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 ranks fifth nationally for affordability and seventh in customer experience among competitors. For accident coverage Costco requires a one-day waiting period, shorter than most competitors.
Costco Pet Insurance Review
Updated: June 2, 2026
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
Data filtered by:
Cat
| Affordability | 4.18 | 5 |
| Coverage | 3.45 | 5 |
| Customer Experience | 3.33 | 7 |
| Overall Score | 3.8 | 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. However, the provider has a six-month waiting period for orthopedic conditions, which won't work if you need immediate comprehensive coverage.
Learn more about the best pet insurance options for your pet:
Costco Pet Insurance Ratings by State
Costco offers pet insurance nationwide, ranking third for cats in three states and fourth for dogs in two states. For affordability specifically, Costco ranks second in six states for cat insurance and holds competitive positions across multiple states for dogs. It doesn't top the best pet insurance rankings overall, but its pricing makes it worth comparing in states where it places highly.
Data filtered by:
Affordability
Cat
| Alabama | 4.1 | 5 |
| Alaska | 4.55 | 3 |
| Arizona | 4.61 | 3 |
| Arkansas | 4.65 | 2 |
| California | 4.11 | 6 |
| Colorado | 4.58 | 5 |
| Connecticut | 4.56 | 3 |
| Delaware | 4.41 | 4 |
| Florida | 4.17 | 5 |
| Georgia | 2.92 | 8 |
| Hawaii | 4.22 | 5 |
| Idaho | 4.5 | 5 |
| Illinois | 3.98 | 5 |
| Indiana | 3.82 | 6 |
| Iowa | 3.8 | 6 |
| Kansas | 4.54 | 5 |
| Kentucky | 3.54 | 7 |
| Louisiana | 4.47 | 4 |
| Maine | 3.11 | 9 |
| Maryland | 2.14 | 13 |
| Massachusetts | 4.53 | 5 |
| Michigan | 4.44 | 5 |
| Minnesota | 4.26 | 5 |
| Mississippi | 4.01 | 6 |
| Missouri | 4.53 | 5 |
| Montana | 4.3 | 5 |
| Nebraska | 4.85 | 2 |
| Nevada | 4.52 | 4 |
| New Hampshire | 4.7 | 3 |
| New Jersey | 2.46 | 11 |
| New Mexico | 4.69 | 2 |
| New York | 4.13 | 5 |
| North Carolina | 4.3 | 5 |
| North Dakota | 4.31 | 4 |
| Ohio | 4.29 | 5 |
| Oklahoma | 4.22 | 5 |
| Oregon | 4.51 | 5 |
| Pennsylvania | 4.27 | 5 |
| Rhode Island | 4.49 | 4 |
| South Carolina | 4.49 | 4 |
| South Dakota | 4.44 | 5 |
| Tennessee | 3.34 | 7 |
| Texas | 4.13 | 5 |
| Utah | 4.58 | 5 |
| Vermont | 4.67 | 2 |
| Virginia | 4.3 | 5 |
| Washington | 4.11 | 5 |
| West Virginia | 4.75 | 3 |
| Wisconsin | 4.59 | 2 |
| Wyoming | 4.82 | 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 dogs and $25 monthly ($297 annually) for cats. Your premium depends on 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 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.
Data filtered by:
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 prices pet insurance by breed. Cat premiums run $21 per month for British Longhairs and $30 for Abyssinians. Dog premiums span $22 per month for small mixed breeds under 20 pounds to $99 for Bernese Mountain Dogs, based on each breed's health history and veterinary costs.
Data filtered by:
Select
Select
| Abyssinian | $30 | $364 |
| Affenpinscher | $47 | $561 |
| Afghan Hound | $53 | $632 |
| Airedale Terrier | $54 | $649 |
| Akita | $54 | $649 |
| Alaskan Husky | $48 | $576 |
| Alaskan Malamute | $52 | $627 |
| Alsatian | $60 | $720 |
| Alsation | $56 | $667 |
| American Bulldog | $76 | $922 |
| American Bully | $69 | $829 |
| American Eskimo | $37 | $441 |
| American Foxhound | $44 | $526 |
| American Hairless Terrier | $37 | $443 |
| American Staffordshire Terrier | $60 | $721 |
| Australian Cattle Dog | $41 | $494 |
| Australian Kelpie | $43 | $518 |
| Australian Mist | $26 | $316 |
| Australian Shepherd | $36 | $429 |
| Australian Silky Terrier | $38 | $456 |
| Australian Terrier | $39 | $465 |
| Balinese | $27 | $328 |
| Basenji | $38 | $452 |
| Basset Fauve de Bretagne | $49 | $585 |
| Basset Hound | $58 | $698 |
| Beagle | $46 | $555 |
| Bearded Collie | $43 | $512 |
| Belgian Shepherd Malinois | $49 | $593 |
| Bengal | $26 | $313 |
| Bernese Mountain Dog | $99 | $1,186 |
| Bichon Frise | $39 | $472 |
| Birman | $25 | $303 |
| Bloodhound | $69 | $825 |
| Bombay | $22 | $268 |
| Border Collie | $37 | $450 |
| Border Terrier | $39 | $468 |
| Borzoi | $60 | $725 |
| Boston Terrier | $43 | $510 |
| Boxer | $70 | $842 |
| Bracco Italiano | $47 | $562 |
| Briard | $52 | $622 |
| British Bulldog | $86 | $1,040 |
| British Longhair | $21 | $256 |
| British Shorthair | $28 | $333 |
| Brussels Griffon | $40 | $477 |
| Bullmastiff | $96 | $1,152 |
| Bull Mastiff | $98 | $1,178 |
| Bull Terrier | $58 | $693 |
| Burmese | $26 | $309 |
| Cairn Terrier | $41 | $490 |
| Cane Corso | $79 | $952 |
| Caucasian Shepherd Dog | $68 | $822 |
| Cavachon | $34 | $411 |
| Cavalier King Charles Spaniel | $45 | $540 |
| Cavapoo | $33 | $396 |
| Central Asian Shepherd Dog | $61 | $734 |
| Chihuahua | $27 | $325 |
| Chinchilla | $25 | $304 |
| Chow Chow | $52 | $623 |
| Clumber Spaniel | $57 | $691 |
| Cockapoo | $32 | $383 |
| Cocker spaniel | $48 | $579 |
| Collie | $46 | $553 |
| Corgi | $51 | $613 |
| Cornish Rex | $28 | $333 |
| Coton De Tulear | $36 | $437 |
| Dachshund | $36 | $431 |
| Dalmatian | $57 | $692 |
| Devon Rex | $26 | $315 |
| Dingo | $38 | $460 |
| Doberman Pincher | $73 | $876 |
| Doberman Pinscher | $98 | $1,184 |
| Dogue de Bordeaux | $96 | $1,160 |
| Domestic Shorthair | $21 | $260 |
| English Bulldog | $90 | $1,085 |
| English Foxhound | $40 | $485 |
| English Mastiff | $89 | $1,068 |
| English Pointer | $50 | $601 |
| English Setter | $48 | $575 |
| English Springer Spaniel | $46 | $558 |
| English Toy Terrier | $38 | $458 |
| Estrela Mountain Dog | $63 | $756 |
| Exotic Shorthair | $30 | $363 |
| Field Spaniel | $44 | $531 |
| Finnish Lapphund | $41 | $499 |
| Foxhound | $44 | $534 |
| Fox Terrier | $41 | $487 |
| French Bulldog | $79 | $956 |
| German Pinscher | $43 | $514 |
| German Shepherd | $52 | $626 |
| German Shorthaired Pointer | $47 | $564 |
| German Spitz | $43 | $517 |
| Giant Mix (100 pounds+) | $49 | $590 |
| Giant Mix (110 pounds+) | $46 | $557 |
| Giant Mix (111 pounds+) | $42 | $509 |
| Giant Mix (90 pounds+) | $62 | $747 |
| Goldendoodle | $39 | $475 |
| Golden Retriever | $53 | $643 |
| Gordon Setter | $60 | $719 |
| Great Dane | $91 | $1,101 |
| Great Pyrenees | $58 | $694 |
| Greyhound | $59 | $710 |
| Groodle | $36 | $435 |
| Harrier | $47 | $563 |
| Havanese | $33 | $395 |
| Himalayan | $26 | $310 |
| Hungarian Vizsla | $55 | $664 |
| Husky | $41 | $495 |
| Icelandic Sheepdog | $42 | $505 |
| Irish Setter | $52 | $625 |
| Irish Terrier | $44 | $530 |
| Italian Greyhound | $43 | $517 |
| Italian Spinone | $51 | $610 |
| Jack Russell Terrier | $32 | $386 |
| Japanese Chin | $36 | $437 |
| Japanese Spitz | $37 | $441 |
| Kangal Shepherd Dog | $75 | $902 |
| Keeshond | $44 | $535 |
| Komondor | $58 | $703 |
| Labradoodle | $39 | $470 |
| Labrador Retriever | $52 | $624 |
| Large Mix (51-100 pounds) | $42 | $512 |
| Large Mix (51-110 pounds) | $39 | $469 |
| Large Mix (55-90 pounds) | $43 | $523 |
| Large Mix (60-109 pounds) | $46 | $557 |
| Large Mix (61+ pounds) | $43 | $512 |
| Large Mix (71+ pounds) | $77 | $933 |
| Large Mix (Over 70 pounds) | $42 | $510 |
| Lhasa Apso | $36 | $432 |
| Lurcher | $61 | $730 |
| Maine Coon | $29 | $347 |
| Maltese | $34 | $416 |
| Maltipoo | $28 | $343 |
| Medium Mix (20-55 pounds) | $34 | $409 |
| Medium Mix (20-70 pounds) | $36 | $429 |
| Medium Mix (21-70 pounds) | $80 | $967 |
| Medium Mix (23-70 pounds) | $43 | $514 |
| Medium Mix (26-50 pounds) | $35 | $428 |
| Medium Mix (26-59 pounds) | $46 | $557 |
| Medium Mix (31-50 pounds) | $36 | $430 |
| Medium Mix (31-59 pounds) | $35 | $422 |
| Miniature Bull Terrier | $57 | $689 |
| Miniature Dachshund | $38 | $449 |
| Miniature Fox Terrier | $42 | $501 |
| Miniature Pinscher | $37 | $439 |
| Miniature Poodle | $33 | $396 |
| Miniature Schnauzer | $39 | $468 |
| Mixed Breed | $46 | $551 |
| Mixed Breed Giant (>90 lbs) | $65 | $781 |
| Mixed Breed Large (51-90 lbs) | $43 | $512 |
| Mixed Breed Medium (31-50 lbs) | $32 | $381 |
| Mixed Breed Small (>10 lbs) | $27 | $317 |
| Mixed Breed Small (11-30 lbs) | $27 | $333 |
| Mixed breed Small (up to 20lbs when full grown) | $26 | $308 |
| Mixed Dog (21-50 pounds) | $38 | $454 |
| Mixed Dog (51-90 pounds) | $46 | $545 |
| Mixed Dog (91 pounds+) | $48 | $574 |
| Morkie | $31 | $373 |
| Munchkin | $25 | $305 |
| Newfoundland | $82 | $984 |
| Norfolk Terrier | $40 | $482 |
| Norwegian Elkhound | $42 | $506 |
| Norwegian Forest cat | $25 | $296 |
| Norwich Terrier | $40 | $479 |
| Olde English Bulldogge | $96 | $1,154 |
| Old English Buldogge | $79 | $948 |
| Old English Sheepdog | $54 | $656 |
| Papillon | $36 | $432 |
| Pekingese | $39 | $462 |
| Pembroke Welsh Corgi | $46 | $548 |
| Persian | $26 | $315 |
| Peruvian Hairless Dog | $41 | $488 |
| Petit Basset Griffon Vendeen | $58 | $700 |
| Petit Basset Griffon Vendeens | $41 | $500 |
| Pitbull | $58 | $697 |
| Pointer | $46 | $556 |
| Pomeranian | $38 | $453 |
| Portuguese Water Dog | $50 | $603 |
| Pug | $47 | $559 |
| Puggle | $34 | $405 |
| Puli | $52 | $621 |
| Ragdoll | $22 | $262 |
| Rhodesian Ridgeback | $58 | $696 |
| Rottweiler | $89 | $1,073 |
| Rough Collie | $49 | $587 |
| Russian Blue | $24 | $288 |
| Saint Bernard | $93 | $1,114 |
| Saluki | $50 | $607 |
| Samoyed | $47 | $571 |
| Savannah | $27 | $326 |
| Schnoodle | $34 | $412 |
| Scottish Deerhound | $74 | $888 |
| Scottish Fold | $25 | $303 |
| Scottish Terrier | $47 | $563 |
| Serengeti | $25 | $296 |
| Shar Pei | $78 | $944 |
| Shetland Sheepdog | $38 | $456 |
| Shiba Inu | $34 | $412 |
| Shih Tzu | $30 | $367 |
| Siamese | $23 | $272 |
Is Costco Pet Insurance Expensive?
Costco ranks fifth in affordability for cats and eighth for dogs in our study, making it moderately priced rather than the cheapest available. The filterable table shows how costs change based on your pet's age and your chosen deductible, annual limit and reimbursement rate:
Data filtered by:
Cat
Middle Aged
$100
$10,000
100%
| $89 | $1,056 | 0% |
Costco Pet Insurance Discounts
Costco provides four pet insurance discounts that lower your premium costs. The company offers exclusive member discounts, savings for military members, association members and club memberships. You can also save 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% to 10% | Available in select states for active-duty military personnel, veterans or members of eligible associations or clubs. Eligibility and availability may vary. |
Costco Pet Insurance Customer Service Reviews and Ratings
Costco ranks seventh nationally for customer service. 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 responsive service representatives, while others report claim approval delays and slow response times.
Costco Trustpilot Reviews
Costco earns a 3.7 out of 5 rating on Trustpilot from verified customers. 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 means the company meets BBB standards for trust and customer complaint resolution, though there's 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 reviewed 12 Reddit comments about Costco. Users left two positive and 10 negative reviews (just 17% positive feedback). Happy customers appreciated quick customer service responses and clear policy language. Most complaints focused on denied claims and coverage gaps. This limited sample reveals concerning patterns with Costco's claims process.
Costco Pet Insurance Coverage
Costco offers pet insurance coverage for dogs and cats. You can customize policies through multiple coverage levels and optional add-ons to match your budget and your pet's health needs.
$100, $250, $500, $750 | |
$5,000, $10,000, Unlimited | |
70%, 80%, 90%, 100% | |
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 pre-existing), 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. |
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. You can get reimbursed for vaccinations, dental cleanings and wellness exams through these optional plans. Coverage begins immediately with no deductibles or waiting periods after you enroll.
Wellness and Preventative Coverage | Reimbursement for routine preventive care such as wellness exams, vaccines, spay/neuter, dental cleanings, microchipping and deworming |
Veterinary Exam Fees for Accident and Illness Visits | Reimburses vet exam fees charged at accident or illness visits; helpful where exam fees are billed separately from diagnostics or treatment |
Extra Care Pack | Provides miscellaneous benefits such as advertising and reward for lost pet, boarding fee reimbursement, vacation cancellation reimbursement when treatment is required, final respects (cremation/burial) benefit and more |
Alternative Care, Rehabilitation and Physical Therapy Riders | 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
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. You can select from accident-only or comprehensive accident and illness plans, with optional wellness add-ons for routine care coverage.
Browse through our review guides for the top pet insurance companies for your pet:
Costco Pet Insurance Review: FAQ
We answer common questions about Costco pet insurance:
Is Costco pet insurance worth it in 2026?
Costco pet insurance ranks fifth nationally for both affordability and coverage quality. Monthly premiums average $52 for dogs and $25 for cats, placing it among the more affordable options for pet owners who want broad coverage without paying top-tier rates.
What do Reddit users really think about Costco pet insurance?
Costco pet insurance draws mostly negative feedback on Reddit. Of 12 reviews analyzed, only two were positive. Complaints center on claim denials and slow processing times, while a small number of users credit the customer service team for resolving issues quickly.
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.
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 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. 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
MoneyGeek scored Costco pet insurance across three categories to show how it stacks up for real pet owners.
Affordability accounts for 50% of the score, based on premium quotes across multiple breeds, ages and plan options, including available discounts. Customer experience makes up 30%, drawn from Trustpilot and Reddit feedback on claims handling and service responsiveness. Coverage options account for the remaining 20%, reflecting policy benefits, available add-ons and how well each plan covers common pet owner needs.
All pricing uses quotes for a 6-year-old Labrador Retriever and 7-year-old Ragdoll with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.
The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes for human buyers rather than search engines.
For questions about MoneyGeek's business and pet insurance content, contact him at connor@moneygeek.com or on LinkedIn.
Sources
- Better Business Bureau. "Figo Pet Insurance, LLC." Accessed June 23, 2026.
- Trustpilot. "Figo Pet Insurance." Accessed June 23, 2026.