One thing that Illinois residents have in common with the rest of the country is their love for pets. A pet insurance policy can help you rest easy knowing that your vet bills are covered if your furry companion gets sick or injured.

We at the This Old House Reviews Team have researched the best pet health insurance providers across the United States, comparing key factors such as plans, pricing, and customization options. We’ve narrowed down our list to the top providers in Illinois, whether you live in Chicago or Peoria.

Illinois’ Top 7 Pet Insurance Providers

These are the best pet insurance companies in Illinois based on our research.




Lemonade tops our list with a 96 out of 100 score. It’s a practical choice for pet owners seeking the best overall coverage at an affordable rate. It has many customization options and up to $100,000 per year in coverage. Lemonade also has additional coverage for things such as exam fees, routine care and wellness, and physical therapy. It uses a fully digital claims process on its mobile app, allowing for speedy reimbursement (30% of customers are reimbursed instantly). 

Pros and Cons Lemonade Pet Insurance

✔ Competitively priced plans
✔ Discount for bundling pet insurance with a Lemonade home insurance policy
✔ Two-day waiting period for accidents

✘ Customer support can be hard to get in contact with
✘ Exclusions include behavioral issues

Lemonade Plans and Coverage

Lemonade’s base plan covers accidents and illnesses. It has add-ons for extended accident-and-illness coverage, plus preventive care for the following issues:

  • Behavioral issues
  • Dental illness
  • Flea and tick medication
  • Physical therapy
  • Spaying/neutering
  • Testing and vaccinations
  • Vet visits

Lemonade doesn’t cover preexisting conditions or spay/neuter surgery for animals over 2 years old.

Get a quote: Compare rates with Lemonade 

Learn more: Lemonade Pet Insurance review




Scoring 91 out of 100, Spot is one of the most customizable pet insurance policies on our list. The company offers a range of annual limits, reimbursement percentages, and deductibles. You can choose from two plans: accident-only or accident-and-illness. The accident-only policy covers things such as broken bones, bite wounds, and foreign ingestions. The accident-and-illness policy covers accidents plus illnesses such as cancer, congenital conditions, and hip dysplasia. You can purchase additional coverage for routine care and wellness. 

Pros and Cons Spot Pet Insurance

✔ Annual limits from $2,500 to unlimited
✔ Microchip implantation covered regardless of policy
✔ No medical records required for enrollment

✘ Customer service is only available on weekdays
✘ Limited experience in the industry compared to other companies

Spot Plans and Coverage

Spot offers two coverage options: accident-only and accident-and-illness. It also has a range of add-on services including the following coverage:

  • Behavioral issues
  • Dental disease
  • Hereditary conditions
  • Testing
  • Urinalysis
  • Wellness exams

Breeding-related costs, cosmetic procedures, and preexisting conditions are all excluded. Spot has various waiting periods depending on your pet’s needed care.

Get a quote: Compare rates with Spot 

Learn more: Spot Pet Insurance review




Scoring 89.5 out of 100, Trupanion is a top option for direct vet payments. Most providers make you pay your vet bill in full, file a claim, and wait for reimbursement, but Trupanion will pay its portion directly at checkout. The company also has a flexible deductible policy with options from $0 to $1,000, changeable after one month of service. It offers unlimited coverage to all policyholders with a 90% reimbursement rate. 

Pros and Cons Trupanion Pet Insurance

✔ Allows you to file claims instantly through your vet
✔ Doesn’t increase your monthly payment due to pet age
✔ Offers unlimited annual payouts at 90%

✘ Doesn’t have routine care or preventive care coverage options
✘ More expensive than other competitors

Trupanion Plans and Coverage

Trupanion offers one accident-and-illness plan with no annual cap and various deductibles. The lower your deductible, the higher your monthly cost. Covered services include the following:

  • Accidents
  • Allergies
  • Breed-specific conditions
  • Cancer
  • Disease
  • Hip dysplasia
  • Surgeries
  • Veterinary supplements

Trupanion offers an add-on covering alternative therapies and behavioral modification. It doesn’t have add-on options for preventive or routine care.

Get a quote: Compare rates with Trupanion

Learn more: Trupanion Pet Insurance review



Fetch by The Dodo

We scored Fetch by The Dodo 91.5 out of 100. It’s a practical choice for pet owners looking for holistic care coverage not typically included by other providers. It also offers a 10% discount for pets adopted from shelters plus telehealth benefits, making it easy to access care for your furry friend no matter where you are.

Pros and Cons Fetch Pet Insurance

✔ Healthy pet discount for customers who haven’t filed a claim after one year
✔ Claims and policy changes can be made via mobile app
✔ Standard policy covers exam fees and sick visits

✘  All conditions are subject to a 15-day waiting period
✘ Annual checkups and dental exams are required for policy eligibility

Fetch Plans and Coverage

Fetch offers one customizable accident-and-illness policy. This plan is fairly extensive and includes some of the following issues:

  • Accidents
  • Broken bones
  • Behavioral disorders
  • Chronic conditions
  • Digestive illness
  • Hereditary conditions

Fetch doesn’t offer routine or preventive care add-ons. However, it provides some unique additional coverage including advertising and reward money for lost or stolen pets, boarding fees, and vacation cancellation due to pet health issues.

Get a quote: Compare rates with Fetch

Learn more: Fetch Pet Insurance review




Embrace makes our list with a 93.5 out of 100. We recommend it to pet parents looking for flexible deductibles, as Embrace has five options to customize your plan. It also offers a Healthy Pet Deductible that lowers your annual insurance cost for each year you don’t file a claim. 

Pros and Cons Embrace Pet Insurance

✔ Exam fees are covered under the standard policy
✔ Online chat feature makes it easy to contact customer service
✔ Policy changes can be made online

✘ Annual coverage limit doesn’t exceed $30,000
✘ Customer service is limited to certain hours

Embrace Plans and Coverage

Embrace offers a single accident-and-illness plan, plus an add-on Wellness Rewards program. This program helps offset routine and preventive care costs for your pet, such as vet exams. These are some of the issues Embrace’s policy covers:

  • Bite wounds
  • Cancer and related treatments
  • Chronic conditions
  • Dental issues
  • Imaging such as ultrasounds and X-rays
  • Prescribed alternative treatments

Embrace doesn’t cover cosmetic or elective procedures or preexisting conditions.

Get a quote: Compare rates with Embrace

Learn more: Embrace Pet Insurance review



Healthy Paws

We scored Healthy Paws 93.5 out of 100. We recommend it for pet owners looking for the best annual limit. It offers unlimited coverage for a lower premium than other providers on our list.

Pros and Cons Healthy Paws Pet Insurance

✔ Generally pays claims within two days
✔ Makes donations toward ending pet homelessness with each requested quote
✔ Offers additional resources for pet health and training on its mobile app

✘ Certain breeds are subject to higher premiums
✘ Plans have fewer customization options than other providers

Healthy Paws Plans and Coverage

Healthy Paws offers one accident-and-illness plan covering the following items:

  • Blood tests
  • Diagnostics
  • Emergency care
  • Hospitalization
  • Imaging
  • Prescription medication
  • Surgery

Healthy Paws doesn’t offer a wellness plan add-on. It also excludes exam fees, preventive or routine care, and spaying and neutering.

Get a quote: Compare rates with Healthy Paws

Learn more: Healthy Paws Pet Insurance review




We scored Figo 93 out of 100. It stands out for its extra coverage offerings, including add-ons for third-party damage caused by your pet, reimbursement for vacation interruptions due to accident or illness, and reward money for lost or stolen pets.

Pros and Cons Figo Pet Insurance

✔ Claims are 100% reimbursed (versus the typical 90%)
✔ Deductible options start at $100
✔ Range of customizable plans

✘ Behavioral treatments aren’t covered
✘ Waiting periods vary by location

Figo Plans and Coverage

Figo offers three accident-and-illness plans: Essential, Preferred, and Unlimited. The Essential plan has a $5,000 annual limit, while the Preferred plan has a $10,000 annual limit. The unlimited plan has no limit. Here are some examples of what’s covered under these policies:

  • Broken bones
  • Cancer
  • Chronic conditions
  • General illness
  • Hip dysplasia

Figo offers additional coverage for things such as property damage, vacation cancellation, and emergency boarding. The company has two tiers of preventive care coverage.

Get a quote: Compare Figo rates

Learn more: Figo Pet Insurance review



Best Alternative to Pet Insurance in Illinois


Pawp is a digital clinic that provides a pet insurance alternative. It scores 90 out of 100 on our rating scale. In addition to the digital clinic, Pawp users have access to an emergency fund. This offers peace of mind to pet owners who need minimal coverage but want to make sure their pet(s) will get care if an accident happens.

Pros and Cons Pawp Pet Insurance

✔ Flat rate of $24 per month regardless of your pet’s age or breed
✔ Monthly membership covers up to six pets
✔ Virtual 24/7 access to vets for advice, consultations, and questions

✘ Only one emergency vet visit covered per year
✘ Pawp must approve your emergency before you’re able to access the emergency fund

Pawp Plans and Coverage

Rather than an insurance plan, Pawp offers a monthly membership. This membership only covers life-threatening emergencies such as the following:

  • Choking
  • Life-threatening blockages
  • Serious injuries
  • Toxic ingestions

Your pet’s injury must require treatment within four hours to receive coverage. No wellness or routine care is covered. Scheduled procedures and pregnancy- and breeding-related issues are also excluded.

Sign-up for a membership: Sign up for a Pawp membership on the company’s website

Learn more: Pawp Pet Insurance review



Compare the Top Providers of Pet Insurance in Illinois

Use the table below to quickly compare the base monthly costs of the providers on our list.

ProviderMonthly Pricing*Wellness Add-on
Healthy Paws$48.14

*Based on sample quotes for a medium-sized, mixed-breed, 4-year-old-dog in Chicago, Illinois.



How Much Is Pet Insurance in Illinois?

Pet insurance pricing in Illinois varies by your pet’s needs. The average monthly premium for a standard accident-and-illness plan is $35–$80 for dogs and $17–$30 for cats. 

The following factors could affect your monthly cost:

  • Age: Older pets are more likely to have health issues, which means their health insurance generally costs more. We recommend insuring your pet early to get a lower premium.
  • Breed: Certain breeds are more prone to health issues. Your monthly premium may be higher if your dog or cat has breed-specific hereditary or chronic conditions.
  • Location: Plan and premium prices are determined based on average vet costs in your area. Vet costs may be higher if you live in a large city, resulting in a higher premium.

Learn more: Best Cheap Pet Insurance Providers



Our Conclusion

Our overall pick for a pet insurance policy in Illinois is Lemonade. It offers comprehensive coverage at an affordable rate, plus customizable plans and fast claims processing. We recommend getting at least three quotes from different providers before enrolling your pet in a policy.

FAQs About Pet Insurance in Illinois



Our Rating Methodology

The This Old House Reviews Team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews Team at