Illinois Pet Insurance Bill Requires Coverage Disclosures
Illinois Legislative Events
Summary
The Illinois General Assembly passed HB3595, creating the Pet Insurance Article of the Illinois Insurance Code. The bill requires pet insurers to disclose coverage exclusions, limitations, waiting periods, and other policy information. It also establishes a 30-day examination period during which consumers may return policies and receive premium refunds, limits waiting periods to 30 days for illnesses and orthopedic conditions, and prohibits waiting periods for accidents.
What changed
HB3595 creates the Pet Insurance Article of the Illinois Insurance Code, establishing comprehensive regulatory requirements for pet insurers operating in Illinois. The bill mandates disclosure of coverage exclusions, limitations, waiting periods, and other material policy information. It provides consumers with a 30-day right to examine and return policies with a full premium refund. The legislation permits insurers to exclude preexisting conditions with appropriate disclosure and impose waiting periods not exceeding 30 days for illnesses or orthopedic conditions not resulting from accidents, while prohibiting waiting periods for accidents. Additionally, the bill prohibits marketing wellness programs as pet insurance.
Pet insurers and insurance producers in Illinois must now comply with new disclosure obligations, consumer rights provisions, and marketing restrictions. Companies should review and update policy documents, disclosure forms, and marketing materials to ensure compliance with the new requirements before the law takes effect.
What to do next
- Review pet insurance policies for compliance with new disclosure requirements
- Update policy documents to include required exclusions, limitations, and waiting period disclosures
- Ensure 30-day examination and refund provisions are implemented for all new policies
Archived snapshot
Apr 10, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
ChangeBridge / Illinois / HB3595 Passed HB3595 House Bill Passed 2025-02-07
INS CD-PET INSURANCE
Amends the Illinois Insurance Code. Creates the Pet Insurance Article of the Code. Defines terms. Requires a pet insurer to disclose coverage exclusions, limitations, waiting periods, and other information. Provides that pet insurance applicants shall have the right to examine and return the policy, certificate, or rider to the company or an agent or insurance producer of the company within 30 days of its receipt and to have the premium refunded if, after examination of the policy, certificate, or rider, the applicant is not satisfied for any reason. Provides that a pet insurer may issue policies that exclude coverage on the basis of one or more preexisting conditions with appropriate disclosure to the consumer. Provides that a pet insurer may issue policies that impose waiting periods upon effectuation of the policy that do not exceed 30 days for illnesses or orthopedic conditions not resulting from an accident. Prohibits waiting periods for accidents. Provides that no pet insurer or insurance producer shall market a wellness program as pet insurance. Sets forth provisions concerning wellness programs sold by a pet insurer or insurance producer.
Bill Details
State Illinois
Session 104th General Assembly
Chamber House
Official Source www.ilga.gov/Legislation/BillStatus?DocNum...
LegiScan View on LegiScan
Sponsors
Joyce Mason (Rep - D)
Action History
2026-04-09 H House Floor Amendment No. 3 Recommends Be Adopted Insurance Committee; 016-000-000 2026-04-08 H House Floor Amendment No. 3 Rules Refers to Insurance Committee 2026-04-08 H House Floor Amendment No. 3 Referred to Rules Committee 2026-04-08 H House Floor Amendment No. 3 Filed with Clerk by Rep. Joyce Mason 2026-03-24 H House Floor Amendment No. 2 Recommends Be Adopted Insurance Committee; 015-000-000 2026-03-24 H House Floor Amendment No. 2 Rules Refers to Insurance Committee 2026-03-23 H House Floor Amendment No. 2 Referred to Rules Committee 2026-03-23 H House Floor Amendment No. 2 Filed with Clerk by Rep. Joyce Mason 2026-03-18 H House Floor Amendment No. 1 Rules Refers to Insurance Committee 2026-03-13 H House Floor Amendment No. 1 Referred to Rules Committee 2026-03-13 H House Floor Amendment No. 1 Filed with Clerk by Rep. Joyce Mason 2026-02-13 H Placed on Calendar 2nd Reading - Short Debate 2026-02-11 H Approved for Consideration Rules Committee; 005-000-000 2025-04-11 H Rule 19(a) / Re-referred to Rules Committee 2025-03-26 H Held on Calendar Order of Second Reading - Short Debate 2025-03-26 H Second Reading - Short Debate 2025-03-19 H Placed on Calendar 2nd Reading - Short Debate 2025-03-18 H Do Pass / Short Debate Insurance Committee; 017-000-000 2025-03-11 H Assigned to Insurance Committee 2025-02-18 H Referred to Rules Committee 2025-02-18 H First Reading 2025-02-07 H Filed with the Clerk by Rep. Joyce Mason
Committee Referrals
2025-02-18 H Rules 2025-03-11 H Insurance 2025-04-11 H Rules 2026-03-18 H Insurance 2026-03-23 H Rules 2026-03-24 H Insurance 2026-04-08 H Rules 2026-04-08 H Insurance
Amendments
2026-03-13 House Amendment 001 2026-03-23 House Amendment 002 2026-04-08 House Amendment 003
Bill Text Versions
2025-02-07 Introduced Legislative data powered by LegiScan (CC BY 4.0)
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