Costco Pet Insurance

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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 insurance. 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 advantages.

Costco Pet Insurance

The Chicago-based pet insurance provider Figo provides simple policies, claim handling, customer support, and reasonably priced coverage. Costco customers can obtain pet insurance at a lower rate and enjoy the same benefits as other Figo policyholders. This article assesses Costco’s pet insurance policies to tell pet owners who are also members about coverage, costs, and other specifics.

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.
  • Knee circumstances.
  • Prescription drugs.
  • Orthopedics and prosthetics.
  • 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.
  • Standard testing.
  • Surgery to neuter or spay.
  • Teeth cleaning.
  • Health certificates or microchipping.

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 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

The Costco website states that pet owners who now belong to the big-box retailer may find that using Figo to get pet coverage gives a 15% premium discount. It might also be something to consider if you want to cover an older pet, as Figo does not have age restrictions on dogs or cats. With waiting periods of 1 and 14 days, respectively, the organization offers lower waiting periods for sickness and injuries than its rivals.

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 sign-up 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. Costco warehouses can be found across the United States and a few other countries. But there aren’t Costcos in every state. If you live near a Costco and are a member, you may be eligible for a less expensive Figo plan. Contact customer care, check with your local warehouse, or visit the Costco pet policy website to get an estimate and learn if any options are available in your area.

How to Get Pet Insurance From Costco

Costco customers may get pet coverage 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. After submitting this information, the consumer will be presented with three plan options with different deductibles and reimbursement amounts. They can customize their plan further by selecting a deductible, reimbursement amount, and annual limit.

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.

Major Benefits of Costco Pet Insurance

Members can receive a discounted rate on complete coverage thanks to a partnership between Costco and Figo Pet Insurance. Figo’s package offers 24-7 access to expert veterinarian guidance as well as VIP customer support by phone, text, email, or chat. Figo’s Pet Cloud allows you to maintain your pet’s immunization history, digital health information, and appointment schedule. In addition to pet insurance, Costco pharmacies sell Kirkland Signature pet food and medications.