Pet Insurance in New Mexico

Got an Abyssinian in Albuquerque, or a Boxer in Belen? Cover your pet with Lemonade pet insurance in New Mexico—the smart choice to keep your fur baby happy and healthy in the Land of Enchantment.

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How much does pet insurance cost in New Mexico?

As of 2025, the average estimated cost of Lemonade pet insurance in New Mexico ranges from roughly $25 to $29 a month, depending on factors like your pet’s breed and age, exactly where you live, and the coverages you choose.
CityAverage monthly premium*
Albuquerque$25 to $29
Las Cruces$20 to $24
Rio Rancho$30 to $34
Santa Fe$25 to $29
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What does a Lemonade pet insurance
policy in New Mexico cover?

A base Lemonade pet insurance insurance policy in New Mexico helps cover the costs of diagnostics, procedures, and medications to treat your cat or dog’s eligible accidents and illnesses. Here are some common types of care that Lemonade pet insurance covers in New Mexico:
  • Bloodwork
  • X-rays
  • MRI
  • CT Scan
  • Lab Work
  • Urinalysis
  • Ultrasounds
  • Cancer
  • Emergency Care
  • Surgery
  • Heart Disease
  • Hospitalization
  • Road Accidents
  • Outpatient Care
  • Allergy Medicine
  • Specialty Care
  • Injections
  • Prescription Medications
  • Arthritis Medications
  • Knee, Elbow, and Hip Dysplasia
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What pet insurance plans does
Lemonade offer in New Mexico?

Our preventative care packages help cover your pet’s regular trips to the vet.
Wellness examWellness exam

Wellness exam

Annual physical checkup for your pet

VaccinesVaccines

Vaccines

Up to 3 vaccines such as Rabies, DHLPP, and Bordetella

Heartworm testHeartworm test

Heartworm test

Annual screening of heartworm infestation

Fecal or internal parasite testFecal or internal parasite test

Fecal or internal parasite test

Annual parasite evaluation test

Routine dental cleaningRoutine dental cleaning

Routine dental cleaning

Including dental x-rays, anesthesia, polishing, and more

Preventative medicationPreventative medication

Preventative medication

Protection for your pet against fleas, ticks, and heartworm

Pet parents love Lemonade

Customizable coverage, seamless claims, and compassionate customer support —it’s no wonder why hundreds of thousands of pet parents choose Lemonade pet insurance

Is pet insurance worth it in New Mexico?

Check out how much dog and cat owners have saved on vet bills with pet insurance.

What additional coverage does
Lemonade offer in New Mexico?

You can easily mix and match our add-on coverages to meet your pet’s needs, and your budget.

Visit fees

Helps cover the extra fee vets charge for their time and labor, separate from the actual cost of the treatment.

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Physical therapy

Helps cover things like acupuncture and hydrotherapy related to functionality issues due to an unexpected illness or accident.

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Dental illness

Helps cover the cost of treatments related to eligible dental illness—including crowns, extractions, root canals, dental surgeries, and antibiotics.

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Behavioral conditions

Helps cover the costs of diagnostics, treatments, and therapies related to eligible behavioral conditions—like therapy sessions, prescription medications, and specialized training.

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End-of-life and remembrance

Helps cover the costs related to vet-recommended euthanasia, cremation, or commemorative items—like an urn, framed pictures, digital photo storage, or even a tattoo—even if the pet’s death is not related to an eligible condition.

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How much pet insurance do I need in New Mexico?

The right pet insurance balances your monthly premium with what you can afford for unexpected vet bills. Check out the estimated costs of some common vet services
for cats and dogs in New Mexico.

Estimated vet services costs for dogs across New Mexico

Vet ServiceAlbuquerqueLas CrucesRio RanchoSanta Fe
Spay (over 6 months)$590 (over 50 lbs)/$515 (under 50 lbs)$590 (over 50 lbs)/$515 (under 50 lbs)$590 (over 50 lbs)/$515 (under 50 lbs)$590 (over 50 lbs)/$515 (under 50 lbs)
Neuter (over 6 months)$489$489$489$489
Professional dental cleaning$395$395$395$395
Office visit$68$68$68$68

Estimated vet services costs for cats across New Mexico

Vet ServiceAlbuquerqueLas CrucesRio RanchoSanta Fe
Spay (over 6 months)$366$366$366$366
Neuter (over 6 months)$270$270$270$270
Professional dental cleaning$395$395$395$395
Office visit$68$68$68$68

Source: Banfield Pet Hospital

How does pet insurance work in New Mexico?

Lemonade harnesses the power of tech to make the process of filing a pet insurance claim—and getting reimbursed—a breeze
Go to the vetGo to the vet

Go to the vet

If your pet gets sick or injured, just visit any state-licensed veterinarian for the diagnostics, procedures, and medications your furry friend may need to recover.

File a claimFile a claim

File a claim

File a claim on the Lemonade app in minutes. You’ll need a pic of the vet invoice and/or a paid receipt, plus a copy of your medical records or notes from that specific vet visit.

Get reimbursedGet reimbursed

Get reimbursed

Get your money back directly into your bank account from Lemonade for eligible claims. Around 50% of Lemonade pet insurance claims are handled instantly.

FAQs

What are the main safety threats to pets in New Mexico?

New Mexico’s unique environment brings its own set of challenges for pet safety. Coyotes are a frequent concern, especially in rural areas or neighborhoods close to open land. To protect your pets, always supervise them outside, keep them on a leash in coyote-prone areas, and never leave food or waste that could attract wildlife. Building a tall, secure fence can help keep coyotes out of your yard.

Snakes are another hazard—they’re widespread and include venomous species like rattlesnakes and coral snakes. Always watch where your pet roams during walks, especially in rocky or desert areas. If your pet is bitten, get to a vet immediately for treatment, which may include antivenom. Staying alert outside can help you avoid these dangerous encounters.

What are the best dog parks in New Mexico?

New Mexico has some incredible options for your pup to stretch their legs.

  • Frank S. Ortiz Dog Park in Santa Fe offers a stunning 138 acres of trails and grassy areas where dogs can roam freely—just know it’s not fully fenced.
  • USS Bullhead Park Dog Park in Albuquerque provides lots of open space to run but be sure to pack some water for your furry friend.
  • City of Gallup Dog Park is a convenient rest stop near I-40 if you’re traveling.
  • Cabezon Park in Rio Rancho has a variety of amenities perfect for a family outing, including a 13-acre space for dogs to play while you relax at the picnic areas.

What are the top local pet-based businesses in New Mexico?

New Mexico’s pet community has plenty of pet focused businesses to visit.

  • Teca Tu in Albuquerque, is a one-stop-shop for everything from premium food to stylish pet clothes.
  • Pet Pangaea in Los Alamos is another top spot, where their knowledgeable team helps keep both you and your pet happy with quality products and personalized recommendations.
  • Long Leash on Life in Albuquerque, which offers a great range of fresh and raw options.
  • Clark’s Pet Emporium is another must-visit in Albuquerque, where you’ll find supplies for all kinds of pets—from dogs and cats to reptiles and small animals.

Can I use Lemonade pet insurance at any vet in New Mexico?

Yes, since we work on a reimbursement basis you can use your Lemonade pet insurance policy at any licensed vet in the U.S., including New Mexico.

What should I know about keeping pets safe during New Mexico’s hot summers?

In New Mexico, the scorching temperatures can pose serious risks to your pets. It’s crucial to make sure they have access to plenty of shade and fresh water whenever you’re outdoors. Hot pavement can easily burn your dog’s paws, so try to walk them on grass or dirt paths instead.

Additionally, it’s a good idea to schedule outdoor activities for the early morning or late evening when it’s cooler, and always keep an eye on your pet for signs of overheating, like excessive panting or lethargy.

*Lemonade Insurance analyzed policy rates to calculate average pet premiums as of October, 2024. This analysis is based on Lemonadeu2019s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances

Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.