Costco members can enjoy discounts on pet insurance through Figo, especially for seniors and low-income families, saving you thousands of dollars annually.

🐾 Member-Only Discounts & Perks

Costco negotiates exclusive savings for members on Figo Pet Insurance:

15% off premiums for Executive Members.

10% discount for Gold Star and Business Members .

First-month for new Pets Plus Us clients across all member tiers .

5% multi-pet discount when enrolling more than one pet on separate .

Military discounts in certain states, and special benefits like Lost Pet Recovery for Executive Members through 24PetWatch .

Finally, Executive members can earn on additional savings through Costco’s 2% annual reward when purchasing via Costco Services—a subtle extra value stream .

📜 Why Choose Costco’s Figo Pet Insurance?

Broad & Reliable Coverage

Figo’s plans include care for accidents and illnesses, hereditary conditions, surgeries, hospitalization, dental injury, chronic care, diagnostics, and prescription medications. Optional add-ons cover veterinarian exam fees and routine wellness services like vaccines and dental cleanings .

Fast Claims & High Limits

No per-incident caps—claim limits apply annually.

A short 1-day accident waiting period, with 14 days for illnesses and six-month orthopedic exclusions (waivable if you complete a waiver form) .

Claims process is efficient: over 80% settled within 2.6 business days, and most reimbursed within 3–5 working days via direct deposit .

Tech-Enabled Convenience

Pet Cloud™ app allows guided claim submission, storing medical records, and accessing medical reminders. The AI “Evie” assistant helps streamline paperwork.

24/7 live vet and vet technician chat support is included, offering real-time advice via text—rare in insurance plans .

No Network Restrictions

Policyholders can visit any licensed veterinarian, specialist, or emergency clinic—no covered network limitations .

💡 Why Costco’s Pet Insurance Is Worth It

Veterinary care costs can range from hundreds to thousands of dollars, especially for emergency surgeries or chronic conditions. Accident and sickness insurance can cover up to 90% to 100% of eligible bills after deductibles. Based on US industry averages, monthly costs for dog insurance range from approximately $20 to $56, and for cat insurance, approximately $32, but this varies depending on age, breed, and deductible.

With discounts and optional add-ons at Costco, pet owners can get comprehensive coverage at a lower price. Pay a small monthly premium now and save thousands of dollars when unexpected issues arise.

👥 Who Benefits Most from Costco Pet Insurance?

New pet owners can insure their young pets for the lowest premiums and fewer pre-existing exclusions.

Multi-pet owners can save money by stacking discounts.

Budget-conscious low-income families can find security for costly emergencies.

Elderly pets with higher health risks can benefit from genetic and chronic condition coverage.

Tech-savvy users can take advantage of Pet Cloud, on-demand veterinary help, and AI-powered submission tools.

🔍 Final Thoughts

Costco pet insurance via Figo offers real savings and convenience not often found in standard pet insurance plans. Members get guaranteed discounts, optional coverage add-ons, fast claim turnaround, and a supportive layout that complements modern pet care routines.

Thanks for reading!