When it comes to protecting your furry friends, Costco Pet Insurance might be an option you’ve heard of — especially if you’re already a Costco member. But is it really worth it? In this guide, we break down everything you need to know about Costco’s pet insurance program, what it covers, and whether it’s a smart choice for your pet and your wallet.
Let’s explore how it works, the pros and cons, and what makes it different from other pet insurance plans on the market.
1. Is There Really a Costco Pet Insurance?
Technically, Costco Pet Insurance is not provided directly by Costco itself. Instead, Costco has partnered with Figo Pet Insurance to offer discounted rates to its members. So, when you buy through Costco, you’re essentially purchasing Figo insurance — just with added perks and possible savings exclusive to Costco members.
Note: You must have an active Costco membership to access the discounted rates.
2. What Does Costco Pet Insurance Cover?
Costco’s pet insurance (via Figo) provides a range of coverage options to suit most pet owners’ needs. Here’s what’s typically included:
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Accident & Illness Coverage
Covers unexpected injuries, broken bones, infections, and illnesses like cancer or diabetes. -
Emergency & Specialty Care
Visits to veterinary specialists or emergency care facilities are included. -
Chronic Conditions
Treatment for ongoing conditions like arthritis, allergies, and thyroid issues. -
Diagnostic Testing
Includes X-rays, MRIs, blood tests, and more. -
Optional Add-ons
Routine care and wellness options are available for an extra monthly cost.
3. How Much Does Costco Pet Insurance Cost?
One of the benefits of going through Costco is access to exclusive member pricing. The final cost depends on several factors:
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Your pet’s age, breed, and location
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Coverage level and annual deductible
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Any additional wellness plans you include
On average, plans range from $15 to $50 per month depending on the level of protection. Wellness packages may cost extra.
Bonus Tip: Executive Costco members might be eligible for higher discounts on premiums.
4. Benefits of Choosing Costco Pet Insurance
Choosing Costco Pet Insurance comes with multiple advantages:
✅ Member Discounts – Costco members receive exclusive pricing not available elsewhere.
✅ Flexible Plans – Figo offers multiple coverage levels and customizable options.
You’ll also get access to Figo’s Pet Cloud, an app-based portal that includes 24/7 virtual vet access, medical records storage, and pet activity tracking.
5. Things to Consider Before You Buy
Even though Costco offers competitive pricing through Figo, it’s still important to compare options before committing.
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Pre-Existing Conditions Aren’t Covered: Like most providers, existing health issues aren’t eligible.
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Waiting Periods Apply: There are standard waiting times before your coverage kicks in (usually 1-14 days).
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Annual Coverage Caps: Some plans have annual payout limits.
It’s a good idea to get quotes from a few different providers before settling on one — including Lemonade, Healthy Paws, and Spot — to ensure you’re getting the best coverage for your needs.
Frequently Asked Questions
Is Costco Pet Insurance Only for Dogs and Cats?
Yes, coverage is limited to dogs and cats at this time. Other pets like birds or reptiles aren’t eligible.
Can I Go to Any Vet with Costco Pet Insurance?
Yes, you can visit any licensed veterinarian in the U.S., and you’ll be reimbursed based on your plan’s terms.
Does Costco Pet Insurance Include Preventive Care?
Only if you add a wellness package. Otherwise, basic plans focus on accidents and illnesses.
Final Thoughts
If you’re already a Costco member and looking for reliable pet insurance, Costco Pet Insurance through Figo is worth considering. With customizable plans, digital tools, and exclusive member discounts, it offers solid value for both new and experienced pet parents. However, as with any insurance, be sure to read the fine print and compare with other providers before making your decision.
References:
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Figo Pet Insurance via Costco:
🔗 https://www.figopetinsurance.com/costco -
NerdWallet – Best Pet Insurance Providers:
🔗 https://www.nerdwallet.com/best/insurance/pet
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