Insuring Your Pet in Illinois

Get pet insurance personalized to your budget with coverage at every neighborhood vet from Chicago to Peoria, Naperville to Springfield, and everywhere else throughout the Prairie State and beyond.

Why We Recommend Pet Insurance if You Live in Illinois

We don’t have to tell you that Chicago and surrounding areas can be a pricey place to live – and the vet bills certainly follow suit. Pet insurance ensures that you can afford to give your best friend the best care no matter the cost.

Here are some of the more common fears we hear from our Illinoisan pet parents:

illustration of a dog limping


The Illinois landscape varies greatly from rural farmland, to bustling suburbs and busy metropolitan areas. No matter where you are in the state, pets and traffic can make for dangerous situations. If ever faced with one, pet insurance allows you to think about getting the quickest and best care for your pet instead of if you’ll even be able to afford it or not.

illustration of a mosquito


These pesky flying insects are host to parasites and diseases that can be spread to your pet pal. Many of our Illinois pet parents (quite a few who live near the water, in fact,) take advantage of our Wellness Rewards to help with the costs of preventative medications.

Unexpected Accidents

Unexpected Accidents & Injuries

Unexpected accidents lurk just around the corner – from slipping on ice, ingesting something toxic, or swallowing a toy. You certainly can’t plan for the unexpected, but you can always be prepared with pet insurance.

We Love Happy Endings. Here are Some from our Illinois Pet Parents.

Bodhi the Lab from Chicago

Vet Bills: $1,190

Embrace Reimbursed: $937.60

Puppies sure are curious. And they often explore the world through their mouths. Bodhi ate an electrical cord, and a month later, ate a toy! Both times required a trip to the ER, and both happened before his first birthday.

Sunee from Grayslake, Illinois

Vet Bills: $2,119

Embrace Reimbursed: $1,295.50

"Having Embrace Pet Insurance was not only helpful in this situation, but it's good to know that someone out there is helping to look out for my dogs - with four of them running around, incidents are going to happen, and it's comforting to know that they're covered."

Sorin the Scotty Hit by a Car in Chicago
Sorin- Scottish Terrier

Vet Bills: $5,504

Embrace Reimbursed: $3,979.81

"This was a very expensive ordeal, so we feel fortunate that we had the foresight to purchase insurance for him. Without it we'd be in a huge financial hole as his accident ended up costing about $5,500. Thanks to Embrace for helping us through that difficult time!"

How Much Does Pet Insurance Cost in Illinois?

Personalize a policy for your best bud (and budget) by picking your deductible, your annual maximum, and your reimbursement percentage. The cost of a pet insurance policy varies by breed, Zip Code, and a few additional factors. 

Below are a few estimates to give you a better idea of what pet insurance might cost in Illinois.

Species Breed Age Premium
Dog Mixed Breed 1 $30-$40 per month
Dog Golden Retriever 3 $35-$45 per month
Dog Labrador Retriever 5 $45-$55 per month
Cat Domestic Shorthair 3 $20-$25 per month

Estimates based on quotes by Embrace Pet Insurance

What All is Covered by Pet Insurance in Illinois?

Embrace’s comprehensive pet insurance covers accidents, injuries, illnesses, and a whole lot of ruff stuff. (We even cover exam fees!) Details of our coverage can be found here.

  • Illnesses

  • Chronic Conditions

  • Dental Accidents and Illnesses

  • Consultations & Tests

  • Accidents & Injuries

  • Procedures & Treatments

  • Follow-Up Care

  • & So Much More

What’s not covered with cat and dog insurance?

While no pet insurance covers pre-existing conditions – Embrace included – we do distinguish between curable and incurable pre-existing conditions and cover curable conditions after your pet is symptom and treatment-free for 12 months when we consider pre-existing condition pet insurance.

We also do not cover cosmetic procedures (declawing, ear cropping, tail docking, etc.), breeding and whelping, DNA testing, or cloning.

For routine and preventative care, we offer a flexible Wellness Rewards plan, which is the perfect complement to your full pet insurance policy.

Learn more about our dog insurance and cat insurance plans today.

How Does Pet Insurance Work in Illinois?

With Embrace, pet insurance is simple: Visit any vet, submit a claim, and we get to work reimbursing you.  

We make the claims process so easy your pet could practically do it. Get an itemized invoice and the diagnosis from your vet and take a picture to submit. That's all you need when you submit your claim via your MyEmbrace customer account – because who has time to print and fax or snail mail? Voila. You’re done!  

We even offer direct deposit so you can get reimbursed quicker.