Pet Insurance in Illinois

Illinois pet insurance laws

Illinois has no law devoted solely to pet insurance. General property and casualty law covers pet policies, which the NAIC pet insurance report lists as inland marine coverage. Inland marine coverage is a property insurance category for movable goods and domestic animals.

Lawmakers brought HB 3595 in the 104th General Assembly forward to create a Pet Insurance Article. A Senate amendment substituted all text following the enacting clause, which removed the pet insurance provisions. Public Act 104-0480 enacted the bill, but its subject was early care and education. The NAIC model law tracker lists no current activity for the state.

We suggest you read the contract terms carefully before you buy (or renew) a policy. Because no dedicated state statute applies, your policy sets your waiting periods, your free-look period, and your pre-existing condition rules. The free-look period gives you a short window after purchase to cancel a new policy and receive a full refund. Signs of an illness or injury that your pet showed before coverage began make it a pre-existing condition. The regulator's pet insurance consumer resource offers general shopping advice.

Illinois pet insurance companies

A few national insurers publish availability in all 50 states, and specific features can change from place to place:

• Plans from Nationwide are offered in every state and DC.
• Plans from Trupanion are offered throughout the country, including Washington, D.C., and Puerto Rico; however, not everyone may have access to its products and discounts in every state.
• Some features of AKC Pet Insurance aren't offered in every state, though the company operates nationwide.
• Plans from Spot, Embrace, and Fetch are also offered nationwide.

For dogs, NAPHIA cost data reports a U.S. average accident and illness premium of $836 yearly, or $70 monthly. The U.S. average for a cat accident and illness plan is $435 a year, which is $36 a month. Those numbers are national figures, not Illinois figures. In NAPHIA member data, the state's share of U.S. gross written premium is 3.2%. The quote you get varies with the species, age, and breed of your pet plus your ZIP code.

Pets insured in Illinois: how many are there?

In Illinois, pet owners hold 2.9% of all insured pet policies nationwide. In NAPHIA state highlights, that share makes the state rank 10 among U.S. states. Across North America, NAPHIA adoption data shows 7.6 million pets with coverage, and 4.27% of all pets insured nationwide.

How do you file a complaint about pet insurance in Illinois?

If you dispute a claim or a policy, you can submit a complaint on the Illinois Department of Insurance complaint portal. Consumer disputes are handled by the Illinois Department of Insurance, which also supervises property and casualty insurers in Illinois.