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6 Best Illinois Pet Insurance for Dogs & Cats (2022 Reviews)

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If you are here reading about pet insurance, then you probably love your dog or cat as much as any other member of your family. You understand that while your pet may be healthy and strong today, emergencies can strike at any time, and your little buddy will need urgent care. Such times tend to be emotionally draining and expensive.

However, pet insurance alleviates much of the financial stress so you can be the best parent to your pet. Below we share the best pet insurance companies for Illinois residents to help you determine the best option for your cat or dog.

Spaniel enjoying chicago skyline
Spaniel enjoying the Chicago Skyline!

6 Top Illinois Pet Insurance for Dogs & Cats

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade tops the rankings for best overall because of their extensive accident and illness coverage, wellness package add-ons and affordable rates. They also boast one of the shortest accident waiting periods of only 2 days, compared with other companies that require 14-30 days. Lemonade has made the claims process simple and fast via their impressive mobile app. Pet parents can snag an extra discount by bundling their policy with renters or homeowners insurance if that weren’t enough.

    Keep in mind: For those whose pets are older or have pre-existing conditions, you may be required to submit veterinary documentation before your policy can be made active.

    Good for: Almost all cats and dogs, especially the young and healthy.

    Average price for DOGS in Illinois: $34.25/month

    Average price for CATS in Illinois: $14.67/month

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: With a dynamic selection of wellness package add-ons and their speed reimbursement process via direct deposit, Venmo or PayPal, it is easy to see why Illinois pet parents will appreciate Wagmo’s dedication to animal health. Another perk of Wagmo’s coverage is that once your annual deductible has been met, they will reimburse up to 100% of any further veterinary fees for the remainder of the year. The company gives extra discounts to those who insure multiple pets as well as those who renew their policies without any reimbursed claims in the previous year. Also, pet owners can take their dogs or cats to the veterinarian of their choice.

    Keep in mind: Wagmo’s maximum lifetime benefits cap out at $100,000. Once you reach this threshold, your pet will no longer be eligible for coverage.

    Good for: Pet parents who prefer a combination of wellness and emergency care coverage.

    Average price for DOGS in Illinois: $47.00/month

    Average price for CATS in Illinois: $28.49/month

  • 3. Figo

    (Best for cats)

    Why it’s great: While Figo has some of the best cat insurance premiums around, they are also known for giving their customers live 24/7 veterinary support through their mobile app. What’s more, they offer several dynamic wellness packages you can add to your policy, including one that will cover up to $250 of prescription food should your vet prescribe it. They also have maximum lifetime payouts, which means your pet can retain coverage regardless of how expensive their care may become over the years.

    Keep in mind: Figo does not extend coverage to pre-existing conditions.

    Good for: Cat owners as well as pet owners who prefer 24/7 veterinary support.

    Average price for DOGS in Illinois: $46.36/month

    Average price for CATS in Illinois: $23.39/month

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp protects up to 6 pets of any age, breed and health condition in your household under an emergency fund for a monthly flat fee of $24. Their customers also receive access to unlimited 24/7 telehealth services and consultations with pet experts. Pawp’s other benefits include no copays, credit checks or deductibles, and pet parents leave the veterinary clinic with their bills paid in full, thus eliminating the stress of waiting for reimbursement.

    Keep in mind: Pawp only covers qualified emergencies as determined by their virtual veterinary team. Also, their emergency fund plan covers only one of your pets for a single vet bill up to $3,000 annually.

    Good for: Senior pets or those with pre-existing conditions. It makes an excellent supplement to a conventional pet insurance policy.

    Price: $24/ month

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace may offer multiple pet discounts and unlimited lifetime benefits like other companies on our list, but one perk that is unique to them is “diminishing deductibles.” Therefore, your deductible automatically drops by $50 each year you do not have a claim reimbursed. Pet parents who want coverage for spaying or neutering should look into their optional routine care plan. Embrace also stands out for their wellness plan, which reimburses pet parents for alternative veterinary treatments, including reiki, chiropractic, massage therapy and acupuncture.

    Keep in mind: Only pets up to 14 years are eligible for coverage. The maximum combined claims limit for the wellness package is $650 per year, equalling about $25 in annual savings. No unused wellness package funds will be reimbursed at the end of the year.

    Good for: Pet parents who want to explore new age and alternative veterinary care.

    Average price for DOGS in Illinois: $56.75/month

    Average price for CATS in Illinois: $33.14/month

  • 6. Eusoh

    (Best pet healthshare community)

    Why it’s great: Eusoh is not a pet insurance company. Instead, it offers community pet health plans that can save their members up to 50% compared with conventional health insurance coverage. These health sharing plans reimburse pet parents for accident, illness and wellness-related expenses. They also partner with Televet to offer their members televet services, and they give pet owners the freedom to take their cats and dogs to the veterinarians of their choice.

    Keep in mind: Eusoh is not a pet insurance company but rather an expense-sharing community. Their annual maximum reimbursement amount is $8,500, and their highest reimbursement rate is 80%.

    Good for: Pet parents that prefer healthshare communities.

    Average price for DOGS in Illinois: $62.58/month

    Average price for CATS in Illinois: $40.94/month

Best Overall

Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in Illinois and they also offer the best value.

Average price for DOGS in Illinois: $34.25/month

Average price for CATS in Illinois: $14.67/month

FAQs about Pet Insurance in Illinois

  • 1. What does pet insurance typically cover for cats and dogs?

    Coverage is not uniform across all providers, but as a general rule, you can expect care for all accidents and ailments considered sudden and catastrophic to be covered. Such coverage will typically include exams, tests, other diagnostic methods, emergency care, surgery, and medications.

  • 2. How much does pet insurance cost in Illinois?

    Pet insurance in Illinois costs anywhere from $21.17 to $63.89 per month for dogs (based on prices for a healthy 2-year-old located in the 60614 zip code). And anywhere from $19.79 to $24.68 per month for cats (based on prices for a healthy 2-year-old located in the 60614 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my dog or cat insurance plan after I make a claim?

    Most companies allow you to cancel your policy at any time as long as you do so in writing. Be sure to reach out to your pet insurance provider to verify their requirements for canceling. It is worth mentioning that any conditions diagnosed prior to cancellation may be listed as a pre-existing condition should you decide to reinsure your cat or dog in the future.

  • 4. Do Illinois pet insurance companies cover spaying and neutering?

    Pet insurance companies in Illinois usually do not cover spaying or neutering. That said, some insurance companies, such as Embrace, have wellness add-ons that will pay for these procedures.

  • 5. Does the cost of insurance increase as my pet ages?

    Monthly premiums will increase as your pet ages, mainly once they reach 4 or 5 years old. Insurance providers do this to help offset the increased risk of your pet getting ill or developing ailments more frequently as they get older.

  • 6. Which companies cover pre-existing conditions?

    Pawp is the best for covering veterinary emergencies related to pre-existing conditions. At the same time, Embrace also has some policy terms that will cover costs associated with pre-existing conditions that are deemed curable.

  • 7. Is pet insurance worth it in Illinois?

    Pet insurance is advantageous for Illinois residents since most cats and dogs experience emergencies, and urgent veterinary care is costly. For example, treating life-threatening diseases like cancer can exceed $10,000. Pet insurance helps eliminate the financial stress of such instances, so you can get your dog or cat the best care possible.


We hope this article helps you find the best pet insurance for your cat or dog. We encourage you to take some time to explore these companies further before applying for a policy. Purchasing the right pet insurance will help protect your beloved pal in emergencies and support their wellbeing so that you can share long, happy and healthy lives with them. We found Lemonade to have the best mix of price and coverage.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 60614 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $8,500
  • Lemonade = $20,000