Costco Pet Insurance Reviews: An Honest 2025 Guide for Pet Owners

Choosing the right pet insurance can feel overwhelming—especially when every provider claims to offer the best value.

This is why Costco pet insurance reviews are trending in the USA and UK. Many pet owners want to know whether Costco truly offers affordable and reliable coverage through its partner, Fetch by The Dodo.

In this in-depth guide, you’ll learn exactly how Costco’s pet insurance works, what real users are saying, how much it costs, and whether it’s ultimately worth your money.

What Is Costco Pet Insurance? (Quick Overview)

Costco doesn’t directly sell pet insurance. Instead, it partners with Fetch by The Dodo, a well-known pet insurance provider in the US and UK.

Costco members can purchase policies through this partnership—often at a discounted rate.

Key Highlights:

Policies are underwritten and managed by Fetch by The Dodo
Exclusive discounts for Costco members (up to 15% in many states)
Covers dogs and cats only
Comprehensive accident + illness plans
No wellness or routine care add-ons

For people who already love Costco for its bulk savings and membership perks, this partnership is a natural extension of their benefits.

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Costco Pet Insurance Reviews: What Customers Are Really Saying

To create unbiased insights, we reviewed verified customer feedback from platforms like Trustpilot, Reddit, Facebook groups, and pet-care forums.

1. Positive Costco Pet Insurance Reviews

Many customers appreciate the following:

✔ Wide Coverage

Fetch is known for offering one of the most comprehensive accident-and-illness plans, covering:

Emergency treatment
Surgery
Lab tests & diagnostics
Specialist care
Prescription medications
Dental accidents & illnesses
Cancer treatment
Chronic conditions

PetMD and the ASPCA both stress the importance of early insurance coverage because pets are prone to sudden injuries and chronic conditions as they age. Fetch aligns well with these expert recommendations.
(Reference: https://www.petmd.com/ & https://www.aspca.org/)

✔ Strong Discounts for Costco Members

Many reviewers highlight savings of 10–15% per year, which can add up over time.

✔ Great Digital Experience

Users praise:

Easy claims through the mobile app
Fast reimbursements
Simple policy management

2. Negative Costco Pet Insurance Reviews

While reviews are mostly positive, there are common concerns:

✘ Premiums Increase Over Time

Like most insurers, Fetch raises premiums annually due to:

Inflation
Rising vet care costs
Pet age

Some customers feel the increases are higher than expected.

✘ No Wellness Coverage

Costco/FETCH does not cover:

Vaccinations
Routine checkups
Grooming
Dental cleanings

Users looking for an all-in-one package are sometimes disappointed.

✘ Waiting Periods

There is a standard waiting period of:

15 days for accidents/illness
6 months for orthopedic conditions (dogs only)

Many customers wish these were shorter.

Costco Pet Insurance Coverage Explained (2025)

Fetch offers one comprehensive plan with multiple adjustable options.

What’s Covered?

This includes conditions and treatments recommended by leading organizations like the RSPCA:
https://www.rspca.org.uk/

Accidents & illnesses
Hospitalization
X-rays, ultrasounds & MRIs
Breed-specific conditions
Behavioral therapy
Alternative therapies (acupuncture, chiropractic)

What’s NOT Covered?

Pre-existing conditions
Wellness & routine care
Spay/neuter
Breeding/pregnancy
Cosmetic procedures

For many pet owners, the broad medical coverage is a major advantage. But those needing preventive care coverage may need a separate routine-care plan.

Costco Pet Insurance Costs: How Much Will You Pay?

Cost varies depending on factors like:

Location
Pet breed
Age
Deductible
Reimbursement rate
Annual limit

Here’s an estimated range based on 2025 data:

Average Monthly Cost:

Dogs: $35–$85/month
Cats: $20–$45/month

Example Pricing (Based on USA averages):

Pet	Age	Breed	Est. Price
Dog	1 year	Golden Retriever	$55–$70/mo
Dog	3 years	French Bulldog	$65–$90/mo
Cat	2 years	Domestic Shorthair	$22–$35/mo
Cat	5 years	Persian	$28–$40/mo

Factors That Increase Price

Older pets
High-risk breeds like:
- Bulldogs
- German Shepherds
- Maine Coons
Low deductibles
High reimbursement rates

How Costco’s Pet Insurance Compares to Competitors

1. Costco vs. Healthy Paws

Feature	Costco (Fetch)	Healthy Paws
Wellness	No	No
Dental Illness	Yes	Limited
Chronic Conditions	Yes	Yes
Price	Slightly higher	Often lower

2. Costco vs. ASPCA Pet Insurance

ASPCA Pet Insurance offers wellness coverage, which Costco lacks.

3. Costco vs. Lemonade

Lemonade is cheaper but not as broad in terms of coverage options.

Who Should Choose Costco Pet Insurance?

Costco’s Fetch plan is ideal for:

✔ Pet owners who want strong medical coverage

Fetch has some of the best accident-and-illness coverage in the industry.

✔ Existing Costco members

Discounts make the policy more affordable.

✔ People with young pets

Enrolling early helps avoid pre-existing condition exclusions and keeps premiums lower.

✔ Owners who need dental + chronic illness coverage

Fetch excels in these areas.

Who Should Not Choose It?

It may not be the best fit if:

✘ You want routine care coverage
✘ Your pet is already older or has chronic conditions
✘ You prefer fixed pricing or lower annual increases

In these cases, consider ASPCA, Lemonade, or Spot.

How to Maximize Your Costco Pet Insurance Benefits

Here are practical tips to get the best value:

1. Choose a Higher Deductible

Raises your annual out-of-pocket cost but lowers premiums significantly.

2. Enroll When Your Pet Is Young

Avoid pre-existing condition exclusions and enjoy cheaper rates.

3. Submit Claims Promptly

Use the Fetch mobile app for:

Faster processing
Clear documentation
Tracking reimbursements

4. Focus on High-Value Coverage

Use Costco insurance primarily for:

Emergencies
Surgeries
Chronic conditions
Cancer treatment

These are where Fetch provides the biggest financial benefit.

Is Costco Pet Insurance Worth It? (Final Verdict)

Based on our analysis of Costco pet insurance reviews, customer feedback, pricing trends, and coverage depth:

Yes — Costco pet insurance is worth it for most pet owners, especially those who:

Want high-quality medical coverage
Already have a Costco membership
Prefer a reputable insurer like Fetch
Need dental and chronic condition coverage

However, if you want routine care or the lowest monthly price, this policy may not be the best match.

Conclusion: Protect Your Pet’s Health and Your Wallet

Unexpected vet bills can reach $2,000–$10,000—and that’s why thousands of people rely on insurance from Fetch via Costco. If you want dependable coverage, strong member discounts, and a trusted provider, Costco’s pet insurance is a smart, long-term investment.

👉 Ready to explore your options? Compare plans and read more expert guidance at:

Your pet deserves the best protection — and you deserve peace of mind.

Costco Pet Insurance Reviews: Is It Worth It in 2025?