Pet Insurance in Illinois: Compare the Best Pet Insurance Companies and Most Affordable Quotes

COMPANY HIGHLIGHTS

Based on MoneyGeek’s study, the best pet insurance in Illinois is Pets Best, as it comes with policies that can be customized according to your budget and pet’s needs. The average cost to insure a pet in Illinois through Pets Best is $28.03 per month.

Most plans from Best Pets cover accidents, illnesses, hereditary conditions, cancer, emergency care, surgeries, and prescription medications. Lab tests, MRI, CAT and X-Ray procedures are also covered. However, if you want exam fees or preventive care covered, you may need to upgrade to either the Plus or Elite plan.

As with all insurance companies, pre-existing conditions are not covered. Similarly, herbal, holistic, and experimental therapies and medications are not covered. However, because chiropractic care, acupuncture, and physical therapy are not considered holistic or experimental therapies, they are covered.

You can select either a $5000 or an unlimited annual coverage limit for your Best Pets insurance plan, and deductible options range from $50 to $1000. Reimbursement percentages go from 70% to 90%. Once you’ve chosen your primary plan, you can exclude those coverages you don’t need and select add-ons you think will be useful.

COMPANY HIGHLIGHTS

Pets Best provides the best pet insurance in Illinois for unlimited coverage. With unlimited coverage, you can submit as many claims as you need in one policy year without having to think about any caps or paying for expensive vet bills out-of-pocket. On average, a pet insurance policy from Pets Best with unlimited coverage costs $35.54 per month.

You can opt for unlimited coverage regardless if you select any of the insurer’s accident and illness plans. Having unlimited coverage may cost you higher premiums, but it provides you with the most financial protection, allowing you to take advantage of treatments for your pet you might not otherwise be able to afford. You’re covered if your pet requires diagnostics like bloodwork, MRIs and X-rays, prosthetic devices and wheelchairs, or needs to be treated for periodontal disease.

Pets Best does not cover food for special diets or vitamins and supplements. These are considered non-veterinary expenses, much like grooming and other services not performed under the supervision of a licensed veterinarian.

COMPANY HIGHLIGHTS

The most affordable pet insurance company in Illinois is Petplan. Petplan’s $5,000 annual coverage policy costs on average $21.43 per month. You can choose to increase your coverage limit to $15,000 or unlimited. The annual deductibles options are $250, $300 and $500, while reimbursement levels are between 70%, 80% and 90%.

Petplan provides a comprehensive list of benefits that you would otherwise get as an add-on from other providers. This includes accidental injuries and illnesses, dental, some vet exam fees, behavioral therapies, alternative therapies, imaging procedures and others. Chronic and hereditary conditions are covered as well.

Some of the coverages not included in a Petplan policy are routine and wellness care or cosmetic and elective procedures. There is also no option to add these benefits even if you are willing to get them as an add-on.

COMPANY HIGHLIGHTS

Getting insurance for more than one pet can be costly. A multi-pet discount helps reduce your monthly premiums slightly, and the best pet insurance company in Illinois for multiple pets is Pets Best. The average cost of a policy from Pets Best with a multi-pet discount is $25.22 per month.

When you enroll a new dog or cat in your existing Pets Best policy or get coverage for more than one pet at the same time, Pets Best applies a 5% multi-pet discount. Because Pets Best has no upper age limit, it doesn’t matter if you’re registering a puppy (or kitten) or an older animal. It’s good to know that Pets Best does not reduce or cancel coverage based on your pet’s age.

When buying pet insurance, you may want to look at how long the waiting period is. As with most companies, the Pets Best waiting period before coverage kicks in is 14 days for illnesses. There’s a six-month waiting period to cover cruciate ligament conditions, as well. Some providers can provide coverage for accidents as early as two or three days from the policy date.

COMPANY HIGHLIGHTS

Cats are cheaper to insure than dogs. The best pet insurance company in Illinois for cats is GEICO. On average, GEICO offers the state’s cheapest pet insurance for cats at $17.52 per month.

Annual coverage limits range from $5,000 to $30,000, while deductibles are between $200 and $1,000. You can choose to see any licensed veterinarian and select reimbursement of up to 90% of the vet bill. As with most insurers, the waiting period is two days for accidents, 14 days for illness and six months for orthopedic conditions.

Note that your pet must have visited a vet within the 12 months before your insurance coverage starts. You can take your pet in during the waiting period.

Coverage through GEICO includes accidents, such as broken bones or your pet swallowing something they shouldn’t, illness, dental issues, cancer treatment and more. Exam fees in the case of accident or illness are covered, and you can select a wellness add-on to cover preventive care services of up to $650 per year. The insurer will reevaluate a curable, pre-existing condition if your pet remains symptom- and treatment-free for 12 consecutive months.