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Thread: Pet Insurance - Costco

  1. #1
    Join Date
    Oct 2014
    Posts
    286

    Pet Insurance - Costco

    I just found out that Costco offers pet insurance. (on Costco.ca search 'my pet'). 4 year old GWP, 80% coverage, 300 deductible, 15K/year max = 65 bucks a month.

    That's 20 bucks a month cheaper than other quotes I got.

    I am an executive Costco member so that does give a better discount.

    Just thought someone might want to know. For me 65 bucks a month is a no brainer. YMMV.

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  3. #2
    Join Date
    Dec 2007
    Location
    Hope & Tulameen
    Posts
    7,146

    Re: Pet Insurance - Costco

    Trupanion on our 2 year old: 90% , no annual limits, $700 deductible, $65.15 / month.
    All depends on what is / isn't covered.
    I took a higher deductible on her to save a few $$ on the premise that a younger dog generally doesn't have any real problems.
    We've had her @ 5 months and oops, had a really bad case of Giardia, ran up a total of @ $1,500.
    Oh well.

  4. #3
    Join Date
    Oct 2010
    Posts
    1,385

    Re: Pet Insurance - Costco

    I could not justify pet insurance in the past, for the price I felt was better off saving the premiums and paying out of pocket for unexpected medical bills.....outside of vaccines and annual checkups, I've incurred life to date costs just under 1k combined for both dogs

    recently got a trupanion quote

    male, retriever, intact, 7 years old, no annual limit, 90% coverage, $700 deductible = 119.89/month
    female, retriever, spayed, 7 years old, no annual limit,90% coverage, $700 deductible = 122.18/month


    Costco quote - gold member 10% discount

    male with same info - 15k/year limit, 90% coverage, $500 deductible = 75.15
    female with same info - 15k/year limit, 90% coverage, $500 deductible = 75.15

    of course the devil is in the details with coverage, and still need to review the costco coverage, but it does seem competitive on first review
    Unfortunately, the rifles are getting lighter because we are getting heavier and more unfit as a society. This is the key to the mainstream acceptance of the short magnums. - Nathan Foster

  5. #4
    Join Date
    Oct 2008
    Location
    Jordan River
    Posts
    2,998

    Re: Pet Insurance - Costco

    Trupanion all the way, we have spent over $20,000 on our baby, never had one problem on coverage, great service
    Tinder King

  6. #5
    Join Date
    Dec 2007
    Location
    Hope & Tulameen
    Posts
    7,146

    Re: Pet Insurance - Costco

    Quote Originally Posted by BRvalley View Post
    of course the devil is in the details with coverage, and still need to review the costco coverage, but it does seem competitive on first review
    And that statement applies to all forms of Insurance.
    It's not the premium that matters, it's the coverage.
    Spent 50 years or so in the Insurance Industry and have always bought based on coverage, not premium.
    As per Piperdown, we went through a lengthy experience ( cancer ) with one of our dogs with bills of @ $25,000.
    Trupanion was great all the way.

  7. #6
    Join Date
    Oct 2010
    Posts
    1,385

    Re: Pet Insurance - Costco

    it's good to hear members sharing their positive experiences with Trupanion.....there seems to be many more negative reports than positive reports online, regardless of what insurance provider you research
    Unfortunately, the rifles are getting lighter because we are getting heavier and more unfit as a society. This is the key to the mainstream acceptance of the short magnums. - Nathan Foster

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