Does Sam's Club Have Pet Insurance? The 2026 Answer

Sam's Club is a membership warehouse club, not a licensed insurer, so any pet insurance offered under its name would come from a partner insurance company. Our knowledge base holds no verified record of who, if anyone, currently holds that arrangement. This page marks the answer pending rather than guessing.

The warehouse-club comparison is the useful one here. Costco's arrangement is verified: members get member pricing on Figo policies, Figo services the policy, and Independence American Insurance Company underwrites it. Our review at /reviews/costco/ walks through what a membership changes and what it never touches.

Sam's Club sits outside our 11-partner comparison, so there is no score card and no ranking here, and we earn nothing either way. What this page can do is show what a real membership arrangement looks like and teach the check that names the insurer behind any offer.

Disclosure: We earn a commission when you buy through our links. You pay the same state-filed rate as buying direct, and commissions never change a score. How we collect and score quotes.

We publish no Sam's Club price and no discount figure, because our Real-Quote dataset prices policies from named insurers, and no verified insurer stands behind a Sam's Club arrangement. If a member offer surfaces, its price would belong to the underwriting insurer's state filing, not to Sam's Club.

That is how Costco's verified deal works: member pricing lives inside Figo's state-filed rates rather than in a private discount at the register. The same filing rule would govern any Sam's Club offer. Market patterns apply either way: cat premiums run 35 to 40 percent below dog premiums, and multi-pet discounts typically run 5 to 10 percent.

The Coverage Map below cannot carry answers for Sam's Club, because coverage belongs to a policy and no verified policy stands behind the Sam's Club name this year. Every row is pending; contrast that with our Costco review, where the map is Figo's because the arrangement is verified.

A pending map is the correct output when the insurer is unknown, because guessed rows would repeat the brand-first mistake this page exists to correct. If a Sam's Club offer names a carrier, that insurer's policy documents hold the row-by-row answers. If the carrier is one of our 11 partners, its review and dated score card are already on this site.

There is no Sam's Club waiting period, because waiting periods live in an insurer's policy, not in a membership. Across the US market, accident waits run about 1 to 15 days and illness waits about 14 to 30 days. Symptoms during any waiting period count as pre-existing afterward, so verify the dates on the actual policy documents before buying.

Expect the standard US pre-existing exclusion from whichever insurer would sit behind a member offer: conditions with symptoms or a diagnosis before enrollment, or during waiting periods, are not covered. Deductible type, reimbursement order, and annual limits belong to the carrier named in the policy documents. And ask the membership question our Costco review asks: what happens to member pricing if the membership lapses, because that answer lives in policy terms.

Sam's Club would not process a pet insurance claim under any arrangement, because claims always run through the issuing insurer. The standard US model applies: pay the vet, submit the itemized invoice to the insurer, and wait for review and payout on that insurer's timeline.

Costco's verified arrangement shows the division of labor: the warehouse sells the membership, and Figo services the policy and its claims. Any Sam's Club arrangement would split the same way, with the named insurer doing all the insurance work.

Here is the check to run on any Sam's Club pet insurance offer. First, open the offer and find the carrier named in the footer, the sample policy, or the declarations page. Second, confirm that carrier holds a license with your state insurance department. Third, evaluate the named insurer, because the insurer sets coverage, waiting periods, and claims service.

Verified arrangements show what the check turns up: Costco's member pricing sits on Figo, underwritten by Independence American Insurance Company, and Progressive resells Pets Best. The warehouse name would market the product; a licensed carrier would cover the pet.

Costco's pet insurance perk is worth studying even if you shop at Sam's Club, because it shows exactly how much a membership can change. The answer is one thing: the price channel. Figo's policy text, waiting periods, claims app, and underwriter stay identical whichever door the buyer uses, and the membership only positions the price inside state-filed rates. Hold any future Sam's Club offer to that standard. If the offer cannot name its insurer as plainly as Costco names Figo, it is not ready to buy.

• ›Figo is the insurer behind Costco's verified member pricing and sells a 100 percent reimbursement option, rare in the US market.
• ›Lemonade has priced lowest of the 11 insurers in our quote runs and pays simple claims through its app within minutes.
• ›Trupanion offers unlimited annual benefits, a per-condition deductible, and Vet Direct Pay at participating clinics.

Any policy bought through a membership arrangement cancels with the issuing insurer, on that insurer's process, and state free-look rules give a full-refund window shortly after purchase. Line up replacement coverage before cancelling anything: a gap restarts waiting periods, and new symptoms during a gap become pre-existing with the next insurer. The safe sequence is in our guide to switching pet insurance without coverage gaps.