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What is Pet Insurance for Dogs and Cats?
Pet insurance for dogs and cats is similar to health insurance for us humans; a way to help cover eligible expenses which can occur due to unfortunate illnesses or accidents to your pet, in return for a premium.
We don’t want our pets to fall sick. If they do, we want to give them the best possible care. But the vet bills for unexpected accidents and illnesses can get expensive at times. This is where pet insurance can help. Despite the fear of vet visits for your pet, you have help sleeping like a baby because you have pet insurance.
We, as mere humans, can’t control the unfortunate happenings so much. But what we can control is our expense, stress, anxiety, and night’s sleep towards those sad situations we might have to sail through. Know more about is pet insurance worth it and how does pet insurance work.
Why is pet insurance important in New Mexico?
Pollution
Pollution has become a pressing issue in New Mexico, causing detrimental effects on both the environment and its inhabitants, including our beloved pets. The state's rapid industrial growth and urbanization have led to an increase in air and water pollution. High levels of hazardous contaminants such as particulate matter, nitrogen oxides, and volatile organic compounds are released into the atmosphere, affecting the quality of air that both humans and pets breathe. Water pollution, caused by irresponsible waste disposal and chemical spills, puts pets at risk as they may come into contact with toxic substances while drinking or swimming in contaminated water sources. Exposure to polluted air and water can lead to numerous health issues for pets, ranging from respiratory illnesses, skin infections, and gastrointestinal problems to more severe conditions like organ damage and cancer. As a result, it is crucial for pet owners to remain vigilant about pollution in New Mexico and take necessary precautions to safeguard the well-being of their furry companions.
Read moreHow Spot Plans Help Protect Your Pet
Diagnostics & Treatments for Covered Conditions
Spot plans cover diagnostics & treatments for covered conditions.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $360†
You Pay $140
Carnivorous Predators
Large predators of New Mexico today are mountain lions, black bears, bobcats, and coyotes. They are found throughout the state. These wild animals are hardwired to see small animals like cats and dogs as prey. Especially coyotes and mountain lions. Being a mountainous state, there are high chances you will encounter them while on a hike or a long walk in the woods. Our pets can get in serious fights with them leaving them severely injured. The open wounds can cause infections through bacteria and viruses sticking to them and can lead to internal organ damage as well.
Read moreHow Spot Plans Help Protect Your Pet
Orthopedic Injuries
Spot plans cover accidents and injuries like broken bones or fractures that may result from an encounter with a wild animal.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $4,410†
You Pay $590
Ticks
New Mexico is home to at least 8 species of ticks which can live in various climates and environments throughout the state. Some ticks known in New Mexico include the black-legged tick, American dog tick, and brown dog tick. These ticks can pass along parasites and diseases to us and our pets through the bloodstream and cause symptoms which can include lethargy, fever or chills, head, muscle, and joint pains, and difficulty breathing. Ticks are small and can be hard to spot, so it’s best to always be on the lookout for these signs. While on a walk with your dog, avoid tall grasses, and dense forested areas as ticks are known to be present in these areas.
Read moreHow Spot Plans Help Protect Your Pet
Diseases from Parasites
Spot accident & illness plans can cover eligible illnesses and diseases resulting from parasites.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $360†
You Pay $140
Why Spot Plans?
We are a pet and pet-parent-first organization. For us, a good insurance plan would be one that helps pet parents sleep peacefully at night, knowing that their pet is covered for the unexpected.
Affordable Plans for Cats & Dogs
Life is full of surprises. Spot helps pet parents plan for them with easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.
New Mexico Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of New Mexico.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
What should I look for when getting pet insurance?
There are certain features that you, as a pet parent should look for while selecting a pet insurance plan for your pet. These can include – the type of plans offered, price, benefits offered, claim reimbursement process, and an informative website, to name a few.
How can I make my vet visits less expensive?
There are some options you can explore to find less expensive vet care, like looking for cheaper alternatives of prescriptions or comparing different vets, but one of the best methods is getting your pet insured. This way, you can rest easier knowing you have coverage for the unexpected. Also, by taking your pet to the vet for routine preventive care, you can help protect them against future conditions. Spot plans offer preventive care coverage at an additional cost to your plan.
Is medication covered by Spot pet insurance plans?
Yes, medication prescribed by a licensed vet to treat a covered condition would be covered by a Spot plan. Know more about what does pet insurance cover.
Are vaccinations covered by pet insurance?
Base level plans provided by Spot do not cover vaccinations. To get reimbursed for certain routine vaccinations for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month.
Is microchip covered by pet insurance?
Most providers don’t cover microchip implantation in the base plans they offer BUT Spot plans cover microchip implantation in all base plans. Know more about what does pet insurance cover.
How much is pet insurance in NM?
Based on internal data, Spot plans in New Mexico cost about $44 per month.* Some factors that affect your premium are the pet’s breed, age, and where you live. Other factors include the plan type, annual deductible amount, reimbursement percentage, and annual coverage limit amount. Spot plans have customizable plan options to help you pick the plan most affordable for you and your pet. Click here to get a quote.
*Average cost is based on Spot internal data from June 2022 - January 2024 for active policies in the state of New Mexico for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.