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.

Traffic

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.

Mosquitoes

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 & 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.

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

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.

Fluffy ginger or orange cat gazing out a window, probably wondering if it's owner put enough safety measures like pet insurance to ensure its safety and well-being through every season. Or, it might just be judging the neighbor's dog upfront.

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.