Costco is a significant wholesale club exclusive to members that teamed with Figo Pet Insurance to provide Costco members with a 15% discount on pet coverage. Based on our objective evaluation system, Figo received 4.6 out of 5 stars. Costco members can benefit from the company’s coverage and service by purchasing a Figo plan that includes Costco’s advantages.
Figo is a Chicago-based pet insurance company, which offers transparent policies, quick claims processing, excellent customer service, and affordable coverage. The same advantages as other Figo policyholders are available to Costco members who purchase pet insurance, but at a discounted rate. To provide pet owners who are also Costco members with information regarding coverage, prices, and other details, this article reviews Costco’s pet insurance plans.
Costco Pet Insurance
Accident and sickness coverage is available through Costco’s pet insurance program via Figo. Costco offers a variety of plans compared to accident-only insurance but does not provide sole coverage for accidents.
Pet illness and accident insurance
Figo’s pet insurance for Costco includes coverage for both diseases and accidents, including:
- Chronic illnesses like allergies.
- Dental diseases and injuries.
- Hospitalizations and emergencies.
- Congenital and hereditary disorders.
- Dysplasia of the hips.
- Visualization.
- Knee circumstances.
- Prescription drugs.
- Orthopedics and prosthetics.
- Procedures.
- Veterinarian experts.
Extra powerups
You might be able to add a few optional Powerups to your accident and illness insurance, depending on where you reside. You may be reimbursed by the wellness Powerup for:
- Yearly examinations.
- Immunizations.
- Standard testing.
- Surgery to neuter or spay.
- Teeth cleaning.
- Health certificates or microchipping.
- Deworming.
In addition to covering ill exam costs, the Veterinary Exam Fees Powerup contributes up to $250 in prescription food per coverage period. For a covered sickness, the meal must be the only course of treatment.
What Costco Pet Insurance Doesn’t Cover
There are several things that a Costco pet insurance plan from Figo doesn’t cover, despite providing extensive coverage. These are usual exclusions from other pet insurance policies as well:
- Neutering or spaying.
- Experimental techniques.
- Cosmetic procedures like ear docking.
- Cloning techniques or cloned animals.
- Previous health issues.
- Pregnancy, procreation, or childbirth.
How Much Does Costco Pet Insurance Cost
Costco pet insurance through Figo averages $38 per month. That includes a $250 deductible, $5,000 in yearly coverage, and an 80% reimbursement level. With unlimited coverage, a $250 deductible, and an 80% reimbursement level, the average monthly cost is $59 for insurance.
Who Should Get Costco Pet Insurance
According to the Costco website, pet owners who are already members of the big-box retailer may find that purchasing pet coverage through Figo offers a 15% premium discount. Since Figo does not place age restrictions on dogs or cats, it might also be something to think about if you are looking to insure an older pet. The company offers shorter waiting times for illnesses and injuries compared to its competitors, with waiting times being 1 and 14 days, respectively.
How to Save Money on Costco Pet Insurance
Members of Costco are eligible for a discount on pet coverage through Figo. Pet insurance is discounted by 15% for Gold Star and Business members, and waived for Executive and Business Executive members. Additionally, there is a $15 signup fee waived. If you cover many dogs or cats, Figo will give you a 5% multi-pet discount.
Where Is Costco Pet Insurance Available
Although Figo has operating licenses in every state, not all states provide Costco memberships. There are Costco warehouses throughout the United States and in a few other nations. But not every state has a Costco. You might qualify for a cheaper Figo plan if you live close to Costco and are a member. Get an estimate and find out whether there are any plans available in your region by visiting the Costco pet insurance website, calling customer service, or checking with your local warehouse.
How to Buy Pet Insurance from Costco
Costco customers may get pet insurance online, over the phone, or through text. Once a consumer selects a package they prefer, they can check out instantly with all quote options. Customers will need to submit the name, age, species, and zip code of their pet to receive a price. In addition, they must provide their email address as part of their login information.
The customer will receive three plan options with varying deductibles and reimbursement amounts after providing this information. By choosing a deductible, reimbursement amount, and annual limit, they can further personalize their plan. Customers can purchase wellness coverage for an extra monthly cost after choosing their terms. They can add more pets to their policy if they need to, but each pet will have its policy.
Consumers are required to provide their data, which includes their payment details, home address, mobile number, and first and last names. If more pet parents choose to access the account or make claims, they can be added as well. The customer will then choose their billing period and provide their payment details. Figo sends monthly or yearly invoices.
Final Thoughts
Members can receive a discounted rate on complete coverage thanks to a partnership between Costco and Figo Pet Insurance. Figo’s package offers benefits including VIP customer care via phone, text, email, or chat, as well as round-the-clock access to professional veterinarian guidance. Additionally, you have access to Figo’s Pet Cloud, which can assist you in keeping track of the digital health data, vaccine records, and appointment calendar for your pet. You can benefit from Kirkland Signature pet food and pet meds at the Costco pharmacy in addition to pet coverage.
