Costco dog insurance
Looking at Costco dog insurance? It helps to know that Costco doesn't write its own policy: it sells Figo's, with a discount for Costco customers. So the cover you'd get is exactly what Figo's policy says, and that's what we've summarised below, from Figo's own documents.
What does Costco pet insurance cover?
These are the main terms of Figo's policy, which is the one Costco sells. Where an insurance term needs explaining, there's a short note.
- Deductible you pay firstThe amount you pay towards vet bills before your insurer starts paying.
- Annual deductible, plus an optional per-incident copay
- Share of each vet bill it pays backAfter your deductible, the percentage of each vet bill your insurer pays back.
- Coinsurance shown on the declarations page
- Most it will pay out
- Annual maximum benefit, or a per-incident limit, shown on the declarations page
- Wait before illness is coveredThe time after you buy a policy before you can claim for an illness.
- 14 days
- Wait before accidents are covered
- 1 day for injuries caused by an accident
- Cover for pre-existing conditionsAnything your dog had, or showed signs of, before the policy started.
- Excluded, but a curable condition free of symptoms and treatment for 365 consecutive days is covered
- Vet exam fees
- Not covered unless the optional Office Visit and Exam Fees cover is bought
- Dental cover
- Dental illness covered if you follow your vet's dental advice, including an annual dental exam and recommended treatment; dental damage from an accident is covered
Everything Figo's policy covers, with where we found each point
Your questions answered
Who provides Costco pet insurance?
Figo. Costco offers Figo Pet Insurance to its members, underwritten by Independence American Insurance Company. So the cover is Figo's policy, and everything on this page comes from Figo's own documents.
Does Costco give a discount on pet insurance?
Yes. Costco's pet insurance page says: 15% off for Costco Gold Star and Business members, where available. Executive members get the 15% discount plus a lost pet recovery service from 24PetWatch.
How long is the Figo waiting period?
14 days
Does Figo cover pre-existing conditions?
Covered once your dog has been free of symptoms and treatment for 365 days in a row. Genetic, knee, orthopedic and chronic conditions never count as cured.
Does Figo cover vet exam fees?
Not covered unless the optional Office Visit and Exam Fees cover is bought
Does Figo cover behavioural training or a behaviourist?
Only with the optional Holistic and Alternative & Behavioral Problems cover.
Who provides the cover and the discount are from Costco's own website; the policy terms are from Figo's own documents, read in October 2026. Terms can differ by plan and state, so check the policy before you buy.
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