{"id":908,"title":"Costco Pet Insurance in 2026: A Practical Guide to Member Savings, Coverage Options and Pet Care","slug":"costco-pet-insurance-in-2026-a-practical-guide-to-member-savings-coverage-options-and-pet-care","lang":"en","description":"Pet insurance can help households manage the financial uncertainty associated with unexpected veterinary treatment. For Costco members in the United States, Costco pet insurance is currently available through Figo Pet Insurance, with member savings and coverage options for eligible dogs and cats. Costco itself does not underwrite the policies; coverage is provided through Figo and underwritten by Independence American Insurance Company.","content":"

How Costco Pet Insurance Works in the United States

Costco's U.S. pet insurance program is available through Figo Pet Insurance. According to Costco, eligible Gold Star and Business members may receive 15% member savings on qualifying Figo pet insurance where available. Executive Members may receive the same 15% member savings and may also have access to Lost Pet Recovery through 24PetWatch, subject to availability and applicable restrictions.

Pet insurance generally operates differently from human health insurance. Instead of using a network and having the insurer pay the veterinarian directly in every situation, pet owners typically:

Visit a licensed veterinarian.
Pay the veterinary bill.
Submit the paid invoice and required medical records.
Receive reimbursement for eligible expenses according to the deductible, reimbursement percentage, annual limit, and other terms of the policy.

Figo states that policyholders can visit licensed veterinarians, specialists, and emergency veterinary hospitals rather than being restricted to a narrow provider network.

Premiums are individualized. Factors may include the pet's age, breed or species, location, selected coverage, deductible, reimbursement percentage, and optional benefits. Therefore, there is no single Costco pet insurance price that applies to every dog or cat.

Costco Pet Insurance Coverage: What May Be Included?

The creative highlights Accident & Illness Coverage, which accurately reflects the central purpose of the U.S. Figo program.

Costco states that Figo plans may cover eligible veterinary bills resulting from unexpected accidents and illnesses. Examples of covered categories can include:

Coverage Area	What It Generally Addresses
Emergencies and hospitalization	Eligible treatment following unexpected illness or injury
Surgery	Covered surgical procedures related to eligible conditions
Veterinary specialists	Eligible specialist care
Diagnostic imaging and testing	Tests used to diagnose covered conditions
Chronic conditions	Ongoing eligible medical conditions
Hereditary and congenital conditions	Certain eligible inherited or congenital problems
Dental illness and injury	Eligible dental conditions and injuries
Prescription medications	Prescriptions associated with covered conditions
Hip dysplasia and knee conditions	Coverage subject to applicable policy terms and waiting periods
Prosthetics and orthopedics	Eligible devices and orthopedic treatment

Exact benefits depend on the policy issued in the pet owner's state. Waiting periods, deductibles, coinsurance, benefit limits and exclusions can apply.

Optional Wellness and Exam-Fee Coverage

Routine preventive care is different from accident and illness insurance.

Figo provides optional wellness coverage that can include scheduled benefits for preventive services such as vaccinations, examinations, and certain routine dental care. Veterinary examination fee coverage may also be available as an optional feature.

When comparing plans, pet owners should determine whether the quoted premium includes only accident and illness coverage or additional wellness benefits.

Flexible Plans: Deductibles, Reimbursement and Limits

Another feature highlighted in the creative is Flexible Plans. This refers to the ability to customize several financial components of a Figo policy rather than to a single fixed Costco plan.

Three concepts are especially important.

Annual Deductible

The deductible is the amount of covered veterinary expenses the policyholder is responsible for before eligible reimbursement begins.

A higher deductible can generally reduce the premium, while a lower deductible can increase the premium but reduce the amount the owner must absorb before reimbursement begins.

Reimbursement Percentage

After applicable deductible and policy requirements are satisfied, insurance reimburses an eligible percentage of covered expenses.

Figo provides different reimbursement configurations, and certain plans may include reimbursement of up to 100% of eligible expenses. This does not mean every veterinary bill will be paid in full. Exclusions, deductibles, annual limits, coinsurance, and other policy provisions still apply.

Annual Benefit Limit

The annual limit determines how much the insurer can reimburse for eligible claims during the policy year. When comparing Costco pet insurance coverage, shoppers should examine the annual limit alongside the deductible and reimbursement percentage rather than focusing on the monthly premium alone.

24/7 Live Vet Access

The creative also mentions 24/7 Live Vet, a feature associated with Figo.

Figo provides policyholders with access to licensed veterinary professionals through its Live Vet service. This can provide an additional source of guidance when owners have questions about their pet outside ordinary veterinary-office hours.

Live Vet should not be confused with insurance reimbursement itself. Figo identifies Live Vet and Pet Cloud as separate non-insurance services. Virtual veterinary assistance also does not eliminate the need for in-person veterinary care when an animal has an emergency or needs physical examination, testing or treatment.

For older adults who may value convenient access to veterinary guidance from home, the service can be a useful feature to consider alongside the insurance coverage itself.

Costco Pet Insurance Member Savings & Coverage Options 2026 Guide for Seniors

Costco members looking for pet insurance can access member pricing on eligible Figo Pet Insurance policies. Costco currently states that eligible members may receive 15% member savings on qualifying pet insurance through Figo, where available. The final premium is not fixed and can vary based on factors such as the pet's age, breed or species, home address, and selected coverage configuration. Pet owners can also adjust features such as the deductible, reimbursement level, and benefit limit to balance monthly premiums with potential out-of-pocket veterinary costs. Executive Members may receive the same 15% member savings and may also qualify for Lost Pet Recovery through 24PetWatch, subject to state availability and program restrictions.

Costco / Plan Option	Potential Savings or Benefit	Coverage / Plan Consideration
Gold Star Members	15% member savings on eligible Figo pet insurance, where available	Choose available deductible, reimbursement, and coverage options
Business Members	15% member savings on eligible Figo pet insurance, where available	Coverage can include eligible unexpected accidents and illnesses
Executive Members	15% member savings + Lost Pet Recovery through 24PetWatch	Lost Pet Recovery is available in eligible states and requires an active Figo policy
Higher Deductible Option	May help lower the insurance premium	More veterinary costs may need to be paid before reimbursement applies
Lower Deductible Option	May reduce the amount paid before eligible reimbursement begins	Generally associated with a higher premium than comparable higher-deductible options
Adjustable Reimbursement	Allows owners to balance premium and reimbursement needs	Eligible expenses may be reimbursed according to the selected policy percentage
Optional Wellness Coverage	Can help with certain routine preventive-care expenses	Adds benefits beyond standard accident-and-illness protection and may increase the premium

Important: The 15% member savings applies to qualifying Figo pet insurance pricing and does not mean veterinary bills are automatically reduced by 15%. Waiting periods, deductibles, coinsurance, benefit limits, exclusions, and other policy conditions may apply. Member savings, rates, products, and availability can vary by state and may change over time.

How to Compare Costco Pet Insurance With Other Options

A useful comparison starts with equivalent coverage rather than premium alone.

Obtain quotes using the same pet information and then compare similar deductibles, reimbursement percentages and annual limits. Review whether exam fees, rehabilitation, wellness care or other benefits are included automatically or require an additional charge.

Most importantly, read the exclusions and state-specific sample policy. A less expensive policy may involve a higher deductible or narrower benefits, while a higher premium does not necessarily mean every veterinary expense is covered.

Conclusion

For U.S. members researching Costco pet insurance in 2026, the relevant program is pet insurance through Figo. It combines accident and illness protection with customizable policy features, access to 24/7 Live Vet services, and member savings where available.

When comparing coverage, pet owners should look beyond potential member savings and consider the premium, deductible, reimbursement percentage, annual limit, exclusions, waiting periods, optional benefits, and their pet's medical history.

Costco dog insurance and Costco cat insurance can provide financial protection against eligible unexpected veterinary expenses, but coverage is governed by the actual policy. Before enrolling, review the current quote and state-specific policy documents provided by Figo.

Disclaimer

This article provides general informational content and is not insurance, financial, or veterinary advice. Insurance availability, premiums, member savings, coverage, exclusions, waiting periods, and policy terms can vary by state, pet, membership status, and provider and may change over time. Always review the current official policy documents and personalized quote before making a coverage decision.

References

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