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Pet Insurance

Service Provided by Figo
Get a Free Quote Call 1-844-200-2607
A woman sitting on the couch with her pet dog

Costco Members Could Save through Figo Pet Insurance

Quality, affordable pet insurance can help pay for unexpected veterinary bills. As a Costco member, you may be eligible to receive an exclusive discount on plans provided through Figo Pet Insurance.

Provided by
Pet Health Insurance: Less Worry For Pet Parents
Underwritten by Independence American Insurance Company

Help protect your pet from the unexpected

Pets are a part of the family. From Kirkland Signature™ pet food and dog beds to pet prescriptions from the Costco Pharmacy, your Costco membership can help you take care of your pet. Figo is excited to offer pet insurance through Independence American Insurance Company to Costco members at an exclusive discount.

Worry less, play more. With pet insurance, you’ll feel confident that your pet can receive medical treatment and help reduce costly vet bills.

Costco Gold Star Member card Costco Business Member card
Gold Star & Business Members
15% Discount*
Costco Executive Member card
Executive & Business Executive Members Save Even More!
15% Discount + $15 Enrollment Fee Waived1
Cat sitting on a couch

What is Pet Insurance?

Pet medical insurance can help reduce financial stress when choosing care for your dog or cat.

For a monthly premium based on your pet's age, breed, location and the plan you choose, your pet’s medical expenses may be reimbursed back to you up to 100%. Once you’ve completed any applicable waiting periods, simply submit your paid-in-full vet bill online or via Figo's Pet Cloud app.

Quality Coverage

A pet healthcare plan can help reduce financial stress when choosing veterinary care.

Live Vet 24/7

Connect with a licensed vet or vet technician via text so you can get expert advice when you need it, right from home.

VIP Support

Figo is here to help. The expert support team is here for you every step of the way via call, text, chat or email.

15% Costco Member Discount*
Costco Executive Member card $15 Enrollment Fee Waived for Executive Members1

Pets are a part of the family

Feel confident saying “yes” to healthcare for your pet.

Get a Free Quote

What does Pet Insurance cover?

Plans* offered through Figo pet insurance can cover the veterinary bills related to unexpected accidents or illnesses. Typically, plans cover:

  • Emergency & Hospitalization
  • Surgeries
  • Veterinary Specialists
  • Hereditary & Congenital Conditions
  • Chronic Conditions
  • Dental Illness and Injury
  • Prescriptions
  • Imaging
  • Knee Conditions
  • Prosthetics & Orthopedics
  • Hip Dysplasia
  • Veterinary Exam Fees (Optional add-on)
  • Routine Wellness Plan (Optional add-on) Includes Routine Dental Care
  • For complete list of coverages, get a quote.

What isn't covered by Pet Insurance?

Most pet insurance companies will not cover pre-existing conditions, or those conditions that show signs or symptoms prior to the policy effective date or during any applicable waiting periods. However, pre-existing conditions do not exclude pets from pet insurance, as new illnesses and injuries can still be covered.

Plans* do not cover:
  • Pre-existing conditions
  • Spaying or Neutering
  • Experimental Procedures
  • Breeding, Pregnancy, or Giving Birth
  • Cloned Pets or Cloning Procedures
  • Cosmetic Surgery

More than just pet insurance

Beyond coverage, Figo's Pet Cloud makes it easy to file claims, find pet-friendly places near you and keep track of your pet's medical records.

Multiple mobile devices

A.I. Assistant

Submit claims from the app or online.


Know where to go. Find pet-friendly places and services.


See what other pet parents are up to.

Digital Records

Store all your pet’s medical records in one place.

We love Figo! I am so happy with pet insurance because having a sick pet is scary enough. Not knowing how to pay to get the care your pet needs is even worse, but avoidable with Figo!”

– Becca H., Los Angeles, CA

Health Insurance for Dogs and Puppies

The bond between humans and dogs spans the duration of our lives (and theirs).

Whether your (very) active puppy eats a sock or your older pooch develops hip dysplasia, dog health insurance plans can provide a financial safety net. Simply visit the veterinarian and submit your paid vet bill for reimbursement.

As early as eight weeks and without upper age limits, you can find and customize a plan that’s right for your dog. Coverage continues as your dog ages, giving you more time to spend together on important things – like puppy play dates, fetch, and snuggles on the couch.

Get a Dog Insurance Quote

Health Insurance for Cats and Kittens

Cats are known for their independent streak, but they still need your care.

Whether your kitty gets a urinary tract infection or takes a bite out of your Peace Lily, cat insurance plans can help you choose medical care without worrying about crippling vet bills. You have the option to choose from one of three plans with reimbursement percentages and annual deductibles that suit your budget.

From an eight-week-old kitten to a senior cat, you can find the plan that's right for you. Without the stress of vet bills looming overhead, you'll have the freedom to focus on things like cuddling, playing and posting (even more) pictures of your sleeping cat looking absolutely adorable.

Get a Cat Insurance Quote
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Other Insurance Options for Costco Members

Auto & Home Insurance

Service Provided by CONNECT, powered by American Family Insurance
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Business Health Insurance

Service Provided by CBC
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Term Life Insurance

Service Provided by Protective
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*Program is not currently available in TN. Eligibility restrictions apply. Policies are underwritten and issued by the insurer, Independence American Insurance Company, 485 Madison Avenue, New York, New York 10022. Policies and claims are administered by Figo Pet Insurance, LLC, 540 N Dearborn Street #10873, Chicago, IL 60610. Costco Insurance Agency, Inc. is a licensed insurance agent. Costco Wholesale, Costco Insurance Agency, Inc., and its subsidiaries do not underwrite insurance or pay claims. Costco Insurance Agency, Inc.'s California license number is 0D08407. Costco Insurance Agency, Inc. is not licensed in New York state. Insurance products are not obtained through the Costco Insurance Agency, Inc. in New York.

1No Enrollment Fee for Costco Executive Members (except in RI and MI). Non-Executive Members pay a $15 enrollment fee (except in MD and NY).