Costco Pet Insurance Review
Sign up for costco pet insurance and your dog or cat gets an accident and illness plan, with an optional wellness add-on available.
- Deductible choices: $100, $250, $500, or $750.
- Yearly payout cap: $5,000, $10,000, or unlimited.
- Payout share: 70%, 80%, 90%, or 100%.
- Exam fees are an Add-on.
- Joining age: No upper age limit.
- A Wellness add-on is offered: Yes.
Your policy is underwritten and backed by Independence American Insurance Company. Before you apply, note that in Washington the program isn't offering new policies. The waiting periods before coverage starts aren't listed in public plan summaries, so you must check your sample policy.
You can select a reimbursement rate set at 70%, 80%, 90%, or 100%, as the published plan details state. The insurance company pays back to you a percentage of each covered vet bill; that share is the reimbursement. Before signing up, it's worth comparing how each payout choice affects your monthly cost.
Costco pet insurance plans and cost
What you pay monthly comes down to your pet, where you live, and the policy settings you pick. Published prices are only examples for particular pets, so they never show a typical rate for everyone. A published sample for Costco dog insurance puts the average monthly cost at $74.72 across 50 states plus DC. It covers dogs that are neutered medium mixed-breeds, either 1-year-old or 6-year-old, on the accident-and-illness plan. Cats show a published average monthly cost of $39.74 across all 50 states and DC for 1-year-old cats, plus 6-year-old cats, all neutered domestic shorthairs. In each of the two sample quotes, the deductible is $500, the payout tier is 90%, and the annual limits are $10,000 and unlimited.
The deductible is the yearly amount you pay on covered vet bills before your plan begins paying. Your yearly deductible can be $100, $250, $500, or $750 (that's what the sample quotes use: $500). The annual limit is the most the policy pays out in a single policy year. Your choices for the annual cap: $5,000, $10,000, or an unlimited amount. If you have several pets, you can get a multi-pet discount of 5%, although every animal needs a policy of its own.
Coverage and exclusions under Costco
At its core, the policy is an accident-and-illness plan built for unexpected injuries and sickness. The standard policy covers the following, according to the published coverage review:
- Both hereditary and congenital conditions
- Dental illness
- Treatments for behavior issues
- Alternative therapy options
The base plan excludes routine preventive care, but an optional wellness add-on is available. Nor are veterinary exam fees covered, unless you buy the exam fee add-on at extra cost.
Any illness or injury with symptoms that show up before your coverage begins counts as a pre-existing condition. Permanent pre-existing issues aren't covered, but curable pre-existing conditions may qualify for coverage once your pet has gone 12 months with no signs or symptoms.
Waiting periods and age limits at Costco
The public program summaries don't say how long you must wait after you enroll. The sample policy contract is something you'll need to check during signup to learn when coverage begins.
Age limits: puppies and kittens need to be 8 weeks old or older to enroll in a plan. Senior pets are welcome as well, since enrolling a dog or cat comes with no upper age limit.
Claims and reimbursement at Costco
After a vet visit, you can submit claims in the Pet Cloud app or online. The policy reimburses the covered vet bill at the share you chose, but only after you meet your deductible. Plan documents that are publicly available don't say how quickly claims get paid, or how the money reaches you.
Who the Costco plan fits
Buying pet insurance through Costco works for pet parents with older animals, as senior dogs and cats can join without an upper age limit. It also suits owners looking for an unlimited annual payout option, plus cover for hereditary or dental illnesses.
If you live in Washington, though, look elsewhere: new policies aren't sold there. You may prefer a different plan if you want vet exam fees covered without an add-on, or if your pet recently had curable symptoms.
Common questions
Is it worth it to buy Costco pet insurance?
This plan can suit you when you want coverage for an older pet, customizable limits, or built-in hereditary and behavioral care. Does the price make sense for you? That comes down to your local quote and to whether you want to pay extra for the exam fee or for wellness add-ons. The program summary lets you compare these features with the vet bills you usually pay.
Do pre-existing conditions get covered under Costco pet insurance?
Conditions that are chronic or permanent and that began before your policy started are never covered. Still, curable pre-existing conditions may qualify for coverage if your pet has no signs or symptoms at all throughout the required waiting window.
What's the way to get a Costco pet insurance quote?
A quote can be started online through the official member page, which sends you onward to the partner quote tool. Public summaries leave out some application steps, but you will enter your pet's details online and choose your coverage limits there.
Costco Pet Insurance plan terms
| Term | Plan terms |
|---|---|
| Pets covered | Dogs and Cats |
| Plan types | Accident and illness, Wellness add-on |
| Underwriter | Independence American Insurance Company |
| Plans offered through | Figo Pet Insurance |
| Deductible options | Deductible choices: $100, $250, $500, or $750. |
| Reimbursement options | 70%, 80%, 90%, or 100% |
| Yearly limit choices | $5,000, $10,000, or unlimited |
| Youngest age to enroll | 8 weeks |
| Oldest age to enroll | No upper age limit |
| Exam fee cover | Add-on |
| Pre-existing conditions | Curable pre-existing conditions can be covered after the pet goes 12 months with no signs or symptoms |
| Cured pre-existing conditions | Yes, if sign- and symptom-free for 12 months |
| Both hereditary and congenital conditions | Covered |
| Dental illness | Covered |
| Behavioral conditions | Covered |
| Alternative therapy | Covered |
| Wellness add-on | Covered |
| Multi-pet discount | 5% (each pet needs its own policy) |
| Claims app | Figo Pet Cloud app, or submit online |
| Where it is sold | New policies aren't offered in Washington. |
Sources: Pet Insurance | Costco and Costco Pet Insurance Review for 2026 | U.S. News
Pros
- Coverage includes hereditary and congenital conditions.
- There's no upper age limit when you enroll a pet.
- You can set the annual limit to unlimited.
Cons
- Only a paid add-on covers exam fees.
- New policies aren't offered in Washington.
- Curable pre-existing conditions require 12 symptom-free months first.
Request plan pricing for your pet
Insurance policies aren't sold, quoted, or bound by us; we do not sell them, and your request is sent to an insurance agency.
Insurers we also compare
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|---|---|---|---|---|
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 | $36 to $99 a month | $23 to $51 a month | 5 days | No upper age limit |
 | $39 a month | $19 a month | 14 days | No upper age limit |
 | $39 to $69 a month | $19 to $35 a month | No wait | No upper age limit |
 | $39 a month | $19 a month | 14 days | No upper age limit |
 | $43 a month | $19 a month | 14 days | Before age 9 |