HB3595 - 104th General Assembly (2025-2026)

INS CD-PET INSURANCE
Last Action
5/31/2026 - House: Passed Both Houses
Hearings
Child Care Accessibility & Early Childhood Education Hearing May 31 2026 11:00AM Capitol Building Room 118 Springfield, IL - Senate Floor Amendment 1 - Senate Floor Amendment 2
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 5/1  from 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:
215 ILCS 5/1  
Adds reference to:
5 ILCS 315/3  from Ch. 48, par. 1603
5 ILCS 315/7  from Ch. 48, par. 1607
5 ILCS 340/3  from Ch. 15, par. 503
20 ILCS 505/5  
20 ILCS 505/5a  from Ch. 23, par. 5005a
20 ILCS 505/5.15  
20 ILCS 505/21  
20 ILCS 505/22.1  from Ch. 23, par. 5022.1
20 ILCS 505/22.4  from Ch. 23, par. 5022.4
20 ILCS 605/605-1050  
20 ILCS 655/8  from Ch. 67 1/2, par. 612
20 ILCS 1305/1-75  
20 ILCS 1305/10-22  
20 ILCS 1705/57.5  
20 ILCS 3501/840-5  
20 ILCS 3510/2  from Ch. 111 1/2, par. 8102
30 ILCS 590/2  from Ch. 127, par. 3002
30 ILCS 590/3  from Ch. 127, par. 3003
30 ILCS 590/4  from Ch. 127, par. 3004
30 ILCS 590/5  from Ch. 127, par. 3005
35 ILCS 105/2c  from Ch. 120, par. 439.2c
35 ILCS 115/2c  from Ch. 120, par. 439.102c
35 ILCS 120/2h  from Ch. 120, par. 441h
50 ILCS 350/15  
55 ILCS 5/4-11001  from Ch. 34, par. 4-11001
55 ILCS 5/5-1097.5  
55 ILCS 5/5-12020  
55 ILCS 5/5-12024  
60 ILCS 1/85-13  
65 ILCS 5/8-3-18  
65 ILCS 5/11-5-1.5  
65 ILCS 5/11-21.5-5  
65 ILCS 5/11-74.4-3  from Ch. 24, par. 11-74.4-3
65 ILCS 5/11-80-15  from Ch. 24, par. 11-80-15
65 ILCS 115/10-8  
105 ILCS 5/2-3.66  from Ch. 122, par. 2-3.66
105 ILCS 5/10-22.18b  from Ch. 122, par. 10-22.18b
105 ILCS 5/10-22.18c  from Ch. 122, par. 10-22.18c
105 ILCS 5/34-18.4  from Ch. 122, par. 34-18.4
105 ILCS 10/2  from Ch. 122, par. 50-2
110 ILCS 305/1d  from Ch. 144, par. 22d
110 ILCS 520/8b.1  from Ch. 144, par. 658b.1
110 ILCS 660/5-95  
110 ILCS 665/10-95  
110 ILCS 670/15-95  
110 ILCS 675/20-95  
110 ILCS 680/25-95  
110 ILCS 685/30-95  
110 ILCS 690/35-95  
210 ILCS 3/35  
210 ILCS 46/1-114.001  
210 ILCS 47/1-114.001  
210 ILCS 85/6.13  from Ch. 111 1/2, par. 147.13
215 ILCS 5/155.31  
215 ILCS 5/1204  from Ch. 73, par. 1065.904
215 ILCS 5/1630  
220 ILCS 5/8-103B  
225 ILCS 10/2.09  
225 ILCS 10/2.11  from Ch. 23, par. 2212.11
225 ILCS 10/2.18  from Ch. 23, par. 2212.18
225 ILCS 10/2.20  from Ch. 23, par. 2212.20
225 ILCS 10/2.41 new  
225 ILCS 10/3  
225 ILCS 10/3.01  
225 ILCS 10/3.8  
225 ILCS 10/4  from Ch. 23, par. 2214
225 ILCS 10/4.01  
225 ILCS 10/4.1  from Ch. 23, par. 2214.1
225 ILCS 10/4.2  from Ch. 23, par. 2214.2
225 ILCS 10/4.2a  
225 ILCS 10/4.3  from Ch. 23, par. 2214.3
225 ILCS 10/4.3a  
225 ILCS 10/4.4  from Ch. 23, par. 2214.4
225 ILCS 10/4.4a  
225 ILCS 10/4.5  
225 ILCS 10/5  from Ch. 23, par. 2215
225 ILCS 10/5.01  
225 ILCS 10/5.1  
225 ILCS 10/5.1a  
225 ILCS 10/5.2  
225 ILCS 10/5.2a  
225 ILCS 10/5.3  
225 ILCS 10/5.5  
225 ILCS 10/5.6  
225 ILCS 10/5.8  
225 ILCS 10/5.9  
225 ILCS 10/5.10  
225 ILCS 10/5.11  
225 ILCS 10/5.12  
225 ILCS 10/6  from Ch. 23, par. 2216
225 ILCS 10/7  from Ch. 23, par. 2217
225 ILCS 10/7.10  
225 ILCS 10/8  from Ch. 23, par. 2218
225 ILCS 10/8.1  from Ch. 23, par. 2218.1
225 ILCS 10/8.2  from Ch. 23, par. 2218.2
225 ILCS 10/8.5  
225 ILCS 10/8a  
225 ILCS 10/8.1a  
225 ILCS 10/8.2a  
225 ILCS 10/8.6  
225 ILCS 10/9  from Ch. 23, par. 2219
225 ILCS 10/9.01  
225 ILCS 10/9.1c  
225 ILCS 10/9.2  
225 ILCS 10/10  from Ch. 23, par. 2220
225 ILCS 10/11.2  from Ch. 23, par. 2221.2
225 ILCS 10/11.3  
225 ILCS 10/12  from Ch. 23, par. 2222
225 ILCS 10/12.1  
225 ILCS 10/15  from Ch. 23, par. 2225
225 ILCS 10/15.1  
225 ILCS 10/18  from Ch. 23, par. 2228
225 ILCS 10/18.1  
225 ILCS 10/2.10 rep.  
225 ILCS 10/3.7 rep.  
225 ILCS 10/16.1 rep.  
225 ILCS 235/2  from Ch. 111 1/2, par. 2202
225 ILCS 235/3.03  from Ch. 111 1/2, par. 2203.03
225 ILCS 235/3.27  
225 ILCS 235/10.2  from Ch. 111 1/2, par. 2210.2
225 ILCS 235/10.3  
225 ILCS 235/21.1  from Ch. 111 1/2, par. 2221.1
235 ILCS 5/6-15  from Ch. 43, par. 130
305 ILCS 5/5-19  from Ch. 23, par. 5-19
305 ILCS 5/9-6  from Ch. 23, par. 9-6
305 ILCS 5/9A-7  from Ch. 23, par. 9A-7
305 ILCS 5/9A-11  from Ch. 23, par. 9A-11
325 ILCS 3/1-10  
325 ILCS 3/Art. 20 heading  
325 ILCS 3/20-10  
325 ILCS 3/20-15  
325 ILCS 3/20-20  
325 ILCS 3/20-25  
325 ILCS 3/20-35  
325 ILCS 5/2  from Ch. 23, par. 2052
325 ILCS 5/4  
325 ILCS 5/7.8  
325 ILCS 5/8.2  from Ch. 23, par. 2058.2
325 ILCS 5/11.1  from Ch. 23, par. 2061.1
325 ILCS 50/5  from Ch. 23, par. 2285
325 ILCS 85/95-10  
405 ILCS 5/1-111  from Ch. 91 1/2, par. 1-111
410 ILCS 27/5  
410 ILCS 45/7.1  from Ch. 111 1/2, par. 1307.1
410 ILCS 50/3.4  
410 ILCS 130/105  
410 ILCS 130/130  
410 ILCS 170/10  
410 ILCS 205/3  from Ch. 23, par. 2333
410 ILCS 625/3.06  
415 ILCS 5/17.12  
415 ILCS 65/2  from Ch. 5, par. 852
415 ILCS 65/3  from Ch. 5, par. 853
415 ILCS 65/6  from Ch. 5, par. 856
425 ILCS 65/9  from Ch. 127 1/2, par. 709
430 ILCS 68/5-20  
625 ILCS 5/6-205  
625 ILCS 5/6-206  
625 ILCS 5/12-707.01  from Ch. 95 1/2, par. 12-707.01
720 ILCS 5/2-5.1  
720 ILCS 5/2-5.2  
720 ILCS 5/2-8.1  
720 ILCS 5/2-12.1  
720 ILCS 5/11-0.1  
720 ILCS 5/11-9.3  
720 ILCS 5/11-24  
720 ILCS 5/18-1  from Ch. 38, par. 18-1
720 ILCS 5/19-1  from Ch. 38, par. 19-1
720 ILCS 5/48-1  was 720 ILCS 5/26-5
725 ILCS 5/112A-14.5  
725 ILCS 5/112A-14.7  
725 ILCS 5/112A-22  from Ch. 38, par. 112A-22
725 ILCS 207/40  
730 ILCS 5/3-2.5-95  
730 ILCS 5/3-3-7  from Ch. 38, par. 1003-3-7
730 ILCS 5/5-5-3.2  
740 ILCS 21/80  
740 ILCS 21/115  
740 ILCS 22/213  
750 ILCS 46/106  
750 ILCS 60/203  from Ch. 40, par. 2312-3
750 ILCS 60/222  from Ch. 40, par. 2312-22
775 ILCS 5/5-101  from Ch. 68, par. 5-101
820 ILCS 105/3  from Ch. 48, par. 1003
820 ILCS 182/10  
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
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
5/12/2026SenateAlternate Chief Sponsor Changed to Sen. Don Harmon
5/13/2026SenateApproved for Consideration Assignments
5/13/2026SenatePlaced on Calendar Order of 2nd Reading May 14, 2026
5/13/2026SenateSenate Floor Amendment No. 1 Filed with Secretary by Sen. Don Harmon
5/13/2026SenateSenate Floor Amendment No. 1 Referred to Assignments
5/13/2026SenateSenate Floor Amendment No. 1 Assignments Refers to Executive
5/13/2026SenateSenate Floor Amendment No. 1 Recommend Do Adopt Executive; 009-004-000
5/18/2026SenateSecond Reading
5/18/2026SenateSenate Floor Amendment No. 1 Adopted; Harmon
5/18/2026SenatePlaced on Calendar Order of 3rd Reading May 19, 2026
5/22/2026SenateRule 2-10 Third Reading Deadline Established As May 31, 2026
5/27/2026HouseAdded Chief Co-Sponsor Rep. Maura Hirschauer
5/29/2026SenateSenate Floor Amendment No. 2 Filed with Secretary by Sen. Julie A. Morrison
5/29/2026SenateSenate Floor Amendment No. 2 Referred to Assignments
5/29/2026HouseAdded Co-Sponsor Rep. Nicolle Grasse
5/29/2026HouseAdded Co-Sponsor Rep. Bob Morgan
5/29/2026HouseAdded Co-Sponsor Rep. Suzanne M. Ness
5/29/2026HouseAdded Co-Sponsor Rep. Laura Faver Dias
5/29/2026SenateAlternate Chief Sponsor Changed to Sen. Julie A. Morrison
5/29/2026SenateSenate Floor Amendment No. 2 Be Approved for Consideration Assignments
5/30/2026SenateRecalled to Second Reading
5/30/2026SenateSenate Floor Amendment No. 2 Adopted; Morrison
5/30/2026SenatePlaced on Calendar Order of 3rd Reading
5/30/2026SenateThird Reading - Passed; 050-007-000
5/30/2026HouseArrived in House
5/30/2026HousePlaced on Calendar Order of Concurrence Senate Amendment(s) 1, 2
5/30/2026HouseSenate Floor Amendment No. 1 Motion Filed Concur Rep. Joyce Mason
5/30/2026HouseSenate Floor Amendment No. 2 Motion Filed Concur Rep. Joyce Mason
5/30/2026HouseSenate Floor Amendment No. 1 Motion to Concur Referred to Rules Committee
5/30/2026HouseSenate Floor Amendment No. 2 Motion to Concur Referred to Rules Committee
5/30/2026HouseSenate Floor Amendment No. 1 Motion to Concur Rules Referred to Child Care Accessibility & Early Childhood Education
5/30/2026HouseSenate Floor Amendment No. 2 Motion to Concur Rules Referred to Child Care Accessibility & Early Childhood Education
5/31/2026HouseSenate Floor Amendment No. 1 Motion to Concur Recommends Be Adopted Child Care Accessibility & Early Childhood Education; 009-004-000
5/31/2026HouseSenate Floor Amendment No. 2 Motion to Concur Recommends Be Adopted Child Care Accessibility & Early Childhood Education; 009-004-000
5/31/2026HouseSenate Floor Amendment No. 1 House Concurs 080-033-000
5/31/2026HouseSenate Floor Amendment No. 2 House Concurs 080-033-000
5/31/2026HouseHouse Concurs
5/31/2026HousePassed Both Houses
5/31/2026HouseAdded Co-Sponsor Rep. Margaret A. DeLaRosa