People are familiar with Costco for its discounted groceries and home goods services. The company also provides its members with access to discounted pet health insurance. Partnering with Figo, a well-regarded pet insurance provider consistently featured on lists of top companies in the industry, Costco offers exclusive policies at reduced rates. So, this blog uncovers all the key features, fees, discounts, and other offers by Costco Pet Insurance. Let’s Begin!
What Is Pet Insurance?
Just like health insurance for humans, pet insurance enables furry companions to manage the amount of unexpected medical treatments. Along with the procedures of treatment for their pets. It typically covers several aspects of pet healthcare. It includes unforeseen accidents, sicknesses, surgeries, hospitalizations, medications, and sometimes routine preventive care like vaccinations, of course, annual check-ups. Pet insurance comes with different perks and levels. You can select the best for your furry companion and which fits your budget. Also, it becomes important to take insurance due to your duty to protect your furry companion.
Cost Of Costco Pet Insurance
As per the insurance, the monthly premium for Costco’s pet insurance through Figo is determined based on several factors. Such as location and your pet’s breed, age, and health condition. For domestic medium-hair cats, the average monthly premium is around US $15, while for common dog breeds, it ranges from US $23 to US $36 per month.
While opting for the policy, Costco offers different reimbursement rate options, including 70%, 80%, 90%, or 100%. Pet owners can also select from several coverage limit options. For example, $5,000, $10,000, or unlimited coverage. Deductibles vary based on your pet’s age, providing you with multiple deductible options to fit your preferences and needs. Some of these are listed below.
| Pet Age | Deductible Options | |
| 1. | 5 and under | US $100, $250, $500, $750 |
| 2. | Between 6 and 9 | US $250, $500, $750, $1,000 |
| 3. | 10 and older | US $500, $750, $1,000, $1,500 |
What Costco Pet Insurance Policy Cover And Not Cover
Figo offers pet parents different types of accident-and-illness plans, each offering coverage for the same items and exclusions. The only variation between these plans lies in their annual limits and lifetime coverage caps. Costco pet insurance also provides a list that clears the idea about the services the insurance provides and whatnot.
| Covered by Costco Pet Insurance Policy | Not Covered by Costco Pet Insurance Policy | |
| 1. | Accidents and injuries | Pre-existing conditions |
| 2. | Illnesses and diseases | Cosmetic and elective procedures |
| 3. | Surgeries and hospitalization | Breeding and pregnancy-related expenses |
| 4. | Prescription medications | Behavioral training and therapy |
| 5. | Diagnostic tests and imaging | Grooming expenses |
| 6. | Hereditary and congenital conditions | Wellness and preventive care |
| 7. | Chronic conditions | Food and dietary supplements |
Costco State Availability
Costco pet insurance is accessible in all U.S. states, except Tennessee. Enrolment fees are waived for all Costco executive members, except for Rhode Island and Michigan. For non-executive members, the $15 enrollment fee is applicable, except for residents of Maryland and New York. A few names of the states that Costco covers are the following.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia (Washington D.C.)
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
Discounts Offers By Costco Pet Insurance
When you buy pet insurance through Costco, the policy is provided by Figo, not Costco itself. However, as a Costco member, you will receive a 15% discount on your Figo policy. Executive-level members can also enjoy a $15 discount on the enrollment fee. Additionally, Figo offers state-specific discounts, so make sure to inquire about them when you enroll.
Steps Of Sign Up
 The method is quite straightforward. You have to follow all the following steps carefully and step by step. So, you do not miss and an error never occurs.
- First, visit the official website of the insurance company.
- Now, go to the Pet Insurance page which is offered in the main menu, under the Services tab.
- You will obtain a pet insurance quote by calling, or by signing up online.
- Just click the “Get a Quote” button to commence the online sign-up process.
- You’ll need to provide some basic details. This includes
- What is the type of pet (dog or cat) you owned
- Your furry companion’s sex
- The name of your pet
- The right age
- Your pet’s gender
- The ZIP code
- And lastly, your email address
You can also check BEST PET INSURANCE COMPANIES IN USA 2023 to compare the best companies. And get the best options and deals.
The Final Words
Costco Pet Insurance is a fantastic choice for any pet owner who is seeking to protect their furry companions. With comprehensive coverage, customizable plans, and affordable premiums, Costco Pet Policy ensures that your pet receives the best care available while giving you peace of mind. So, why wait? In the end, I hope you loved this blog and it proved worth providing all the important information related to the pet policy. Keep appraised and stay connected.