🐶🐾 Is Costco Pet Insurance Worth It in 2025? Here’s What You Need to Know
💡 Pet insurance suitable for low-income families and seniors to cover veterinary expenses
If you're a Costco member, there's an often-overlooked perk that could save serious money: exclusive access to discounted pet insurance.
This guide breaks down how it works, what you get, and how it compares to other providers.
🐾 What Is Costco Pet Insurance?
Costco partners with Figo Pet Insurance to offer customizable coverage for cats and dogs. Unlike some basic plans, Figo offers flexible deductibles, 70%–100% reimbursement options, and 24/7 virtual vet access.
🎯 Who It's For:
• Low-income families and seniors looking to save on unexpected vet bills
Emergencies like broken bones, swallowed toys, or sudden illness can cost thousands. Figo through Costco can reimburse vet expenses, depending on your plan—offering peace of mind and helping avoid out-of-pocket surprises.
• Cat and dog owners (8 weeks or older)
Young pets are more prone to accidents like ingesting foreign objects or getting injured during play. Enrolling early means broader coverage before any health issues arise—pre-existing conditions are excluded, so the sooner the better.
• Costco Gold Star or Executive members
If you're already a Costco member, you qualify for exclusive discounts on premiums. This makes it one of the more affordable options among major pet insurance providers—especially valuable for multi-pet households.
💰 Key Benefits of Costco + Figo Pet Insurance for Low-Income Families and Seniors
| Benefit | What It Means |
|---|---|
| Adjustable Premiums & Custom Coverage | Optional accident-only plans can reduce monthly costs to around $10, depending on pet type and location. No need to commit to expensive packages. |
| No Age Limit for Enrollment | There is no maximum age limit for pets, making it suitable for older pets often declined by other insurers. |
| 15% Member Discount + 5% Multi-Pet Discount | Households with more than one pet can combine discounts to save more overall. |
| Some Pre-Existing Conditions Waivable | If a condition has been symptom-free for the past 12 months, it may be covered again. |
| Fast Accident Coverage Activation (within 1 day) | Some accident plans activate within 24 hours—ideal for owners with limited ability to cover sudden emergencies. |
Other benefits:
24/7 Virtual Vet (Telehealth): Speak with a licensed vet anytime—day or night—without extra charges.
Wellness Add-ons: Optional coverage for routine care like vaccines, dental cleanings, and check-ups.
Costco Member Discount: Exclusive lower pricing for Gold Star and Executive members.
Use Any Licensed Vet: No network restrictions—visit any vet in the U.S. or Canada.
💳 How Much Does It Cost?
• Monthly Premiums: From $25–$70, based on pet breed, age & location
• Reimbursement Options: 70%, 80%, 90%, or 100%
• Annual Deductibles: Flexible from $100–$750
🐕 Example: A typical vet bill for a broken leg can cost $2,000+. With Figo via Costco, that could be reimbursed up to $1,800 depending on your plan.
📌 Prices vary by state. No Costco membership fees go toward insurance payments.
🔍 Costco vs. Other Pet Insurance Providers
| Provider | 24/7 Vet Access | Covers Chronic Illness | Member Discount |
|---|---|---|---|
| Costco + Figo | ✅ Yes (included) | ✅ Yes | ✅ Yes |
| Spot | ❌ No | ✅ Yes | ❌ No |
| Healthy Paws | ❌ No | ✅ Yes | ❌ No |
⚠️ Things to Know Before You Enroll
• Pre-existing conditions are not covered
• Claims are processed after vet visits—you pay first, get reimbursed later
• Some breeds or older pets may have higher premiums
• Not available in every U.S. state—check your ZIP code
💬 What Pet Owners Say
“We saved over $1,000 when our dog had to undergo emergency surgery. The claim process was smooth and quick. Totally worth it!” — Costco member, CA
“It’s great to have 24/7 vet chat. Saved me a few late-night panics.” — Figo user, TX
📌 FAQ: Quick Answers
Q: Is a Costco membership required?
Yes. You need to be a Gold Star or Executive member to access Figo at a discounted rate.
Q: Can I use any vet?
Yes, coverage applies to any licensed veterinarian in the U.S. or Canada.
Q: Are preventive services covered?
Only if you add an optional wellness plan.
🧡 Whether your pet is a playful puppy or a senior companion, unexpected vet bills happen. Costco Pet Insurance helps turn stress into savings—on your terms.