{"id":220,"title":"Costco Members Have Access to Figo Pet Insurance Options","slug":"pet-insurance-and-community-support-a-good-way-to-afford-pet-care-in-the-us","lang":"en","description":"Costco’s pet insurance program is provided through a partnership with Figo Pet Insurance, which offers members access to discounted coverage for their pets. Plans are available in three tiers with optional “powerups” for added benefits.","content":"

Overview

Figo’s policies include coverage for accidents, illnesses, cancer care, and chronic conditions. Preexisting conditions and certain limitations apply. There is no maximum age limit for enrolling pets. Costco Pet Insurance through Figo is available in all U.S. states except Tennessee.

How Much Does Costco Pet Insurance Cost?

Figo’s sample monthly premiums start around $38 for dogs and $18 for cats, based on data from independent insurance sources. These are illustrative examples only; actual costs depend on your pet’s breed, age, and location.

What Does Costco Pet Insurance Cover?

Figo offers coverage for a range of medical needs and treatments, such as:

Chronic and hereditary conditions
Hip dysplasia and cancer treatment
Diagnostic testing
Chiropractic and acupuncture
Prescription medication
Mobility aids
Some curable preexisting conditions

Figo provides three coverage levels:

Value Plus: 70% reimbursement, $5,000 annual limit, $750 deductible
Most Popular: 80% reimbursement, $10,000 limit, $250 deductible
Higher Coverage: 90% reimbursement, no annual limit, $500 deductible

A customizable plan is also available, allowing members to adjust deductible amounts, reimbursement rates, and annual limits. Options range from $5,000 to unlimited annual coverage, with deductibles between $100 and $1,500 and reimbursement up to 100%, subject to eligibility.

Optional Add-Ons (“Powerups”)

Wellness Powerup
Provides limited reimbursement for preventive services such as exams, vaccines, spaying/neutering, dental cleaning, and microchipping. Two plan levels are available: Basic and Plus.

Vet Exam Fees Powerup
This option can cover a portion of exam and prescription food costs (up to $250 annually) not included in the base plan.

Coverage Limitations

Preexisting Conditions:
Conditions that occur or show symptoms before coverage starts, or during a waiting period, are excluded.

Experimental Procedures:
Figo does not cover cloning, experimental treatments, or certain elective and cosmetic procedures (such as declawing).

Breeding and Pregnancy:
Expenses related to breeding or pregnancy are excluded, though postpartum complications may be eligible for review.

Spaying/Neutering:
These are only reimbursed under the Wellness Powerup, subject to annual limits.

Additional terms and exclusions apply as described in each policy document.

Costco Member Discounts

Membership Savings: Costco Gold Star and Business members may receive a 15% discount on Figo coverage. Executive members may also have their enrollment fee waived in most states.
Multi-Pet Discount: Members insuring more than one pet can receive a small percentage off each additional policy.
Diminishing Deductible: Deductibles can be reduced over time for policyholders with no claims.
Referral Benefits: Members may qualify for limited discounts or incentives through Figo’s referral program.

Filing a Claim

Claims can be submitted online, by email, fax, or phone through Figo’s Pet Cloud system.
Required documentation generally includes:

Your pet’s recent medical records (up to 12 months)
Paid veterinary invoices
Details for all treating veterinarians

For assistance, members can contact Figo Claims Support or visit figopetinsurance.com for forms and instructions.

Waiting Period

Figo policies typically have:

1-day waiting period for accidents
14-day waiting period for illnesses

This means that conditions occurring during these periods are not eligible for reimbursement.

Bottom Line

Costco’s partnership with Figo allows members to access flexible, customizable pet health insurance options with membership-based discounts. While exclusions and waiting periods apply, the plans offer broad coverage for common medical needs and optional preventive care add-ons.

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