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
Updated: November 13, 2025
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Key Takeaways
AKC and Lemonade offer some of the best pet insurance options in New Mexico, with plans starting at $8 per month. Both companies provide good pricing and dependable customer support.
If you’re looking for the cheapest pet insurance in New Mexico, Lemonade’s dog plans start around $46 a month. Pumpkin’s cat coverage comes in lower at about $19 per month.
Take time to compare a few policies so you can match the coverage to your pet’s needs, your budget and the level of protection you want.
Best Pet Insurance Companies in New Mexico
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| AKC | 4.55 | $53 |
| Lemonade | 4.50 | $46 |
| Pets Best | 4.15 | $55 |
| Rainwalk | 4.05 | $64 |
| ASPCA | 3.85 | $51 |
AKC
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
Average Monthly Rate for Dogs
$53Average Monthly Rate for Cats
$22Overall Reddit Sentiment
86% positiveMaximum Annual Limit
$10,000
Best Pet Insurance by Dog Breed
Overall, AKC ranks highest for many dog breeds in New Mexico. Lemonade and Pets Best also come out on top for certain breeds. This list shows which companies work best for your dog in the state.
Data filtered by:
Affenpinscher
| 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.
Data filtered by:
Abyssinian
| 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.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| 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.
Data filtered by:
Affenpinscher
| 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.
Data filtered by:
Abyssinian
| 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.
Data filtered by:
$5,000
$500
80%
| Cat | $40 | $484 | -12% |
| Dog | $80 | $955 | -12% |
How to Get the Best Cheap Pet Insurance in New Mexico
Finding an affordable pet insurance provider in New Mexico can feel overwhelming, but a few simple steps can help you narrow down the best options for your needs.
- 1Evaluate Your Pet’s Coverage Needs
Before buying pet insurance, think about your pet’s age, breed and any health issues. Look for a plan that fits both your pet’s needs and your budget.
- 2Check for Insurance Discounts
Multi-pet plans and annual payments often come with discounts. Many providers lower the rate if you cover more than one pet or pay once a year.
- 3Review Company Reputation
Read customer reviews and look into each company’s claim history. It helps to focus on providers known for good service and dependable claim processing.
- 4Compare Quotes From Several Providers
Get quotes from at least three pet insurance companies. Make sure you’re comparing the same coverage levels and deductibles so the prices are accurate.
- 5Look Over Your Policy Each Year
Review your renewal rates annually since premiums often go up. If your rate increases a lot, it may be worth getting new quotes to see if another provider offers a better deal.
Best Pet Insurance in New Mexico: Bottom Line
In New Mexico, AKC is the best choice for dog owners, while Lemonade performs well for cat coverage. For lower-cost options, Pumpkin offers the most affordable cat plans and Lemonade has the cheapest dog insurance. Comparing a few companies helps you find the plan that fits your pet and your budget.
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 November 27, 2025.