Figo Pet Insurance Review 2026: Costco Discount & Tech

Figo markets itself as the insurance for the “Modern Pet Parent.” They have the best App (Pet Cloud), they have a cool GPS collar integration, and they have a massive partnership with Costco.

In 2026, if you shop at Costco, Figo is almost impossible to beat on price.

🌟 The Costco Connection

The Deal:

Gold Star Members: ~15% Discount on premiums.
Executive Members: Waived $15 enrollment fee.
Value: On a $60/month policy, the discount saves you $108/year. That basically pays for your Costco membership.

📋 Coverage: The “Powerups”

Figo’s base plan is solid, but you build it with “Powerups” (Add-ons).

1. Extra Care Pack (Highly Recommended)

For a few dollars a month, this covers:

Vet Exam Fees (Critical).
Burial/Cremation.
Lost Pet Advertising/Reward.
Property Damage Liability (If your dog destroys someone’s property… up to $10k. Very unique!).

2. Veterinary Advice

Access to 24/7 Live Vet Chat via the app. In 2026, getting a vet appointment takes weeks. Being able to text a vet “Is this vomit emergency?” at 2 AM is worth gold.

❌ The “Bad” (Knee Caps)

Orthopedic Waiting Period: Figo has a 6-month waiting period for knee injuries (Cruciate/Patella).

Workaround: You can waive this if you get a vet exam within the first 30 days asserting the knees are healthy. DO THIS.

💰 Verdict

If you have Costco: BUY IT. The price-to-performance ratio is unbeatable.
If you hate Apps: Maybe not for you. Figo is heavily digital-first.

Frequently Asked Questions

Do I need to be a Costco member?

No, anyone can buy Figo. BUT, Costco members get the waived enrollment fee ($15) and a ~15% discount. It's usually worth joining Costco just for this.

What is the 'Extra Care Pack'?

It's an add-on that covers exam fees, cremation, and 'third party liability' (if your dog breaks a neighbor's vase).

Is the claim process fast?

Yes. Figo claims to close basic claims in 3 days. Their 'Pet Cloud' app lets you text a vet 24/7.