Best Pet Insurance Companies In Illinois For 2024

Lemonade Pet Insurance stands out as the top choice for pet insurance in Illinois.

We’ve saved shoppers an average of $350 per year on their pet insurance.

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Updated: 08 May 2024
Written by Doug Schaffer
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Our pet insurance experts carefully analyzed 40 quotes from 18 different pet insurance providers to identify the most comprehensive coverage options for various situations. Lemonade Pet Insurance not only came out on top for overall coverage in Illinois but also received high marks for affordability, making it a great choice for owners with young pets.

However, it’s worth noting that ASPCA, Embrace, and Pets Best Pet Insurance also performed exceptionally well in specific categories.

In the following sections, we will take a closer look at the best pet insurance options available in Illinois and discuss the factors that can impact the cost of your premium.

Best Pet Insurance Companies In Illinois, 2024

Best Overall Coverage - Lemonade Pet Insurance
Best for Affordable Coverage - Lemonade Pet Insurance
Best for Owners of Young Pets - Lemonade Pet Insurance
Best for New Pet Owners - ASPCA Pet Insurance
Best for Cat Owners - Embrace Pet Insurance
Best Pet Insurance, Illinois 2024

Compare The Best Pet Insurance Companies In Illinois

Overall Rating Average Annual Cost for Dogs Coverage Waiting Period Average Annual Cost for Cats Best For Get A Quote
Lemonade Pet Insurance


2 days for accidents and 14 days for illnesses


Overall Coverage

Instant Quote
Lemonade Pet Insurance


2 days for accidents and 14 days for illnesses


Affordable Coverage

Instant Quote
Lemonade Pet Insurance


2 days for accidents and 14 days for illnesses


Owners Of Young Pets

Instant Quote


Immediately for preventive care and 14 days for illnesses and accidents


New Pet Owners

Instant Quote


48 hours for accidents and 14 days for illnesses


Cat Owners

Instant Quote
Pets Best


3 days for accidents and 14 days for illnesses


Owners Of Multiple Pets

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Our Methodology

In our quest for the best-priced pet insurance in Illinois, we've conducted a meticulous analysis of data from multiple insurance companies operating in the state. Additionally, we tapped into the extensive 25 years of experience of our insurance experts to evaluate each provider.

It's important to remember that while the rates presented in this guide are current, premiums can change daily. These changes are influenced by factors such as your pet's age or breed.


Quotes Analyzed


Years Of Industry Experience


Brands Reviewed


Research Hours

Best Pet Insurance Companies In Illinois

Best Overall Coverage

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

When it comes to finding the best pet insurance company in a region, several factors come into play, like affordability, customer service, and how quickly they process claims.

In Illinois, Lemonade Pet Insurance has proven themselves to be a standout performer in many of these categories. They offer cheap monthly rates, with coverage for cats starting at $17 and for dogs at $36.

What sets Lemonade apart in Illinois, apart from its affordability, is its top-notch customer service. Many pet owners in the state have given Lemonade high ratings for its exceptional service. The team genuinely cares about animals, and that care shines through in the excellent service they provide to policyholders.

Benefits & Drawbacks

  • 2-day waiting period for accidents
  • Leading claims processing department in the industry
  • Multiple available discounts
  • A portion of monthly premiums supports nonprofit organizations
  • Enrollment age restrictions apply to select pet breeds
  • Limited availability of policies to certain states
  • Insurance rates are influenced by pet owner credit and claim history

Best For New Pet Owners

Overall Rating

Key Statistics

8/10 Affordability
9/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

For individuals new to pet ownership, selecting a reputable pet insurance company like ASPCA is essential.

ASPCA does come with higher than average premiums, with cat insurance priced at $37 and dog insurance at $83 Nevertheless, the advantages justify the expenses. One noteworthy benefit is the absence of age restrictions, guaranteeing coverage for senior pets.

ASPCA also offers additional coverage for behavioral issues and alternative therapies, which can be particularly beneficial for some dog breeds.

Benefits & Drawbacks

  • Coverage includes alternative therapies, behavioral issues, and congenital conditions.
  • A short 14-day waiting period for cruciate injuries.
  • Access to a 24/7 telehealth vet line.
  • Standard policies cover vet clinic visit fees for illnesses and accidents.
  • Access to unlimited annual coverage is available only through an agent.
  • There are restricted choices for deductibles.

Best Affordable Coverage

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many pet owners want to protect their cherished pets but often think insurance is costly. However, Lemonade Pet Insurance proves that pet coverage can be budget-friendly. On average, cat owners pay approximately $17 and dog owners pay about $36

To make it even more affordable, Lemonade Pet Insurance offers various discounts, including bundle options that can cut costs by up to 15%. Moreover, their easy-to-use mobile app makes managing policies convenient.

Benefits & Drawbacks

  • 2-day waiting period for accidents
  • Efficient claims processing, quicker than many major competitors.
  • A wealth of available discounts.
  • The company directs a portion of the policyholder’s premium to nonprofits.
  • Age restrictions for coverage on particular pet breeds.
  • Coverage limitations based on your state of residence.
  • Pet owner credit and claim history influence insurance rates.

Best For Owners Of Young Pets

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

When you bring a young pet into your home, it’s an exciting moment, but it also means taking on new responsibilities. Alongside training, it’s crucial to find a pet insurance provider that makes coverage straightforward.

Lemonade Pet Insurance strikes a great balance between affordability and user-friendly services. They shine with their top-notch mobile app and a helpful customer service team. The average rates are quite reasonable, coming in at $17 for cats and $36 for dogs.

For those with young pets, Lemonade Pet Insurance is the clear top choice.

Benefits & Drawbacks

  • Policyholders enjoy a mere 2-day waiting period for pet injuries.
  • Claims are processed efficiently and swiftly.
  • There is an abundance of available discounts.
  • A portion of the policyholder’s premium is allocated to nonprofits by the company.
  • Specific pet breeds lose eligibility for coverage after reaching a certain age.
  • Coverage is not available in all 50 states.
  • Insurance rates are influenced by pet owner credit and claim history.

Best For Owners Of Multiple Pets

Overall Rating

Key Statistics

8/10 Affordability
9/10 Customer Reviews
7/10 Payouts
9/10 Coverage Level

Why We Like Them

Having multiple pets can raise expenses for things like food and toys, but it can work to your advantage with pet insurance. Companies like Pets Best provide discounts for policies that cover multiple animals.

In addition to this benefit, Pets Best offers affordable monthly premiums. The average rates for cat insurance hover around $29, while for dog insurance, it’s approximately $41.

Moreover, Pets Best offers several advantages to policyholders, including a 24/7 vet helpline for emergencies. They also provide coverage for animals with disabilities or those in need of special prosthetic devices.

Benefits & Drawbacks

  • Coverage extends to pets needing wheelchairs or prosthetic devices.
  • Veterinary assistance is accessible through the 24/7 vet healthline.
  • Accident coverage involves a 3-day waiting period.
  • Flexible coverage options are available for accident and illness policies.
  • Claims processing tends to be slower compared to other competitors.
  • Policy changes can only be made during the renewal period.

Best For Cat Owners

Overall Rating

Key Statistics

9/10 Affordability
10/10 Customer Reviews
8/10 Payouts
7/10 Coverage Level

Why We Like Them

For cat owners in Illinois looking for excellent policies, Embrace Pet Insurance is a strong choice. They offer budget-friendly cat insurance, averaging around $20.44 per month.

Beyond affordability, Embrace goes above and beyond by donating $2 for every policy sold to local charities.

Embrace Pet Insurance is also a preferred partner for several major car and home insurance providers, including USAA, Allstate, and GEICO.

Benefits & Drawbacks

  • Cost-effective policy options are accessible.
  • Most standard policies encompass coverage for treatable pre-existing conditions.
  • Pet owners with animals in need of orthopedic care can skip the waiting period through a veterinary examination.
  • Accident-only policies are only available for senior pets aged 14 and above.
  • Standard policies do not incorporate supplementary coverage.

How To Find The Best Pet Insurance Company For You

Obtaining pet insurance is similar to securing health or life insurance for yourself. It’s essential to compare rates, but before doing so, having a good grasp of what to seek in a pet insurance policy is crucial.

For instance, most companies offer two main types of plans: accident-only coverage and comprehensive plans that encompass accidents and illness. Both have their advantages, catering to different situations.

Accident-only coverage is often the better choice for younger pets less likely to develop age-related illnesses. Conversely, comprehensive plans are more suitable for breeds with a higher risk factor.

Another key consideration is the waiting period’s length. Each pet insurance company sets its waiting period for accidents and illnesses, so it’s important to determine what aligns best with your pet’s health needs.

Average Cost Of Pet Insurance In Illinois

Average Cost In Illinois — By Cat Breed

Cat Breed Average Monthly Cost
Domestic Shorthair $19
Sphynx $23
Siamese $26
Maine Coon $31

Average Cost In Illinois — By Dog Breed

Dog Breed Average Monthly Cost
Affenpinscher $22
Labradoodle $38
Greyhound $64
Newfoundland $85

Average Cost In Illinois — Accidental-Only Coverage

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $32
Pets Best $36
TrustedPals $41
Figo $45

Average Cost In Illinois — Comprehensive Coverage

Insurance Provider Average Monthly Cost for Comprehensive Coverage
ManyPets $36
Pets Best $41
Lemonade $49
Trusted Pals $53
Healthy Paws $60

Largest Pet Insurance Companies In The United States

Company Name Estimated Market Share Percentage
Trupanion 30%
Nationwide Mutual Insurance Company 19%
Embrace Pet Insurance 9%
Fetch by the Dodo 8%
Pets Best Insurance 2.4%
Hartville Group Inc. 1.4%
MetLife Pet Insurance 1.4%
Petsecure 1.3%
Healthy Paws Pet Insurance .73%
Pumpkin Pet Insurance .48%

Factors That Impact Cost Of Your Pet Insurance Policy In Illinois

Many pet owners may believe that the monthly premium for their pet’s coverage depends on just one or two factors. However, there are several elements that play a role in determining the cost of pet insurance. These pricing components include:

  • Animal Type
  • Breed
  • Age
  • Insurance Type
  • Location

Type Of Animal:

The kind of pet you have plays a significant role. Generally, dog owners pay 2-3 times more than cat owners because dogs often spend more time outdoors, increasing the risks.


The breed of your pet also affects the cost. While many dog breeds have similar costs, some are considered high-risk. For example, breeds like boxers and bulldogs have a history of sinus and skin issues, which can raise the monthly premium due to the higher chance of health problems.


The age of your pet is a crucial factor in determining insurance quotes. Some companies maintain reasonable prices regardless of age, while others may decline coverage for older pets. If you have a senior pet, it’s essential to compare prices across different insurers.

Type Of Insurance:

When choosing pet insurance, you’ll typically decide between accident-only coverage or accident and illness coverage. Both options provide protection, but comprehensive policies cost more. It’s important to evaluate whether the extra coverage is justified by the added monthly expense.


Where you live matters too. Pet insurance companies often consider regional pricing when you apply. While premiums don’t vary significantly from city to city, some state regions are perceived as higher risk due to the number of claims originating from those areas.

How To Buy Pet Insurance Online In Illinois

Getting pet insurance is a simple process, especially with a platform like Insuranceopedia. However, there are a few steps you can take before and during the application to make it even smoother.

Here are four essential steps for purchasing pet insurance:

• Step 1: Gather important information beforehand (such as your pet’s type, breed, age, medical history, and any documentation about their lineage).

• Step 2: Decide on the coverage amount and deductible you want for your pet.

• Step 3: Compare quotes from at least three pet insurance providers.

• Step 4: Purchase your policy and let your vet know about your new coverage.

Illinois Pet Insurance Laws To Know

While pet insurance is not obligatory for pet owners in Illinois, there are legal measures in place to protect animals and their owners. Recently, a House Bill was passed to address how a dog’s breed influences decisions about homeowners’ and renters’ insurance.

In the past, insurance companies could refuse coverage, cancel policies, or raise monthly premiums based on a pet’s breed. However, House Bill 2323 has made it illegal for insurance companies to discriminate based on a dog’s breed or appearance.

In The News

  • Starting on June 30, 2023, insurance companies are no longer allowed to make underwriting decisions solely based on a dog’s breed.
  • Governor Katie Hobbs has given her approval to Senate Bill 1053, allowing veterinarians to establish a veterinary-client relationship through telemedicine.

Information About Illinois

Illinois, too, holds a rich Native American heritage, with various reservations and cultural sites for people to delve into the traditions of the Native American communities.

The state boasts stunning natural landscapes, drawing tourists to places like Starved Rock State Park, Shawnee National Forest, and the Illinois River. Visitors have ample chances to explore and appreciate the beauty of nature.

Pet Insurance Discounts In Illinois

Similar to regular health insurance, the cost of pet insurance in Illinois can vary depending on your location. Discounts can be helpful in lowering the overall expense of a pet health insurance policy. While not all providers offer the same discounts, it’s worthwhile to explore the following options:

  • Employer-sponsored discounts
  • Multi-pet discount
  • Employee union discounts
  • Wholesale and special interest clubs discounts
  • Multi-policy discount
  • Active and retired military discounts
  • Senior discounts
  • Online policy discounts
  • Animal care employee discounts
  • Special service animal discounts


Do all vets take pet insurance in Illinois?

Every veterinary clinic in Illinois accepts pet health insurance. This insurance works by pet owners paying the medical bills upfront and then receiving reimbursement from the pet insurance company.

How much is pet insurance in Illinois?

Just like in many other states, cat owners in Illinois typically pay less for pet insurance compared to dog owners. On average, a cat insurance policy in Illinois has a monthly premium of around $27 while dog insurance usually comes in at approximately $48 per month.

Do I legally have to insure my pet in Illinois?

While it’s a good idea to have pet insurance for your furry friends, it’s important to know that it’s not mandatory to insure your dog or cat in Illinois.

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