Is Costco pet insurance the best for you?

James James updated on 19 July 2022

There are many different types of insurance for humans – health insurance and life insurance, to name a few of the most common types. Insurance isn't just for humans though! Some people are surprised to learn that insurance coverage for your pets also exists. If you are a pet parent, you know 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 $2,150 in 2021 caring for their animal? For dog owners, this number came in even higher at $2,912. 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, what makes it unique and why it may be right for you.

Our review of Costco pet insurance

Continue below for Costco pet insurance pros and cons:

Here is what HelloSafe thinks about Costco pet insurance:

Why Costco could be right for you:

Costco offers very generous pet insurance discounts
Insurance from Pets Plus Us, a trust pet insurance brand

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.

Protect your furry friend

Pet insurance quotes in just seconds

What does Costco pet insurance cover?

Costco offers an Accident Plan and an Accident and Illness Plan.

Our chart summarizes both plans.



Accident & Illness



$7,500, up to $15,000


Illness not covered

$7,500, up to $15,000

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 are looking for. Therefore, it will be important to get an individual quote customized for your unique needs.

Before settling on Costco travel insurance shop around! You can quickly and anonymously compare prices from leading travel insurance companies using our tool:

Protect your furry friend

Pet insurance quotes in just seconds

How do I purchase a plan with Costco?

If you want to see more detailed information on the plans Costco has available and make a purchase, you can do so by visiting their site or by calling 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 insurer?

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

Inquiries and quotes 1-855-887-7387

How do I file a claim with Costco?

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!

Protect your furry friend

Pet insurance quotes in just seconds

Good to know

Are you unsure of how pet insurance works? Our pet insurance guide will answer all your questions.

Did you like this article?