Best Pet Insurance in Illinois

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Contributor, Benzinga
Updated: July 7, 2022

Did you know many of our readers end up choosing Lemonade Pet Insurance for their pet insurance coverage?

Pet insurance can give you peace of mind because you know you’ll be covered the next time your dog or cat needs medical care. If you're looking for the best Illinois pet insurance, use our guide to direct your search.

The Best Pet Insurance in Illinois:

  • Lemonade Pet Insurance
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    Best For
    Top-rated pet insurance
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    securely through Lemonade Pet Insurance's website
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    Lemonade is currently available in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District Of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin,

  • Spot Pet Insurance
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    Best For
    Prescription food and supplements
    Overall Rating
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    securely through Spot Pet Insurance's website
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  • Embrace Pet Insurance
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    Best For
    Training and grooming
    Overall Rating
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    securely through Embrace Pet Insurance's website
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  • Pumpkin Pet Insurance
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    Best For
    Families with multiple pets
    Overall Rating
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    securely through Pumpkin Pet Insurance's website
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    Limitations apply. For terms and conditions, visit Pumpkin Insurance Services Inc. (NPN#19084749) (“Pumpkin”) is a licensed insurance agency, not an insurer. Insurance plans underwritten by United States Fire Insurance Company. Preventive Essentials is not an insurance policy, and is not available in all states.

Pet Insurance in Illinois: An Overview

If you’re a pet owner in Illinois, you can save yourself the hassle of dealing with exorbitant vet bills with an affordable insurance policy. First, check out a few key stats from the North American Pet Health Insurance Association

Number of households with pets: 85 million 

Amount spent on pet bills annually: $15.25 billion

Average cost of pet insurance annually: $168 to $1,176 (depending on the tier)

But even with pet insurance, you’ll have to pay out of pocket to cover the cost of care. When your pet receives treatment, you can submit a claim to the insurance provider for reimbursement. The insurance provider will review the claim to confirm the services rendered qualify under the plan. Once it’s approved, funds will be deposited to your bank account or sent to you via paper check.

Coverage levels vary by plan. You can select a policy that covers you 100%, but you’ll pay higher premiums than you would with a plan that only offers 60% coverage. 

You’ll also be responsible for the deductible, or the amount you must pay out-of-pocket before coverage kicks in. Some pet insurance plans offer no deductibles, while others can go as high as $1,000. The higher the deductible, the lower the premiums. But you want to have the cash on hand to cover this amount in the event if you need to file a claim. 

Claims won’t be processed at the tap of a fingertip, but you won't have to wait too long for reimbursement. Most claims are completed within a few business days. If your claim is complex or the insurance provider requests additional information, the processing window could be much longer. 

The insurance provider also has the right to deny the claim if it doesn’t meet the standards for reimbursement per the policies outlined in the plan.

What Does Pet Insurance Typically Cover?

Most pet insurance policies cover accidents and illnesses for your dog or cat. If you have an exotic animal, like an iguana, ferret, bird, reptile or rabbit, you can also purchase coverage under an exotic pet insurance policy. 

  • Accident coverage applies if your pet is involved in an accident and sustains injuries. For example, if your dog eats a poisonous plant, swallows an oversized ball or breaks a limb, the cost of care may be covered. 
  • Illness coverage applies when your pet suffers from an unexpected illness, like an infection or cancer not related to an underlying medical condition.

Not all pet insurance policies are the same. Some providers offer both coverages under 1 policy, while others offer accident-only plans. 

Select plans also cover routine care, prescription drugs and preventive surgeries. They are referred to as “insurance with embedded wellness” policies. You may have to spend a bit more to purchase these plans. 

You may have to go through a waiting period before your pet is covered. This prevents pet owners from purchasing coverage if their pet has fallen ill or been involved in an accident. A waiting period may also apply for select medical conditions. 

Some exclusions may apply. In most instances, preexisting conditions and select chronic conditions usually aren’t covered under pet insurance plans. You may also have to pay out-of-pocket for rabies vaccinations. 

3 Reasons to Buy Pet Insurance in Illinois

It’s not hard to come up with a long list of reasons to buy pet insurance, and here’s what’s at the top of our list: 

  1. The monthly premiums are affordable, and it’s possible to get adequate coverage for under $100 per month. (Quick note: Coverage is offered up to the annual maximum of the plan. Any expenses incurred over this amount won’t be covered under by the policy).  
  2. It helps reduce out-of-pocket costs of major medical treatments, including radiation therapy and surgery. 
  3. You’re allowed to select your provider as there are no network restrictions. But the veterinarian must be licensed for the claim to be eligible for reimbursement. 

The Best Pet Insurance in Illinois

The best pet insurance providers have a track record of success and offer exceptional customer service. They also have flexible plans to choose from at affordable rates.

We’ve included a list of the top providers in Illinois to help you evaluate your options. 

Lemonade Pet Insurance
Best For
  • Top-rated pet insurance
securely through Lemonade Pet Insurance's website

1. Highest-Rated Pet Insurance: Lemonade Pet

Lemonade Pet offers top-rated pet insurance starting at just $10 a month for puppies, kittens, dogs and cats. As a Lemonade Pet user, you'll benefit from several unique features that make their seamless digital experience stand out above the crowd:

  • An AI-powered platform and chatbot, Maya, allow buyers to customize their insurance, crafting the perfect plan.
  • Lemonade offers "super fast everything". You can apply and get coverage in seconds.
  • Their claims process is also super fast, meaning you’ll often be paid in mere minutes after submission with a deposit directly into your listed bank account.
  • Lemonade works on a pay-up-front model, meaning you always know what your insurance costs will be (and they donate any remaining funds to good causes!).

Lemonade Pet’s coverage is both comprehensive and customizable. It can cover expenses for things like diagnostics, procedures such as emergency care, surgery and more, medication like injections and prescriptions. It’s also perfect for puppies and kittens because it’s preventative care plan includes things like spaying and neutering as well as microchipping and other services.

See your rate with Lemonade Pet and find a plan. Lemonade offers several types of insurance (Home, Pet and more) and you can get discounts if you bundle your policy.

Pumpkin Pet Insurance
Best For
  • Families with multiple pets
securely through Pumpkin Pet Insurance's website

2. Best for Dog and Cat Coverage: Pumpkin Pet Insurance

Pumpkin offers some of the best dog and cat insurance on the market. You’ll find a wide range of covered conditions, including optional preventive care coverage. All policies provide a 90% reimbursement rate. 

A sample quote will clearly outline exclusions and other policy details. Pumpkin can answer any of your questions via its customer service team. Pumpkin’s customer service team can be reached by:

  • Calling 1-866-ARF-MEOW (1‑866‑273‑6369), Monday to Friday from 8 a.m. to 8 p.m. EST.
  • Emailing

Its new online chat features are in the works to make service even more convenient.

Spot Pet Insurance
Best For
  • Prescription food and supplements
securely through Spot Pet Insurance's website

3. High-Quality Pet Insurance: Spot

Spot Pet Insurance is the No. 1 pet insurance provider recommended by Cesar Millan, the leading expert in dog behavior. Some insurance highlights:

Up to 90% reimbursement on eligible vet bills
No age cap on coverage
Plans start as low as $1 a day* — that’s less than a cup of coffee!

You can customize your coverage and can even add special Spot-On coverage. Coverage options include accidents, behavioral issues, dental disease, illnesses, preventive services and even hereditary and congenital conditions.

Spot’s claims service is easy. Just visit your vet (don’t forget to give your pet a treat on the way out!), send Spot the bill and get reimbursed.

Take 30 seconds to fetch your free quote now.

*Rates vary based on plan type, species, breed, age and location

Embrace Pet Insurance
Best For
  • Pets with chronic conditions
securely through Embrace Pet Insurance's website

4. Most Affordable in Illinois: Embrace Pet Insurance

Consider a plan from Embrace Pet Insurance if you want to save a bundle on coverage. You can adjust the deductible, annual maximum and reimbursement percentage to reach a monthly premium that fits your budget. 

Embrace Pet Insurance covers accidents, illnesses, exam fees and preventive veterinary care. Training and grooming may also be covered under your plan. 

You could save even more on out-of-pocket costs as time goes on with Embrace’s Diminishing Deductible feature. With each year that passes where you don’t file a claim, your deductible will drop by $50. 

Claims can be filed by email, fax or electronically. Most policyholders receive 90% back on their claims. 

Best For
  • Immediate Coverage
securely through PetFirst's website

5. Best for Short Waiting Period: PetFirst 

PetFirst prides itself on having the shortest waiting periods in the pet insurance industry. Its policies are as follows:

  • Standard illnesses: 14-day waiting period
  • Cruciate illnesses: 12-month waiting period

Accident and illness coverage for dogs and cats start at only $15 and $9 per month, respectively. You’ll have the satisfaction of qualifying for coverage in record time at a low monthly cost. You can also add a routine wellness rider to your policy for only a few dollars more per month. 

It’s easy to file a claim and you’ll be reimbursed within 2 weeks. You won’t have to chase your veterinarian for documentation because the claims processing department will do it for you. 

Progressive Pet
Best For
  • Bundling with other insurance products
securely through Progressive Pet's website

6. Best for Routine Care: Progressive

Progressive Pet Insurance offers 3 types of policies — Accident Only, BestBenefit Accident and Illness and Optional Routine Care. 

They are all solid options if you’re seeking coverage, but the Optional Routine Care plan is best if you’re searching for all the added extras. It can be added to the Accident-Only plan and covers the following supplemental services:

  • Wellness exams
  • Blood work
  • Dental cleaning 

Get Pet Insurance in Illinois 

Don’t get caught off-guard the next time your pet falls ill. Consider purchasing a pet insurance policy to help offset hefty medical bills. This way, you won’t have to lay your beloved companion to rest because you’re unable to afford your pet’s health care costs. 

It’s easy to find an affordable plan that works for you from our list of recommended providers. Simply enter your ZIP code to obtain a quote. If the options don’t quite work for you, there’s no obligation to move forward.