In Illinois, most pet insurance projects cost between $20.00 and $80.00 per month, with a typical price near $45.00. Local labour, permits and materials move the final price, so treat the range below as a planning guide.
Typical pet insurance cost
$20.00 – $80.00
per month · typical $45.00
A general planning range, not a quotation.
Pet insurance cost breakdown
- Accident-only$10.00 – $30.00typical $20.00
- Accident & illness$25.00 – $70.00typical $45.00
- Wellness add-on$40.00 – $100typical $65.00
At a glance
- Typical range$20.00 – $80.00
- Unitper month
- Cities covered50
What Pet Insurance costs
Monthly premium for pet health insurance. Accident-only plans are cheapest; comprehensive with wellness add-ons cost more. Average $45/month for a dog.
By city in Illinois
- Addison
- Alton
- Arlington Heights
- Belleville
- Berwyn
- Bolingbrook
- Buffalo Grove
- Calumet City
- Carbondale
- Carol Stream
- Carpentersville
- Champaign
- Chicago
- Cicero
- Crystal Lake
- DeKalb
- Decatur
- Des Plaines
- Downers Grove
- Elgin
- Elmhurst
- Evanston
- Glenview
- Hanover Park
- Hoffman Estates
- Joliet
- Kankakee
- Lombard
- Moline
- Mount Prospect
- Naperville
- Normal
- Oak Lawn
- Oak Park
- Orland Park
- Palatine
- Park Ridge
- Peoria
- Rock Island
- Rockford
- Romeoville
- Round Lake Beach
- Schaumburg
- Skokie
- Springfield
- Streamwood
- Tinley Park
- Urbana
- Waukegan
- Wheaton
Frequently asked questions
Are pre-existing conditions covered?
No, most insurers exclude pre-existing conditions. Get insurance before your pet develops issues.
How do deductibles and reimbursement work?
Choose an annual deductible ($100-500) and reimbursement level (70-90%). Higher deductible/preimbursement lowers premium.
What are typical annual payout limits?
Many plans have $5,000-10,000 annual limits. Unlimited plans cost more but cover major emergencies.