Buying Insurance at Costco, Sam’s Club and BJ’s Wholesale Clubs

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Sep 24, 2020

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Insurance provides peace of mind by knowing that when a disaster or illness strikes – you’re covered. Peace of mind can be expensive though, especially if you live on a fixed or low income or have dependents to cover. Fortunately, with the help of mass retailers, there’s a cheaper way to buy insurance plans from trusted providers.

Wholesale clubs sell insurance through 3rd party partners, but being members can unlock hidden savings, exclusive discounts, and additional free perks. Whether you’re in the market for auto, home or health insurance, there may be options for you.


Costco offers health insurance, vision plans, dental plans, short term medical and individual life insurance policies through CBC Benefit & Insurance Services to cover both individuals and small groups. The Costco Health Insurance Marketplace can help you find personalized options that address you and/or your employees’ needs while staying within budget.

Some benefits include:

  • Shop for Medicare plans that include Costco pharmacies
  • HMO or PPO plans with in-network and out-of-network options
  • Add spouse and/or dependents
  • Subsidy eligibility review for discounts

To learn more about what options Costco has for you, log on to or call (855) 332-3821.

Partnered with Ameriprise Auto & Home Insurance, Costco also offers home and auto insurance with a members-only discount. Their auto insurance offers a wide range of coverage options from basic coverage to collision to specialty insurance to umbrella insurance and beyond.

Additional benefits include:

  • Safe driving, multiple vehicles and multiple policy discounts
  • 24/7 claims assistance
  • Get identity theft protection under your home insurance plan
  • Your choice of licensed facilities for auto repairs
  • Home insurance deductible choices for hurricane, wind or hail
  • Flood protection

Rent or lease? Ameriprise has options to protect your personal property. You’ll also receive added credit card, check fraud and identity theft protection.

If you’re a Costco Executive Member, you may qualify for additional perks with your auto or home policies like 24-hour roadside assistance, home glass repair reimbursement and lifetime renewability.

Call 1-888-404-5365 for more information and mention reference number 8A8, as this lets them know you’re a Costco member. Insurance coverage varies by region or state. For instance, the auto and home insurance program is not currently available in Alaska, Florida, Louisiana, Maine, North Dakota, Rhode Island, West Virginia, Wyoming and Puerto Rico.

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Sam’s Club

In 2014, Sam’s Club partnered with Aetna to create a private healthcare exchange within its warehouse club network. While the marketplace is targeted toward Sam’s Club Small Business Members with at least two employees for the purchase of small group plans, individuals can also sign up.

The individual plans offer many of the same coverage options as their public marketplace counterparts, such as:

  • HMO or PPO coverage, including possible discounts
  • Add spouses and/or dependents
  • Subsidy eligibility review for discounts
  • Flexible, personalized options
  • Medicare coverage

To see the plans you specifically qualify for and the extent of your coverage, you can call 1-888-327-0388 and speak to a live representative.

Additional benefits for business owners include:

  • Defined contribution plan option
  • Flat, pre-tax, employee-selected contribution plan option
  • Live access to support
  • Guided healthcare shopping experience

Currently, business plans are offered in 21 states, but beginning in November 2015, coverage quotes will expand to include Idaho, Utah, Wyoming, Louisiana, South Carolina, West Virginia and New York.

Medicare Part D options (the part that covers prescription drugs for Medicare recipients) are also available. Open enrollment for this option begins October 15, 2015 and runs until December 7th.

If you fill your prescriptions at Sam’s Club or its parent company, Wal-Mart, you could experience additional savings.

BJ’s Wholesale Club

Like Costco, BJ’s offers home, auto, healthcare, vision, dental and short term medical plans for individuals and small groups. They also help you shop for Medicare coverage. Their specialty business partner, eHealth, can help you research plans from over 180 carriers. More carriers means more options to ensure you’re getting the best coverage at a fair price without paying for services you don’t need or want.

BJ’s Wholesale Club Members can receive exclusive savings on auto and home insurance from Liberty Mutual, including renters insurance.

Auto policy benefits include:

  • Accident forgiveness
  • New car replacement
  • Multi-policy bundle discounts
  • Renters and condo insurance

Home insurance policies include options like:

  • Personal liability for if someone is accidentally injured on your property
  • Loss forgiveness and personal property protection from smoke, fire or lightning
  • Emergency repair services
  • Online policy management
  • Newly purchased home discounts
  • New/renovated home discounts

Check out BJ’s Member Services portal for more information.

While buying insurance through mass retailers can seem strange at first, these affiliate programs could help you save a few extra bucks and provide that much-coveted peace of mind.

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