Costco Canada Pet Insurance: Smart Coverage That Saves on Vet Bills
Costco Canada offers pet insurance through a partnership with Pets Plus Us — featuring flexible accident‑only or accident & illness plans, discount pricing for members, and coverage designed to help Canadian pet owners manage veterinary costs without compromising care.
🐾 What Is Costco Pet Insurance?
Costco Canada’s pet insurance is provided by Pets Plus Us (administered by PTZ Insurance Services Ltd. and underwritten by Northbridge General Insurance Corp.) and covers dogs and cats across all provinces and territories in Canada .
There are two main plan types:
Accident Plan: Covers injuries only—e.g. broken bones, car accidents—with an annual limit (typically $5,000) .
Accident & Illness Plan: Broader coverage, including illnesses, diagnostics, surgery, chronic/hereditary conditions, hospitalization, prescription meds, and more. Annual limits generally set at $7,500 or $15,000 .
💳 Costco Pet Insurance Discounts for Seniors and Low-Income Families
Costco makes it easier for seniors and low-income families in Canada to afford pet care through exclusive discounts and practical support options. Here's how:
Up to 15% in premium discounts are available for eligible customers, making monthly insurance costs more manageable for older adults living on fixed incomes or families working with tight budgets.
The insurance covers chronic conditions, diagnostics, and hospitalization, which are especially important for aging pets—helping avoid sudden high veterinary bills that could strain low-income households.
Flexible deductible and reimbursement options let pet owners customize a plan that fits their financial situation, giving them more control over monthly payments and out-of-pocket costs.
With coverage for both dogs and cats of any age, even older pets can be insured—ideal for senior pet owners or families with long-time companions who still need care.
Claims are handled digitally, streamlining the reimbursement process for those who may not have easy access to transportation or in-person services.
🧾 Who is ASPCA® Pet Insurance Best for?
Seniors: Seniors on fixed incomes can enjoy affordable plans that can help them cover unexpected pet medical expenses without financial strain.
Low-income families: Affordable monthly premiums make it possible to get necessary veterinary care even when finances are tight.
Senior Pets: Coverage includes many age-related issues, such as arthritis or diabetes, making it ideal for pets in their golden years.
📋 Summary of Key Features
| Feature | Details |
|---|---|
| Provider | Pets Plus Us, distributed via Costco Canada |
| Member Discounts | 15% for Executive, 10% for Gold Star |
| Plan Options | Accident-only ($5,000) / Accident & Illness ($7.5K or $15K) |
| Pets Covered | Dogs and cats (no upper age limit) |
| Deductible / Reimbursement | Adjustable (e.g. $100–$500+), ~80% typical |
| Waiting Periods | ~3 days for accidents, ~14–15 days for illness |
| Coverage Includes | Surgery, hospitalization, chronic/behavioural, diagnostics, euthanasia, boarding support, lost pet, etc. |
| Excluded | Routine wellness exams (unless added), liability, pre-existing conditions |
| Claims Processing | Digital via Pet Cloud; average reimbursement within ~10–30 days |
✅ Why It’s Beneficial
Customizable plans: Choose between accident-only or accident+illness coverage, adjust deductibles and reimbursement options to suit your budget and pet’s needs .
Comprehensive benefits: Full vet consults, diagnostics, surgery, hereditary/chronic conditions, behavioral therapy, euthanasia support, boarding during owner hospitalization, dental injury, travel emergency coverage, lost pet recovery, and more under one annual limit .
No lifetime coverage limit: Policies renew annually without cumulative caps—unusual compared to many other providers .
Digital claim filing and fast payouts: Submit claims via Pets Plus Us portal and expect reimbursement typically within 10–30 days .
👤 Who Should Consider It?
Ideal candidates:
Young to middle‑aged pets: Starting early may secure lower premiums and cover conditions before onset .
Purebred or at‑risk breeds: Provides robust coverage for hereditary or breed-specific conditions.
Costco members wanting simplicity: Bundled offerings reduce the hassle of choosing independent carriers.
Owners who value flexibility: You're free to choose any licensed vet—no network restrictions.
Families ready to customize coverage: Select deductible and reimbursement structures that match budget and pet’s health needs.
🐕 Final Thought
Costco Canada’s pet insurance via Pets Plus Us offers a solid, flexible solution for pet owners looking to manage potentially large vet bills without overpaying. Member discounts, customizable plans, and broad veterinary coverage help prepare you financially for accidents or illnesses without compromising on care. It’s especially useful for pet owners with young or purebred animals who want strong protection and value simplicity and predictability.