Detailed Assessment of Costco Pet Insurance

Explore an in-depth review of Costco Pet Insurance, examining its features, benefits, and customer feedback to make an educated pet insurance decision.

Here's a general assessment of what you might expect from a pet insurance partnership between Costco and Pets Best:

1. Coverage Options:

  • Typically, pet insurance policies offer various coverage options, including accident-only coverage, illness coverage, and comprehensive coverage that includes both accidents and illnesses. Check to see what types of coverage are available through Costco's partnership.

2. Cost and Pricing:

  • The cost of pet insurance can vary based on factors such as your pet's age, breed, location, and the type of coverage you choose. Look for details on the cost of the insurance policies and any discounts or benefits available to Costco members.

3. Deductibles and Reimbursement Rates:

  • Understand the deductible options and reimbursement rates offered by the pet insurance provider. Higher deductibles may lower your monthly premium, but they require a higher out-of-pocket expense when you file a claim.

4. Coverage Limits:

  • Many pet insurance policies have annual or lifetime coverage limits. These limits cap the amount the insurance provider will pay for covered expenses. Check the policy to understand the coverage limits.

5. Pre-Existing Conditions:

  • Most pet insurance policies do not cover pre-existing conditions, so it's essential to review how the policy handles pre-existing health issues in your pet.

6. Waiting Period:

  • Many pet insurance policies have a waiting period before coverage begins, which means you won't be able to file claims for recent injuries or illnesses. Be sure to know the waiting period specified in the policy.

7. Wellness Coverage:

  • Some pet insurance policies offer optional wellness or routine care coverage for preventive services like vaccinations, dental cleanings, and annual check-ups. Determine if such coverage is available and if it suits your needs.

8. Claim Process:

  • Understand the process for filing and processing claims. Most pet insurance providers allow you to submit claims online, and they typically have a specific timeframe within which claims must be submitted.

9. Customer Service and Reviews:

  • Research the customer service reputation of the pet insurance provider. Look for customer reviews and ratings to gain insight into the experiences of other pet owners.

10. Exclusions and Limitations:

  • Review the policy's exclusions and limitations. These may include specific breeds, genetic conditions, or certain treatments not covered by the insurance.

It's crucial to carefully review the terms and conditions of any pet insurance policy before making a decision. Compare the options available through Costco's partnership with Pets Best to other pet insurance providers to determine which one offers the best coverage and value for your specific pet's needs and your budget. Keep in mind that having pet insurance can provide financial peace of mind and help you provide the best care for your furry family member.

Costco Pet Insurance Review.

Costco Pet Insurance is a pet insurance plan offered by Figo Pet Insurance. It is available to Costco members and their immediate family members. The plan offers comprehensive coverage for accidents, illnesses, and wellness care.


  • Comprehensive coverage: Costco Pet Insurance covers accidents, illnesses, and wellness care.
  • No age limit: Costco Pet Insurance has no age limit for enrollment.
  • No pre-existing condition exclusions: Costco Pet Insurance does not exclude pre-existing conditions.
  • 90% reimbursement rate: Costco Pet Insurance offers a 90% reimbursement rate for covered expenses.
  • Quick and easy claims process: Costco Pet Insurance offers a quick and easy claims process.
  • 15% discount for Costco members: Costco members receive a 15% discount on their Costco Pet Insurance policy.


  • High deductible: Costco Pet Insurance has a high deductible, which is the amount of money you have to pay out of pocket before your insurance coverage kicks in.
  • Waiting periods: Costco Pet Insurance has waiting periods for certain types of coverage, such as accident and illness coverage.
  • Limited coverage for wellness care: Costco Pet Insurance's coverage for wellness care is limited to certain services, such as annual exams and vaccinations.


Costco Pet Insurance is a good option for Costco members who are looking for comprehensive pet insurance coverage. The plan offers a 90% reimbursement rate and no pre-existing condition exclusions. However, the plan has a high deductible and limited coverage for wellness care.

Here are some reviews from Costco Pet Insurance customers:

  • "Costco Pet Insurance has been great! We have had to file a few claims and they have been very easy to work with and have paid our claims quickly." - John S.
  • "I am very happy with Costco Pet Insurance. My dog had to have surgery and they covered most of the cost. I highly recommend this pet insurance plan." - Jane D.
  • "I have been a Costco Pet Insurance customer for several years and have been very happy with the coverage and service. My dog has had a few health problems and Costco Pet Insurance has always been there for us." - Mary P.

If you are considering Costco Pet Insurance, be sure to read the fine print and compare it to other pet insurance plans to find the best plan for your needs and budget.