Unexpected veterinary expenses can present a significant financial challenge for pet owners. To help address this, Costco offers an exclusive pet insurance program through Figo Pet Insurance—underwritten by Independence American Insurance Company—designed to provide comprehensive coverage for dogs and cats, along with member-specific savings and support services.
Exclusive Member Benefits
Costco Gold Star and Business members are eligible for a 15% discount on pet insurance premiums through Figo in most states. Executive Members receive the same premium discount plus access to Lost Pet Recovery services powered by 24PetWatch, offering an added layer of protection if a pet goes missing.
New policyholders may also qualify for a $25 Digital Costco Shop Card after enrollment. This promotion is not available to residents of Alaska, Illinois, Pennsylvania, Rhode Island, Texas, or Virginia. All offers are subject to terms displayed during the checkout process.
Comprehensive Accident and Illness Coverage
Plans cover veterinary costs related to unexpected accidents and illnesses. Covered services may include emergency care, hospitalization, surgeries, diagnostic imaging, prescription medications, hereditary and congenital conditions, chronic diseases, dental illness or injury, and consultations with veterinary specialists.
Optional add-ons may be available, including Veterinary Exam Fee coverage and a Routine Wellness Plan, which can help manage the cost of preventive care such as annual exams, vaccinations, and routine dental cleanings—features not commonly included in standard pet insurance policies.
24/7 Vet Support and Digital Claims
Policyholders have access to Live Vet 24/7, enabling real-time text communication with licensed veterinarians or vet technicians from home. Claims can be submitted digitally through the Figo mobile app or online portal, with most reimbursements processed within a few business days.
Customizable Coverage Options
During enrollment, users can tailor their plan by selecting from multiple options for deductible, reimbursement level, and annual benefit limit. These choices allow coverage to be aligned with individual budget preferences and pet health needs. Exact available configurations are presented in the quoting tool on the official enrollment page.
Policy Terms and Exclusions
As with most pet insurance policies, pre-existing conditions are not covered. A condition is considered pre-existing if signs or symptoms were present before the policy’s effective date or during any applicable waiting period. Waiting periods apply and vary by condition type.
Additional exclusions typically include spaying or neutering, breeding-related procedures, cosmetic surgery, experimental treatments, and cloned animals. Full terms, conditions, and state-specific variations are disclosed during the application process.
Transparent Partnership Structure
Insurance policies are underwritten solely by Independence American Insurance Company, a licensed carrier. Costco Insurance Agency, Inc. acts as a licensed agent and may receive compensation but does not underwrite policies or pay claims. In New York, policies are not offered through Costco Insurance Agency, Inc.
All product features, discounts, and eligibility criteria are subject to change and may vary by state.
Strategic Value for High-Intent Search Queries
This offering directly addresses commercial search intent for queries such as “pet insurance that covers hereditary conditions,” “Costco Figo pet insurance discount,” or “pet insurance with exam fee coverage.” By combining trusted brand affiliation, transparent coverage scope, rapid support tools, and exclusive member incentives, the program aligns with Google’s quality standards for informative, conversion-oriented content while supporting strong performance in competitive insurance-related search categories.
For pet owners seeking financial predictability and proactive health management, the Costco-Figo pet insurance solution represents a strategically valuable resource within the broader ecosystem of pet care offerings available through Costco membership.
