Pet insurance has become a mainstream way to protect against rising vet bills, and more big retail brands are entering the market. 

Walmart, Costco, and Chewy now offer their own pet-insurance options, but the differences between these plans can have a major impact on what you pay and what your dog is actually covered for. This guide breaks down how the three providers compare so readers can make sense of dog insurance costs, coverage levels, and what to expect when requesting pet insurance quotes.

Walmart Pet Insurance Overview

Walmart pet insurance focuses on accident and illness policies with simple, predictable coverage. For many shoppers, it serves as an accessible entry point when comparing affordable pet insurance or researching walmart pet insurance costs. The enrollment process tends to be straightforward, and Walmart+ members may also receive added tele-vet access through its partnered services.

Walmart dog insurance may appeal to seniors on a budget because it can be one of the more affordable pet insurance for seniors depending on location and pet breed. While it doesn’t place much emphasis on wellness or routine-care options, the core accident-and-illness protection is useful for unexpected emergencies. This makes Walmart a reasonable choice for people exploring short-term or flexible options like 1 month pet insurance to test whether coverage is worth the long-term commitment.

Costco Pet Insurance (Figo)

Costco partners with Figo to offer members discounted plans. For anyone researching costco pet insurance or comparing costco dog insurance costs to other brands, Costco’s member pricing is often competitive. Figo’s plans include app-based claim submissions, digital access to medical records, and the ability to choose reimbursement percentages and deductibles.

Costco may be a strong option for older pet owners comparing dog insurance costs and looking for ways to keep premiums manageable. While coverage varies by state, Costco offers a range of accident and illness plans, plus wellness add-ons in some regions. It also appeals to shoppers who want a balance between affordability and flexibility rather than the absolute cheapest pet insurance for seniors.

Chewy Pet Insurance (CarePlus)

Chewy’s CarePlus program offers plans with more customization than many big-box competitors. People already familiar with Chewy’s online ecosystem may find chewy pet insurance particularly convenient for managing prescriptions, refills, and coverage in one place. Chewy dog insurance includes options for accident-only, accident and illness, and wellness packages in some states.

Chewy’s coverage may be priced differently depending on age and breed, but it can be a solid fit for readers comparing dog insurance options or looking for international pet insurance coverage for pets that may travel. While it may not always be the least expensive, Chewy provides more plan configurations than Walmart or Costco, which is valuable for readers who want greater control over their monthly bill.

How the Three Brands Compare

Coverage

All three companies focus on accident and illness policies, but the depth of coverage differs. Walmart keeps things simple and budget-friendly. Costco (via Figo) emphasizes digital tools and member discounts. Chewy offers the most flexibility, especially for pet owners who want wellness coverage included.

Pricing and value

Walmart is often positioned as the most affordable pet insurance choice for everyday shoppers. Costco may offer better value if you’re already a member, especially if you want more plan options without high premiums. Chewy places more emphasis on customization, which can help control dog insurance costs but may result in a higher base price for broader coverage.

Who each option is best for

• Walmart: Best for cost-conscious owners, seniors comparing affordable pet insurance for seniors, and shoppers testing coverage with something like 1 month pet insurance.

• Costco: Ideal for Costco members who want good digital features, moderate pricing, and an easy way to manage pet insurance quotes through a single provider.

• Chewy: Suited for pet parents who value customization, shop frequently on Chewy, or need more coverage flexibility such as wellness or potential international pet insurance options.

Final Guidance for Seniors

When comparing Walmart pet insurance, Costco pet insurance, and Chewy pet insurance side by side, the most important step is to request pet insurance quotes from all three using the exact same inputs: age, breed, deductible, and reimbursement rate. Dog insurance costs vary widely by breed and location, so a plan that is cheapest for one reader may not be the cheapest for another.

For the most accurate comparison, readers should check exclusions, waiting periods, hereditary condition rules, and annual payout limits. Even small differences can determine whether a plan is truly affordable pet insurance or simply appears inexpensive upfront but offers limited protection.

Sources

1. https://www.pawlicy.com/blog/walmart-pet-insurance/

2. https://www.caninejournal.com/walmart-pet-insurance/

3. https://www.petinsurancequotes.com/company/walmart-pet-insurance

4. https://www.costco.com/pet-insurance.html

5. https://www.moneygeek.com/insurance/pet/costco-review/

6. https://www.consumeraffairs.com/pets/figo-pet-insurance.html

7. https://www.marketwatch.com/insurance-services/pet-insurance/chewy-pet-insurance-review/

8. https://www.chewy.com/pet-insurance/

9. https://www.joinkudos.com/blog/review-of-careplus-by-chewy-pet-insurance

10. https://www.nerdwallet.com/insurance/pet/chewy-pet-insurance-review