Costco offers several insurance-related services, but it does not act as the insurer for every policy. Members can get auto and home insurance through American Family Insurance, pet insurance through Figo, term life insurance through Protective Life, and business health insurance through the CBC Health Insurance Marketplace. Costco has also announced a new Medicare partnership with SCAN Group that is expected to add Costco-branded Medicare plans, subject to regulatory approval. Availability, pricing, discounts and coverage depend on the product and location.
Costco Insurance: What Types Are Available?
Costco’s insurance services cover several different needs rather than one single insurance policy. The most established options include auto insurance, home insurance, pet insurance, term life insurance and business health insurance. Costco acts as a member-focused channel or agency for these offerings, while licensed insurance companies provide the actual policies and handle claims according to the applicable policy terms.
| Insurance type | Costco partner/service | Main purpose |
|---|---|---|
| Auto insurance | American Family Insurance | Vehicle protection and liability coverage |
| Home insurance | American Family Insurance | Home and property protection |
| Pet insurance | Figo | Eligible veterinary expenses for dogs and cats |
| Term life insurance | Protective Life | Financial protection for beneficiaries |
| Business health insurance | CBC Health Insurance Marketplace | Employee medical and ancillary benefits |
| Medicare plans | SCAN Group partnership | Medicare Advantage and Medicare Supplement coverage, subject to approval |
The important distinction is that Costco membership does not automatically include insurance coverage. These are separate products that members can purchase or obtain quotes for, and eligibility varies.
Costco Auto Insurance
Costco’s auto insurance service is offered through American Family Insurance. Costco members may receive an exclusive discount when switching to an eligible policy, and additional discounts may be available depending on factors such as safe driving and bundling.
Coverage can be tailored with different policy options and add-ons. Costco also highlights online policy management, access to insurance documents and 24/7 incident reporting.
One notable benefit for eligible Executive Members is roadside assistance included at no charge for vehicles covered through the Auto Insurance program, according to Costco’s membership information.
The actual premium still depends on individual underwriting factors. Your driving history, vehicle, location, coverage limits, deductible and other rating information can affect the final quote.
Costco Car Insurance
Costco car insurance is essentially the auto insurance offering available to Costco members through its insurance partner. It can be worth comparing when a member wants to combine potential Costco savings with conventional auto coverage.
A lower membership-based price does not necessarily mean it will be the cheapest policy for every driver. Insurance rates vary considerably between households, vehicles and states, so obtaining multiple quotes is a sensible way to compare the total cost.
When comparing a Costco car insurance quote, look beyond the monthly premium. Check liability limits, collision and comprehensive coverage, deductibles, rental reimbursement, roadside assistance and any exclusions that matter to you.
Costco Home Insurance
Costco offers home insurance through American Family Insurance, with member savings available for eligible customers. The program allows members to build coverage around their property and may offer additional discounts depending on eligibility.
Homeowners should pay particular attention to the difference between the replacement cost of a home and its market value. Insurance is designed around covered losses and policy terms, so the amount needed to rebuild can differ from the property’s selling price.
A home insurance quote may also depend on location, construction type, roof age, claims history, deductible and selected coverage. Bundling home and auto policies can sometimes produce another discount when available.
Costco Insurance Home and Auto Bundle
Bundling home and auto insurance can be one of the more useful Costco insurance options for members who need both policies. Costco states that members may qualify for additional discounts when bundling their auto and home insurance.
The advantage of bundling is not limited to price. Having both policies with the same insurer can simplify account management and renewal.
Still, a bundle should be compared against separate policies from other insurers. The best combination is the one that provides appropriate coverage at a competitive total cost rather than simply the lowest advertised premium.
Costco Insurance Quotes
Costco members can request personalized auto and home insurance quotes through the Costco insurance service. Costco’s current service page says members can receive personalized quotes and may receive an exclusive member discount.
A quote is based on information supplied during the application process, so it should not be treated as a guaranteed price until the insurer completes its underwriting.
For a useful comparison, obtain quotes with matching coverage limits and deductibles. Comparing a cheap policy with lower limits against a more comprehensive policy can make the price difference look larger than it really is.
Costco Connect Insurance
The term Costco Connect Insurance refers to the auto and home insurance program historically associated with CONNECT, now presented by Costco as insurance through American Family Insurance. Costco’s current service pages identify American Family Insurance as the provider behind the member auto and home insurance offering.
This distinction matters because Costco is not the company underwriting every policy. The insurance contract, coverage conditions and claims obligations come from the applicable licensed insurer.
For anyone researching older Costco insurance reviews, references to “CONNECT” can therefore appear alongside newer references to American Family Insurance.
Costco Insurance Pet
Costco members can obtain pet insurance through Figo for eligible dogs and cats. Costco describes the service as discounted pet insurance for members, while Figo’s information explains that eligible veterinary expenses can be reimbursed according to the policy.
Pet insurance can help with unexpected veterinary expenses caused by covered accidents or illnesses. Optional wellness coverage may also be available for preventive services such as examinations, vaccinations and dental cleanings, depending on the plan selected.
Each pet needs its own policy, although Figo has stated that multiple-pet households may qualify for a discount when adding additional pets.
Before purchasing, check waiting periods, deductibles, reimbursement percentages, annual limits, exclusions and pre-existing-condition rules. These details can make a substantial difference in the practical value of a pet insurance policy.
Costco Insurance Life
Costco offers term life insurance through Protective Life. The member-focused program provides coverage amounts from $100,000 to $5 million, with available initial term periods of 10, 20 or 30 years, subject to eligibility and underwriting.
The purpose of term life insurance is to provide a death benefit to beneficiaries during the selected policy term. It can be useful for households that need income replacement or want to help protect against obligations such as a mortgage, education expenses or outstanding debts.
Costco’s current life insurance information also says Executive Members may receive additional savings. The application can be completed online or by phone, although underwriting requirements still apply.
Protective Life, rather than Costco, receives the application information and issues the policy. Costco’s role is therefore different from that of the insurance carrier.
Costco Insurance Health
Health insurance through Costco requires an important distinction. Costco’s established health insurance marketplace is primarily focused on business health insurance, rather than functioning as a general individual health insurance marketplace for every Costco member.
The CBC Health Insurance Marketplace helps small and large businesses compare employee health coverage. Options can include medical, dental, vision, life and disability benefits.
For small businesses, the marketplace serves employers with fewer than 50 employees, or fewer than 100 in certain states. Larger organizations can also access employer health insurance solutions.
Costco’s marketplace describes a Level-Funded Advantage option with potential member savings of up to 55%, although eligibility and terms apply.
Costco Medicare Insurance
A significant new development is Costco’s planned expansion into Medicare. Costco and SCAN Group have announced a partnership to offer Costco-branded Medicare Advantage and Medicare Supplement plans. The initial rollout is expected to be limited to selected states and remains subject to regulatory approval.
This is different from Costco’s existing business health insurance marketplace. Medicare coverage has its own federal rules, enrollment periods and plan requirements, so consumers should rely on the final approved plan documents rather than preliminary promotional information.
Is Costco Insurance Cheaper?
Costco insurance can be competitive, but there is no universal Costco insurance rate. The member discount is one potential advantage, while your personal circumstances determine the final premium.
For auto and home insurance, Costco says members may receive an exclusive discount and potentially qualify for additional savings.
The right way to judge the price is to compare equivalent coverage from several insurers. A policy with a lower premium may have a higher deductible, lower limits or fewer included benefits.
For that reason, the most useful comparison is:
Premium + deductible + coverage limits + exclusions + included benefits
rather than premium alone.
Costco Insurance for Executive Members
Executive Membership can provide additional value on selected Costco services, although the exact insurance benefit depends on the product.
Costco’s current membership information confirms that Executive Members receive a 2% annual reward on qualifying Costco purchases, while separate service benefits may apply to insurance or other programs.
For auto insurance, Costco states that Executive Members can receive roadside assistance at no charge for vehicles covered through the Auto Insurance program.
Life insurance may also offer additional Executive Member savings, subject to the program’s terms.
Costco Insurance Careers
There are two different career paths people may mean when searching for Costco insurance careers.
The first is working directly for Costco Wholesale. Costco employs people across warehouses, business centers, information technology, accounting, home and regional offices, Costco Travel and other departments. Its official careers site provides current openings and application information.
The second is working for an insurance partner such as American Family Insurance, Protective Life or another organization involved in Costco’s insurance services. Those positions are generally applied for through the respective company’s career system rather than through Costco’s warehouse job portal.
Costco itself provides eligible employees with benefits that can include medical, dental, vision, hearing, pharmacy, disability and life insurance, along with retirement and other programs.
How to Compare Costco Insurance Before Buying
Insurance is a contract, so the headline discount should never be the only deciding factor. Start by identifying the coverage you actually need and then request comparable quotes.
For auto insurance, compare liability limits, collision and comprehensive coverage, deductibles, roadside assistance and rental coverage.
For homeowners insurance, compare dwelling coverage, personal property protection, liability, loss-of-use coverage, deductibles and exclusions.
For pet insurance, pay close attention to reimbursement rates, annual limits, deductibles, waiting periods and excluded conditions.
For life insurance, consider the death benefit, term length, premium structure, underwriting requirements and conversion provisions.
For business health insurance, compare employee networks, deductibles, premiums, prescription coverage, ancillary benefits and administrative support.
This approach gives a clearer picture of value than choosing a policy solely because it carries the Costco name.
Frequently Asked Questions
Does Costco have insurance?
Yes. Costco provides access to several insurance-related services, including auto and home insurance, pet insurance, term life insurance and business health insurance. Costco also has a newly announced Medicare partnership with SCAN Group that is subject to regulatory approval.
Who provides Costco auto and home insurance?
Costco’s current U.S. service page identifies American Family Insurance as the provider for its auto and home insurance offering. Older references may call the program CONNECT insurance.
Is Costco Connect insurance still available?
The Costco auto and home insurance program is currently presented through American Family Insurance. The term CONNECT may still appear in older articles and references because of the program’s previous branding.
Does Costco offer health insurance?
Costco offers a business health insurance marketplace through CBC for employers and their employees. It is designed to help businesses compare medical and ancillary benefits.
Does Costco offer individual health insurance?
Costco’s established health insurance marketplace is focused on business health coverage rather than being a general individual health insurance marketplace. Costco has separately announced planned Medicare products with SCAN Group, subject to regulatory approval.
Does Costco offer pet insurance?
Yes. Costco members can access discounted pet insurance through Figo for dogs and cats, subject to policy availability and eligibility.
Does Costco offer life insurance?
Yes. Costco offers member-focused term life insurance through Protective Life. Coverage options currently range from $100,000 to $5 million, with 10-, 20- and 30-year initial term choices subject to underwriting and eligibility.
Can Costco members get home and auto insurance together?
Yes. Costco members can obtain both home and auto insurance through its American Family Insurance program, and eligible customers may qualify for a bundling discount.
How do I get a Costco insurance quote?
For auto and home insurance, Costco provides access to personalized quotes through its insurance service. The quote is based on your individual information and underwriting factors, so the final premium can differ from an initial estimate.
Does Costco insurance have a member discount?
Yes. Costco states that eligible members may receive an exclusive discount on auto and home insurance. Other insurance services can have their own member pricing or savings structures.
Is Costco insurance available in every state?
Not necessarily. Insurance availability, underwriting rules, discounts and product options can vary by state. A quote or product page should be checked for the applicant’s specific location before assuming coverage is available.
Is Costco insurance worth it?
It can be worth obtaining a quote, particularly for members who may qualify for discounts or bundled savings. However, the best policy depends on coverage, price, deductibles, exclusions and insurer terms, so comparing competing quotes remains important.
Final Thoughts
Costco’s insurance services extend well beyond one simple policy. Members can access auto and home insurance through American Family Insurance, pet coverage through Figo, term life insurance through Protective Life and business health insurance through CBC. A new Medicare partnership with SCAN Group is also expected to expand Costco’s healthcare-related offerings if regulatory approvals are completed.
The biggest advantage is the opportunity to access member pricing and service-specific benefits, but a Costco membership should not be treated as proof that a policy is automatically the cheapest or most comprehensive. Insurance needs are personal, and the details of the policy matter more than the brand attached to the quote. Comparing equivalent coverage, checking exclusions and understanding deductibles before signing can help you choose a policy that offers genuine value.
Meta Title: Costco Insurance: Auto, Home, Pet, Life & Health
Meta Description: Costco Insurance options for auto, home, pet, life and business health coverage, including partners, discounts, quotes, benefits and availability.
Slug: costco-insurance
