Pet Insurance in Illinois


Did You Know?

More than half of all households in Illinois have a pet (32% have dogs and over 26% have cats).

The lifestyles of Illinois pets vary as much as their parents’, from the city slicker canine in Chicagoland to the chilled out cat south of Route 50 who spends her days soaking up the warmer temperatures. And Prairie State pups have boundless freedom, with off-leash dog beaches and parks in abundance, such as Montrose Dog Beach in Illinois, Green Valley Forest Preserve in Naperville, and Prairie Wolf Dog Park in Lake Forest.

But living in Illinois can also bring some unique challenges and risks to pets. Illinois’ changeable and sometimes extreme weather means pet parents have to be wary of heat stroke and burnt paws in summer (also known as construction season in Chicago) and everything from antifreeze poisoning to frostbite in winter. Then there are the conditions which are more commonly diagnosed in Illinois compared to the national average, such as arthritis for dogs and kidney disease for cats.

In fact, one in three Illinoisan pets will get sick or injured this year.


Crunching Veterinary Costs

Here is a sample of common health conditions and the costs associated with each.


ConditionCost to Treat
Addison’s Disease$2,400 per year
Broken Bones$200 to $5,000
Cancer$5,000 to $20,000
Patellar Luxation$1,500 to $3,000
Torn Ligament$3,000 to $6,000


Source: Dog Health Conditions


Living in the land of Lincoln isn’t cheap. In fact, according to the Bureau of Economic Analysis, only 13 states are more expensive than Illinois to live in.

This is reflected in the cost of veterinary care in Illinois, which means vet bills can easily run to four figures, even for common treatments.

If you live in a major metropolitan area like Chicago, Aurora, or Rockford, you can expect to pay even more if your pet gets sick or injured.

Source: Bureau of Economic Analysis


How Much Does It Cost?



The cost of pet insurance depends on two key factors: your pet and your zip code. Pet insurance companies rate the cost on how likely your pet is to suffer from a hereditary issue (like hip dysplasia) and the cost of treatment where you live.


Coverage LevelAvg. Cost
Accident Only$24/mo.
Medical Plan$38/mo.
Wellness Plan$30/mo.


So the cost of pet insurance Chicago is more expensive than Peoria, for example. Pet insurance companies rate plans based on your pet’s breed, age and zip code. Here are some samples of prices across the state for a three year-old mix breed dog.




Source: Pet Insurance Cost


Highest Rated Vet Clinics in Illinois

  • Arlington Park Veterinary Hospital – Rolling Meadows, IL
  • Mont Clare Animal Hospital – Chicago, IL
  • Oakwood Veterinary Service – Colona, IL
  • Sutton Road Animal Hospital – Streamwood, IL
  • Broadway Animal Hospital Chicago
  • Arlington Park Vet
  • Mont Clare Animal Hospital


Insurance That’s Right For You and Your Pet

With a range of pet insurance companies offering coverage in Illinois, it’s crucial to compare plans and prices to discover which will suit your pet’s needs and your bank balance. You want your pet to have the very best medical care no matter what- without worrying about huge vet bills!

Ready for the peace of mind that comes with knowing your pet is protected?



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