Costco Auto Insurance Review [2022]: Does it Make Sense for Costco Members? (2023)

Whether you drive a lot for work or just go shopping once a week, having auto insurance to protect you in the event of an accident is essential.

In fact, most states require drivers to have minimum liability insurance to pay for injuries or damage sustained in an accident. However, you may want to add more protection, which increases the cost of auto insurance.

That's why it helps to qualify for any rebates that could lower the cost of your auto insurance premium. Costco also offers auto insurance, among other insurance policies, and Warehouse Club members may receive discounts on their auto premiums.

But does that mean Costco auto insurance is a good choice for Costco members? Let's examine the answer.

In this Costco auto insurance report

  • Costco Car Insurance: Is It Worth It?
  • What is Costco?
  • What types of insurance does Costco offer?
  • Costco Car Insurance: How Cheap Is It?
  • How to Get an Insurance Quote from Costco Auto Insurance
  • Frequently asked questions about Costco auto insurance
  • bottom line
  • methodology

Costco Car Insurance: Is It Worth It?

  • Cheap rewards for Costco members
  • Offers many discounts
  • You can bundle different types of insurance
  • Costco Executive members receive a lifetime renewal
  • Must be a Costco member
  • Not available in all states
  • The good driver discount is only available in California
  • Low ratings for customer service
Our verdict:Costco's CONNECT auto insurance can be a good option for Costco members. However, if you're not a Costco member, the savings on auto insurance may not be enough to justify membership.

What is Costco?

Costco is a members-only warehouse retailer with offices in eight countries around the world. The first Costco-branded warehouse opened in Seattle, Washington in 1983. In just six years, Costco had $3 billion in sales.

Today, Costco operates 830 department stores, most of which are located in the United States. Costco also has locations in Canada, Mexico, UK, Japan, Korea, Taiwan, Australia, Spain, Iceland, France and China.

The wholesaler offers its members various goods and services at discounted prices. At Costco, members could shop for high-end electronics, furniture, clothing, jewelry, tires, groceries, and receive discounts on travel,insurancepolicies and car loans.

The company has grown to become the fifth largest retailer in the world. Over 111 million people paid for an annual Costco membership in 2021.

founding year1983
types of coverage
  • Full
  • collision
  • liability for injuries
  • liability for property damage
  • Uninsured driver
  • Medical Expenses
  • roadside assistance and towing
  • Rental Car Insurance
  • Protection against personal injury
  • Garantierter Autoschutz
Discounts available
  • Premier Security Discount
  • Good Driver Discount (California Residents Only)
  • Discount for defensive drivers
  • Discount on vehicle security features
  • garage discount
  • Student discount
  • Discount for multiple cars
  • Term Discount
  • Bundle discounts
Where you can use it
  • Costco App for Android or iOS
  • Online at the Costco website


Monday through Friday 7am to 10pm CT

Saturday 8:30am to 7pm CT

Availability44 states and Washington, D.C.

What types of insurance does Costco offer?

Costco offers auto insurance through a partnership with American Family Insurance under the CONNECT brand. CONNECT insurance products are available in 44 states and Washington, D.C. available.

CONNECT auto coverage options

CONNECT car insurance offers the following coverages that you can include in your policy:

  • liability for injuries: This kind ofLiability Insurance Coveragecovers the costs of injuries to other drivers if you are in an accident that is your fault.
  • liability for property damage: This is coverage for the repair or replacement of a vehicle or property if you are involved in an accident that is your fault.
  • collision protection:collision insurancecovers damage to your vehicle caused by a collision with another vehicle or object.
  • Comprehensive coverage:comprehensive insurancecovers non-collision related damage to your vehicle such as: B. Damage caused by a storm or a collision with an animal.
  • Uninsured driver: This coverage kicks in if you have an accident with an uninsured driver.Insurance coverage for uninsured driverscovers your injury or property damage caused by an accident involving a driver who does not have adequate car insurance.
  • Medical Expenses: This coverage helps pay your medical bills if you are injured in a car accident.
  • Personal Protection (PIP): This protection covers your medical expenses, lost wages or funeral expenses, regardless of who is at fault in an accident.
  • Guaranteed Auto Protection Insurance (GAP).: If you are involved in an accident with a new car, GAP Insurance will pay the difference between the current market value of your vehicle and the original amount of your car loan.
  • Roadside Assistance & Towing: This coverage provides support if you have a flat tyre, your battery is dead, you are locked out of your car or in other situations when something is wrong with your car.
  • Rental Refund Coverage: This insurance provides a rental refund that covers the cost of a rental car if your own car is damaged in an accident and is being repaired. This coverage differs from rental car insurance, which insures a vehicle you have rented.

Benefits of CONNECT car insurance

Costco members get exclusive access to Costco's coverages because the retailer only offers auto insurance to its members. All Costco members who purchase CONNECT insurance also receive:

(Video) Costco Auto Program: Is It Worth It? Is It a Good Deal? (Former Car Dealer Explains)

  • Deductible for glass repairs: When accidental windshield damage could be repaired, Costco waives the deductible you would normally pay to repair your windshield.
  • Accident Travel Expense Coverage: This coverage helps you pay for accommodation or travel expenses if you are involved in an accident more than 100 miles from where you live.

Costco Executive Members also receive additional benefits such as free roadside assistance. You also get a lifetime renewal that guarantees your auto insurance policy will always be renewed, even if you've had minor traffic violations or accidents. However, this particular benefit is not available in Maryland or Michigan.

CONNECT products and availability

CONNECT offers more types of insurance policies, and you may be able to save money by bundling your auto insurance with other insurance products on offer.

Costco Auto Insurance Review [2022]: Does it Make Sense for Costco Members? (1)

Connect offers home, rental and household contents insurance. It also offers umbrella insurance policies that provide additional personal liability protection beyond the coverage of your auto, home and other insurance policies.

Costco's CONNECT operates in 44 states and Washington, D.C. available. The six states where CONNECT is not available are Alaska, Louisiana, Maine, North Dakota, Rhode Island and Wyoming.

Despite its wide range of coverage and availability, CONNECT does not have the best track record of customer service. According to the National Association of Insurance Commissioners (NAIC), CONNECT receives a higher than average number of customer complaints than other insurance companies.

Costco Car Insurance: How Cheap Is It?

The cost of Costco auto insurance varies by coverage level. However, there are several discounts you can qualify for to cut costs.

How to find insurance discounts

According to Costco, members who take out CONNECT auto insurance save an average of $583.60 in the first year they have the insurance. CONNECT car insurance offers discounts for safe driving and vehicle security, including:

  • Premier Security Discount: This program could reward you for your safe driving behavior by giving you additional discounts on your car insurance. To qualify for this discount you must have a clean driving record with no traffic violations, accidents or claims in the last four years.
  • Good driver discount: Similar to the Premier Safety Discount, this discount is available to drivers with safe driving habits. However, this discount is only offered to Costco members based in California.
  • Discount for defensive drivers: You can receive this discount by completing a refresher driving course through your state's Department of Motor Vehicles (DMV) and providing CONNECT with a copy of the degree.
  • Discount on vehicle security features: Safety features like anti-lock brakes, airbags, automatic seat belts and anti-theft devices can help lower your insurance premiums.
  • garage discount: Costco members may get a discount on their auto insurance premiums if they park their cars in a garage overnight instead of exposing them outside to the elements.

In addition, CONNECT offers discounts for teenage drivers who attend school, such as:

  • Good student discounts: Auto insurance for teenagers tends to be expensive. If your teen is a good student, their grades could qualify them for a good student discount.
  • Student discount: If your son or daughter attends a school more than 100 miles from where you live, you may be eligible for this discount. Your student stays on your policy and is still covered when they are home at weekends or during breaks. If your student has their own vehicle with them at school, you are not eligible for this discount.

Finally, policyholders could save more premiums by adding more cars to their coverage, purchasing multiple policies, or simply keeping their insurance for a while:

  • Discount for multiple cars: If you have CONNECT auto insurance policies for more than one car, you may receive lower auto insurance rates.
  • Discounts for tenure: These discounts are like an anniversary gift to celebrate how many years you've been a CONNECT customer. These discounts depend on your state, so it's a good idea to check occasionally to see if you qualify for one.
  • Bundle discounts: You may receive a discount on your insurance premiums if you purchase multiple insurance policies through CONNECT. You can bundle your auto insurance with your homeowners, renters, or roof insurance policies.

How to maximize savings

There are differentFactors affecting your car insurance rates. To maximize your Costco auto insurance savings with CONNECT, you can select higher deductibles for your coverage.

You can also save money by removingcomprehensive and collisionCovers from your policy when the value of your vehicle is too low to justify the premium you pay for these covers. Remember that you can pay high expenses in the event of an accident without comprehensive insurance.

(Video) Costco JUST Ruined The Costco Anywhere Visa

If you lease your vehicle or are still making payments, your lender may have specific coverage requirements for your car insurance. Most states also have minimum auto insurance coverage, so always check to see if you're required by law.

How to Get an Insurance Quote from Costco Auto Insurance

To learnhow to get car insurancefrom Costco is easy because you can get your quote quickly online or by calling (855) 531-9253.

CONNECT quotation process for car insurance

You don't have to be a Costco member to request a quote, but if you like the quote you're viewing, you must be a Costco member or sign up for their membership, as your membership number is required to purchase the policy.

Costco Auto Insurance Review [2022]: Does it Make Sense for Costco Members? (2)

When applying online, after entering your zip code, you will be redirected to the American Family Insurance CONNECT external website. The information you need to fill in is your:

  • first name
  • Surname
  • Date of birth
  • E-Mail-Addresse
  • Residential address (including city, state, and zip code)
  • How many years you have lived in the residence

Costco Auto Insurance Review [2022]: Does it Make Sense for Costco Members? (3)

CONNECT automatically fills in most of the details from your title and registration documents. It also fills in the liability limit from your current declaration page. Next, you may need to verify the vehicle you wish to insure.

Costco Auto Insurance Review [2022]: Does it Make Sense for Costco Members? (4)

After that, provide information that can help you get various discounts, such as: B. Level of education, completion of a defensive driving course and accident and damage history. You can also add more cars to your policy to get a bundle discount.

Costco Auto Insurance Review [2022]: Does it Make Sense for Costco Members? (5)


Further questions can be:

  • What is the zip code of your vehicle?
  • Where is this vehicle?
  • How is this vehicle mainly used?
  • Would you like to add another vehicle to your policy?
  • Age first legal in the US?
  • Which vehicle do you drive most often?
  • Have you had any accidents or damage in the last six years?
  • Have you been convicted of traffic offenses in the last six years?
  • do you have another driver

Once you complete the online application, you will immediately receive a quote for a six-month Costco auto insurance premium. The offer will also be emailed to you and you have 60 days to respond.

If you like the Costco auto insurance offering, you need a Costco membership to take advantage of it. All Costco CONNECT insurance products are available to members only. These memberships start at $60 per year for Gold Star members and $120 per year for Executive members.

Important factors to consider

Before you join Costco just to get auto insurance, consider how much membership costs. Compare that cost to how much money you save on the insurance policy to see ifCostco insurance is worth it.

On the other hand, if you are a current Costco member, you may want to get a quote for Costco auto insurance even if you are happy with your current insurance provider. You might find that you can save money on your car insurance premiums.

For example, I decided to switch when the six-month bonus offer I received from Costco was almost $57 less than what I'm currently paying. The Costco insurance plan also offered better coverage than my current plan.

Frequently asked questions about Costco auto insurance

What is the name of Costco's car insurance?

Costco's auto insurance is sold under the CONNECT brand name. All policies are provided by American Family Insurance, one of the largest insurance providers in the United States.

Is Costco car insurance only available to Costco members?

Yes, you can purchase Costco CONNECT auto insurance only if you are a Costco member. However, you don't have to be a member to get a quote from Costco to see if it offers better rates than your current insurance company.

Is CONNECT Insurance part of Costco?

CONNECT Insurance is not technically part of Costco. The CONNECT brand is owned by American Family Insurance and is offered to Costco members through a partnership with Warehouse Club.

bottom line

Costco's CONNECT Insurance has plans that might helpSave money on car insurance. However, CONNECT is not available in six states and you must be a Costco member to access it in the states where it is available.

You don't have to be a Costco member to get an auto insurance quote. You could go through the bidding process to compare it to what thebest car insuranceCompanies offer and decide if a Costco membership is worthwhile.

(Video) Here's How Much Money Costco Employees Really Make

If you're already a Costco member, you may benefit from bundling your auto insurance with your rental or homeowners insurance to save more on your overall insurance costs. Keep in mind that CONNECT receives more than average customer complaints than other insurance providers.


FinanceBuzz examines a number of factors with each auto insurance provider to create our ratings. These factors include cost and discounts, complaints and customer satisfaction, coverage, and ease of use. We also collect information from sources such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau to ensure we are providing the most useful information to our readers.

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Which insurance company does Costco use? ›

Costco's auto and home insurance policies are underwritten by American Family Connect, a subsidiary of American Family Insurance (AmFam), which is one of the 10 largest insurers in the country.

Does Costco insurance cover windshield replacement? ›

Does Costco Connect Insurance cover windshield replacement? All auto policies from Costco's Connect Insurance include glass repair reimbursement. While this covers windshield repairs with no deductible, it doesn't cover windshield replacement.

Do you need Costco membership for Costco insurance? ›

About Costco Car Insurance

Costco members are eligible for exclusive discounts through Connect, but you don't have to be a Costco member to purchase a policy from Connect.

Who underwrites Costco insurance? ›

Costco Homeowners Insurance (From Connect): 2023 Review. Costco homeowners insurance is underwritten by Connect, part of the American Family Insurance group.

Does Costco offer insurance to members? ›

To purchase Costco health insurance, you must be a Costco member. From here, you have access to buy Costco health insurance through well-known providers such as Blue Cross Blue Shield or Oscar. By being a Costco member, you will have access to additional discounts or benefits on some of these plans.

Is Costco insurance HMO or PPO? ›

In other words, they are an HMO insurance provider, so you will not be able to seek dental care from the dentist of your choice.

Does windshield replacement covered by insurance? ›

Does Car Insurance Cover Windshield Damages? Yes, a comprehensive car insurance policy covers damages caused to a car's windshield. Your motor insurance company will bear the cost of replacing your vehicle's damaged windshield.

Does Costco warranty cover cracked screen? ›

Essentially, if your laptop stops functioning properly due to mechanical or electrical failure, then the Costco warranty will cover you. Things like cracked screens, liquid spills, or other accidental damage are only covered by the Allstate Protection Plan.

Does Costco membership come with roadside assistance? ›

Executive Member Benefits

Receive exclusive benefits including Roadside Assistance, Lifetime Renewability, Glass Repair Reimbursement, and Home Lockout Assistance.

How long does it take to get insurance at Costco? ›

If you've worked for Costco for at least 180 consecutive days, and work more than 24 hours per week, you're eligible for health benefits.

Is there an app for Costco insurance? ›

Costco Car Insurance Mobile App

You can use this app to get car insurance quotes, purchase plans, pay auto insurance bills, and even send in car insurance claims.

Which insurance company has the highest customer satisfaction? ›

U.S. News Rating

USAA is the best insurance company in our ratings. According to our 2023 survey, USAA customers report the highest level of customer satisfaction and are most likely to renew their policies and recommend USAA to other drivers.

Who is the top five insurance company? ›

The Top 10 Auto Insurance Companies
  • State Farm. Rating, 3.5 out of 5 3,362 Reviews (3,362) ...
  • GEICO. Rating, 2.5 out of 5 1,889 Reviews (1,889) ...
  • Progressive. Rating, 3 out of 5 3,540 Reviews (3,540) ...
  • Allstate. Rating, 3 out of 5 2,420 Reviews (2,420) ...
  • USAA Insurance. ...
  • Liberty Mutual. ...
  • Farmers Insurance. ...
  • Nationwide.

What is the most ethical insurance company? ›

12 Insurance Companies Among the 'World's Most Ethical Companies' for 2022
  • Aflac Incorporated.
  • Allianz Life Insurance Company of North America.
  • Blue Shield of California.
  • Cambia Health Solutions.
  • CareFirst BlueCross BlueShield.
  • Gallagher.
  • Health Care Service Corporation.
  • Marsh McLennan.
Mar 28, 2022

Can I share my Costco membership with a friend? ›

The Costco membership card is non-transferable, but there are several ways to share the experience with family and friends. Anyone with a card can bring up to two guests to the Warehouse during each visit. Keep in mind that purchasing items is exclusive to Costco members.

Which membership is better at Costco? ›

Basic versus executive

A basic Costco membership costs $60 and gives you unrestricted access to Costco's product line. By contrast, an executive membership costs $120, so it's double the price of a regular membership. But in exchange for paying that fee, you get 2% cash back on your Costco purchases.

Can I share my Costco membership with a family member? ›

A total of two people can be on a Gold Star Membership (either regular or Executive): one Primary Member and one free household member who is over 18 and lives at the same address.

Is it better to go with HMO or PPO? ›

Generally speaking, an HMO might make sense if lower costs are most important and if you don't mind using a PCP to manage your care. A PPO may be better if you already have a doctor or medical team that you want to keep but doesn't belong to your plan network.

What's the best dental insurance for seniors? ›

Best Dental Insurance for Seniors of 2023
  • Best Overall: Anthem.
  • Best Value: Liberty.
  • Best Coverage Types: Guardian.
  • Most Affordable: Cigna.
  • Best for Low Deductible: Spirit Dental.
  • Best for Seniors on Medicare: Aetna.
  • Best for Preventative Care: United Healthcare.
Mar 8, 2022

Does Costco car rental come with insurance? ›

7. Does Costco Travel offer rental car insurance? We don't offer or include rental car insurance. However, optional insurance is available through the rental car company and you can add it at the rental counter when you are picking up your car.

How much does it cost to replace a windshield without insurance? ›

The average cost to replace a windshield without insurance is $250, according to Glass America. But it could cost as much as $1,500, depending on your car's make and model and the labor required.

Does insurance cover rocks hitting windshield? ›

A rock chip happens when a small rock or object nicks your windshield and causes a small chip in the glass. Your comprehensive coverage should cover this type of damage. Since rock chips can spread into larger cracks, it's best to get them fixed as soon as possible to avoid further damage to your glass or windshield.

Can I return an item to Costco after 2 years? ›

Pretty much everything in the warehouse is returnable with no time limit. No questions asked. This guarantee also includes your Costco membership. You have 364 days from the date you sign-up to try out the membership and see if it works for you.

Why is Apple Care cheaper at Costco? ›

AppleCare allows Apple product buyers to get help making repairs to their products over time — from AirPods to an Apple Watch that's malfunctioning — even if it's beyond its warranty period. Since Costco purchases items like this in bulk, it may be able to provide its customers with better pricing for AppleCare.

Is the Costco warranty worth it? ›

Not only does Costco have a great return policy, but the in-house Costco warranty is pretty darn good as well. Here's exactly how it works and what products at Costco come with a special warranty that far exceeds the manufacturer's warranty.

Is Costco free for seniors? ›

Unfortunately, Costco does not offer any free or discounted memberships for seniors, meaning that senior shoppers still have to pay full membership fees. The starting cost of a Costco membership is $60 per year, which gets you access to a Gold Star membership.

Does Costco give a AAA discount? ›

AAA & Costco Members Discount | AAA members receive 10% off and COSTCO members 15% off most services with valid member ID.

Does Costco pump tires for free? ›

Membership has its privileges.

These Lifetime services include inflation pressure checks, tire balancing, tire rotations, as well as flat repairs.

How old do you have to be to retire from Costco? ›

You can start collecting as early as age 62, but your benefit will be 25% to 30% less than if you wait until your full retirement age (between 66 and 67, depending on your birth year).

What does the executive Costco membership get you? ›

Executive Members earn an annual 2% Reward (up to $1,000) on qualified Costco, and Costco Travel** purchases, as well as greater discounts on Costco Services, such as lower prices on check printing and identity protection, and free roadside assistance for vehicles covered through the auto insurance program.

How much are Costco bonuses? ›

Costco Executive Members receive a 2% Reward on qualified purchases (see calculation of 2% Reward below). Reward is capped at and will not exceed $1,000 for any 12-month period.

Is the $120 Costco membership worth it? ›

The $120 annual fee for the Executive card is worth it if you spend more than $500 a month, or $6,000 a year total at Costco on eligible purchases. This is the exact amount to break even on the extra yearly membership fees. Most purchases online and even the trips and bookings you make via Costco Travel qualify.

What is the average income of a Costco member? ›

The standard Costco shopper is likely to be an Asian American married woman, has a college degree, is between the ages of 35 to 44, and makes more than $125,000. Costco has loyal members, with over 90% of members renewing their membership every year.

Do Costco members get a discount on gas? ›

Still, the gas discounts alone may be worth the membership cost, though your savings will vary depending on your location and your mileage. If you get an average 20 cents off a gallon of gas, you could save more than $112 a year, assuming your driving uses up an average of 562 gallons annually.

How do I opt out of Costco auto Renewal? ›

How can I manage membership Auto Renewal online?
  1. Go to and select Sign In / Register in the upper right corner of the page (just make sure your membership is verified beforehand).
  2. Under "Account," choose Renew Membership.
  3. Add, remove or select a Visa® or Mastercard® card for Auto Renew.

Does the Costco app have a price scanner? ›

Costco also has an app that customers can scan and pay for their orders. Scan and Go is a payment option that allows customers to use their smartphones to scan and pay for their items as they shop. This feature makes it easy and convenient for shoppers to get what they need and eliminates waiting in line.

How do I make an insurance claim at Costco? ›

To make a claim, call 1-855-841-4796 toll-free from the USA and Canada, or +1-519-988-7008 collect to Canada from anywhere else in the world. You can also start a claim on the TravelAid™ App.

What is the best car insurance right now? ›

The best car insurance companies:
  • Geico.
  • Amica.
  • USAA.
  • Safeco.
  • Auto-Owners.
  • State Farm.
  • Progressive.
  • New Jersey Manufacturers.

Who is the number 1 auto insurer in the US? ›

Progressive is the No. 1 auto insurance company in the country in terms of market share, followed by State Farm, Geico and Allstate.

What insurance companies have the best reviews? ›

Best car insurance companies
  • Best overall: Geico.
  • Best for wide coverage: Nationwide.
  • Best for customer satisfaction: State Farm.
  • Best for discounts: Farmers Insurance.
  • Best for military members and veterans: USAA.

What are the 3 most important insurance? ›

The Bottom Line

Most experts agree that life, health, long-term disability, and auto insurance are the four types of insurance you must have.

What is the World No 1 insurance company? ›

Ping An Insurance Group

What is the richest insurance company in the United States? ›

State Farm is the largest property and casualty insurance in the United States, with more than $70 billion in premiums in 2021. The rest of the top five insurers are Berkshire Hathaway, Progressive, Liberty Mutual and Allstate.

What insurances are not recommended? ›

15 Insurance Policies You Don't Need
  • Private Mortgage Insurance. ...
  • Extended Warranties. ...
  • Automobile Collision Insurance. ...
  • Rental Car Insurance. ...
  • Car Rental Damage Insurance. ...
  • Flight Insurance. ...
  • Water Line Coverage. ...
  • Life Insurance for Children.

Why does Warren Buffett like insurance companies? ›

Buffett's connection with insurers began 55 years ago, when he spent $8.6 million to acquire National Indemnity, a property and casualty insurance company based in Omaha, Nebraska. The most significant benefit of this purchase was the cash it generated, which Berkshire Hathaway could then put to work.

What is the most ethical company in the US? ›

Best Buy Co., Inc. (NYSE:BBY) has been honored for the eighth time by Ethisphere in 2022 for being one of the most ethical companies in the US and in the world. It has a significantly low ESG-risk score of 14.2, indicating its commitment to social, environmental and corporate-governance causes.

Does Costco use Aetna? ›

Costco business members can obtain group health insurance plans through a special health insurance marketplace. Previously a partnership with Aetna, Costco has joined forces with Custom Benefit Consultants, Inc.

Who does Costco use for extended warranty? ›

Through Costco Concierge Services - applicable items are automatically enrolled in an extended warranty up to 2 years from the date of warehouse purchase or date of delivery if the item was purchased online. Purchasing extended warranty coverage through Allstate Protection Plans.

Is Connect the same as American Family Insurance? ›

Formerly known as Ameriprise Auto and Home Insurance, the Wisconsin-based company was acquired by American Family Insurance in 2019 and renamed Connect in 2020.

Is Costco Good for retirees? ›

Older adults may find some great deals at this retailer, especially if you're retired and on a fixed income. Costco offers so much — useful, everyday items and also bizarre products you can buy at Costco that you may have never suspected. All of the savings is certainly a welcome surprise.

Is Costco Pharmacy cheaper with insurance? ›

Join the Costco Member Prescription Program (CMPP) for Additional Savings. The low Costco Pharmacy prices can get even lower through the Costco Member Prescription Program (CMPP). The CMPP, which is free for Costco members to join, is not insurance. There's no reimbursement when you make a prescription purchase.

What does Costco not accept? ›

Costco Warehouses and gas stations do not currently accept cards from any network other than Visa. This means Costco Members shopping in-store cannot pay with American Express, Mastercard or Discover—nor any other non-Visa credit card.

How good is Costco warranty? ›

All food items, both perishable and non-perishable, fall under Costco's liberal warranty policy. If you're not happy with any food item, either opened or not, you can return it for a full refund or exchange. What is this? Amazingly, Costco does not specify a specific time window for you to bring back food items.

Does the person who owns the Costco card have to be there? ›

The Costco membership card is non-transferable, but there are several ways to share the experience with family and friends. Anyone with a card can bring up to two guests to the Warehouse during each visit. Keep in mind that purchasing items is exclusive to Costco members.

Can I return something to Costco after 2 years? ›

Pretty much everything in the warehouse is returnable with no time limit. No questions asked. This guarantee also includes your Costco membership. You have 364 days from the date you sign-up to try out the membership and see if it works for you.

Who handles Costco claims? ›

We make it easy to start, manage, or track your Costco claim. Asurion is trusted by 300 million worldwide.

How do I use my Costco Allstate Protection plan? ›

File a claim
  1. For the fastest service, file a claim online. Or call us at 1-877-927-7268.
  2. Have your receipt and covered item with you.
  3. Many claims are approved instantly. In other cases, a specialist will guide you through next steps.

Is American Family good at paying claims? ›

Claims satisfaction (J.D. Power) — Above average: J.D. Power rated American Family as above average for overall claims satisfaction in 2021. Customer satisfaction (J.D. Power) — Excellent: American Family received the top rating for overall customer satisfaction among midsized insurers in the 2021 J.D. Power study.

What states does American Family Insurance Cover? ›

What states does American Family Insurance serve? American Family offers policies in 19 states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.


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