Costco members can use their benefits to get big discounts on premium pet insurance but what if you are not a Costco member? Is this the best choice for you and your pet or should you check with competitor companies to see if you can get a better price elsewhere?
Compare Top Pet Insurance Companies Side-by-Side
Use Pawlicy Advisor to get personalized quotes from leading brands and see how each plan stacks up — instantly.
100% free to use. No fees. No commitment.
Read on to learn about Costco Pet Insurance plans, prices, and more so that you can make the best choice for your pet and your family budget.
Table of Contents
- Does Costco offer pet insurance?
- Costco Pet Insurance reviewAvailable plans
- Exclusions
- Pricing
- Discounts
- Claims and reimbursement times
- What we like about this coverage
- What could be improved
- Is Costco Pet Insurance worth it?
- Choosing the best pet insurance
Does Costco offer pet insurance?
As of August 2021, Costco — a chain of membership-only discount stores — began offering its members exclusive savings on pet insurance plans. The warehouse club’s latest perk is made available by Figo Pet Insurance, a pet insurance company founded in 2013 whose plans are covered by Independence American Insurance Company.
With this new partnership, Costco entered the pet insurance marketplace, joined other brands known for member-exclusive savings, such as USAA.
Costco Pet Insurance review
Available plans
Costco offers standard Accident & Illness coverage through Figo Pet Insurance. Customers can choose from three plans with different annual limits:
- Essential - $5,000 annual limit
- Preferred - $10,000 annual limit
- Unlimited - no maximum amount for annual benefit coverage
From there, they can customize their policies by choosing from three reimbursement rates (70%, 80%, or 90%) and four deduction options ($100, $250, $500, or $750 per year).
Customers can get coverage for a range of services and conditions, including hip dysplasia, knee conditions like ACL, cancer treatments, chronic conditions, congenital and hereditary conditions, surgeries, hospitalization, prescription medications, emergency services, veterinary specialists treatments, behavioral issues, imaging, laboratory and diagnostic testing, orthotic and prosthetic devices, acupuncture and chiropractic therapies, euthanasia, cremation, and more.
Costco doesn’t cover vet consultation or exam fees related to covered conditions but it does offer a Veterinary Exam Fees rider. However, it should be noted that this policy rider will only cover exam fees related to accidents and injuries, not preventative, wellness, and routine visits.
Additionally, Costco offers a pet wellness plan which provides coverage for vaccines, annual exams, neuter/spay, dental care, etc.
Customers can file an illness claim 14 days after enrollment and an accident claim just one day after enrollment. The company has also introduced an Orthopedic Conditions waiver that you can get upon request that eliminates the six-month waiting period for orthopedic conditions.
Exclusions
Like most pet insurance companies, Costco doesn’t cover pre-existing conditions, as well as neutering/spaying, breeding, pregnancy, cosmetic surgeries, experimental procedures, and cloning procedures.
Pricing
As mentioned before, Costco offers three Accident and Illness policies with set annual limits through Figo and customers have an option to customize their reimbursement by
Customers can choose to pay their premiums on a monthly or annual basis, and for each year they go without making a claim, the company will reduce the annual deductible by $50 whenever they decide to renew their policy.
As with most pet insurance companies, the price of your policy will depend on your pet’s age, breed, and location, as well as the coverage you select.
Discounts
Costco Business and Gold Star members get a 15% discount on pet insurance rates. Executive members enjoy the same savings, plus the first month of premiums and $15 enrollment fee waived.
Claims and reimbursement times
Costco customers can easily submit pet insurance claims through the Figo app, or by web, email, snail mail, or fax. Claims are processed online or via Figo’s app, as well as through email, phone, snail mail, or fax. The company usually takes between two and 10 days to process claims.
What we like about this coverage
- One of the greatest advantages of buying pet insurance through Costco is the 15% discount available for its members.
- The waiting periods are somewhat shorter than those of other pet insurers. Just to compare, Pumpkin Pet Insurance has a 14-day waiting period for all conditions, including illnesses and accidents, whereas Healthy Paws Pet Insurance requires customers to wait 15 days before submitting any claim.
- Some providers do not offer pet insurance for older pets, but there is no maximum enrollment age for Costco’s plans.
- Costco pet insurance policyholders will get access to Figo’s Pet Cloud app that allows them to file claims, search for other pet parents, share photos, find dog walkers, and get 24/7 access to a licensed vet for expert advice.
- The company has a 30-day money-back guarantee, which means that if you decide that the policy isn’t for you, your money will be refunded within 30 days as long as you haven’t made a claim.
What could be improved
- Exam fees are not included. Costco has optional coverage that covers vet exam fees related to a covered injury or accident.
- There is also no Accident-Only policy, which is offered by most other pet insurance providers.
Is Costco Pet Insurance worth it?
Not sure if Costco's pet insurance is worth it? Their plans could be a good option for existing members due to the discounts, the 24/7 hotline, and the complimentary concierge support you will receive. However, membership costs for the warehouse club can be expensive and if you are not a member, you are ineligible for their exclusive pet insurance policies.
How to choose the best pet insurance
When choosing what type of insurance coverage would be best for your pet, owners need to take into consideration a number of factors, including their pet’s breed, age, previous medical issues their pet might have, as well as their financial situation. Sounds overwhelming, but fortunately, you don’t have to do everything yourself.
To help you make an informed decision, Pawlicy Advisor has created a series of pet insurance reviews that highlight the pros and cons of each pet insurance company and the most important details to consider when comparing different pet insurance policies. You can also make use of our pet insurance comparison charts to see how each company stacks up side-by-side.
Get expert guidance to find the best pet insurance for your best friend.
Why You Can Trust Us
Unlike other platforms, Pawlicy Advisor provides objective, unbiased, data-driven advice. We also offer personalized plan recommendations based on breed-specific attributes and total cost predictions for the lifetime of your pet. See your recommended plan.
Coverage Options
Annual Deductible:
$100, $250, $500 and $750
Reimbursement Rate:
70%, 80%, 90%, 100%
Annual Coverage Limit:
$5,000, $10,000, unlimited
Costco is a global retailer and members-only wholesale company with warehouse club operations in eight countries. In 2021, the superstore introduced Costco Pet Insurance, a white-labeled product underwritten by Independence American Insurance Company (IAIC) and administered by Figo.
Costco members can enjoy exclusive pet insurance discounts, with 15% off premium rates for Gold Star and Business Members. Executive members can also have Figo’s $15 enrollment fee waived.
Pros
- Customizable policy terms
- Average time for claim reimbursement is faster than some competitors
- Access to Figo Pet Cloud
- No lifetime limit on claim payouts
- Optional unlimited annual payout limit
- Covers a wide range of treatment options
- 15% discount for Costco members
Cons
- No accident-only coverage option
- Doesn’t cover some conditions that other plans do
Costco Pet Insurance is available in three different tiers through Figo: Popular, Higher Coverage, and Value Plus. However, you aren’t restricted to one of Figo’s pre-made insurance packages; you can customize your pet’s annual coverage, deductible, and reimbursement rate as you see fit.
What's Covered
- Accidents and illnesses
- Breed-specific conditions
- Congenital conditions
- Chronic conditions
- Orthopedic conditions
- Cancer
- Diagnostic exam fees
- Prescription medications and diets for covered conditions
- Alternative therapies
- Holistic care
- Dental injuries
- Prescription medication
- Behavioral modification (up to $500 per policy term)
- Euthanasia & end-of-life care
Optional Add-On: Routine Care
What's Not Covered
- Therapeutic diets
- Obedience training
- Lost pet advertising and reward
- Canceled vacation fee reimbursement
- Boarding fees due to owner hospitalization
- Microchipping
- Grooming
- Breeding and whelping costs
- Fecal exams (available with wellness plan)
- Cosmetic or elective procedures
- Bilateral conditions
Costco Wellness Plans
Figo Pet Insurance is available at Costco in three different tiers: Popular, Higher Coverage, and Value Plus. However, you aren’t restricted to one of Figo’s pre-made insurance packages; you can customize your pet’s annual coverage, deductible, and reimbursement rate as you see fit.
Waiting Periods
When you sign up for pet insurance, there is a mandatory waiting period before your coverage becomes effective and you become eligible for claim reimbursement. These waiting periods vary by insurance provider.
The timeframe for Costco Pet Insurance waiting periods depends on the type of incident you need coverage for:
- Accidents: 1-3 days
- Illnesses: 14 days
- Orthopedic conditions (including hip dysplasia, luxating patella, and Intervertebral Disc Disease): 6 months
- Cruciate ligament injuries: 6 months
- Wellness: 0 days
Find the pet insurance plan that fits YOUR needs
How it Works
Figo Pet Insurance is available in three different tiers: Popular, Higher Coverage, and Value Plus. However, you aren’t restricted to one of Figo’s pre-made insurance packages; you can customize your pet’s annual coverage, deductible, and reimbursement rate as you see fit.
1. Visit any licensed vet, specialist, or emergency hospital you'd like with no network restrictions.
2. Pay for the veterinary services provided during your visit upfront at the time of your appointment.
3. File a Spot Pet Insurance claim through the app or website and upload the requested documents.
4. Get reimbursed for a percentage of eligible veterinary expenses based on your selected coverage.
LEARN MORE : Pet Insurance & How It Works: A Pet Parent's Guide
How to File a Costco Pet Insurance Claim
- Window to file: within 180 days of the date of service
- Filing requirements: a list of all vets your pet has been seen by, medical records, paid invoice
- Average claim reimbursement: most claims are processed within 7 days
- Reimbursement methods: check or direct deposit
Costco Pet Insurance Cost
Cost estimates for Figo Pet Insurance through Costco are based on a sample policy featuring a $500 deductible, a 90% reimbursement rate, and a $10,000 annual coverage limit generated for pets living in Dallas, TX. Keep in mind that, if you’re a Costco member, you could be eligible for a 15% discount.
Lowest price for dogs:
$45 / mo
Lowest Price for cats:
$45 / mo
Sample Prices
To illustrate how the cost of pet insurance ranges, we generated sample quotes for a policy featuring a $500 deductible, a 90% reimbursement rate, and an unlimited annual coverage limit on behalf of pets living in Dallas, Texas.
Breed of Pet | 6 Months Old | 3 Years Old | 10 Years Old |
|---|---|---|---|
French Bulldog | $77.91 | $74.75 | $294.61 |
Labrador Retriever | $54.61 | $52.40 | $206.49 |
Domestic Shorthair Cat | $23.40 | $20.17 | $70.29 |
Pawlicy Advisor Tip: All pet insurance policies are subject to price increases annually. Pawlicy Advisor crunches the numbers to calculate the lifetime price of a policy, then makes recommendations that will save you money over your pet's lifetime.
Costco Pet Insurance Customer Service
Monday - Friday: 7:00 AM to 7:00 PM CT
Saturday: 8:00 AM to 6:00 PM CT
Chat Support: 24/7/365
Phone Number
Costco: 1-800-774-2678
Figo: 1-844-738-3446
Email: support@figopetinsurance.com
Enrollment Requirements
- Minimum age at enrollment : 8 weeks
- Maximum age for enrollment: No upper age limit
- Medical Review : required at enrollment
- If you are renewing a policy for a dog that is 8 years or older, or for a cat that is 10 years or older, Figo will ask that you follow your veterinarian’s advice regarding senior wellness testing.
- Valid United States address : Your pet must reside with you at the primary address you provide to the insurance provider
Cancellation Policy
Here are the instructions on how to cancel Costco Pet Insurance:
“You may cancel your policy at any time by emailing us at support@figopetinsurance.com. All cancellations of your insurance policy must be made in writing.
If you cancel your insurance policy during the first 30 days of your policy period, you will receive a full refund of the premium amount, provided that you have not submitted a claim. If you cancel your insurance policy after the first 30-day period or have submitted a claim, your policy will be cancelled effective the date of your written request, and you will be refunded a pro-rata amount of your paid premium subject to any applicable state rules or regulations."
Note: The 30-day Free Look period is not available in the Commonwealth of Pennsylvania.
Expert Insights
Is Costco Pet Insurance worth it?
"Costco Pet Insurance through Figo offers significant advantages, such as customizable policy terms, the option to cover exam fees, and two wellness plan options. That means you can tailor your coverage according to your pets' needs and your budget. The average time for claim reimbursement is fast compared to some competitors, and Figo Pet Insurance provides a level of coverage that is comparable to its competitors.
The 15% discount for Costco Members also presents a unique savings opportunity. Costco customers with pets should consider going with Figo before considering other options on the market.
However, the lack of an accident-only coverage option might be a drawback for those seeking more basic or economical insurance coverage. Figo’s monthly premiums have a higher starting cost than other pet insurance providers and can become expensive for certain breeds as they age."
Costco Pet Insurance Reviews
4.0
1,926 Consumer Reviews
Customers appreciate Figo Pet Insurance for its exceptional customer service. They say Figo's customer service reps are friendly, knowledgeable, and efficient at solving problems.
Some customers praise the claims process because they find it very clear and straightforward. Additionally, customers say the claims process is fast, and they have been satisfied with the amount of coverage their insurance offers.
However, some customers complain that they were denied coverage for reasons that aren't clear to them. Others say they've run into issues when submitting paperwork to Figo, which led to their claims being denied.
Essential for covering my young dog’s disease
“I never needed insurance with my first dog but it has been essential in affording care for my new dog who was diagnosed with Inflammatory Bowel Disease around 8 months after I adopted him and has a lot of tests and specialist vet visits. Figo is fast and transparent and covered over $5000 in the first year. I hope they will continue to be this good as I work to get an effective treatment for my dog's weight loss.”
Bittersweet
“The claims are processed quickly, but many things are not covered. It is affordable, but ultimately not great if you're looking for a broad net of coverage. Also, there is a 14-day probation period when you first sign up, so do not schedule a vet appointment during this time... they'll say any findings were "pre-existing".”
Is Costco Pet Pet Insurance right for you?
Compare plans and pricing from the top providers
Make sure your pet gets the best care possible
More From Pawlicy Advisor
- Is Pet Insurance Worth It? Here's a Vet’s Perspective
- Learn How To Compare & Find the Right Pet Insurance For Your Furry Family Members
- Have More Than One Pet? Save on Pet Insurance with Multi-Pet Discounts
- When Is Pet Insurance a Great Decision?
- Everything You Need to Know About Filing a Pet Insurance Claim
We are the pet insurance experts. The Pawlicy Advisor team analyzes the top pet insurance companies and the fine print in their policy details to provide you with an objective breakdown of the insurance provider, the plans they offer, and how they compare.
Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. When she's not helping pet owners find the perfect plan on Pawlicy Advisor , she runs a ranch in Oregon and rehabilitates any animals that come across her path.
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Figo Pet Insurance Review 2023
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MetLife Pet Insurance Review 2023
Costco members can use their benefits to get big discounts on premium pet insurance but what if you are not a Costco member? Is this the best choice for you and your pet or should you check with competitor companies to see if you can get a better price elsewhere?
Compare Top Pet Insurance Companies Side-by-Side
Use Pawlicy Advisor to get personalized quotes from leading brands and see how each plan stacks up — instantly.
100% free to use. No fees. No commitment.
Read on to learn about Costco Pet Insurance plans, prices, and more so that you can make the best choice for your pet and your family budget.
Table of Contents
- Does Costco offer pet insurance?
- Costco Pet Insurance reviewAvailable plans
- Exclusions
- Pricing
- Discounts
- Claims and reimbursement times
- What we like about this coverage
- What could be improved
- Is Costco Pet Insurance worth it?
- Choosing the best pet insurance
Does Costco offer pet insurance?
As of August 2021, Costco — a chain of membership-only discount stores — began offering its members exclusive savings on pet insurance plans. The warehouse club’s latest perk is made available by Figo Pet Insurance, a pet insurance company founded in 2013 whose plans are covered by Independence American Insurance Company.
With this new partnership, Costco entered the pet insurance marketplace, joined other brands known for member-exclusive savings, such as USAA.
Costco Pet Insurance review
Available plans
Costco offers standard Accident & Illness coverage through Figo Pet Insurance. Customers can choose from three plans with different annual limits:
- Essential - $5,000 annual limit
- Preferred - $10,000 annual limit
- Unlimited - no maximum amount for annual benefit coverage
From there, they can customize their policies by choosing from three reimbursement rates (70%, 80%, or 90%) and four deduction options ($100, $250, $500, or $750 per year).
Customers can get coverage for a range of services and conditions, including hip dysplasia, knee conditions like ACL, cancer treatments, chronic conditions, congenital and hereditary conditions, surgeries, hospitalization, prescription medications, emergency services, veterinary specialists treatments, behavioral issues, imaging, laboratory and diagnostic testing, orthotic and prosthetic devices, acupuncture and chiropractic therapies, euthanasia, cremation, and more.
Costco doesn’t cover vet consultation or exam fees related to covered conditions but it does offer a Veterinary Exam Fees rider. However, it should be noted that this policy rider will only cover exam fees related to accidents and injuries, not preventative, wellness, and routine visits.
Additionally, Costco offers a pet wellness plan which provides coverage for vaccines, annual exams, neuter/spay, dental care, etc.
Customers can file an illness claim 14 days after enrollment and an accident claim just one day after enrollment. The company has also introduced an Orthopedic Conditions waiver that you can get upon request that eliminates the six-month waiting period for orthopedic conditions.
Exclusions
Like most pet insurance companies, Costco doesn’t cover pre-existing conditions, as well as neutering/spaying, breeding, pregnancy, cosmetic surgeries, experimental procedures, and cloning procedures.
Pricing
As mentioned before, Costco offers three Accident and Illness policies with set annual limits through Figo and customers have an option to customize their reimbursement by
Customers can choose to pay their premiums on a monthly or annual basis, and for each year they go without making a claim, the company will reduce the annual deductible by $50 whenever they decide to renew their policy.
As with most pet insurance companies, the price of your policy will depend on your pet’s age, breed, and location, as well as the coverage you select.
Discounts
Costco Business and Gold Star members get a 15% discount on pet insurance rates. Executive members enjoy the same savings, plus the first month of premiums and $15 enrollment fee waived.
Claims and reimbursement times
Costco customers can easily submit pet insurance claims through the Figo app, or by web, email, snail mail, or fax. Claims are processed online or via Figo’s app, as well as through email, phone, snail mail, or fax. The company usually takes between two and 10 days to process claims.
What we like about this coverage
- One of the greatest advantages of buying pet insurance through Costco is the 15% discount available for its members.
- The waiting periods are somewhat shorter than those of other pet insurers. Just to compare, Pumpkin Pet Insurance has a 14-day waiting period for all conditions, including illnesses and accidents, whereas Healthy Paws Pet Insurance requires customers to wait 15 days before submitting any claim.
- Some providers do not offer pet insurance for older pets, but there is no maximum enrollment age for Costco’s plans.
- Costco pet insurance policyholders will get access to Figo’s Pet Cloud app that allows them to file claims, search for other pet parents, share photos, find dog walkers, and get 24/7 access to a licensed vet for expert advice.
- The company has a 30-day money-back guarantee, which means that if you decide that the policy isn’t for you, your money will be refunded within 30 days as long as you haven’t made a claim.
What could be improved
- Exam fees are not included. Costco has optional coverage that covers vet exam fees related to a covered injury or accident.
- There is also no Accident-Only policy, which is offered by most other pet insurance providers.
Is Costco Pet Insurance worth it?
Not sure if Costco's pet insurance is worth it? Their plans could be a good option for existing members due to the discounts, the 24/7 hotline, and the complimentary concierge support you will receive. However, membership costs for the warehouse club can be expensive and if you are not a member, you are ineligible for their exclusive pet insurance policies.
How to choose the best pet insurance
When choosing what type of insurance coverage would be best for your pet, owners need to take into consideration a number of factors, including their pet’s breed, age, previous medical issues their pet might have, as well as their financial situation. Sounds overwhelming, but fortunately, you don’t have to do everything yourself.
To help you make an informed decision, Pawlicy Advisor has created a series of pet insurance reviews that highlight the pros and cons of each pet insurance company and the most important details to consider when comparing different pet insurance policies. You can also make use of our pet insurance comparison charts to see how each company stacks up side-by-side.
Get expert guidance to find the best pet insurance for your best friend.
Why You Can Trust Us
Unlike other platforms, Pawlicy Advisor provides objective, unbiased, data-driven advice. We also offer personalized plan recommendations based on breed-specific attributes and total cost predictions for the lifetime of your pet. See your recommended plan.
Coverage Options
Annual Deductible:
$100, $250, $500 and $750
Reimbursement Rate:
70%, 80%, 90%, 100%
Annual Coverage Limit:
$5,000, $10,000, unlimited
Costco is a global retailer and members-only wholesale company with warehouse club operations in eight countries. In 2021, the superstore introduced Costco Pet Insurance, a white-labeled product underwritten by Independence American Insurance Company (IAIC) and administered by Figo.
Costco members can enjoy exclusive pet insurance discounts, with 15% off premium rates for Gold Star and Business Members. Executive members can also have Figo’s $15 enrollment fee waived.
Pros
- Customizable policy terms
- Average time for claim reimbursement is faster than some competitors
- Access to Figo Pet Cloud
- No lifetime limit on claim payouts
- Optional unlimited annual payout limit
- Covers a wide range of treatment options
- 15% discount for Costco members
Cons
- No accident-only coverage option
- Doesn’t cover some conditions that other plans do
Costco Pet Insurance is available in three different tiers through Figo: Popular, Higher Coverage, and Value Plus. However, you aren’t restricted to one of Figo’s pre-made insurance packages; you can customize your pet’s annual coverage, deductible, and reimbursement rate as you see fit.
What's Covered
- Accidents and illnesses
- Breed-specific conditions
- Congenital conditions
- Chronic conditions
- Orthopedic conditions
- Cancer
- Diagnostic exam fees
- Prescription medications and diets for covered conditions
- Alternative therapies
- Holistic care
- Dental injuries
- Prescription medication
- Behavioral modification (up to $500 per policy term)
- Euthanasia & end-of-life care
Optional Add-On: Routine Care
What's Not Covered
- Therapeutic diets
- Obedience training
- Lost pet advertising and reward
- Canceled vacation fee reimbursement
- Boarding fees due to owner hospitalization
- Microchipping
- Grooming
- Breeding and whelping costs
- Fecal exams (available with wellness plan)
- Cosmetic or elective procedures
- Bilateral conditions
Costco Wellness Plans
Figo Pet Insurance is available at Costco in three different tiers: Popular, Higher Coverage, and Value Plus. However, you aren’t restricted to one of Figo’s pre-made insurance packages; you can customize your pet’s annual coverage, deductible, and reimbursement rate as you see fit.
Waiting Periods
When you sign up for pet insurance, there is a mandatory waiting period before your coverage becomes effective and you become eligible for claim reimbursement. These waiting periods vary by insurance provider.
The timeframe for Costco Pet Insurance waiting periods depends on the type of incident you need coverage for:
- Accidents: 1-3 days
- Illnesses: 14 days
- Orthopedic conditions (including hip dysplasia, luxating patella, and Intervertebral Disc Disease): 6 months
- Cruciate ligament injuries: 6 months
- Wellness: 0 days
Find the pet insurance plan that fits YOUR needs
How it Works
Figo Pet Insurance is available in three different tiers: Popular, Higher Coverage, and Value Plus. However, you aren’t restricted to one of Figo’s pre-made insurance packages; you can customize your pet’s annual coverage, deductible, and reimbursement rate as you see fit.
1. Visit any licensed vet, specialist, or emergency hospital you'd like with no network restrictions.
2. Pay for the veterinary services provided during your visit upfront at the time of your appointment.
3. File a Spot Pet Insurance claim through the app or website and upload the requested documents.
4. Get reimbursed for a percentage of eligible veterinary expenses based on your selected coverage.
LEARN MORE : Pet Insurance & How It Works: A Pet Parent's Guide
How to File a Costco Pet Insurance Claim
- Window to file: within 180 days of the date of service
- Filing requirements: a list of all vets your pet has been seen by, medical records, paid invoice
- Average claim reimbursement: most claims are processed within 7 days
- Reimbursement methods: check or direct deposit
Costco Pet Insurance Cost
Cost estimates for Figo Pet Insurance through Costco are based on a sample policy featuring a $500 deductible, a 90% reimbursement rate, and a $10,000 annual coverage limit generated for pets living in Dallas, TX. Keep in mind that, if you’re a Costco member, you could be eligible for a 15% discount.
Lowest price for dogs:
$45 / mo
Lowest Price for cats:
$45 / mo
Sample Prices
To illustrate how the cost of pet insurance ranges, we generated sample quotes for a policy featuring a $500 deductible, a 90% reimbursement rate, and an unlimited annual coverage limit on behalf of pets living in Dallas, Texas.
Breed of Pet | 6 Months Old | 3 Years Old | 10 Years Old |
|---|---|---|---|
French Bulldog | $77.91 | $74.75 | $294.61 |
Labrador Retriever | $54.61 | $52.40 | $206.49 |
Domestic Shorthair Cat | $23.40 | $20.17 | $70.29 |
Pawlicy Advisor Tip: All pet insurance policies are subject to price increases annually. Pawlicy Advisor crunches the numbers to calculate the lifetime price of a policy, then makes recommendations that will save you money over your pet's lifetime.
Costco Pet Insurance Customer Service
Monday - Friday: 7:00 AM to 7:00 PM CT
Saturday: 8:00 AM to 6:00 PM CT
Chat Support: 24/7/365
Phone Number
Costco: 1-800-774-2678
Figo: 1-844-738-3446
Email: support@figopetinsurance.com
Enrollment Requirements
- Minimum age at enrollment : 8 weeks
- Maximum age for enrollment: No upper age limit
- Medical Review : required at enrollment
- If you are renewing a policy for a dog that is 8 years or older, or for a cat that is 10 years or older, Figo will ask that you follow your veterinarian’s advice regarding senior wellness testing.
- Valid United States address : Your pet must reside with you at the primary address you provide to the insurance provider
Cancellation Policy
Here are the instructions on how to cancel Costco Pet Insurance:
“You may cancel your policy at any time by emailing us at support@figopetinsurance.com. All cancellations of your insurance policy must be made in writing.
If you cancel your insurance policy during the first 30 days of your policy period, you will receive a full refund of the premium amount, provided that you have not submitted a claim. If you cancel your insurance policy after the first 30-day period or have submitted a claim, your policy will be cancelled effective the date of your written request, and you will be refunded a pro-rata amount of your paid premium subject to any applicable state rules or regulations."
Note: The 30-day Free Look period is not available in the Commonwealth of Pennsylvania.
Expert Insights
Is Costco Pet Insurance worth it?
"Costco Pet Insurance through Figo offers significant advantages, such as customizable policy terms, the option to cover exam fees, and two wellness plan options. That means you can tailor your coverage according to your pets' needs and your budget. The average time for claim reimbursement is fast compared to some competitors, and Figo Pet Insurance provides a level of coverage that is comparable to its competitors.
The 15% discount for Costco Members also presents a unique savings opportunity. Costco customers with pets should consider going with Figo before considering other options on the market.
However, the lack of an accident-only coverage option might be a drawback for those seeking more basic or economical insurance coverage. Figo’s monthly premiums have a higher starting cost than other pet insurance providers and can become expensive for certain breeds as they age."
Costco Pet Insurance Reviews
4.0
1,926 Consumer Reviews
Customers appreciate Figo Pet Insurance for its exceptional customer service. They say Figo's customer service reps are friendly, knowledgeable, and efficient at solving problems.
Some customers praise the claims process because they find it very clear and straightforward. Additionally, customers say the claims process is fast, and they have been satisfied with the amount of coverage their insurance offers.
However, some customers complain that they were denied coverage for reasons that aren't clear to them. Others say they've run into issues when submitting paperwork to Figo, which led to their claims being denied.
Essential for covering my young dog’s disease
“I never needed insurance with my first dog but it has been essential in affording care for my new dog who was diagnosed with Inflammatory Bowel Disease around 8 months after I adopted him and has a lot of tests and specialist vet visits. Figo is fast and transparent and covered over $5000 in the first year. I hope they will continue to be this good as I work to get an effective treatment for my dog's weight loss.”
Bittersweet
“The claims are processed quickly, but many things are not covered. It is affordable, but ultimately not great if you're looking for a broad net of coverage. Also, there is a 14-day probation period when you first sign up, so do not schedule a vet appointment during this time... they'll say any findings were "pre-existing".”
Is Costco Pet Pet Insurance right for you?
Compare plans and pricing from the top providers
Make sure your pet gets the best care possible
More From Pawlicy Advisor
- Is Pet Insurance Worth It? Here's a Vet’s Perspective
- Learn How To Compare & Find the Right Pet Insurance For Your Furry Family Members
- Have More Than One Pet? Save on Pet Insurance with Multi-Pet Discounts
- When Is Pet Insurance a Great Decision?
- Everything You Need to Know About Filing a Pet Insurance Claim
We are the pet insurance experts. The Pawlicy Advisor team analyzes the top pet insurance companies and the fine print in their policy details to provide you with an objective breakdown of the insurance provider, the plans they offer, and how they compare.
Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. When she's not helping pet owners find the perfect plan on Pawlicy Advisor , she runs a ranch in Oregon and rehabilitates any animals that come across her path.
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ASPCA Pet Insurance Review 2023
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Figo Pet Insurance Review 2023
PET INSURANCE REVIEWS
Pet’s Best Pet Insurance Review 2023
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MetLife Pet Insurance Review 2023
