Best Pet Insurance in Illinois: Top Companies & Plans (2023 Review)

by | 10/31/2022

The Prairie State or the Land of Lincoln is a fantastic place to have pets. Illinois has many breathtaking sights that you and your pet can enjoy together. Therefore, it’s wise to have a pet insurance plan in place in case your pet has an accident while you’re out or if it develops an illness. As loving pet parents, we never want to think about our pet being sick or hurt, so pet insurance can give us peace of mind knowing that our pet is covered if anything happens.

In this article, we’re sharing an in-depth breakdown of the following pet insurance providers so that you can choose the best pet insurance in Illinois for you and your pet: 


Best Illinois Pet Insurance Companies & Plans

Provider Visit Site Waiting Period  Money-back Guarantee Maximum Enroll Age BBB Rating
Spot Site Link 14 days* Yes No age limit A
Lemonade Site Link 14 days for illnesses*, 48 hours for accidents  No 14 years old F
Embrace Site Link 14 days for illnesses*, 48 hours for accidents Yes 14 years old A+
Healthy Paws Site Link 15 days* Yes 14 years old A-
ASPCA Site Link 15 days*  Yes No age limit N/A

*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting period times, usually six months to a year. This is common among many pet insurance providers, but most illnesses will be covered after the waiting period listed above. 

Pet Insurance Companies in Illinois Reviews

Every pet insurance company has its pluses and minuses. What’s important is that you consider what features are non-negotiable for you and what features you can live without. To help you out, we at 365 Pet Insurance have compiled the following information about many pet insurance providers so that you can easily compare and contrast their offerings. Keep reading to learn more about discounts, plan types, average costs, coverage options, and much more. 

Spot Pet Insurance

Spot pet insurance is our number one pick for pet insurance because it offers a huge variety of pet insurance plan types, multiple wellness plan options, and reasonable pricing. We love that Spot pet insurance is a partner of Cesar Millan, the famous dog trainer, because it has resulted in fantastic behavioral issues coverage and free educational materials for pet parents. We also like that Spot offers a multi-pet discount of 10% and an accident-only plan that is less expensive and gives pet parents catastrophic coverage. 

Spot’s accident-only plan starts at $10 per month, and its complete coverage accident and illness plan start at $16. However, you can typically expect to pay $40 for dogs and $22 for cats each month. With Spot’s accident and illness plan, your pet will receive coverage for many things, including dental diseases, behavioral issues, hospitalizations, exam fees, congenital conditions, and much more. These plans won’t cover exotic animals, cosmetic procedures, breeding costs, or pre-existing conditions. 

Its wellness plans will cover your pet for routine veterinary care, such as dental cleanings, wellness exams, deworming, vaccinations, and much more. Spot’s gold plan costs $9.95 per month and gives you a total annual benefit of $250. If you’re looking for even more coverage, its platinum plan costs $24.95 per month and gives you a total annual benefit of $450. 

Overall, we love that Spot pet insurance has so many customization options for its plans, many types of plans, and competitive pricing. We also like that it covers dental illnesses and behavioral issues, which are two standard exclusions among some pet insurance providers. 


  • No upper age limit
  • Several wellness plan options
  • 30-day money-back guarantee
  • User-friendly mobile app for submitting claims


  • Does not cover exotic animals
  • No coverage for prescription pet food

Lemonade Pet Insurance

Lemonade is a New York-based pet insurance company that is newer to the market. It offers many types of insurance, including renters’, car, life, and home insurance. If you bundle your home insurance with pet insurance through Lemonade, you can receive 10% off your pet insurance. It also offers a mobile app where you can check your policies, submit claims, add additional pets, and much more. Lemonade is one of our top insurance picks due to its more affordable pricing, comprehensive accident and illness coverage, and preventative care package add-ons. 

With Lemonade, you can expect to pay around $37 per month for dogs and $15 per month for cats. However, some of these plans start as low as $10 per month, depending on your pet’s location, age, health, and the customization options you choose. Your pet will be covered for diagnostic testing, hospitalizations, surgeries, prescription medications, and much more with the accident and illness plan. You can customize many plan features, including your reimbursement percentage, annual deductible, and coverage limit. If you’re interested in preventative care, Lemonade offers a cat, kitten, dog, and puppy preventative package add-on. These packages will cover routine veterinary care costs, such as annual wellness exams, vaccinations, medical advice chat, heartworm tests, blood tests, and much more. If you opt for the kitten or puppy plan, you’ll receive additional coverage for things like routine dental cleanings, microchipping, and spaying/neutering. None of these plans will cover pre-existing conditions, exotic animals, dental care, and cosmetic procedures. 


  • Completely online experience
  • 5% multi-pet discount
  • Coverage for exam fees and physical therapy 
  • Additional preventative care coverage for puppies and kittens


  • Six-month waiting period for cruciate ligament events
  • Newer to the market

ASPCA Pet Insurance

ASPCA pet insurance is a great option for pet parents looking for many customization options and plan options. ASPCA offers an accident-only plan, accident and illness plan, and preventative care options. It also allows you to choose between multiple annual deductibles, annual limits, and reimbursement percentage choices. Typically, you can expect to pay around $49 per month for dogs and $29 per month for cats. However, its accident-only plans will likely cost substantially less than this. With an accident and illness plan, your pet will receive coverage for things like hospitalizations, diabetes, congenital conditions, and dental diseases. However, ASPCA doesn’t have comprehensive dental disease coverage compared to other providers. We love that ASPCA has alternative therapies and behavioral issues coverage, unlike many other providers. It won’t cover pre-existing conditions, exotic animals (except for horses in some states), cosmetic procedures, or breeding costs. 

ASPCA has many pros, including a generous 10% multi-pet discount and a great mobile app that allows you to submit and track your claims, contact ASPCA, review your benefits, and pay your bill. It also doesn’t require an exam before enrollment, which is a significant time-saver for pet parents. We also love its curable pre-existing conditions policy. No pet insurance provider will give you coverage for pre-existing conditions. However, ASPCA will cover pre-existing conditions that are curable and symptom-free for 12 months. We don’t love that ASPCA has worse customer reviews than other pet insurance providers. However, its partnership with the American Society for the Prevention of Cruelty to Animals and many customization options greatly benefits pet parents. 


  • Microchipping coverage
  • 10% multi-pet discount
  • Lower deductibles
  • Partner of American Society for the Prevention of Cruelty to Animals


  • Poor customer reviews
  • Low annual coverage limits

Embrace Pet Insurance

Embrace pet insurance was founded in 2003 and offers extensive coverage. We love that it covers many things that other pet insurance providers exclude, including grooming, preventatives, cancer, hip dysplasia, and much more. Its accident and illness plan is among the most comprehensive pet insurance plans on the market and covers things like congenital conditions, cancer, hospitalizations, diagnostic testing, dental illness, prosthetic limbs, behavioral therapy, and much more. You can expect to pay anywhere between $20 and $100 for this type of coverage with Embrace. For wellness coverage, you have a choice between three tiers: a $18.75 per month plan with $250 in yearly allowance, a $35.42 per month plan with $450 in yearly allowance, and a $52.09 per month plan with $650 in yearly allowance. These plans will help with the costs of routine veterinary care, including wellness exam fees, microchipping, vaccinations, spay/neuter surgery, preventatives, and much more. Embrace’s plans won’t cover DNA cloning, exotic animals, pre-existing conditions, or cosmetic procedures. 

We love that Embrace has a convenient mobile app that lets you submit and track claims. It also has a unique Healthy Pet Deductible, which reduces your annual deductible by $50 each year that you don’t submit a claim. Other significant benefits include Embrace’s 10% multi-pet discount and 5% military discount. Overall, we love that Embrace has such thorough coverage and many wellness plan options. It also offers customization choices for reimbursement rates, annual deductibles, and annual limits. Embrace can be pricier, but you do receive extensive coverage for the higher price point.


  • Comprehensive accident and illness plan
  • Unique Healthy Pet Deductible reduces your deductible over time
  • Embrace donates $2 to charity with each policy sold
  • User-friendly mobile app allows you to submit claims quickly


  • Strict pre-existing conditions policy
  • Annual maximums

Healthy Paws Pet Insurance

Healthy Paws is a charitable pet insurance provider that has donated to over 300 nonprofit pet charities through its Every Quote Gives Hope and Refer-A-Friend grant programs. It was founded in 2009 and offers a comprehensive accident and illness plan. Its accident and illness plan covers many things such as cancer, diagnostic treatments, hospitalizations, prescription medications, alternative treatments, and much more. However, keep in mind that Healthy Paws does not offer any wellness plan or routine veterinary care. It also won’t cover pre-existing conditions or exotic animals. You can typically expect to pay around $40 per month for dog insurance and $12 per month for cat insurance. 

A few things we don’t love about Healthy Paws include its upper age limit of 14 years, which doesn’t let you sign your pet up after its 14th birthday, and its decreasing reimbursement rates and increasing deductibles as your pet ages. It also has a lengthy 12-month waiting period for hip dysplasia conditions. However, we like that it has a 30-day money-back guarantee and maximum unlimited payouts. It also has prescription medication and alternative treatment coverage, which are common exclusions among pet insurance providers. 

Overall, we think Healthy Paws is an excellent choice for pet parents looking for comprehensive accident and illness coverage at an affordable rate. However, we urge you to consider if routine care coverage is important to you since Healthy Paws doesn’t offer any wellness plan.  


  • Donates to over 300 nonprofit pet charities
  • User-friendly mobile app allows users to submit claims and track processing
  • Unlimited lifetime benefits
  • More affordable than other providers


  • No wellness or preventative care plan options
  • No multi-pet discount

How Does Pet Insurance Work in Illinois? 

Pet insurance works by reimbursing you for out-of-pocket veterinary costs covered by your pet insurance policy. Depending on the plan you choose, your pet can be covered for accidents, illnesses, and even routine veterinary costs. When your pet is on an active pet insurance policy, you can take your pet to any licensed veterinarian, vet clinic, or animal hospital for care. Unlike human healthcare insurance, you never have to worry about your pet’s veterinarian being “in-network.” 

You’ll pay any veterinary bill at the clinic, then submit your receipt to your provider. Once the claim is approved, you’ll be reimbursed based on the reimbursement percentage in your policy, which is typically 50 to 90% of the total bill. Knowing that you’ll be reimbursed for 50 to 90% of your vet bills can give you peace of mind knowing that your pet will have access to veterinary care if it has an accident or develops an illness. 

How to Choose the Best Pet Insurance in Illinois for You 

Pet health insurance shopping can feel overwhelming with the many choices out there. To help you out, we’ve created the following breakdown of the most common pet insurance plan types and features you should consider before choosing a plan and provider. 

Here are the three most common pet insurance plan types: 

  • Accident-only coverage: As the name suggests, accident-only coverage will help you with the costs of accidents your pet may have, such as animal bites, broken bones, swallowing a foreign object, poisoning, and more. It won’t help with illness or routine care costs. 
  • Accident and illness coverage: Accident and illness coverage is the most comprehensive type of plan and helps with both accident and illness-related costs. This includes things like diabetes, cancer, arthritis, hip dysplasia, infections, and more. It won’t help with routine care costs. 
  • Wellness plans: Wellness plans are usually add-ons to one of the other types of pet insurance plans. These add-ons help with routine veterinary care costs, such as wellness checkups, vaccinations, deworming, and routine blood work. 

In addition to deciding what kind of plan you’re interested in, consider the following factors before choosing a provider or plan: 

  • Does the provider offer a convenient mobile app to submit and track claims?
  • Will the plan cover prescription diets or medications?
  • Can you speak with your pet insurance provider through your preferred communication method (email, live chat, phone, etc.)?
  • Will the plan cover alternative therapies, such as acupuncture, physical therapy, or behavioral issues?
  • What are its exclusions?
  • Will the pet insurance provider give you a free pet insurance quote?
  • Is your pet’s breed prone to specific conditions? Does the plan cover these conditions?
  • Are wellness plans or add-ons offered by the pet insurance provider?
  • Will the plan cover prescription diets or medications?
  • Does the provider have positive customer reviews and reports?
  • Are dental illnesses and cleanings covered?

Here at 365 Pet Insurance, we recommend enrolling your pet in a plan as quickly as possible. This will help you avoid your pet having pre-existing conditions which are never covered by pet insurance. As a result, signing your pet up as early as possible is your best bet to get the most coverage possible. 

How Much Does Pet Insurance Cost in Illinois?

Pet insurance costs will vary significantly based on where you live and factors about your pet, such as its age, breed, and more. These factors can make your monthly premium cost much more or less. Other factors include the type of pet insurance coverage you choose and if you add a wellness coverage plan. Typically, you can expect to pay around $30 to $60 for accident and illness coverage for dogs and $15 and $30 for cats. The majority of wellness plan add-ons will cost an additional $10 to $25 per month. 

Please keep in mind that your monthly premium will vary based on the provider you choose, the plan type you choose, and if you have a wellness plan. Accident-only plans tend to be cheaper and great options for catastrophic coverage. We recommend that you get a quote from every provider of interest so that you can compare plan costs as well. 

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost
Spot $40 $22 $9.95 (gold), $24.95 (platinum)
Lemonade $37 $15 $10 to $34/month for cats, $15 to $40/month for dogs
Embrace $35 $18 $35
Healthy Paws $39 $12 Not offered
ASPCA $49 $29 $9.95 (basic), $24.95 (prime)

Monthly Cost of Pet Insurance by Illinois City

Here are some examples of monthly premiums for pet insurance for 4-year-old medium-sized mixed breed dogs in five different cities.

City  Monthly Cost
Chicago $46.02
Peoria $37.44
Gurnee $38.04
Aurora $36.84
Rockford $36.28

Final Thoughts 

Pet insurance is an excellent investment for many pet parents looking to protect their finances and ensure that they can always provide the best veterinary care for their pets. Illnesses, accidents, and chronic conditions can quickly add up and become expensive. However, costs should never affect our decisions when it comes to getting our pets the care they need. Pet insurance provides you with a financial safety net so that you can provide for your pet. We hope this piece on pet insurance in Illinois helps you narrow down your choices for a pet insurance plan and provider. Regardless of which plan you pick, you’re making a significant investment in your pet’s health. 

Information for Pet Owners in Illinois

Illinois has many pet-friendly locations, especially for our canine friends. Whether you’re visiting the Windy City or a resident of Illinois, there are many things you can do with your pet, multiple pet resources, and pet laws that you should be aware of. Keep reading to learn how to keep your pet adventures fun in Illinois.

Illinois Pet Laws 

Before taking your pet out, you should know the following Illinois pet laws

  • If your dog bites anyone, it will be confined and kept under the observation of a licensed vet for at least 10 days. If you have knowledge of a dog bite, you’re legally required to report this.
  • Dogfighting is strictly prohibited. 
  • Owners must retain and keep records of all veterinary treatments from the last five years. 
  • Dogs must be on leashes at all times when they’re not in their homes or owners’ cars. 
  • Dogs must have current dog license tags and be kept up-to-date on vaccinations.

Cities and jurisdictions may have their own laws, so we recommend that you always check with your local area to make sure you comply with the local laws.

Fun Things to Do With Your Pet in IL

There are many pet-friendly places to take your furry friends to in Illinois. Check out these following pet-friendly Illinois establishments: 

  • Mercury’s Canine Cruise: In Chicago, you can take your dog on board a ship and take your dog on a mini-cruise. This service offers water bowls, a dog restroom, and safe seating for dogs. 
  • Captain Morgan Club in Chicago: This restaurant offers outdoor seating for you and your dog. 
  • Montrose Dog Beach: Located in Chicago, this beach is an off-leash beach featuring a fenced-in area and a dog wash area. 
  • Beck Lake Dog Park: If you’re near Des Moines, check out this fenced-in park which is made up of over 44 acres. It features pet-friendly trails, drinking fountains, training arenas, and swimming pools.
  • Amato’s Pizza: Located in Aurora, you can enjoy a delicious pizza while sitting outside with your pup.

Illinois Pet Resources 

If you or someone you know is in need of financial assistance caring for your pet, check out the following Illinois pet resources: 

  • The Animal Welfare League: Located in Chicago Ridge, this establishment offers pet food, spaying and neutering service assistance, and wellness checkups help. 
  • Best Buddies Pet Pantry: This mobile pet food bank provides free pet food to families and pets in need. It also gives out flea/tick preventatives, cat litter, and other pet supplies. It can even help you find low-cost vaccines and spay/neuter services. 
  • Humane Society of Central Illinois and Southern Illinois: These humane societies offer discounted rates on spay/neuter services and a variety of other pet resources. 

Frequently Asked Questions About Pet Insurance in Illinois

Do all vets take pet insurance? 

In short, yes. Your pet insurance provider doesn’t work with your vet, so you don’t have to worry about your vet being in-network like a human health insurance plan. Instead, you submit your claim directly to your pet insurance provider, which will reimburse you based on your coverage. This allows you to go to any licensed veterinarian, whether they are at a clinic or animal hospital, to get your pet the care they need. As long as the treatment is covered under your plan, you’ll be covered.

Do pet insurance policies have waiting periods?

Yes, pet insurance policies more than always have waiting periods. between your initial enrollment period and when coverage officially begins for the plan. Across most providers, the standard is around 14 days for accidents and illnesses, but some others, including Lemonade and Embrace, can shorten your waiting period to as low as two days for accidents.

Does pet insurance cover all veterinary expenses? 

No, pet insurance won’t cover all expenses you build up at the vet’s office. However, insurance will typically cover accidents and illnesses that aren’t pre-existing. Some policies will even offer wellness and preventative care add-ons that add additional benefits to your policy, like wellness exams and vaccines.

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.