HB3595 - 104th General Assembly (2025-2026)

INS CD-PET INSURANCE
Last Action
4/21/2026 - Senate: Referred to Assignments
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.
Actions
DateChamberAction
2/07/2025HouseFiled with the Clerk by Rep. Joyce Mason
2/18/2025HouseFirst Reading
2/18/2025HouseReferred to Rules Committee
3/11/2025HouseAssigned to Insurance Committee
3/18/2025HouseDo Pass / Short Debate Insurance Committee; 017-000-000
3/19/2025HousePlaced on Calendar 2nd Reading - Short Debate
3/26/2025HouseSecond Reading - Short Debate
3/26/2025HouseHeld on Calendar Order of Second Reading - Short Debate
4/11/2025HouseRule 19(a) / Re-referred to Rules Committee
2/11/2026HouseApproved for Consideration Rules Committee; 005-000-000
2/13/2026HousePlaced on Calendar 2nd Reading - Short Debate
3/13/2026HouseHouse Floor Amendment No. 1 Filed with Clerk by Rep. Joyce Mason
3/13/2026HouseHouse Floor Amendment No. 1 Referred to Rules Committee
3/18/2026HouseHouse Floor Amendment No. 1 Rules Refers to Insurance Committee
3/23/2026HouseHouse Floor Amendment No. 2 Filed with Clerk by Rep. Joyce Mason
3/23/2026HouseHouse Floor Amendment No. 2 Referred to Rules Committee
3/24/2026HouseHouse Floor Amendment No. 2 Rules Refers to Insurance Committee
3/24/2026HouseHouse Floor Amendment No. 2 Recommends Be Adopted Insurance Committee; 015-000-000
4/08/2026HouseHouse Floor Amendment No. 3 Filed with Clerk by Rep. Joyce Mason
4/08/2026HouseHouse Floor Amendment No. 3 Referred to Rules Committee
4/08/2026HouseHouse Floor Amendment No. 3 Rules Refers to Insurance Committee
4/09/2026HouseHouse Floor Amendment No. 3 Recommends Be Adopted Insurance Committee; 016-000-000
4/14/2026HouseHouse Floor Amendment No. 2 Adopted
4/14/2026HouseHouse Floor Amendment No. 3 Adopted
4/14/2026HousePlaced on Calendar Order of 3rd Reading - Short Debate
4/14/2026HouseChair Rules Standard Debate
4/14/2026HousePlaced on Calendar Order of 3rd Reading - Standard Debate
4/14/2026HouseThird Reading - Standard Debate - Passed 104-000-000
4/14/2026HouseHouse Floor Amendment No. 1 Tabled
4/15/2026SenateArrive in Senate
4/15/2026SenatePlaced on Calendar Order of First Reading April 16, 2026
4/16/2026HouseAdded Co-Sponsor Rep. Justin Cochran
4/16/2026HouseAdded Chief Co-Sponsor Rep. Dave Vella
4/21/2026SenateChief Senate Sponsor Sen. Linda Holmes
4/21/2026SenateFirst Reading
4/21/2026SenateReferred to Assignments