Pet Insurance in New Mexico: FAQ
Here are answers to frequently asked questions about New Mexico pet insurance:
What are the best pet insurance companies in New Mexico?
Pet owners in New Mexico have excellent insurance options. Based on our analysis, AKC, Lemonade, Pumpkin, Spot and Pets Best rank among the leading providers in the state.
Which company has the cheapest pet insurance in New Mexico?
Pumpkin, Figo and Lemonade offer some of the most affordable pet insurance rates in New Mexico. Monthly premiums start at $46 for dogs and $19 for cats.
How much is pet insurance in New Mexico?
In New Mexico, pet insurance costs average $484 annually for cats and $955 for dogs. Annual premiums across all pet types range from $60 to $11,784, depending on coverage selected and pet factors.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in New Mexico
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for New Mexico residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed October 31, 2025.

