Costco's pet insurance (offered through Figo) scores 3.80 out of 5 for cats and 3.60 for dogs in MoneyGeek's analysis. The company excels in affordability, ranking fifth nationally. Costco ranks seventh in customer experience among competitors. Costco requires a one-day waiting period for accident coverage, which is shorter than most competitors offer.
Costco Pet Insurance Review
Updated: October 13, 2025
Advertising & Editorial Disclosure
Costco Pet Insurance Review: Key Takeaways
Costco ranks fifth in affordability for cat insurance and eighth for dog insurance, with monthly premiums starting at $25 for cats and $52 for dogs.
Costco ranks seventh nationally in customer experience, with customers noting mixed experiences regarding claim processing times.
Costco ranks fifth nationwide for coverage quality, offering accident and illness plans with optional wellness riders that cover preventive care services.
Costco Pet Insurance Ratings
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Pet Type:Cat
| Affordability | 4.18 | 5 |
| Coverage | 3.45 | 5 |
| Customer Experience | 3.33 | 7 |
| Overall Score | 3.80 | 8 |
WHO IS COSTCO PET INSURANCE BEST FOR?
Costco ranks among the best pet insurance companies for pet owners who want low deductibles and unlimited payout options. The provider covers hereditary conditions, behavioral issues and exam fees without extra costs. Pet parents should note that orthopedic conditions have a 12-month waiting period, which may not suit those needing immediate comprehensive coverage.
Costco Pet Insurance Ratings by State
Costco offers pet insurance policies nationwide. The company achieves its best overall ranking of third place for cats in three states and fourth place for dogs in two states. Costco demonstrates strong affordability performance, ranking second in six states for cat insurance and achieving competitive rankings across multiple states for dogs.
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Category:Affordability
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Pet Type:Cat
| Alabama | 4.10 | 5 |
| Alaska | 4.55 | 3 |
| Arizona | 4.62 | 3 |
| Arkansas | 4.65 | 2 |
| California | 4.12 | 6 |
| Colorado | 4.59 | 5 |
| Connecticut | 4.56 | 3 |
| Delaware | 4.42 | 4 |
| Florida | 4.17 | 5 |
| Georgia | 2.93 | 8 |
| Hawaii | 4.22 | 5 |
| Idaho | 4.50 | 5 |
| Illinois | 3.99 | 5 |
| Indiana | 3.82 | 6 |
| Iowa | 3.80 | 6 |
| Kansas | 4.54 | 5 |
| Kentucky | 3.54 | 7 |
| Louisiana | 4.47 | 4 |
| Maine | 3.11 | 9 |
| Maryland | 2.15 | 13 |
| Massachusetts | 4.54 | 5 |
| Michigan | 4.44 | 5 |
| Minnesota | 4.26 | 5 |
| Mississippi | 4.02 | 6 |
| Missouri | 4.54 | 5 |
| Montana | 4.30 | 5 |
| Nebraska | 4.85 | 2 |
| Nevada | 4.53 | 4 |
| New Hampshire | 4.71 | 3 |
| New Jersey | 2.46 | 11 |
| New Mexico | 4.70 | 2 |
| New York | 4.14 | 5 |
| North Carolina | 4.30 | 5 |
| North Dakota | 4.32 | 4 |
| Ohio | 4.30 | 5 |
| Oklahoma | 4.23 | 5 |
| Oregon | 4.51 | 5 |
| Pennsylvania | 4.28 | 5 |
| Rhode Island | 4.49 | 4 |
| South Carolina | 4.50 | 4 |
| South Dakota | 4.44 | 5 |
| Tennessee | 3.35 | 7 |
| Texas | 4.14 | 5 |
| Utah | 4.58 | 5 |
| Vermont | 4.67 | 2 |
| Virginia | 4.30 | 5 |
| Washington | 4.12 | 5 |
| West Virginia | 4.75 | 3 |
| Wisconsin | 4.59 | 2 |
| Wyoming | 4.83 | 2 |
Costco Pet Insurance Comparison
See how Costco pet insurance fares against national competitors below.
Costco vs. AKC | • Dogs: 3.60 vs. 4.30 • Cats: 3.80 vs. 3.85 | AKC offers stronger coverage and higher overall scores, while Costco costs less for cats. |
Costco vs. ASPCA | • Dogs: 3.60 vs. 3.85 • Cats: 3.80 vs. 3.35 | ASPCA costs less for dogs, but Costco offers better cat affordability and stronger coverage overall. |
Costco vs. Embrace | • Dogs: 3.60 vs. 2.55 • Cats: 3.80 vs. 2.30 | Costco outperforms Embrace in every category, especially in affordability and coverage. |
Costco vs. Fetch | • Dogs: 3.60 vs. 2.70 • Cats: 3.80 vs. 2.95 | Fetch has slightly better coverage, but Costco has stronger affordability and better overall scores. |
Costco vs. Hartville | • Dogs: 3.60 vs. 3.50 • Cats: 3.80 vs. 3.90 | Hartville has lower cat premiums, but Costco provides stronger overall coverage for both pets. |
Costco vs. Lemonade | • Dogs: 3.60 vs. 4.50 • Cats: 3.80 vs. 4.25 | Lemonade has higher overall scores, though Costco costs less for cats. |
Costco vs. Liberty Mutual | • Dogs: 3.60 vs. 2.65 • Cats: 3.80 vs. 2.30 | Costco outperforms Liberty Mutual in affordability, coverage and customer service. |
Costco vs. MetLife | • Dogs: 3.60 vs. 3.05 • Cats: 3.80 vs. 2.40 | Costco has better coverage and customer experience, while MetLife falls short in nearly every category. |
Costco vs. Nationwide | • Dogs: 3.60 vs. 2.50 • Cats: 3.80 vs. 2.65 | Costco delivers stronger scores across the board in affordability and coverage. |
Costco vs. Pets Best | • Dogs: 3.60 vs. 4.05 • Cats: 3.80 vs. 3.80 | Pets Best leads in dog affordability and coverage, while Costco costs less for cats. |
Costco vs. Pumpkin | • Dogs: 3.60 vs. 3.70 • Cats: 3.80 vs. 4.15 | Pumpkin has higher scores overall, though Costco offers stronger coverage. |
Costco vs. Rainwalk | • Dogs: 3.60 vs. 4.05 • Cats: 3.80 vs. 3.95 | Rainwalk excels in customer service, while Costco has better affordability and balanced coverage. |
Costco vs. Spot | • Dogs: 3.60 vs. 3.75 • Cats: 3.80 vs. 4.15 | Spot has stronger customer service, while Costco's coverage keeps it competitive. |
How Much Does Costco Pet Insurance Cost?
Costco's pet insurance costs an average of $52 monthly ($624 annually) for dog coverage and $25 monthly ($297 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Dog | $52 | $60 | $624 | $723 | 14% |
| Cat | $25 | $32 | $297 | $379 | 22% |
Costco Pet Insurance Rates by State
Costco's rates vary by state due to differences in veterinary costs and local claim patterns. For the cheapest pet insurance options, cat coverage starts at $15 monthly in Arkansas but reaches $41 in Maryland. Dog premiums range from $33 in Arkansas to $74 in Maine, showing geographic price differences.
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Pet Type:Cat
| Alabama | $19 | $225 |
| Alaska | $22 | $264 |
| Arizona | $27 | $323 |
| Arkansas | $15 | $177 |
| California | $32 | $386 |
| Colorado | $28 | $342 |
| Connecticut | $26 | $309 |
| Delaware | $23 | $282 |
| Florida | $28 | $333 |
| Georgia | $29 | $348 |
| Hawaii | $25 | $303 |
| Idaho | $22 | $272 |
| Illinois | $31 | $366 |
| Indiana | $24 | $291 |
| Iowa | $23 | $279 |
| Kansas | $21 | $246 |
| Kentucky | $23 | $274 |
| Louisiana | $19 | $224 |
| Maine | $39 | $471 |
| Maryland | $41 | $486 |
| Massachusetts | $29 | $353 |
| Michigan | $23 | $278 |
| Minnesota | $25 | $302 |
| Mississippi | $22 | $263 |
| Missouri | $18 | $217 |
| Montana | $20 | $242 |
| Nebraska | $19 | $226 |
| Nevada | $23 | $278 |
| New Hampshire | $25 | $304 |
| New Jersey | $38 | $457 |
| New Mexico | $19 | $233 |
| New York | $27 | $325 |
| North Carolina | $22 | $262 |
| North Dakota | $18 | $218 |
| Ohio | $23 | $271 |
| Oklahoma | $20 | $244 |
| Oregon | $29 | $346 |
| Pennsylvania | $26 | $310 |
| Rhode Island | $20 | $241 |
| South Carolina | $22 | $263 |
| South Dakota | $21 | $250 |
| Tennessee | $26 | $314 |
| Texas | $26 | $313 |
| Utah | $22 | $261 |
| Vermont | $20 | $246 |
| Virginia | $27 | $319 |
| Washington | $29 | $346 |
| West Virginia | $19 | $224 |
| Wisconsin | $24 | $289 |
| Wyoming | $20 | $235 |
Costco Pet Insurance Rates by Breed
Costco adjusts pet insurance premiums based on your pet's breed. Cat owners pay $21 monthly for British Longhairs but $30 for Abyssinians. Dog premiums range from $22 for small mixed breeds under 20 pounds to $99 for Bernese Mountain Dogs. These price differences reflect each breed's health risks and veterinary costs.
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Pet Type:Cat
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Breed:Abyssinian
| Abyssinian | $30 | $364 |
Is Costco Pet Insurance Expensive?
Costco ranks fifth in affordability for cats and eighth for dogs in our study, making it a moderately priced option rather than the cheapest available. The filterable table below shows how costs change based on your pet's age and your chosen deductible, annual limit and reimbursement rate.
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Pet Type:Cat
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Pet Age Group:Middle Aged
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Deductible:$100
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Annual Limit:$10,000
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Reimbursement %:100%
| $89 | $1,056 | 0% |
Costco Pet Insurance Discounts
Costco provides four pet insurance discounts that can lower your premium costs. The company offers exclusive member discounts, savings for military members, association members and club memberships. Pet owners can also save money with a multi-pet discount when covering several animals under one policy.
Costco member discount | Up to 15% | Available to Costco members who enroll through the Costco pet insurance program. Discount may vary by state and membership level. Executive members may receive additional perks, such as waived enrollment fees. |
Multi‑pet discount | 5% | Applies when insuring two or more pets under active policies. This discount encourages bundled coverage for households with multiple animals. |
Military/Association discount | ~5% | Available in select states for active-duty military personnel, veterans or members of eligible associations or clubs. Eligibility and availability may vary. |
Annual payment discount | Varies | Pet owners can save by paying their annual premium in full instead of monthly installments. The savings come from reduced processing or service fees. |
Costco Pet Insurance Customer Service Reviews and Ratings
Costco ranks seventh nationally for customer service with cats and dogs. The company holds a moderate rating from the Better Business Bureau and receives moderate feedback on Trustpilot. Reddit users report mixed experiences with Costco's support team. Some customers praise the responsiveness of service representatives, while others express concerns about claim approval delays and slow response times during the support process.
Costco Trustpilot Reviews
Costco earns a 3.9 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with Costco's coverage, though some reviews mention concerns about pricing and claim processing times. Trustpilot collects verified reviews to give consumers honest feedback about companies.
Costco Better Business Bureau Rating
Costco holds a B rating from the Better Business Bureau. The B grade indicates the company generally meets BBB standards for trust and customer complaint resolution, though there is room for improvement compared to A+ rated competitors. BBB ratings help consumers evaluate how well companies handle customer issues and follow ethical business practices.
Costco Pet Insurance Reddit Sentiment
We looked at 12 Reddit comments about Costco. Users left two positive and 10 negative reviews, earning just 17% positive feedback. Happy customers appreciated quick customer service responses and clear policy language. Most complaints centered on denied claims and gaps in coverage. This limited sample reveals concerning patterns with Costco's claims process.
Costco Pet Insurance Coverage
Costco offers pet insurance coverage for dogs and cats. Pet owners can customize policies through multiple coverage levels and optional add-ons, allowing them to match their plan with their budget and their pet's specific health requirements.
Deductible options | Choose from $100, $250, $500 or $750, depending on your pet’s age, the selected plan and your state of residence. |
Annual coverage limits | Selectable limits include $5,000, $10,000 or unlimited annual payouts. |
Reimbursement percentages | Policyholders can opt for 70%, 80%, 90% or 100% reimbursement (note: the 100% option may come with restrictions). |
Included coverage (accident & illness) | Covers expenses like surgery, hospital stays, diagnostics (X-rays, bloodwork, etc.), prescription medications, emergency treatments, specialist consultations, medical supplies, dental injuries/illnesses (if dental check requirements are met), congenital/hereditary conditions (if not preexisting), cancer care, advanced treatment options and more. |
Pre-existing conditions | Conditions that occurred before the policy start date are excluded. Some curable conditions may be eligible for coverage again after 12 symptom-free months. |
Bilateral conditions | If a condition appears on one side of the body before the policy starts or during the waiting period, the same condition on the opposite side may be considered preexisting and excluded. |
Waiting periods | 1-day for accidents, 14 days for illnesses and 6 months for orthopedic conditions in dogs (may be waived if an orthopedic exam is completed and submitted within the first 30 days). |
Age requirements for enrollment | Pets must be at least 8 weeks old to enroll. While there’s no standard upper age limit, plan options and benefits may vary for senior animals. |
Breed & age limitations | No breed exclusions or maximum age restrictions apply for new enrollments. |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
Costco Pet Insurance Coverage Add-Ons
Costco provides wellness add-ons that cover routine preventive care services. Pet owners can get reimbursed for vaccinations, dental cleanings and wellness exams through these optional plans. Coverage begins right away with no deductibles or waiting periods after you enroll.
Wellness powerup | Reimbursement for routine preventive care such as vaccines, routine exams, spay/neuter, dental cleanings, microchipping and parasite prevention (benefits and limits vary) |
Office visit/exam fee powerup | Reimburses vet exam fees charged at accident or illness visits; helpful where exam fees are billed separately from diagnostics or treatment |
Extra care pack | Miscellaneous benefits such as advertising and reward for lost pet, boarding reimbursement if you are hospitalized, vacation cancellation reimbursement when treatment is required, final respects (cremation/burial) limits and lost-pet recovery services (availability varies) |
Behavioral/holistic/rehabilitation powerups | Optional riders may cover behavioral consultations, alternative therapies, rehabilitation or physical therapy when shown on the declarations page |
Is Costco Pet Insurance Good: Bottom Line
On average, Costco charges $52 monthly for dog coverage and $25 for cats. The company ranks seventh nationally for customer experience and maintains moderate Trustpilot and BBB ratings. Pet owners can select from accident-only or comprehensive accident and illness plans, with optional wellness add-ons available for routine care coverage.
Costco Pet Insurance Review: FAQ
Find answers to common questions about Costco pet insurance below.
Is Costco pet insurance worth it in 2025?
Costco provides solid value for pet insurance in 2025, excelling in affordability and coverage options. The company ranks fifth nationally for both affordability and coverage quality. Monthly premiums average $52 for dogs and $25 for cats, making it a competitive choice for budget-conscious pet owners seeking comprehensive protection.
What do Reddit users really think about Costco pet insurance?
Reddit users largely criticize Costco's pet insurance. Only 17% of comments were positive, with just two favorable reviews compared to 10 negative ones. Common complaints focus on claim denials and slow processing times. Some users praise Costco's customer service responsiveness and helpful representatives when issues arise.
Does Costco cover pre-existing conditions for pets?
Costco excludes pre-existing conditions from coverage. Curable conditions may become eligible if your pet remains symptom-free and treatment-free for 180 consecutive days. Chronic conditions and ligament or knee problems remain permanently excluded from coverage.
Can I get a discount for insuring multiple pets with Costco?
Yes, Costco provides a multiple pet discount when you insure two or more pets on the same account. The company also offers additional savings through partnerships with organizations like AAA and various employee benefit programs for qualifying members.
Is Costco pet insurance available in my state?
Yes, Costco pet insurance is available nationwide across all 50 states. Premium costs vary by location. Cat coverage starts at $15 monthly in Arkansas and reaches $41 in Maryland. Dog insurance ranges from $33 monthly in Arkansas to $74 in Maine.
How We Rated Costco Pet Insurance
Pet insurance shopping feels overwhelming with so many options available. We analyzed how Costco performs across the following key areas:
Affordability (50% of score): We gathered premium quotes for various pet breeds, ages and plan options and incorporated available discounts to reflect the actual costs pet owners would pay.
Customer Experience (30% of score): This assessment draws from user reviews and ratings on platforms like Trustpilot and Reddit to gauge genuine customer satisfaction.
Coverage Options (20% of score): We examined the breadth of policy benefits, available add-ons and overall protection to assess how well plans meet diverse pet owner needs.
For consistency, all pricing data uses quotes for a 6-year-old Labrador Retriever and 7-year-old Ragdoll with $500 deductible, $5,000 annual limit and 80% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Better Business Bureau. "Figo Pet Insurance, LLC." Accessed October 15, 2025.
- Trustpilot. "Figo Pet Insurance." Accessed October 15, 2025.