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Bill Status of HB3595

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HB3595 - 104th General Assembly

INS CD-PET INSURANCE

Last Action

5/18/2026 - Senate: Placed on Calendar Order of 3rd Reading May 19, 2026

House Sponsors

Rep. Joyce Mason - Dave Vella and Justin Cochran

Senate Sponsors

(Sen. Don Harmon)

Statutes Amended In Order of Appearance

215 ILCS 5/Art. XLVIII heading new

215 ILCS 5/1800 new

215 ILCS 5/1805 new

215 ILCS 5/1810 new

215 ILCS 5/1815 new

215 ILCS 5/1820 new

215 ILCS 5/1825 new

Synopsis As Introduced

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.

House Floor Amendment No. 2

Adds reference to:

215 ILCS 5/1830 new

215 ILCS 5/1835 new

Further amends the Illinois Insurance Code. Provides that no pet insurer or insurance producer shall market a wellness program during the sale, solicitation, or negotiation of pet insurance. Prohibits an insurance producer from selling soliciting, or negotiating a pet insurance product until after the producer is appropriately licensed and has completed specified training. Provides that the satisfaction of the training requirements of another state that are substantially similar to the specified requirements shall satisfy the training requirements in Illinois. Provides that the Department of Insurance may adopt rules to implement the Pet Insurance Article.

House Floor Amendment No. 3

Provides that any person licensed as an insurance producer with a personal line of authority or with both property and casualty lines of authority (rather than in a major line of authority as an insurance producer) is authorized to sell, solicit, and negotiate pet insurance.

Senate Floor Amendment No. 1

Deletes reference to: