Know who handles the policy
The Canadian program is underwritten by Northbridge General Insurance Corporation. The Costco name does not make the warehouse your claims department.
Costco pet insurance in Canada is a Pets Plus Us member offer. The discount can reduce your premium, but the policy’s limits, exclusions and your share of a claim still matter. This guide helps you compare the member pricing, choose between accident-only and accident and illness cover, and plan for veterinary costs where you live.
Yes, if you are comparing the Pets Plus Us policy and its final member price against other suitable quotes. A discount alone does not show which policy fits your pet. Start with the coverage you need, then compare the premium and the amount you would pay after a claim.
The Canadian program is underwritten by Northbridge General Insurance Corporation. The Costco name does not make the warehouse your claims department.
A membership discount reduces eligible premium costs. It does not increase the annual benefit limit or remove exclusions.
Use the same pet details and similar coverage settings on every quote. A larger discount can still produce a higher final premium.
Program and insurer: official Pets Plus Us Costco offer. This review concerns Canada; do not use U.S. Costco insurance details as Canadian terms.
| Membership | Advertised preferred rate | What to confirm |
|---|---|---|
| Executive | 15% off | Discount shown on your quote |
| Gold Star | 10% off | Membership validation requirements |
| Business, non-Executive | 10% off | Applicable offer and exclusions |
The Costco page also advertises a complimentary first month for new Pets Plus Us clients. Confirm eligibility, how it appears in the payment schedule, and any terms before relying on that saving.
Source: Costco Canada’s pet insurance offer. Promotions can change; use the current quote rather than an old advertisement.
Compare the extra annual insurance saving with the extra membership cost. For illustration only, if the eligible premium before either discount were $1,200 a year, 10% off would save $120 and 15% off would save $180. The additional saving would be $60, not another 15% of the discounted price.
This is not a pet insurance quote or a current membership-fee calculation. Ask whether discounts apply to all premium components, whether other offers combine, and what happens if your membership level changes.
| Plan | Annual limit | Key distinction |
|---|---|---|
| Accident | $5,000 | Eligible accidental injuries; no illness cover |
| Accident and illness | $7,500 or $15,000 | Eligible injuries and illnesses, subject to exclusions |
Limits: official Costco partner offer linked above. Product features can vary by province, territory and eligibility. Request the documents for the plan actually offered to you.
Accident-only cover can leave a large gap if your main concern is a future illness. Check the diagnosis categories you want help with rather than choosing from the premium alone. The coverage guides explain the terms to compare.
Pets Plus Us describes wellness as an optional paid addition to accident and illness insurance. Ask whether it is offered with your quote, which services it reimburses and what separate limits apply. Do not assume vaccines or routine exams are included in the base policy.
Source: Pets Plus Us wellness overview.
The published accident and illness overview lists a 48-hour accident wait and a 14-day illness wait. Earlier symptoms and conditions arising during the applicable wait can be excluded. Ask for exact effective dates and read any exclusions before changing an existing policy.
Source: Pets Plus Us accident and illness overview. Do not postpone needed care while waiting for insurance to begin.
Ask for your annual deductible and co-insurance on the written quote. Pets Plus Us explains that co-insurance is applied before any unpaid deductible.
Assume $2,000 in fully eligible expenses, 80% reimbursement, a $300 unpaid deductible and sufficient remaining benefits.
$2,000 × 80% − $300 = $1,300 reimbursed. Your share is $700, plus any charges that do not qualify.
This is an illustration, not a local vet fee estimate or confirmation of a deductible offered for your pet.
Keep the clinic’s required payment separate from the eventual reimbursement. Even a claim that qualifies can require you to fund the bill first. Ask about next year’s deductible and renewal terms as well as the first-year premium.
Use the Quebec offer and request documents in your preferred language. Ask who handles policy questions and claims; the program’s Quebec distribution details differ from the rest of Canada.
If your vet is across the river, use your actual province of residence on the quote. Confirm the clinic’s deposit rules and how it supplies records. The warehouse you shop at does not determine your insurance address.
Ask your regular vet where it refers urgent or specialist cases. Keep the receiving hospital’s payment requirements with your policy details. A nearby Costco warehouse is not a veterinary referral or claims service.
If care involves travelling into a regional centre, keep fuel, lodging and time away separate from the medical estimate. Ask whether any specific travel expense qualifies rather than assuming the annual medical benefit covers the whole trip.
The provider states availability across Canadian provinces and territories, but features and discounts can vary. These local examples are planning questions, not verified clinic listings or claims that premiums are the same everywhere.
Source: Pets Plus Us claim instructions and cost-sharing explanation. The published process says to pay the vet first. Direct deposit reimburses you; it does not mean the clinic receives payment at checkout.
For a disputed assessment, use the insurer’s review process rather than a Costco merchandise return counter. Confirm the submission deadline in the applicable policy guides and forms.
Use our provider reviews and side-by-side comparisons to check benefit limits, exclusions and payment arrangements beyond the member discount.
The member offer is through Pets Plus Us, with Northbridge General Insurance Corporation identified as the underwriter. Use the policy documents for the correct service and claims contacts.
The published offer lists 15% for Executive members and 10% for Gold Star and non-Executive Business members. Confirm the applicable discount on your current quote.
The Costco page advertises a complimentary first month for new Pets Plus Us clients. Check eligibility and the payment schedule before counting it in your budget.
The advertised difference is the premium discount. Your selected insurance plan determines its benefit limit; do not assume membership upgrades add medical coverage.
No. The accident plan is for eligible injuries. Compare accident and illness cover if you also want help with future eligible illnesses.
Pets Plus Us states availability in all provinces and territories, including Quebec. Confirm the Quebec offer, distribution details and applicable documents.
Ask the provider to confirm the treatment-location rules and ask your clinic about payment. Eligibility for reimbursement does not establish a direct-billing arrangement.
Use Pets Plus Us claims instructions and the current member portal. A warehouse customer-service desk is not the policy’s claims route.
No. The discount affects pricing, not medical eligibility. Ask how earlier symptoms and treatment affect the proposed policy.
Compare exclusions, waiting periods and ongoing care first. A lower premium may not offset losing coverage for a condition already insured under your current plan.
Have your membership level, home address, pet details and health history ready. Request the final premium, deductible, exclusions and benefit limit together so you can compare the whole policy.
A quote does not activate insurance or confirm a future claim.
Sources checked: 30 August 2026. This review uses official Costco Canada and Pets Plus Us pages linked beside the relevant details. Offers can change, and policy terms take precedence over promotional summaries.
We have not purchased the policy, tested claims or verified any clinic’s payment arrangements. Local scenarios are planning prompts. Savings and claim calculations are illustrations, not quotes. No customer rating, city-level premium average or guaranteed outcome is asserted.