{"id":2018,"title":"Costco Pet Insurance for Members: A Practical Guide for Seniors","slug":"costco-pet-insurance-for-members-whats-included-in-2026-plans-a","lang":null,"description":"Veterinary treatment can become expensive when a dog or cat develops an unexpected illness, suffers an injury, or requires diagnostic testing and surgery. For Costco members—particularly seniors managing retirement income—pet insurance may provide a way to make certain eligible veterinary expenses more predictable.","content":"

This guide explains how Costco Pet Insurance generally works, what affects Dog Insurance Cost, how to request a Pet Insurance Online Quote, and which details seniors should compare before selecting coverage.

What Is Costco Pet Insurance?

Costco Pet Insurance refers to pet insurance made available to Costco members through Figo. It is not a Costco-branded policy issued or underwritten by Costco itself.

Under the current arrangement:

Costco provides members access to a negotiated insurance discount.
Figo manages the quotation, policy administration, claims process, and customer account.
Independence American Insurance Company underwrites the policies.
Coverage is designed for eligible dogs and cats.
Products, rates, discounts, and availability may vary by state.

Costco states that eligible members currently receive a 15% discount through Figo. However, the discount does not mean every member will receive the same premium. Pet age, species, breed, home address, selected coverage, and other underwriting factors can still affect the final price.

How Costco Pet Insurance Generally Works

The process typically begins with an online quotation.

Visit Costco’s pet insurance service page and continue to the member quotation portal.
Provide your Costco membership information where requested.
Enter details about your dog or cat.
Review the coverage configurations available for your pet and location.
Adjust eligible options such as the deductible, reimbursement arrangement, coverage limit, or optional benefits.
Read the exclusions, waiting periods, and policy documents.
Enrol only after reviewing the final premium and coverage summary.

After coverage begins, the pet owner generally receives treatment from a veterinarian, pays the clinic, and submits an eligible claim for reimbursement under the terms of the policy.

Waiting periods, deductibles, coinsurance, benefit limits, and exclusions can apply. Costco advises members to review the applicable sample policy and the information presented during checkout before enrolling.

How to Get a Pet Insurance Quote

A Pet Insurance Quote is a personalized estimate based on information about the pet, owner, location, and selected plan design. It is not a guaranteed lifetime price.

When requesting Pet Insurance Quotes, you may be asked for information such as:

Pet type
Breed
Age
Sex
ZIP code
Current health information
Desired reimbursement level
Annual deductible
Annual coverage limit
Optional benefits

Providing accurate information is important. An incomplete or incorrect application could affect the quoted premium, enrolment, or future claim decisions.

The fastest way to review the Costco member option is usually to request a Pet Insurance Online Quote through the official Costco-to-Figo quotation process. Figo promotes an online quotation system designed to produce plan options quickly, although the final choices and terms depend on the pet and location.

What Affects Dog Insurance Cost?

There is no single standard Dog Insurance Cost that applies to every Costco member. Even two dogs of the same age may receive different quotations.

Age of the Dog

Older dogs may have a greater likelihood of developing certain illnesses or requiring treatment. As a result, premiums can change as a pet ages.

Enrolling a dog while it is younger may provide access to coverage before certain medical conditions appear, but purchasing a policy at a younger age does not guarantee that premiums will remain unchanged.

Breed

Some breeds have higher historical rates of hereditary, orthopedic, respiratory, cardiac, or other health conditions. Insurers may consider these differences when determining premiums.

Breed alone does not establish whether a particular illness will occur, but it can influence the calculated cost.

Location

Veterinary prices vary by region. Treatment in a high-cost metropolitan area may be more expensive than comparable care elsewhere.

Costco specifically notes that a pet owner’s home address is one of the factors that may affect premiums.

Selected Deductible

A deductible is the amount defined by the policy that the policyholder is responsible for before applicable reimbursement is calculated.

Selecting a higher deductible may lower the premium, but it can increase the amount paid personally when eligible treatment is needed.

Reimbursement Arrangement

The reimbursement percentage determines how the remaining eligible expense is divided between the insurer and policyholder after the applicable deductible and policy conditions are considered.

A higher reimbursement level may provide more help with eligible claims but can also result in a higher premium.

Annual Coverage Limit

Some configurations may provide different annual benefit limits. Greater available protection can increase the cost of coverage.

Consumers should choose a limit based on their financial circumstances rather than automatically choosing the highest or lowest option.

Optional Benefits

Optional coverage may be available for services outside the standard accident-and-illness structure. Figo currently describes optional features for preventive wellness care and examination fees associated with eligible accident-and-illness visits. These additions may increase the premium and should be evaluated according to expected use.

Getting a Dog Insurance Quote

A Dog Insurance Quote should show more than the monthly price. Before comparing offers, review the following details:

Quote detail	Why it matters
Monthly or annual premium	Shows the recurring cost
Deductible	Affects the amount paid before reimbursement
Reimbursement percentage	Determines the policy’s share of eligible expenses
Annual limit	Establishes the maximum covered amount under applicable terms
Waiting periods	Identify when different coverages can begin
Exclusions	Explain what the policy does not cover
Examination-fee coverage	May be included, excluded, or optional
Wellness benefits	Usually separate from accident-and-illness coverage
Pre-existing-condition rules	Can affect claims connected to earlier symptoms or treatment
Renewal terms	Explain how the policy and premium may change

When collecting multiple Pet Insurance Quotes, use similar deductibles, reimbursement percentages, limits, and optional benefits. Otherwise, the lowest quotation may simply provide less coverage.

What Pet Insurance May Cover

Pet insurance coverage varies by policy, but accident-and-illness insurance may help reimburse eligible expenses associated with unexpected veterinary treatment.

Depending on the applicable plan and policy terms, covered care may involve:

Accidental injuries
New illnesses
Diagnostic tests
Imaging
Hospitalization
Surgery
Prescription medication
Specialist treatment
Certain dental injuries or illnesses
Certain cancer-related treatment

Figo currently describes coverage for eligible cancer diagnostics, specialist visits, imaging, surgery, and prescription medication, subject to policy provisions.

A coverage description is not a guarantee that every veterinary bill will be reimbursed. The condition must meet the policy definition of an eligible claim and remain within the deductible, coinsurance, benefit-limit, waiting-period, and exclusion provisions.

What May Not Be Covered

Pet insurance should not be treated as a prepaid plan for every veterinary expense.

Common limitations can include:

Conditions that existed before the coverage effective date
Symptoms documented before enrolment or during a waiting period
Routine care unless optional wellness benefits are purchased
Cosmetic or elective procedures
Breeding-related expenses
Preventive dental cleaning unless specifically included
Charges above policy limits
Services excluded by the state-specific policy

Figo states that some pre-existing conditions considered curable may become eligible if the pet has shown no signs or symptoms for 12 months after its last treatment. This does not mean all previous conditions will be covered; the actual determination is subject to policy language and claim review.

Accident-and-Illness Insurance vs. Wellness Benefits

These two forms of protection serve different purposes.

Accident-and-Illness Coverage

This coverage is primarily designed for unexpected eligible medical events, such as a new illness or accidental injury.

It may help with larger and less predictable expenses, subject to the policy.

Wellness or Routine-Care Benefits

A wellness option is designed to reimburse specified preventive services, which may include:

Routine examinations
Vaccinations
Testing
Preventive treatments
Other scheduled care listed in the benefit schedule

Figo offers preventive wellness as an optional coverage feature rather than treating all routine care as automatically included in the standard policy.

Before adding wellness benefits, compare the additional premium with the maximum scheduled reimbursement for services you realistically expect to use.

Why Seniors May Consider Pet Insurance

Older adults often have strong and long-term relationships with their pets. A dog or cat may provide companionship, routine, exercise, and social connection during retirement.

At the same time, a fixed or carefully managed income can make a sudden veterinary bill more difficult to absorb.

Costco Pet Insurance may be relevant for seniors who:

Want protection against certain unexpected veterinary expenses
Prefer a predictable premium instead of relying entirely on emergency savings
Already maintain a Costco membership
Own a younger pet that has not developed significant medical conditions
Want access to digital policy and claim-management tools
Are comparing insurance with self-funding veterinary care

Some informational materials may organize Costco members into age groups such as 45+, 55+, 65+, 75+, and 85+ to help older adults and their families navigate pet-insurance information. These categories are for general content organization only and do not represent official Costco or Figo insurance plans, pricing tiers, eligibility groups, or guaranteed discounts. The pet owner’s age generally does not determine the quotation; factors such as the pet’s species, breed, age, health history, location, and selected coverage are typically more relevant.

How to Compare Pet Insurance Quotes

Do not compare quotations based only on the premium.

For each Pet Insurance Quote, record:

Monthly and annual cost
Costco member discount
Deductible structure
Reimbursement percentage
Annual limit
Waiting periods
Coverage for hereditary or congenital conditions
Examination-fee treatment
Prescription-medication coverage
Dental illness and injury rules
Pre-existing-condition language
Optional wellness benefits
Claim-submission methods
Renewal and cancellation provisions

A cheaper policy may use a higher deductible, lower reimbursement percentage, lower annual limit, or narrower coverage.

Frequently Asked Questions

Does Costco provide pet insurance directly?

No. Costco does not underwrite or pay claims for the pet insurance program. Eligible policies are offered through Figo and underwritten by Independence American Insurance Company.

How much is the Costco pet insurance discount?

Costco currently states that eligible members can receive a 15% discount through Figo, subject to state availability, restrictions, and future changes.

Does Costco Pet Insurance cover dogs and cats?

The current Costco-linked Figo program offers insurance options for eligible dogs and cats.

Is there a special plan for senior Costco members?

No age-specific policy for senior members is identified. The Costco membership benefit applies according to the program terms, while the quotation is primarily influenced by the pet, selected coverage, and location.

Can an older dog obtain coverage?

Eligibility and available terms depend on the quotation process, state, medical history, and current underwriting rules. Owners should request a personalized Dog Insurance Quote rather than assuming an older dog is automatically accepted or declined.

Will pet insurance pay the veterinarian directly?

Pet insurance commonly operates through reimbursement: the owner pays the veterinarian and then submits an eligible claim. Confirm the current claim-payment process before enrolling.

Are routine vaccinations covered?

Routine care is generally not assumed to be part of standard accident-and-illness insurance. Figo currently offers preventive wellness as an optional benefit, subject to the selected coverage and benefit schedule.

Conclusion

Costco Pet Insurance can be worth reviewing for members who want accident-and-illness protection for an eligible dog or cat. The current program provides eligible Costco members with a 15% discount through Figo, but Costco itself does not underwrite the coverage or determine claims.

The actual Dog Insurance Cost depends on factors such as the dog’s age, breed, location, selected deductible, reimbursement arrangement, coverage limit, and optional benefits. A Pet Insurance Online Quote is therefore more useful than relying on a national price estimate.

Before enrolling, compare multiple Pet Insurance Quotes, read the exclusions and waiting periods, and determine whether the premium, deductible, and potential reimbursement fit your retirement budget. The strongest policy is not necessarily the cheapest one—it is the option whose coverage, costs, and limitations are clearly understood before veterinary treatment is needed.

Disclaimer

This article is provided for general informational purposes only and does not constitute insurance, financial, veterinary, or legal advice. Insurance products, discounts, premiums, deductibles, reimbursement percentages, waiting periods, exclusions, limits, availability, and underwriting requirements vary by state, pet, provider, and policy. Coverage is not guaranteed, and a quotation is not confirmation that a future claim will be paid. Review the applicable policy documents and verify current information directly with Costco, Figo, and a licensed insurance professional before enrolling.

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