Lemonade is the best pet insurance company in Illinois for cats and dogs, sharing top honors for cats with Pumpkin. Pet owners looking for strong alternatives can consider Rainwalk, which performs well for both types of pets, along with AKC for dog coverage.
Best Pet Insurance in Illinois
Updated: September 11, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade and Pumpkin offer the best pet insurance in Illinois, with plans starting at $10 per month. These providers combine competitive pricing with excellent customer service.
For the cheapest pet insurance in Illinois, Lemonade provides dog coverage at $64 monthly, while Pumpkin offers cat insurance at $27 per month.
Compare multiple providers' coverage options and prices to find the right balance of protection and affordability for your pet's needs.
Best Pet Insurance Companies in Illinois
Data filtered by:Results filtered by:
Select
Dog or Cat:Dog
Select
Pet Age Group:Middle Aged
Select
Annual Limit:$5,000
Select
Reimbursement %:80%
Select
Deductible:$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 Options
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
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Illinois, while Rainwalk and Lemonade are top picks for select breeds. Below, you can review which companies are best for your dog in the state.
Data filtered by:Results filtered by:
Select
Breed: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:Results filtered by:
Select
Breed: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:Results filtered by:
Select
Dog or Cat:Dog
Select
Pet Age Group:Middle Aged
Select
Annual Limit:$5,000
Select
Reimbursement %:80%
Select
Deductible:$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:Results filtered by:
Select
Breed: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:Results filtered by:
Select
Breed: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:Results filtered by:
Select
Annual Limit:$5,000
Select
Deductible:$500
Select
Reimbursement %:80%
| Cat | $56 | $676 | 24% |
| Dog | $112 | $1,340 | 24% |
How to Get the Best Cheap Pet Insurance in Illinois
Finding the best cheap provider and coverage plan in Illinois can be difficult. Here's how to find the best pet insurance for your needs:
- 1
Evaluate Your Pet's Coverage Needs First
Start by listing your pet's specific health risks and potential future medical needs. Talk with your veterinarian about which coverage types make the most sense based on your pet's breed and age
- 2
Look for Available Insurance Discounts
Many insurers offer savings through a multi-pet plan or annual payment options. Check if you qualify for additional discounts through your employer or membership organizations
- 3
Check Insurance Company Track Records
Read customer reviews and check each company's claim payment history. Focus on insurers with strong financial ratings and positive feedback about their customer service
- 4
Get Multiple Insurance Quotes
Request quotes from at least three pet insurance companies for the same coverage levels. Make sure to compare deductibles, coverage limits and monthly premiums
- 5
Review Your Policy Annually
Set a yearly reminder to check for better rates and coverage options. Insurance costs often change as pets age, so shopping around can lead to significant savings
Best Pet Insurance in Illinois: Bottom Line
Lemonade is our top pick for pet insurance in Illinois, with Pumpkin also standing out for cat coverage. Lemonade offers strong policies for dogs and cats, while Pumpkin provides affordable options for cat owners. While these insurers stand out in our analysis, compare different providers since the best choice depends on 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Trustpilot. "Lemonade Reviews." Accessed October 1, 2025.