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: May 8, 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
| Customer Experience | 3.33 | 7 |
| Coverage | 3.45 | 5 |
| Overall Score | 3.8 | 8 |
| Affordability | 4.18 | 5 |
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 policies nationwide. While the company doesn't provide the best pet insurance overall, it ranks third for cats in three states and fourth for dogs in two states. Costco ranks second for affordability in six states for cat insurance and maintains competitive rankings across multiple states for dogs.
Data filtered by:
Affordability
Cat
| Maryland | 2.14 | 13 |
| New Jersey | 2.46 | 11 |
| Georgia | 2.92 | 8 |
| Maine | 3.11 | 9 |
| Tennessee | 3.34 | 7 |
| Kentucky | 3.54 | 7 |
| Iowa | 3.8 | 6 |
| Indiana | 3.82 | 6 |
| Illinois | 3.98 | 5 |
| Mississippi | 4.01 | 6 |
| Alabama | 4.1 | 5 |
| California | 4.11 | 6 |
| Washington | 4.11 | 5 |
| Texas | 4.13 | 5 |
| New York | 4.13 | 5 |
| Florida | 4.17 | 5 |
| Hawaii | 4.22 | 5 |
| Oklahoma | 4.22 | 5 |
| Minnesota | 4.26 | 5 |
| Pennsylvania | 4.27 | 5 |
| Ohio | 4.29 | 5 |
| Montana | 4.3 | 5 |
| Virginia | 4.3 | 5 |
| North Carolina | 4.3 | 5 |
| North Dakota | 4.31 | 4 |
| Delaware | 4.41 | 4 |
| Michigan | 4.44 | 5 |
| South Dakota | 4.44 | 5 |
| Louisiana | 4.47 | 4 |
| Rhode Island | 4.49 | 4 |
| South Carolina | 4.49 | 4 |
| Idaho | 4.5 | 5 |
| Oregon | 4.51 | 5 |
| Nevada | 4.52 | 4 |
| Missouri | 4.53 | 5 |
| Massachusetts | 4.53 | 5 |
| Kansas | 4.54 | 5 |
| Alaska | 4.55 | 3 |
| Connecticut | 4.56 | 3 |
| Utah | 4.58 | 5 |
| Colorado | 4.58 | 5 |
| Wisconsin | 4.59 | 2 |
| Arizona | 4.61 | 3 |
| Arkansas | 4.65 | 2 |
| Vermont | 4.67 | 2 |
| New Mexico | 4.69 | 2 |
| New Hampshire | 4.7 | 3 |
| West Virginia | 4.75 | 3 |
| Wyoming | 4.82 | 2 |
| Nebraska | 4.85 | 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.
| Cat | $25 | $32 | $297 | $379 | 22% |
| Dog | $52 | $60 | $624 | $723 | 14% |
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
| Arkansas | $15 | $177 |
| Missouri | $18 | $217 |
| North Dakota | $18 | $218 |
| West Virginia | $19 | $224 |
| Nebraska | $19 | $226 |
| Alabama | $19 | $225 |
| Louisiana | $19 | $224 |
| New Mexico | $19 | $233 |
| Wyoming | $20 | $235 |
| Rhode Island | $20 | $241 |
| Montana | $20 | $242 |
| Vermont | $20 | $246 |
| Oklahoma | $20 | $244 |
| Kansas | $21 | $246 |
| South Dakota | $21 | $250 |
| North Carolina | $22 | $262 |
| Utah | $22 | $261 |
| South Carolina | $22 | $263 |
| Mississippi | $22 | $263 |
| Alaska | $22 | $264 |
| Idaho | $22 | $272 |
| Ohio | $23 | $271 |
| Kentucky | $23 | $274 |
| Michigan | $23 | $278 |
| Nevada | $23 | $278 |
| Iowa | $23 | $279 |
| Delaware | $23 | $282 |
| Wisconsin | $24 | $289 |
| Indiana | $24 | $291 |
| Hawaii | $25 | $303 |
| New Hampshire | $25 | $304 |
| Minnesota | $25 | $302 |
| Pennsylvania | $26 | $310 |
| Connecticut | $26 | $309 |
| Texas | $26 | $313 |
| Tennessee | $26 | $314 |
| Virginia | $27 | $319 |
| Arizona | $27 | $323 |
| New York | $27 | $325 |
| Florida | $28 | $333 |
| Colorado | $28 | $342 |
| Washington | $29 | $346 |
| Oregon | $29 | $346 |
| Georgia | $29 | $348 |
| Massachusetts | $29 | $353 |
| Illinois | $31 | $366 |
| California | $32 | $386 |
| New Jersey | $38 | $457 |
| Maine | $39 | $471 |
| Maryland | $41 | $486 |
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
| British Longhair | $21 | $256 |
| Domestic Shorthair | $21 | $260 |
| Small Mix (Under 20 pounds) | $22 | $258 |
| Ragdoll | $22 | $262 |
| Bombay | $22 | $268 |
| Siamese | $23 | $272 |
| Russian Blue | $24 | $288 |
| Norwegian Forest cat | $25 | $296 |
| Serengeti | $25 | $296 |
| Small Mix (11-25) | $25 | $296 |
| Small Mix (10 and less pounds) | $25 | $302 |
| Birman | $25 | $303 |
| Chinchilla | $25 | $304 |
| Tonkinese | $25 | $303 |
| Munchkin | $25 | $305 |
| Scottish Fold | $25 | $303 |
| Small Mix (0-20) | $25 | $302 |
| Burmese | $26 | $309 |
| Himalayan | $26 | $310 |
| Small Mix (1-10 pounds) | $26 | $310 |
| Mixed breed Small (up to 20lbs when full grown) | $26 | $308 |
| Bengal | $26 | $313 |
| Snowshoe | $26 | $314 |
| Australian Mist | $26 | $316 |
| Persian | $26 | $315 |
| Devon Rex | $26 | $315 |
| Siberian | $26 | $317 |
| Mixed Breed Small (>10 lbs) | $27 | $317 |
| Savannah | $27 | $326 |
| Chihuahua | $27 | $325 |
| Balinese | $27 | $328 |
| Mixed Breed Small (11-30 lbs) | $27 | $333 |
| Cornish Rex | $28 | $333 |
| British Shorthair | $28 | $333 |
| Maltipoo | $28 | $343 |
| Maine Coon | $29 | $347 |
| Small Mix (11-30) | $29 | $351 |
| Sphynx | $29 | $352 |
| Small Mix (25 and less pounds) | $30 | $355 |
| Exotic Shorthair | $30 | $363 |
| Shih Tzu | $30 | $367 |
| Abyssinian | $30 | $364 |
| Small Mix (22 pounds or less) | $31 | $371 |
| Morkie | $31 | $373 |
| Toy Mix (10 and less pounds) | $32 | $382 |
| Cockapoo | $32 | $383 |
| Jack Russell Terrier | $32 | $386 |
| Mixed Breed Medium (31-50 lbs) | $32 | $381 |
| Cavapoo | $33 | $396 |
| Yorkshire terrier | $33 | $394 |
| Havanese | $33 | $395 |
| Miniature Poodle | $33 | $396 |
| Medium Mix (20-55 pounds) | $34 | $409 |
| Puggle | $34 | $405 |
| Shiba Inu | $34 | $412 |
| Toy Poodle | $34 | $409 |
| Cavachon | $34 | $411 |
| Schnoodle | $34 | $412 |
| Maltese | $34 | $416 |
| Medium Mix (31-59 pounds) | $35 | $422 |
| Medium Mix (26-50 pounds) | $35 | $428 |
| Medium Mix (20-70 pounds) | $36 | $429 |
| Medium Mix (31-50 pounds) | $36 | $430 |
| Australian Shepherd | $36 | $429 |
| Papillon | $36 | $432 |
| Lhasa Apso | $36 | $432 |
| Dachshund | $36 | $431 |
| Groodle | $36 | $435 |
| Japanese Chin | $36 | $437 |
| Coton De Tulear | $36 | $437 |
| American Eskimo | $37 | $441 |
| Miniature Pinscher | $37 | $439 |
| Japanese Spitz | $37 | $441 |
| American Hairless Terrier | $37 | $443 |
| Border Collie | $37 | $450 |
| Miniature Dachshund | $38 | $449 |
| Mixed Dog (21-50 pounds) | $38 | $454 |
| Pomeranian | $38 | $453 |
| Basenji | $38 | $452 |
| Australian Silky Terrier | $38 | $456 |
| Shetland Sheepdog | $38 | $456 |
| Dingo | $38 | $460 |
| English Toy Terrier | $38 | $458 |
| Pekingese | $39 | $462 |
| Australian Terrier | $39 | $465 |
| Large Mix (51-110 pounds) | $39 | $469 |
| Border Terrier | $39 | $468 |
| Miniature Schnauzer | $39 | $468 |
| West Highland White Terrier | $39 | $468 |
| Labradoodle | $39 | $470 |
| Bichon Frise | $39 | $472 |
| Goldendoodle | $39 | $475 |
| Brussels Griffon | $40 | $477 |
| Norwich Terrier | $40 | $479 |
| Norfolk Terrier | $40 | $482 |
| English Foxhound | $40 | $485 |
| Fox Terrier | $41 | $487 |
| Peruvian Hairless Dog | $41 | $488 |
| Cairn Terrier | $41 | $490 |
| Australian Cattle Dog | $41 | $494 |
| Husky | $41 | $495 |
| Welsh Springer Spaniel | $41 | $498 |
| Petit Basset Griffon Vendeens | $41 | $500 |
| Finnish Lapphund | $41 | $499 |
| Whippet | $42 | $500 |
| Miniature Fox Terrier | $42 | $501 |
| Icelandic Sheepdog | $42 | $505 |
| Norwegian Elkhound | $42 | $506 |
| Large Mix (Over 70 pounds) | $42 | $510 |
| Giant Mix (111 pounds+) | $42 | $509 |
| Large Mix (51-100 pounds) | $42 | $512 |
| Large Mix (61+ pounds) | $43 | $512 |
| Boston Terrier | $43 | $510 |
| Siberian Husky | $43 | $514 |
| Bearded Collie | $43 | $512 |
| Medium Mix (23-70 pounds) | $43 | $514 |
| Mixed Breed Large (51-90 lbs) | $43 | $512 |
| German Pinscher | $43 | $514 |
| German Spitz | $43 | $517 |
| Italian Greyhound | $43 | $517 |
| Australian Kelpie | $43 | $518 |
| Large Mix (55-90 pounds) | $43 | $523 |
| Wire Fox Terrier | $44 | $525 |
| American Foxhound | $44 | $526 |
| Welsh Terrier | $44 | $528 |
| Field Spaniel | $44 | $531 |
| Irish Terrier | $44 | $530 |
| Keeshond | $44 | $535 |
| Foxhound | $44 | $534 |
| Welsh Corgi Cardigan | $44 | $536 |
| Soft Coated Wheaten Terrier | $45 | $535 |
| Cavalier King Charles Spaniel | $45 | $540 |
| Standard Schnauzer | $45 | $546 |
| Mixed Breed | $46 | $551 |
| Pembroke Welsh Corgi | $46 | $548 |
| Welsh Corgi Pembroke | $46 | $548 |
| Mixed Dog (51-90 pounds) | $46 | $545 |
| Collie | $46 | $553 |
| Beagle | $46 | $555 |
| Giant Mix (110 pounds+) | $46 | $557 |
| Large Mix (60-109 pounds) | $46 | $557 |
| Medium Mix (26-59 pounds) | $46 | $557 |
| Small Mix (0-25) | $46 | $557 |
| Pointer | $46 | $556 |
| English Springer Spaniel | $46 | $558 |
| Pug | $47 | $559 |
| Bracco Italiano | $47 | $562 |
| Affenpinscher | $47 | $561 |
| Scottish Terrier | $47 | $563 |
| Smooth Collie | $47 | $563 |
| Harrier | $47 | $563 |
| German Shorthaired Pointer | $47 | $564 |
| Samoyed | $47 | $571 |
| Tibetan Terrier | $48 | $572 |
| Mixed Dog (91 pounds+) | $48 | $574 |
| English Setter | $48 | $575 |
| Alaskan Husky | $48 | $576 |
| Cocker spaniel | $48 | $579 |
| Standard Poodle | $49 | $585 |
| Basset Fauve de Bretagne | $49 | $585 |
| Rough Collie | $49 | $587 |
| Belgian Shepherd Malinois | $49 | $593 |
| Vizsla | $49 | $593 |
| Giant Mix (100 pounds+) | $49 | $590 |
| English Pointer | $50 | $601 |
| Portuguese Water Dog | $50 | $603 |
| Staffordshire Bull Terrier | $50 | $605 |
| Saluki | $50 | $607 |
| Italian Spinone | $51 | $610 |
| Corgi | $51 | $613 |
| Puli | $52 | $621 |
| Labrador Retriever | $52 | $624 |
| Briard | $52 | $622 |
| Irish Setter | $52 | $625 |
| Chow Chow | $52 | $623 |
| Alaskan Malamute | $52 | $627 |
| German Shepherd | $52 | $626 |
| Afghan Hound | $53 | $632 |
| Golden Retriever | $53 | $643 |
| Airedale Terrier | $54 | $649 |
| Akita | $54 | $649 |
| Old English Sheepdog | $54 | $656 |
| Hungarian Vizsla | $55 | $664 |
| Alsation | $56 | $667 |
| Miniature Bull Terrier | $57 | $689 |
| Dalmatian | $57 | $692 |
| Clumber Spaniel | $57 | $691 |
| Great Pyrenees | $58 | $694 |
| Bull Terrier | $58 | $693 |
| Rhodesian Ridgeback | $58 | $696 |
| Pitbull | $58 | $697 |
| Petit Basset Griffon Vendeen | $58 | $700 |
| Basset Hound | $58 | $698 |
| Komondor | $58 | $703 |
| Greyhound | $59 | $710 |
| Alsatian | $60 | $720 |
| American Staffordshire Terrier | $60 | $721 |
| Gordon Setter | $60 | $719 |
| Borzoi | $60 | $725 |
| Weimaraner | $60 | $727 |
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.
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 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. |
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.
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. |
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. |
Breed & age limitations | No breed exclusions or maximum age restrictions apply for new enrollments. |
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. |
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. |
70%, 80%, 90%, 100% | |
$100, $250, $500, $750 | |
$5,000, $10,000, Unlimited | |
*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 is worth it in 2026, thanks to its 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 competitive for budget-conscious pet owners seeking comprehensive protection.
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 (50% of score): Premium quotes for multiple breeds, ages and plan options, including available discounts, to reflect what you'd actually pay.
Customer Experience (30% of score): User feedback from Trustpilot and Reddit on Costco's claims handling and service responsiveness.
Coverage Options (20% of score): 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. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.
Sources
- Better Business Bureau. "Figo Pet Insurance, LLC." Accessed May 8, 2026.
- Trustpilot. "Figo Pet Insurance." Accessed May 8, 2026.