Is Costco Pet Insurance Worth It? Complete Review 2025
Our Expert's Opinion on Costco
Costco Pet Insurance, underwritten by Figo, has quickly established itself in the US market for pet owners seeking transparent, comprehensive protection for their cats and dogs. The plan offers three main tiers (Essential, Preferred, and Ultimate), with reimbursement rates of 70%, 80%, or 90%, and annual coverage limits from $5,000 up to unlimited, catering both to basic and premium care requirements. Single, per-condition deductible options ($100–$750) provide flexibility, while unique wellness/preventive care add-ons are available for a separate cost. Costco’s pricing generally undercuts key competitors like Nationwide and Trupanion for comparable coverage, delivering robust value on high reimbursement rates and unlimited coverage for those seeking maximum peace of mind. Costco’s insurance is especially well-suited for members with young or healthy pets or those looking for high reimbursements and unlimited annual limits, but remains accessible to owners of older, purebred, or at-risk animals thanks to broad eligibility and comprehensive illness/injury coverage. As part of the Costco brand, backed by Figo (whose parent is Independence Pet Group with strong US market presence and over $500M in premiums annually), customers benefit from high reliability; Trustpilot lists Figo at 4.2/5 with 4,000+ reviews, and most claims are processed digitally within an average of 2–5 business days, well above industry speed standards.
- Highly customizable plans and coverage limits
- Reimbursement rates up to 90% available
- Annual benefits up to unlimited (Ultimate plan)
- Rapid digital claim processing, average 2–5 days
- No upper age limits for new enrollments
- Direct payment to some veterinarians possible
- Trusted Costco and Figo partnership with strong Trustpilot score
- Wellness/preventive care requires costly add-on
- Exam fee coverage costs extra
- Waiting periods apply for accidents/illness
- Behavioral coverage limited on base plans
- Pre-existing conditions excluded
- Costco warranties
- Costco Exclusions
- Costco prices
- Costco Assistance
- Customer feedback on Costco
- How can I contact Costco?
- FAQ
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At HelloSafe, our pet insurance experts thoroughly review the terms, conditions, and pricing of insurance policies available in the market every year to provide you with reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of users across the US trust us each month to help guide their most important financial decisions.
Costco warranties
Costco Pet Insurance, provided through Figo in the US, features three main plans— Essential, Preferred, and Ultimate—covering accidents and illness with customizable reimbursement rates (70%, 80%, or 90%), and annual deductibles ($100–$750) with no per-incident caps. The strength of Costco lies in broad coverage without breed/age surcharges, quick claim adjudication, and valuable optional wellness/prevention add-ons that include vaccinations and routine care. Notably, Figo includes vet exam fees, prescription medications, hereditary conditions, and modern diagnostics even on the base plan, unlike most competitors. However, dental illness, behavioral therapy, and preventive care require extra riders and pre-existing conditions remain excluded. Positioning-wise, Costco stands out for flexibility, optionality, and transparent digital tools but could enhance with broader dental/prevention inclusions.
| Essential Plan | Preferred Plan | Ultimate Plan | |
|---|---|---|---|
| Positioning of the plan | Entry-level, accident & illness | Balanced, higher limits | Premium, best reimbursements & coverage |
| Type of coverage | Accident & illness | Accident & illness | Accident & illness |
| Covered animals | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | Choice of 70%, 80%, or 90% | Choice of 70%, 80%, or 90% | Choice of 70%, 80%, or 90% |
| Annual reimbursement limit | $5,000 | $10,000 | Unlimited |
| Deductible (annual) | $100–$750, annual | $100–$750, annual | $100–$750, annual |
| Age min/max for dogs | Min: 8 weeks / Max: NC | Min: 8 weeks / Max: NC | Min: 8 weeks / Max: NC |
| Age min/max for cats | Min: 8 weeks / Max: NC | Min: 8 weeks / Max: NC | Min: 8 weeks / Max: NC |
| Pre-enrollment health form | Not required | Not required | Not required |
| Waiting period (illness) | 14 days | 14 days | 14 days |
| Waiting period (accident) | 1 day | 1 day | 1 day |
| Lifetime renewable? | Yes | Yes | Yes |
| Vet consultations (all types) | Covered | Covered | Covered |
| Medication coverage | Covered | Covered | Covered |
| Hospitalization | Covered | Covered | Covered |
| Ambulance fees | Covered | Covered | Covered |
| Surgery, anesthesia | Covered | Covered | Covered |
| CT scan, MRI, ultrasound | Covered | Covered | Covered |
| Lab tests | Covered | Covered | Covered |
| Radiation therapy | Covered | Covered | Covered |
| Dental (accident only) | Accident-caused only | Accident-caused only | Accident-caused only |
| Dental cleaning | Optional (Wellness rider) | Optional (Wellness rider) | Optional (Wellness rider) |
| Wellness/prevention/routine | Optional rider up to $250/yr | Optional rider up to $250/yr | Optional rider up to $250/yr |
| Alternative therapies | Covered | Covered | Covered |
| Prescription food | Not covered | Not covered | Not covered |
| Countries covered / travel | Covered worldwide (excluding embargoed) | Covered worldwide (excluding embargoed) | Covered worldwide (excluding embargoed) |
| Death / cremation | Not covered | Not covered | Not covered |
| Euthanasia | Only if due to covered accident/illness | Only if due to covered accident/illness | Only if due to covered accident/illness |
| Theft/loss/search costs | Not covered | Not covered | Not covered |
| Boarding fees | Not covered | Not covered | Not covered |
Good to know
Wellness/prevention add-ons cover a set dollar amount for vaccinations, annual exams, dental cleanings, microchipping, and spay/neuter. There is no breed or age surcharge, but pre-existing conditions are always excluded. No explicit max number of veterinary visits, but annual policy limits apply per plan. Plans are managed digitally via Figo’s Pet Cloud app with 24/7 live vet chat included. Premiums may vary based on customization (deductible/reimbursement/plafond) and local cost of care.
Costco Exclusions
Costco pet insurance policies follow common medical exclusions such as pre-existing conditions, waiting periods for certain conditions, cosmetic procedures, and non-prescription medications, but have some specific distinctions notably regarding bilateral conditions—when an ailment occurs on one side, the opposite side is also excluded from future coverage.
Hereditary and congenital conditions may be subject to special limits or full exclusion if signs existed prior to coverage, and coverage for dental diseases is often restricted to accidents rather than illness.
Certain chronic conditions (especially if diagnosed during the waiting period) and conditions related to breeding, pregnancy, or whelping are systematically excluded.
Coverage outside the US or Canada is highly limited, both in duration and scope, with some emergency restrictions.
Finally, there are strict requirements for up-to-date identification, such as microchipping, and lapses may void claims related to lost or unidentified pets.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions (diagnosed or symptomatic before start of coverage) - Bilateral condition exclusion (if already occurred on one side, excluded on the other) - Chronic conditions if signs appeared during waiting period - Dental disease unless due to accident - Cosmetic or elective procedures - Conditions related to breeding, pregnancy, or whelping - Congenital or hereditary disorders with prior signs or subject to waiting periods |
| Geographic exclusions | - Treatment outside US/Canada largely not covered - Emergency coverage abroad is restricted in duration (temporary travel only) - No coverage for repatriation or international quarantine |
| Identification/Administrative | - Claims may be denied if pet is not properly identified (e.g., microchipped) - Failure to maintain required documentation or vaccination schedules can void specific coverages |
| Behavioral/Training exclusions | - Costs related to training, behavioral therapies, or obedience classes not covered |
| Preventive care exclusions | - Preventive care only covered if specific add-on is purchased; otherwise, routine exams, vaccines, and parasite prevention are excluded |
- Bilateral condition exclusion (if already occurred on one side, excluded on the other)
- Chronic conditions if signs appeared during waiting period
- Dental disease unless due to accident
- Cosmetic or elective procedures
- Conditions related to breeding, pregnancy, or whelping
- Congenital or hereditary disorders with prior signs or subject to waiting periods
- Emergency coverage abroad is restricted in duration (temporary travel only)
- No coverage for repatriation or international quarantine
- Failure to maintain required documentation or vaccination schedules can void specific coverages
Costco prices
Overall, Costco offers a price positioning that is clearly competitive compared to major pet insurance providers. Its pricing leverages a fully digital and membership-driven model to keep administrative costs low, often resulting in lower premiums for equivalent coverage.
Coverage levels are generally standard but may be slightly limited on reimbursed amounts and wellness benefits when compared to premium competitors, which helps explain the attractive rates.
Deductibles and annual caps are in line with mid-market providers, making Costco suitable for pet owners seeking essential coverage without the extras that drive up costs elsewhere.
Costco’s insurance best suits value-driven members comfortable with digital channels, aiming for reliable coverage at a fair monthly rate without premium pricing for high reimbursements or luxury add-ons.
| Basic | Standard | Premium | |
|---|---|---|---|
| Young cat (2-4 yrs) | $18/mo | $26/mo | $33/mo |
| Senior cat (7-8 yrs) | $21/mo | $32/mo | $41/mo |
| Small breed dog | $26/mo | $36/mo | $46/mo |
| Small breed dog (2-4 yrs) | $24/mo | $34/mo | $44/mo |
| Large breed dog (2-4 yrs) | $29/mo | $41/mo | $54/mo |
| Senior dog (7-8 yrs) | $35/mo | $50/mo | $66/mo |
Compare multiple quotes to ensure you’re getting the most suitable coverage for your pet at the best price.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Costco promo codes
| Costco Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | 5% off your quote |
Note: Promo codes may change. For the latest promo codes, check our comparison of the best pet insurance.
How much will I be reimbursed with Costco?
| Treatment | Average Cost (US$) | Costco Insurance (90% reimbursement, highest plan) |
|---|---|---|
| Spay/Neuter | $300 | Reimbursed $270 (excluding deductible) Out-of-pocket: $30 (excluding deductible) |
| Annual Vaccinations | $100 | Reimbursed $90 (excluding deductible) Out-of-pocket: $10 (excluding deductible) |
| Dental Cleaning | $400 | Reimbursed $360 (excluding deductible) Out-of-pocket: $40 (excluding deductible) |
| Emergency Surgery | $2,000 | Reimbursed $1,800 (excluding deductible) Out-of-pocket: $200 (excluding deductible) |
| Fracture Treatment | $1,200 | Reimbursed $1,080 (excluding deductible) Out-of-pocket: $120 (excluding deductible) |
Out-of-pocket: $30 (excluding deductible)
Out-of-pocket: $10 (excluding deductible)
Out-of-pocket: $40 (excluding deductible)
Out-of-pocket: $200 (excluding deductible)
Out-of-pocket: $120 (excluding deductible)
Costco Assistance
Costco’s pet insurance assistance, underwritten by Figo, stands out for including a 24/7 live vet chat, providing immediate expert guidance for pet owners, which few competitors offer as standard.
However, Costco does not advance veterinary costs at point-of-care nor provide a specific payment facility for large bills, requiring out-of-pocket payments before reimbursement.
The absence of a proprietary mobile app means users depend on web access, which lacks the convenience and seamless experience delivered by leading insurers’ apps.
Costco doesn’t facilitate access to a network of partner clinics or preferred rates, which can limit cost savings and service options for policyholders.
International coverage is available for up to three months while traveling, but is not designed for extended stays or relocations outside the US.
| Assistance Costco | Disponible ? | Détails |
|---|---|---|
| Advance of funds | ❌ | No advance payment feature is available. Reimbursement is only after submitting a claim. |
| Payment facilities | ❌ | No specific installment or deferred payment plan is offered, payments are made upfront by the owner. |
| Mobile application | ❌ | No proprietary Costco or Figo app. Services are accessible through the website, which limits convenience. |
| Paperless claims processing | ✅ | Claims are submitted digitally via online portal. Processing is modern but lacks a dedicated mobile app experience. |
| Emergency veterinary services | ✅ | 24/7 live vet chat included. No direct emergency hotline or pet ambulance. |
| Veterinary and clinic partner network | ❌ | No network or preferred clinics, policyholders choose any licensed vet but no negotiated rates. |
| International coverage | ✅ | Coverage for up to 3 months abroad for travel. Not applicable for long-term residency outside the US. |
Reimbursement is only after submitting a claim.
Services are accessible through the website, which limits convenience.
Processing is modern but lacks a dedicated mobile app experience.
No direct emergency hotline or pet ambulance.
Not applicable for long-term residency outside the US.
Customer feedback on Costco
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | 4.0/5 based on ~1,200 reviews |
| ConsumerAffairs | 3.8/5 based on ~600 reviews |
| Yelp | 3.5/5 based on ~250 reviews |
We analyzed reviews from the sites listed above. On the positive side, customers who have subscribed to Costco pet insurance commonly highlight:
- The value for money: many pet owners appreciate the competitive pricing and large member discounts available only to Costco members.
- The ease of the claims process: filing and tracking claims online is often described as efficient and user-friendly.
- The clarity of policy information: policy terms and coverage details are considered clear and well explained at enrollment.
- The fast reimbursement: a large number of clients mention timely payments, with funds deposited within a reasonable timeframe.
- The comprehensive coverage options: some clients praise the range of plans available, including accident, illness, and wellness coverage.
On the negative side:
- The limited direct customer service: some clients report difficulties reaching a representative or long wait times on the phone.
- The exclusions and denied claims: several policyholders express disappointment about certain conditions or treatments not being covered as expected.
- The rising premiums: many negative reviews mention noticeable increases in premium costs after claims or as their pets age.
- The reimbursement limits: a few customers find that the annual or per-condition maximums are lower than anticipated in cases of serious illness.
- The lack of proactive communication: some clients wish for clearer, more frequent updates regarding their claims status or policy changes.
How can I contact Costco?
| Costco Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Log in to your Costco account online and navigate to the pet insurance section to submit your refund request. Provide the claim form, relevant invoices, and your bank details. Reimbursements are usually processed via bank transfer within 10 to 15 business days. For questions, call 1-800-607-6861 or email [email protected]. |
| To obtain a certificate of insurance | You can download your insurance certificate directly from your online account. If needed, contact customer service at 1-800-607-6861 or [email protected] to receive it by email or mail. |
| To contact assistance | For emergency help, call Costco customer service at 1-800-607-6861 (Monday to Friday, 9am to 6pm). Alternatively, email [email protected] for non-urgent inquiries. |
| To cancel my contract | Send a written request to cancel your policy by email to [email protected] or by mail to: Costco Customer Service, P.O. Box 34331, Seattle, WA 98124-1531, USA. Attach your policy number and a copy of your ID. Standard notice period is 30 days. You’ll receive confirmation once your request is processed. |
Provide the claim form, relevant invoices, and your bank details.
Reimbursements are usually processed via bank transfer within 10 to 15 business days.
For questions, call 1-800-607-6861 or email [email protected].
If needed, contact customer service at 1-800-607-6861 or [email protected] to receive it by email or mail.
Alternatively, email [email protected] for non-urgent inquiries.
Attach your policy number and a copy of your ID.
Standard notice period is 30 days.
You’ll receive confirmation once your request is processed.
FAQ
Do I need to pay upfront for veterinary costs with Costco?
Costco pet insurance, provided through Figo in the US, does not offer a direct pay or third-party payment system like Payvet. You need to pay your veterinarian upfront for all services and treatments, then submit a claim to Costco's insurance provider for reimbursement according to your policy terms.
How do I cancel my Costco pet insurance policy?
To cancel your Costco pet insurance policy, you should contact Figo customer service directly by phone, email, or through your online account. There is no long-term commitment, and you can cancel anytime, but it’s recommended to provide notice before your next billing cycle. Usually, no specific documents are needed except your personal and policy details.
What types of pets are covered by Costco pet insurance?
Costco pet insurance is available for dogs and cats. The policy does not cover exotic pets, birds, or other animal types. Each insured pet must have its own policy, and coverage options vary depending on the age, breed, and health of your dog or cat.
What does Costco pet insurance typically cover?
Costco pet insurance plans generally cover accidents, illnesses, surgeries, emergency care, prescription medications, and diagnostic tests. Preventive care (like vaccines or dental cleanings) is usually available as an optional add-on. Coverage limits, deductibles, and exclusions apply per your individual plan.
Are pre-existing conditions covered by Costco pet insurance?
No, pre-existing conditions are not covered by Costco pet insurance. These are illnesses or injuries that occurred or showed symptoms before your policy's start date or during the waiting period. It's important to enroll your pet while they are healthy to maximize eligibility for coverage.
Do I need to pay upfront for veterinary costs with Costco?
Costco pet insurance, provided through Figo in the US, does not offer a direct pay or third-party payment system like Payvet. You need to pay your veterinarian upfront for all services and treatments, then submit a claim to Costco's insurance provider for reimbursement according to your policy terms.
How do I cancel my Costco pet insurance policy?
To cancel your Costco pet insurance policy, you should contact Figo customer service directly by phone, email, or through your online account. There is no long-term commitment, and you can cancel anytime, but it’s recommended to provide notice before your next billing cycle. Usually, no specific documents are needed except your personal and policy details.
What types of pets are covered by Costco pet insurance?
Costco pet insurance is available for dogs and cats. The policy does not cover exotic pets, birds, or other animal types. Each insured pet must have its own policy, and coverage options vary depending on the age, breed, and health of your dog or cat.
What does Costco pet insurance typically cover?
Costco pet insurance plans generally cover accidents, illnesses, surgeries, emergency care, prescription medications, and diagnostic tests. Preventive care (like vaccines or dental cleanings) is usually available as an optional add-on. Coverage limits, deductibles, and exclusions apply per your individual plan.
Are pre-existing conditions covered by Costco pet insurance?
No, pre-existing conditions are not covered by Costco pet insurance. These are illnesses or injuries that occurred or showed symptoms before your policy's start date or during the waiting period. It's important to enroll your pet while they are healthy to maximize eligibility for coverage.
