Costco services: every member perk, and who's behind it
Beyond the warehouse, Costco members get discounts on checks, insurance, phone plans, moving, home installations, travel and more. Most are run by other companies: Harland Clarke prints the checks, Figo sells the pet insurance, PODS does the moving. A few are Executive-only.
From Costco's Services page and the linked service pages, checked October 20, 2026. Offers change and aren't available everywhere.
Insurance
- Auto and home insurance: American Family Insurance, member discount, Executive roadside and lockout help. See Costco auto insurance.
- Pet insurance: Figo Pet Insurance, a 15% member discount where available. Underwritten by Independence American Insurance Company; waiting periods, deductibles and exclusions apply.
- Term life insurance: Protective Life Insurance Company, at a member-only rate; quotes online or 1-844-737-5433.
- Business health insurance: plans through The CBC Health Insurance Marketplace for Costco Members.
Costco's insurance is sold through Costco Insurance Agency, a licensed agent that may be paid by the insurers. Costco doesn't underwrite policies or pay claims, and the agency isn't licensed in New York.
Money and payments
- Checks and business forms: Harland Clarke, personal and business checks, tax forms and accessories, with free trackable standard shipping. Order at costcochecks.com.
- Buy now, pay later: Affirm, on purchases of $400 or more online and in the warehouse, at 10% to 36% APR based on credit.
- Credit card: the Costco Anywhere Visa by Citi. See what it pays.
- Costco Shop Cards: Costco's own gift card. See the Shop Card.
- Business payment processing: Elavon. Non-Executive members pay an application fee and monthly statement fees.
Home and moving
- Home improvement installations: a 10% Costco Shop Card on qualifying installed purchases, based on the pre-tax price, usually sent by email within 7 days of signing off the job. Includes Shaw flooring, Generac generators, Cosentino countertops, Amarr garage doors, Leafguard gutters, Vivint home security, windows, bath remodels and HVAC.
- Moving and storage, Executive only: PODS. With at least 2 months of storage: free standard local delivery, up to 4 free redeliveries a year, and 20% off storage and long-distance moves, at participating locations.
- Junk removal, Executive only: 1-800-GOT-JUNK?, 20% off residential pickups, but only in Chicago, Salt Lake City, Seattle and Bellevue/Tacoma for now.
- Carpet cleaning: carpet, tile, furniture and air duct cleaning (no Shop Card).
- TV mounting: Angi, for TVs 65 inches or larger.
- Major appliances: delivery, basic installation and haul-away at no added charge, with a 2-year warranty. See the Costco warranty.
- Bottled water delivery: to your home or office.
Health and pets
- Pet telehealth: AskVet, with free, unlimited access to its Vera AI and one free VetChat with a licensed professional for Executive members.
- Pharmacy: discounted prescriptions, even without insurance. See pharmacy hours.
- Hearing aids and optical: free hearing tests for members 18 and over. See optical and hearing aids.
- Medicare OTC cards: Costco accepts prepaid benefit cards at all registers.
- Pet medications and fertility medication: member pricing at the pharmacy.
Cars, travel and phones
- Cell phones and plans: AT&T and T-Mobile, sold in the warehouse. For T-Mobile, Costco lists a waived $35 device connection fee, Digital Shop Cards on new lines or upgrades, and 90-day returns.
- Tires: free installation and a 5-year road hazard warranty. See Costco tires.
- Car buying: the Costco Auto Program, plus 15% off parts and service at participating dealers. See the Auto Program.
- RV buying: member savings on eligible new RVs from Camping World.
- Car wash: at warehouses that have one.
- Truck rentals.
- Costco Travel: packages, cruises and rental cars. See Costco Travel and car rental.
- Delivery: Same-Day by Instacart and 2-Day groceries. See Costco delivery.
- Photos: Shutterfly, 51% off for members. See Costco photo center.
- Caskets: delivered to the funeral home of your choice, included in the price.
No service matches that. Try a broader word.
Common questions
Does Costco print checks?
Not itself. Costco members order personal and business checks from Harland Clarke through costcochecks.com, linked from Costco's checks page, with free trackable standard shipping. Costco says its prices compare well with banks'.
Does Costco have pet insurance?
Yes, through Figo Pet Insurance, with a 15% member discount where available. Executive members also get free pet telehealth access through AskVet.
Does Costco sell phone plans?
Yes, AT&T and T-Mobile phones and plans, in the warehouse.
Which Costco services are Executive-only?
PODS moving and storage, 1-800-GOT-JUNK? junk removal in a few cities, and the free pet telehealth extras. Executive members also get more on auto insurance and lower business payment processing fees. Tick "Executive-only perks" above to filter.
Do these services earn the Executive 2% reward?
Mostly not. Costco's reward exclusions include Costco Services, third-party insurance and non-Costco websites. See what earns the 2%.
Sources: Costco Services and its footnotes, Costco's checks, pet insurance, life insurance, cell phones, PODS and junk removal pages, checked October 20, 2026. Run Don't Walk is an independent fan site, not affiliated with Costco or any of these companies.