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HB3595 - 104th General Assembly
INS CD-PET INSURANCE
Last Action
House Sponsors
Rep. Joyce Mason - Maura Hirschauer - Dave Vella, Justin Cochran, Nicolle Grasse, Bob Morgan, Suzanne M. Ness, Laura Faver Dias and Margaret A. DeLaRosaSenate Sponsors
(Sen. Julie A. Morrison)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:
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
215 ILCS 5/1830 new
215 ILCS 5/1835 new
Adds reference to:
215 ILCS 5/1from Ch. 73, par. 613
Replaces everything after the enacting clause. Amends the Illinois Insurance Code. Makes a technical change in a Section concerning the short title.
Senate Floor Amendment No. 2
Deletes reference to:
Adds reference to:
5 ILCS 315/3from Ch. 48, par. 1603
5 ILCS 315/7from Ch. 48, par. 1607
5 ILCS 340/3from Ch. 15, par. 503
20 ILCS 505/5afrom Ch. 23, par. 5005a
20 ILCS 505/22.1from Ch. 23, par. 5022.1
20 ILCS 505/22.4from Ch. 23, par. 5022.4
20 ILCS 655/8from Ch. 67 1/2, par. 612
20 ILCS 3510/2from Ch. 111 1/2, par. 8102
30 ILCS 590/2from Ch. 127, par. 3002
30 ILCS 590/3from Ch. 127, par. 3003
30 ILCS 590/4from Ch. 127, par. 3004
30 ILCS 590/5from Ch. 127, par. 3005
35 ILCS 105/2cfrom Ch. 120, par. 439.2c
35 ILCS 115/2cfrom Ch. 120, par. 439.102c
35 ILCS 120/2hfrom Ch. 120, par. 441h
55 ILCS 5/4-11001from Ch. 34, par. 4-11001
65 ILCS 5/11-74.4-3from Ch. 24, par. 11-74.4-3
65 ILCS 5/11-80-15from Ch. 24, par. 11-80-15
105 ILCS 5/2-3.66from Ch. 122, par. 2-3.66
105 ILCS 5/10-22.18bfrom Ch. 122, par. 10-22.18b
105 ILCS 5/10-22.18cfrom Ch. 122, par. 10-22.18c
105 ILCS 5/34-18.4from Ch. 122, par. 34-18.4
105 ILCS 10/2from Ch. 122, par. 50-2
110 ILCS 305/1dfrom Ch. 144, par. 22d
110 ILCS 520/8b.1from Ch. 144, par. 658b.1
210 ILCS 85/6.13from Ch. 111 1/2, par. 147.13
215 ILCS 5/1204from Ch. 73, par. 1065.904
225 ILCS 10/2.11from Ch. 23, par. 2212.11
225 ILCS 10/2.18from Ch. 23, par. 2212.18
225 ILCS 10/2.20from Ch. 23, par. 2212.20
225 ILCS 10/2.41 new
225 ILCS 10/4from Ch. 23, par. 2214
225 ILCS 10/4.1from Ch. 23, par. 2214.1
225 ILCS 10/4.2from Ch. 23, par. 2214.2
225 ILCS 10/4.3from Ch. 23, par. 2214.3
225 ILCS 10/4.4from Ch. 23, par. 2214.4
225 ILCS 10/5from Ch. 23, par. 2215
225 ILCS 10/6from Ch. 23, par. 2216
225 ILCS 10/7from Ch. 23, par. 2217
225 ILCS 10/8from Ch. 23, par. 2218
225 ILCS 10/8.1from Ch. 23, par. 2218.1
225 ILCS 10/8.2from Ch. 23, par. 2218.2
225 ILCS 10/9from Ch. 23, par. 2219
225 ILCS 10/10from Ch. 23, par. 2220
225 ILCS 10/11.2from Ch. 23, par. 2221.2
225 ILCS 10/12from Ch. 23, par. 2222
225 ILCS 10/15from Ch. 23, par. 2225
225 ILCS 10/18from Ch. 23, par. 2228
225 ILCS 235/2from Ch. 111 1/2, par. 2202
225 ILCS 235/3.03from Ch. 111 1/2, par. 2203.03
225 ILCS 235/10.2from Ch. 111 1/2, par. 2210.2
225 ILCS 235/21.1from Ch. 111 1/2, par. 2221.1
235 ILCS 5/6-15from Ch. 43, par. 130
305 ILCS 5/5-19from Ch. 23, par. 5-19
305 ILCS 5/9-6from Ch. 23, par. 9-6
305 ILCS 5/9A-7from Ch. 23, par. 9A-7
305 ILCS 5/9A-11from Ch. 23, par. 9A-11
325 ILCS 5/2from Ch. 23, par. 2052
325 ILCS 5/8.2from Ch. 23, par. 2058.2
325 ILCS 5/11.1from Ch. 23, par. 2061.1
325 ILCS 50/5from Ch. 23, par. 2285
405 ILCS 5/1-111from Ch. 91 1/2, par. 1-111
410 ILCS 45/7.1from Ch. 111 1/2, par. 1307.1
410 ILCS 205/3from Ch. 23, par. 2333
415 ILCS 65/2from Ch. 5, par. 852
415 ILCS 65/3from Ch. 5, par. 853
415 ILCS 65/6from Ch. 5, par. 856
425 ILCS 65/9from Ch. 127 1/2, par. 709
625 ILCS 5/12-707.01from Ch. 95 1/2, par. 12-707.01
720 ILCS 5/18-1from Ch. 38, par. 18-1
720 ILCS 5/19-1from Ch. 38, par. 19-1
720 ILCS 5/48-1was 720 ILCS 5/26-5
725 ILCS 5/112A-22from Ch. 38, par. 112A-22
730 ILCS 5/3-3-7from Ch. 38, par. 1003-3-7
750 ILCS 60/203from Ch. 40, par. 2312-3
750 ILCS 60/222from Ch. 40, par. 2312-22
775 ILCS 5/5-101from Ch. 68, par. 5-101
820 ILCS 105/3from Ch. 48, par. 1003
Replaces everything after the enacting clause. Amends various Acts by replacing the terms "day care", "daycare", and "day-care", in relation to the care of a child, with the term "early care and education" and from "facility" to "provider". Amends the Child Care Act of 1969. Provides that the following are exempt from licensure under the Act and must register as Recognized Alternative Providers: part day programs for children 3 years of age until they reach 5 years of age or begin kindergarten, whichever is later, where the child is present for a maximum of 3 hours per day and the parent or guardian is not on site; programs or portions of programs that serve children who have reached 3 years of age in full early care and education that are operated by a church or religious institution that receive no governmental aid; nonresidential programs for children 5 years of age to 12 years of age that have supervisors of children when school is not in session, that act as an alternative to full-day school or care, and that operate for no more than 100 days in any 12-month period; and programs that provide care to children 5 years of age to 12 years of age before or after school hours. Sets forth registration requirements for Recognized Alternative Providers, including background check requirements. Provides that certain programs are exempt from registration requirements for Recognized Alternative Providers and licensure requirements under the Act. Makes changes in provisions concerning definitions; the prohibition of unlicensed practice; criminal background investigations; and advertisements. Repeals provisions concerning an exemption from licensure for day care homes and group day care homes serving children of military personnel and a child from a foreign state or country and the definition of "part day child care facility". Makes other changes. Effective July 1, 2026.
Actions
| Date | Chamber | Action |
|---|---|---|
| 2/07/2025 | House | Filed with the Clerk by Rep. Joyce Mason |
| 2/18/2025 | House | First Reading |
| 2/18/2025 | House | Referred to Rules Committee |
| 3/11/2025 | House | Assigned to Insurance Committee |
| 3/18/2025 | House | Do Pass / Short Debate Insurance Committee; 017-000-000 |
| 3/19/2025 | House | Placed on Calendar 2nd Reading - Short Debate |
| 3/26/2025 | House | Second Reading - Short Debate |
| 3/26/2025 | House | Held on Calendar Order of Second Reading - Short Debate |
| 4/11/2025 | House | Rule 19(a) / Re-referred to Rules Committee |
| 2/11/2026 | House | Approved for Consideration Rules Committee; 005-000-000 |
| 2/13/2026 | House | Placed on Calendar 2nd Reading - Short Debate |
| 3/13/2026 | House | House Floor Amendment No. 1 Filed with Clerk by Rep. Joyce Mason |
| 3/13/2026 | House | House Floor Amendment No. 1 Referred to Rules Committee |
| 3/18/2026 | House | House Floor Amendment No. 1 Rules Refers to Insurance Committee |
| 3/23/2026 | House | House Floor Amendment No. 2 Filed with Clerk by Rep. Joyce Mason |
| 3/23/2026 | House | House Floor Amendment No. 2 Referred to Rules Committee |
| 3/24/2026 | House | House Floor Amendment No. 2 Rules Refers to Insurance Committee |
| 3/24/2026 | House | House Floor Amendment No. 2 Recommends Be Adopted Insurance Committee; 015-000-000 |
| 4/08/2026 | House | House Floor Amendment No. 3 Filed with Clerk by Rep. Joyce Mason |
| 4/08/2026 | House | House Floor Amendment No. 3 Referred to Rules Committee |
| 4/08/2026 | House | House Floor Amendment No. 3 Rules Refers to Insurance Committee |
| 4/09/2026 | House | House Floor Amendment No. 3 Recommends Be Adopted Insurance Committee; 016-000-000 |
| 4/14/2026 | House | House Floor Amendment No. 2 Adopted |
| 4/14/2026 | House | House Floor Amendment No. 3 Adopted |
| 4/14/2026 | House | Placed on Calendar Order of 3rd Reading - Short Debate |
| 4/14/2026 | House | Chair Rules Standard Debate |
| 4/14/2026 | House | Placed on Calendar Order of 3rd Reading - Standard Debate |
| 4/14/2026 | House | Third Reading - Standard Debate - Passed 104-000-000 |
| 4/14/2026 | House | House Floor Amendment No. 1 Tabled |
| 4/15/2026 | Senate | Arrive in Senate |
| 4/15/2026 | Senate | Placed on Calendar Order of First Reading April 16, 2026 |
| 4/16/2026 | House | Added Co-Sponsor Rep. Justin Cochran |
| 4/16/2026 | House | Added Chief Co-Sponsor Rep. Dave Vella |
| 4/21/2026 | Senate | Chief Senate Sponsor Sen. Linda Holmes |
| 4/21/2026 | Senate | First Reading |
| 4/21/2026 | Senate | Referred to Assignments |
| 5/12/2026 | Senate | Alternate Chief Sponsor Changed to Sen. Don Harmon |
| 5/13/2026 | Senate | Approved for Consideration Assignments |
| 5/13/2026 | Senate | Placed on Calendar Order of 2nd Reading May 14, 2026 |
| 5/13/2026 | Senate | Senate Floor Amendment No. 1 Filed with Secretary by Sen. Don Harmon |
| 5/13/2026 | Senate | Senate Floor Amendment No. 1 Referred to Assignments |
| 5/13/2026 | Senate | Senate Floor Amendment No. 1 Assignments Refers to Executive |
| 5/13/2026 | Senate | Senate Floor Amendment No. 1 Recommend Do Adopt Executive; 009-004-000 |
| 5/18/2026 | Senate | Second Reading |
| 5/18/2026 | Senate | Senate Floor Amendment No. 1 Adopted; Harmon |
| 5/18/2026 | Senate | Placed on Calendar Order of 3rd Reading May 19, 2026 |
| 5/22/2026 | Senate | Rule 2-10 Third Reading Deadline Established As May 31, 2026 |
| 5/27/2026 | House | Added Chief Co-Sponsor Rep. Maura Hirschauer |
| 5/29/2026 | Senate | Senate Floor Amendment No. 2 Filed with Secretary by Sen. Julie A. Morrison |
| 5/29/2026 | Senate | Senate Floor Amendment No. 2 Referred to Assignments |
| 5/29/2026 | House | Added Co-Sponsor Rep. Nicolle Grasse |
| 5/29/2026 | House | Added Co-Sponsor Rep. Bob Morgan |
| 5/29/2026 | House | Added Co-Sponsor Rep. Suzanne M. Ness |
| 5/29/2026 | House | Added Co-Sponsor Rep. Laura Faver Dias |
| 5/29/2026 | Senate | Alternate Chief Sponsor Changed to Sen. Julie A. Morrison |
| 5/29/2026 | Senate | Senate Floor Amendment No. 2 Be Approved for Consideration Assignments |
| 5/30/2026 | Senate | Recalled to Second Reading |
| 5/30/2026 | Senate | Senate Floor Amendment No. 2 Adopted; Morrison |
| 5/30/2026 | Senate | Placed on Calendar Order of 3rd Reading |
| 5/30/2026 | Senate | Third Reading - Passed; 050-007-000 |
| 5/30/2026 | House | Arrived in House |
| 5/30/2026 | House | Placed on Calendar Order of Concurrence Senate Amendment(s) 1, 2 |
| 5/30/2026 | House | Senate Floor Amendment No. 1 Motion Filed Concur Rep. Joyce Mason |
| 5/30/2026 | House | Senate Floor Amendment No. 2 Motion Filed Concur Rep. Joyce Mason |
| 5/30/2026 | House | Senate Floor Amendment No. 1 Motion to Concur Referred to Rules Committee |
| 5/30/2026 | House | Senate Floor Amendment No. 2 Motion to Concur Referred to Rules Committee |
| 5/30/2026 | House | Senate Floor Amendment No. 1 Motion to Concur Rules Referred to Child Care Accessibility & Early Childhood Education |
| 5/30/2026 | House | Senate Floor Amendment No. 2 Motion to Concur Rules Referred to Child Care Accessibility & Early Childhood Education |
| 5/31/2026 | House | Senate Floor Amendment No. 1 Motion to Concur Recommends Be Adopted Child Care Accessibility & Early Childhood Education; 009-004-000 |
| 5/31/2026 | House | Senate Floor Amendment No. 2 Motion to Concur Recommends Be Adopted Child Care Accessibility & Early Childhood Education; 009-004-000 |
| 5/31/2026 | House | Senate Floor Amendment No. 1 House Concurs 080-033-000 |
| 5/31/2026 | House | Senate Floor Amendment No. 2 House Concurs 080-033-000 |
| 5/31/2026 | House | House Concurs |
| 5/31/2026 | House | Passed Both Houses |
| 5/31/2026 | House | Added Co-Sponsor Rep. Margaret A. DeLaRosa |