Best Pet Insurance In Illinois: Companies Reviewed In Chicago And More

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Cavalier King Charles Spaniel held by human in downtown Chicago on river (Caption: Best Pet Insurance In Illinois)

Our dogs are vulnerable to accidents and illnesses whether they live in Chicago, Springfield, or another Illinois city or town. This is why it’s essential to buy a pet insurance policy.

Pet insurance allows you to direct your focus to your pet’s health instead of the ever-increasing cost of vet care. Find out which company offers the best pet insurance in Illinois for you.

Pet Insurance Ranking Best
Best For Young Pets Best No-Cap Payouts Best
Company pets best pet insurance logo 250 png healthy paws pet insurance logo 250 png embrace pet insurance logo 250 png figo pet insurance logo 250 png lemonade pet insurance logo 250 png
Policy Price (avg) Variable Variable Variable Higher Lower Average
Policy Coverage Extensive Extensive Limited Extensive Extensive Limited
Customer Service & Reputation Good Good Excellent, Stable Excellent, Stable Excellent, Stable Uncertain, New
Claim Processing (avg) 7-14 Days 5-6 Days 2 Days 5 Days 3 Days 2 Days
Vet Direct Pay Option
Plan Customization Options Many Many Restricted Many Many Many
  Get A Quote Get A Quote Get A Quote Get A Quote Get A Quote Get A Quote
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Black Lab Retriever looking up

One of the most significant factors influencing the cost of a pet insurance policy is your dog’s breed. Below is a list of the most popular dog breeds in Illinois.

  1. Labrador Retriever
  2. German Shepherd
  3. Golden Retriever


These are the most popular dog breeds (or mixes) in Chicago.

  1. Cockapoo
  2. American Pit Bull Terrier
  3. Pembroke Welsh Corgi
  4. English Bulldog
  5. French Bulldog

How Much Does Pet Insurance Cost In Illinois?

Pet insurance pricing is based on your pet’s specific details (e.g., age, breed, location, etc.). According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. in 2022 was $53.34 ($32.25 for cats).

Since prices vary based on where you live and your pet’s characteristics, the best way to determine how much it would cost you is to complete our quick pet insurance quote form and get estimates from top providers. This allows you to see how companies compare price-wise. With most companies, you can also adjust your monthly premium by lowering the deductible, reimbursement percentage, and annual payout to make it better fit your budget. But be aware that reducing these costs now means you will pay more when you actually need the policy to cover an unexpected vet bill.

Once you have your customized price quotes, you may wonder how coverage varies among the different companies. Our pet insurance comparison includes multiple comparison charts to help you see key differences between coverage, waiting periods, age restrictions, and more.

Which Cities In Illinois Are Pet-Friendly?

Chicago, IL, is among the most pet-friendly cities in Illinois based on the 100 largest U.S. cities. Below are some stats about Chicago’s pet-friendliness.

  • 64th most pet-friendly city
  • 90th pet budget*
  • 13th pet health & wellness**
  • 46th outdoor pet-friendliness***

*Pet budget was determined by considering vet care costs, minimum pet-care provider rate per visit, and dog insurance premiums.
**Pet health and wellness was determined by considering veterinarians per capita, pet caretakers per capita, animal trainers per capita, pet businesses per capita, dog-friendly restaurants per capita, dog-friendly shops per capita, pet meetup groups per capita, doggie daycare and boarding establishments per capita, pet-friendliness of rental markets, average home square footage, share of single-family detached homes, share of homes with one or fewer occupants per room, animal shelters per capita, and strength of animal protection laws.
***Outdoor pet-friendliness was determined by considering weather, dog parks per capita, parkland as a share of the city area, walk score, dog-friendly trails per capita, and dog shows per capita. 

Illinois Pet-Friendliness Statistics

Based on 100 of the largest U.S. cities, Chicago is third for having the most animal shelters per capita. Generally speaking, Illinois is the 29th most dog-friendly U.S. state to live in, with 49% of its residents owning pets. The state also ranks high for the number of pets with Twitter accounts (247).

Pet Insurance Claim: Cost & Reimbursement From Illinois Customer

Pug standing in shallow water

Below is a real-life pet insurance claim from a Healthy Paws customer in Illinois.

  • Location: Barrington, IL
  • Condition: Patellar Luxation
  • Total Vet Cost: $3,300
  • Reimbursement: $2,880
  • Amount Customer Paid: $420

Should I Get Pet Insurance?

The status of your pet’s health can change in seconds. You’re at the beach one minute, and the next, he won’t stop scratching from discomfort. Pet insurance is there for you when an emergency strikes and helps you focus on treatment for your dog instead of the unknown costs associated with a vet visit and treatment. Learn more about why pet insurance is worth it.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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