Illinois · House Bill 3595 · 104th General Assembly

INS CD-PET INSURANCE

HB 3595 Sponsored by Joyce Mason Became law

  1. Introduced Feb 7, 2025
  2. In committee Feb 18, 2025
  3. Passed the House Apr 14, 2026
  4. Passed the Senate May 30, 2026
  5. To the governor Jun 23, 2026
  6. Became law Jun 26, 2026

What it does

The legislature's own summary of the bill, or its official long title.

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…

Read the full title (182 words)

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.

Every action

79 steps, oldest first, as the legislature records them.

Show the 71 earlier steps
  1. HouseFiled with the Clerk by Rep. Joyce Mason
  2. HouseFirst Reading
  3. CommitteeReferred to Rules Committee · House Rules
  4. CommitteeAssigned to Insurance Committee · House Insurance
  5. CommitteeDo Pass / Short Debate Insurance Committee; 017-000-000 · House Insurance
  6. HousePlaced on Calendar 2nd Reading - Short Debate
  7. HouseSecond Reading - Short Debate
  8. HouseHeld on Calendar Order of Second Reading - Short Debate
  9. CommitteeRule 19(a) / Re-referred to Rules Committee · House Rules
  10. CommitteeApproved for Consideration Rules Committee; 005-000-000 · House Rules
  11. HousePlaced on Calendar 2nd Reading - Short Debate
  12. HouseHouse Floor Amendment No. 1 Filed with Clerk by Rep. Joyce Mason
  13. CommitteeHouse Floor Amendment No. 1 Referred to Rules Committee · House Rules
  14. CommitteeHouse Floor Amendment No. 1 Rules Refers to Insurance Committee · House Insurance
  15. HouseHouse Floor Amendment No. 2 Filed with Clerk by Rep. Joyce Mason
  16. CommitteeHouse Floor Amendment No. 2 Referred to Rules Committee · House Rules
  17. CommitteeHouse Floor Amendment No. 2 Rules Refers to Insurance Committee · House Insurance
  18. CommitteeHouse Floor Amendment No. 2 Recommends Be Adopted Insurance Committee; 015-000-000 · House Insurance
  19. HouseHouse Floor Amendment No. 3 Filed with Clerk by Rep. Joyce Mason
  20. CommitteeHouse Floor Amendment No. 3 Referred to Rules Committee · House Rules
  21. CommitteeHouse Floor Amendment No. 3 Rules Refers to Insurance Committee · House Insurance
  22. CommitteeHouse Floor Amendment No. 3 Recommends Be Adopted Insurance Committee; 016-000-000 · House Insurance
  23. HouseHouse Floor Amendment No. 2 Adopted
  24. HouseHouse Floor Amendment No. 3 Adopted
  25. HousePlaced on Calendar Order of 3rd Reading - Short Debate
  26. HouseChair Rules Standard Debate
  27. HousePlaced on Calendar Order of 3rd Reading - Standard Debate
  28. HouseThird Reading - Standard Debate - Passed 104-000-000
  29. HouseHouse Floor Amendment No. 1 Tabled
  30. SenateArrive in Senate
  31. SenatePlaced on Calendar Order of First Reading April 16, 2026
  32. HouseAdded Co-Sponsor Rep. Justin Cochran
  33. HouseAdded Chief Co-Sponsor Rep. Dave Vella
  34. SenateChief Senate Sponsor Sen. Linda Holmes
  35. SenateFirst Reading
  36. CommitteeReferred to Assignments · Senate Assignments
  37. SenateAlternate Chief Sponsor Changed to Sen. Don Harmon
  38. CommitteeApproved for Consideration Assignments · Senate Assignments
  39. SenatePlaced on Calendar Order of 2nd Reading May 14, 2026
  40. SenateSenate Floor Amendment No. 1 Filed with Secretary by Sen. Don Harmon
  41. CommitteeSenate Floor Amendment No. 1 Referred to Assignments · Senate Assignments
  42. CommitteeSenate Floor Amendment No. 1 Assignments Refers to Executive · Senate Assignments
  43. CommitteeSenate Floor Amendment No. 1 Recommend Do Adopt Executive; 009-004-000 · Senate Executive
  44. SenateSecond Reading
  45. SenateSenate Floor Amendment No. 1 Adopted; Harmon
  46. SenatePlaced on Calendar Order of 3rd Reading May 19, 2026
  47. SenateRule 2-10 Third Reading Deadline Established As May 31, 2026
  48. HouseAdded Chief Co-Sponsor Rep. Maura Hirschauer
  49. SenateSenate Floor Amendment No. 2 Filed with Secretary by Sen. Julie A. Morrison
  50. CommitteeSenate Floor Amendment No. 2 Referred to Assignments · Senate Assignments
  51. HouseAdded Co-Sponsor Rep. Nicolle Grasse
  52. HouseAdded Co-Sponsor Rep. Bob Morgan
  53. HouseAdded Co-Sponsor Rep. Suzanne M. Ness
  54. HouseAdded Co-Sponsor Rep. Laura Faver Dias
  55. SenateAlternate Chief Sponsor Changed to Sen. Julie A. Morrison
  56. CommitteeSenate Floor Amendment No. 2 Be Approved for Consideration Assignments · Senate Assignments
  57. SenateRecalled to Second Reading
  58. SenateSenate Floor Amendment No. 2 Adopted; Morrison
  59. SenatePlaced on Calendar Order of 3rd Reading
  60. SenateThird Reading - Passed; 050-007-000
  61. HouseArrived in House
  62. HousePlaced on Calendar Order of Concurrence Senate Amendment(s) 1, 2
  63. HouseSenate Floor Amendment No. 1 Motion Filed Concur Rep. Joyce Mason
  64. HouseSenate Floor Amendment No. 2 Motion Filed Concur Rep. Joyce Mason
  65. CommitteeSenate Floor Amendment No. 1 Motion to Concur Referred to Rules Committee · House Rules
  66. CommitteeSenate Floor Amendment No. 2 Motion to Concur Referred to Rules Committee · House Rules
  67. CommitteeSenate Floor Amendment No. 1 Motion to Concur Rules Referred to Child Care Accessibility & Early Childhood Education · House Child Care Access & Early Childhood
  68. CommitteeSenate Floor Amendment No. 2 Motion to Concur Rules Referred to Child Care Accessibility & Early Childhood Education · House Child Care Access & Early Childhood
  69. CommitteeSenate Floor Amendment No. 1 Motion to Concur Recommends Be Adopted Child Care Accessibility & Early Childhood Education; 009-004-000 · House Child Care Access & Early Childhood
  70. CommitteeSenate Floor Amendment No. 2 Motion to Concur Recommends Be Adopted Child Care Accessibility & Early Childhood Education; 009-004-000 · House Child Care Access & Early Childhood
  71. HouseSenate Floor Amendment No. 1 House Concurs 080-033-000
  1. HouseSenate Floor Amendment No. 2 House Concurs 080-033-000
  2. HouseHouse Concurs
  3. HousePassed Both Houses
  4. HouseAdded Co-Sponsor Rep. Margaret A. DeLaRosa
  5. HouseSent to the Governor
  6. HouseGovernor Approved
  7. HouseEffective Date July 1, 2026
  8. HousePublic Act . . . . . . . . . 104-0480

Roll calls

10 recorded votes: 4 on the floor, 6 in committee. Each shows how every member voted.

Third Reading · Full House

Passed 104–0
Apr 14, 2026 · journal entry
Yes 104 No 0 Not voting 14
Democrats: 73 yes, 0 no Republicans: 31 yes, 0 no
How each member voted

Yes · 104

Not voting · 7

Excused · 7

Third Reading · Full Senate

Passed 50–7
May 30, 2026 · journal entry
Yes 50 No 7 Not voting 2
Democrats: 38 yes, 0 no Republicans: 12 yes, 7 no
How each member voted

Yes · 50

No · 7

Not voting · 2

Senate Floor Amendment No. 1 - Concurrence · Full House

Passed 80–33
May 31, 2026 · journal entry
Yes 80 No 33 Not voting 5
Democrats: 77 yes, 0 no Republicans: 3 yes, 33 no
How each member voted

Yes · 80

No · 33

Not voting · 3

Excused · 2

Senate Floor Amendment No. 2 - Concurrence · Full House

Passed 80–33
May 31, 2026 · journal entry
Yes 80 No 33 Not voting 5
Democrats: 77 yes, 0 no Republicans: 3 yes, 33 no
How each member voted

Yes · 80

No · 33

Not voting · 3

Excused · 2

Committee and other votes

DateWhereQuestionResult
Mar 18, 2025 House Insurance Insurance - Do Pass
Members

Yes · 17

 Passed 17–0
Mar 24, 2026 House Insurance House Floor Amendment No. 2 - Insurance - Recommends Be Adopted
Members

Yes · 15

Not voting · 1

 Passed 15–0
Apr 9, 2026 House Insurance House Floor Amendment No. 3 - Insurance - Recommends Be Adopted
Members

Yes · 16

 Passed 16–0
May 13, 2026 Senate Executive Senate Floor Amendment No. 1 - Executive - Recommend Do Adopt
Members

Yes · 9

No · 4

 Passed 9–4
May 31, 2026 House Child Care Access & Early Childhood Senate Floor Amendment No. 1 - Child Care Access & Early Childhood - Recommends Be Adopted
Members

Yes · 9

No · 4

Not voting · 1

 Passed 9–4
May 31, 2026 House Child Care Access & Early Childhood Senate Floor Amendment No. 2 - Child Care Access & Early Childhood - Recommends Be Adopted
Members

Yes · 9

No · 4

Not voting · 1

 Passed 9–4

Sponsors

The member who introduced it, joined by 8 cosponsors: 8 Democrats.

All 8 cosponsors

From Illinois's official records (www.ilga.gov), checked Nov 13, 2026. Text links go to the official versions; LegiList does not copy bill text.