costco pet insurance

Costco partners with Figo Pet Insurance to offer pet insurance plans exclusively to members, focusing on accident and illness coverage with customizable options.

Plan Details

Costco's pet insurance through Figo includes three tiers: Essential ($5,000 annual limit), Preferred ($10,000 annual limit), and Unlimited (no cap). Policyholders select deductibles from $100, $250, $500, $750, or higher, with reimbursement rates of 70%, 80%, 90%, or 100%. Wellness add-ons and 24/7 vet chat support are available, with a short 1-day waiting period for accidents.

Pricing Overview

Average monthly costs start around $38 for dogs with $5,000 coverage, a $250 deductible, and 80% reimbursement, rising to $60 for unlimited plans. Prices vary by breed, age, location, and coverage—French Bulldogs average $93/month, while mixed breeds run $37-$55. Costco members receive discounts, plus a one- time $15 enrollment fee applies.

Breed Example| Monthly Cost (Unlimited, $250 Deductible, 80% Reimbursement) 3
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French Bulldog| $93
Golden Retriever| $60
Labrador Retriever| $66
Mixed Breed (Small)| $37

Customer Insights

Users praise fast claims via app, Zelle/PayPal reimbursements, and responsive support, though some note breed-specific pricing hikes for high-risk pets. Forums like Reddit discuss it as a solid Costco perk, but comparisons favor providers like ManyPets for lower unlimited premiums ($49 vs. $60).

Latest Trends

As of late 2025, no major changes reported, but Australian Costco offers Petsy promotions with shop card rewards up to $600/year for Executive members. Always get a personalized quote via Costco's site, as rates fluctuate.

TL;DR: Costco's Figo-backed pet insurance delivers flexible, member- discounted coverage with strong customization, averaging $38-$60/month—ideal for accident-prone pets, but shop breeds and compare totals.

Information gathered from public forums or data available on the internet and portrayed here.