Is Costco pet insurance the best in 2024?

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Information verified by  Alexandre Desoutter

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Alexandre Desoutter updated on 27 June 2023

If you are a pet parent, you know vet bills can be substantial and usually come when you are least prepared for them. Pet insurance can be a real relief and help guarantee your ability to pay for quality care at the veterinarian.

At some point, most pets get sick or injured. This can result in expensive visits to the vet. Did you know that the average cat owner in Canada spent nearly $2,800 in 2022 caring for their animal? For dog owners, this number came in even higher at $3,500 and above. The cost of caring for an animal is increasing every year according to a study from HelloSafe’s team.

This guide to Costco pet insurance explains what it has to offer, its pros and cons, prices, what makes it unique and why it may be right for you.

Our 2024 review of Costco pet insurance

There are many offers on the market when it comes to protecting your furry friends: Trupanion, Fetch, Figo, Lemonade... In comparison, is Costco's pet insurance good?

Almost everyone is familiar with Costco and rely on it for groceries, household goods, medications, even eyeglasses. Did you know they also offer pet insurances for dogs? And other animals?

Costco offers Pet Plus Us insurance options for your pet. You must have a Costco membership to obtain pet insurance. They have two plans to choose from - the Accident plan and Accident and Illness plan. They also offer a wide range of discounts for being a Costco member.

Here is what HelloSafe thinks about Costco pet insurance pros and cons:

Why Costco could be right for you:

Costco offers very generous pet insurance discounts
Insurance from Pets Plus Us, a trust pet insurance brand
Multiple deductibles and 100% reimbursement option
One-day accident waiting period

Why Costco may not be right for you:

You can only obtain a policy if you are a Costco member
They only have two plans to choose from

Compare quotes and options before choosing pet insurance with Costco. A little shopping around can help you to save money and find the coverage that fits your needs:

Compare the best pet insurance plans on the market!

Get a quote

What does Costco pet insurance cover?

Costco's pet health insurance is offered in collaboration with PetsPlusUs and it gives customers two options — an Accident Plan and an Accident and Illness Plan.

Our chart summarizes both plans:



Accident & Illness


70%, 80%, 90%, 100% reimbursement based on deductible

70%, 80%, 90%, 100% reimbursement based on deductible



$7,500, up to $15,000


Illness not covered

$7,500, up to $15,000

Deductible choice

$100, $250, $500, $750

$100, $250, $500, $750

Comparison of Costco pet insurance plans

How much does a policy with Costco cost?

The price of pet insurance coverage with Costco will vary depending on your situation. For example, the age, size or breed of your animal. Also, the type of coverage you need. Do you need a cat insurance, or a dog insurance? Therefore, it will be important to get an individual quote customized for your unique needs.

Before settling on Costco pet insurance, make sure to compare all the best offers currently on the market using our frre online tool below:

Compare the best pet insurance plans on the market!

Get a quote

How do I purchase a pet insurance plan with Costco?

If you want to see more detailed information on Costco pet insurance and make a purchase, you can do so by visiting their website or by calling the following phone number: 1-855-887-7387.

  • If you are a Gold Star and Business Members (non-Executive), you will receive a preferred rate of 10% off.

  • If you are an Executive Member, you will receive a preferred rate of 15% off.

The first month is complimentary for all new Pets Plus Us Us clients.

How can I contact Costco pet insurance?

This is the best way to get in touch with Costco:

  • Inquiries and Costco pet insurance quotes can be obtained at the following phone number: 1-855-887-7387

How do I file a claim with Costco pet insurance?

If you need to file a claim for your pet, you can log in to your customer's account on Costco's website.

Same goes if you want to download a claim form.

How to cancel Costco pet insurance?

If you'd like to cancel your Costco Pet Insurance brought to you by PetsPlusUs, you can call the following number: 1-800-364-8422; or submit a fax: 1-855-456-PETS (7387).

You could also email them at [email protected], and take it forward from there.

Can I transfer my Costco policy?

You might find yourself in a situation where you would like to change your pet insurance provider, for example, to get a better deal. When doing so, there are some factors to take into consideration:

  • Difference in coverage - a medical condition may be considered pre-existing to the new insurer at the time of enrolment, and, therefore, not being covered.
  • There may be an unavoidable waiting period before your new policy begins.
  • Immediate savings of a new policy may ultimately cost more in the long run - the cost of on-going treatment.

How much pet insurance do I need?

How much pet insurance you need will depend on many different factor. These include your pets:

  • Age
  • Sex
  • Breed
  • Existing health conditions
  • Current health

It is important to choose the right policy that meets the needs of both your pet and yourself. This is to ensure that if a problem arises, it will be covered by your insurance. Take time to shop around and compare insurers by using our comparison tool:

Compare the best pet insurance plans on the market!

Get a quote

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Alexandre Desoutter

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.