Lemonade is the top pet insurance provider in Illinois for both cats and dogs. Pumpkin shares the top spot for cat coverage. If you want more options, Rainwalk offers solid plans for both pets. AKC is also a good choice for dog insurance.
Best Pet Insurance in Illinois
Updated: February 20, 2026
Advertising & Editorial Disclosure
Key Takeaways
Lemonade and Pumpkin are two of Illinois's strongest pet insurance options, with entry-level plans starting around $10 a month.
Dog owners get the cheapest pet insurance at about $64 monthly through Lemonade, while cat coverage through Pumpkin runs closer to $27.
Review each provider’s rates and coverage details to choose a plan that fits your budget and your pet’s care needs.
Best Pet Insurance Companies in Illinois
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $64 |
| Rainwalk | 4.45 | $72 |
| AKC | 4.30 | $80 |
| Pets Best | 4.05 | $77 |
| ASPCA | 3.80 | $73 |
| Spot | 3.80 | $84 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
Average Monthly Rate for Dogs
$64Average Monthly Rate for Cats
$31Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
AKC ranks highest for most dog breeds in Illinois. Rainwalk and Lemonade excel for specific breeds. Check which companies match your dog's breed below.
Data filtered by:
Affenpinscher
| Rainwalk | 4.4 | $50 |
| Pets Best | 4.35 | $34 |
| AKC | 4.3 | $69 |
| Lemonade | 4.25 | $39 |
| Spot | 4 | $59 |
Best Pet Insurance by Cat Breed
Rainwalk dominates the best pet insurance rankings for most cat breeds in Illinois, while AKC stands out as a strong alternative provider. Below, you can review which companies are best for your cat in the state.
Data filtered by:
Abyssinian
| Rainwalk | 4.5 | $38 |
| AKC | 4.5 | $51 |
| Lemonade | 4.35 | $31 |
| Pets Best | 4.3 | $41 |
| Spot | 4.2 | $39 |
Cheapest Pet Insurance in Illinois
In Illinois, Lemonade offers the cheapest dog insurance at $64 per month or $767 per year. For cats, Pumpkin provides the most affordable coverage at $27 per month or $320 per year.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $64 | $767 | -26% |
| Rainwalk | $72 | $869 | -16% |
| ASPCA | $73 | $871 | -16% |
| Pets Best | $77 | $933 | -9% |
| Pumpkin | $78 | $934 | -9% |
| AKC | $80 | $965 | -6% |
| Met Life | $83 | $992 | -4% |
| Spot | $84 | $1,003 | -3% |
| Hartville | $84 | $1,005 | -3% |
| Figo | $87 | $1,049 | 2% |
| Liberty Mutual | $91 | $1,095 | 6% |
| Embrace | $95 | $1,140 | 11% |
| Nationwide | $121 | $1,456 | 41% |
| Fetch | $130 | $1,564 | 52% |
Cheapest Illinois Pet Insurance by Dog Breed
In Illinois, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs across multiple breeds, with plans starting at $21 per month.
Data filtered by:
Affenpinscher
| Pets Best | $34 | $416 | -47% |
| Lemonade | $39 | $470 | -40% |
| Pumpkin | $46 | $555 | -29% |
| Rainwalk | $50 | $604 | -23% |
| ASPCA | $51 | $614 | -22% |
Cheapest Illinois Pet Insurance by Cat Breed
For Illinois cat owners, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable coverage across breeds. Monthly premiums start at $19 for standard plans.
Data filtered by:
Abyssinian
| Lemonade | $31 | $375 | -52% |
| Figo | $38 | $450 | -43% |
| Hartville | $39 | $461 | -41% |
| Rainwalk | $38 | $461 | -41% |
| Spot | $39 | $473 | -40% |
How Much Is Pet Insurance in Illinois?
Illinois pet insurance costs about $112 monthly for dogs and $56 for cats. Illinois pet owners pay 24% more than the national average for dog and cat policies.
Data filtered by:
$5,000
$500
80%
| Cat | $56 | $676 | 24% |
| Dog | $112 | $1,340 | 24% |
How to Get the Best Cheap Pet Insurance in Illinois
It can take some time to find an affordable provider and the right coverage in Illinois. These steps make the process easier and help you choose the best plan:
- 1Know Your Pet’s Coverage Needs
List your pet’s health risks and possible medical expenses over time. A quick conversation with your vet about breed- and age-related conditions helps narrow down coverage that makes sense.
- 2Check for Available Discounts
Look for savings through multi-pet plans or by paying annually instead of monthly. Some employers and membership groups also offer pet insurance discounts.
- 3Review Each Company’s Track Record
Read customer reviews and check how insurers handle claims. Focus on companies with solid financial ratings and consistent positive feedback from pet owners.
- 4Compare Multiple Quotes
Request quotes from at least three providers using the same coverage details. Compare deductibles, coverage limits and monthly costs to find the best value for your budget.
- 5Revisit Your Policy Each Year
Set a reminder to review your policy at renewal. Premiums often rise as pets age, so shopping around annually helps keep costs under control.
Best Pet Insurance in Illinois: Bottom Line
Lemonade is our best choice for pet insurance in Illinois. Pumpkin is a great option for cat coverage. Lemonade offers solid plans for both dogs and cats, while Pumpkin gives cat owners an affordable choice.
These two perform well in our analysis, but it’s still best to compare several providers to find the plan that fits your pet’s needs.
Pet Insurance in Illinois: FAQ
Here are answers to frequently asked questions about Illinois pet insurance:
What are the best pet insurance companies in Illinois?
Based on comprehensive analysis, the top pet insurance providers in Illinois include Lemonade, Pumpkin, Rainwalk and AKC. These companies offer strong coverage options for pet owners across the state.
Which company has the cheapest pet insurance in Illinois?
Lemonade and Pumpkin provide the most economical pet insurance options in Illinois. Monthly premiums start at $64 for dogs and $27 for cats.
How much is pet insurance in Illinois?
In Illinois, pet insurance costs $676 annually for cats and $1,340 for dogs. Annual premiums can range from $84 to $16,544, depending on coverage options and your pet's characteristics.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Illinois
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Illinois residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed March 23, 2026.