Best Pet Insurance in Illinois

Lemonade tops our list with a 96 out of 100 score. It’s a practical choice for pet owners seeking affordable pet insurance with the best overall coverage. 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).

Learn more: Lemonade Pet Insurance review

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.

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.

Learn more: Spot Pet Insurance review

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.

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.

Learn more: Trupanion Pet Insurance review

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.

We scored Fetch Pet Insurance 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.

Learn more: Fetch Pet Insurance Review

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.

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.

Learn more: Embrace Pet Insurance review

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.

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.

Learn more: Healthy Paws Pet Insurance review

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.

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.

Learn more: Figo Pet Insurance review

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.