Our Take on Liberty Mutual Pet Insurance
With over 100 years in the insurance industry, Liberty Mutual pet insurance is a good choice if you value stability and quality. Liberty Mutual is one of the largest property and casualty insurers in the country, selling renters and home insurance, car insurance and life insurance since 1912. The Boston-based company added pet insurance to its offerings in 2007 with policies underwritten by the United States Fire Insurance Company.
With Liberty Mutual, you can choose from accident-only, accident and illness and optional wellness coverage for your pet. Plus, existing Liberty Mutual customers with multiple pets can receive stackable discounts to lower monthly premiums.
Pros and Cons of Liberty Mutual Pet Insurance
Compare Liberty Mutual to Other Top Pet Insurance Companies
Use the table below to compare Liberty Mutual’s costs and waiting periods to other pet insurance providers:
*Lemonade may offer shorter waiting periods depending on where you live.
What Does Liberty Mutual Pet Insurance Cover?
Liberty Mutual offers three types of pet insurance plans. Its base plan is the least expensive option and covers accidents only, whereas the accident and illness plan covers veterinary services if your pet gets hurt or becomes sick. You can add wellness coverage to an accident and illness plan, which covers routine care services like physical examinations and dental cleanings up to a fixed amount.
Accident Plan
The accident plan is the most affordable option for Liberty Mutual pet coverage. While it does not offer illness coverage, it includes the following:
- Accidental injuries, including damage to permanent teeth
- Anesthesia for emergency procedures
- Foreign body ingestion (maximum of two treatments per policy term)
- Accidental death, cremation and burial expenses
- Euthanasia (if related to a covered accident)
Accident and Illness Plan
The accident and illness plan covers everything that’s included in the accident plan plus illnesses like cancer, influenza, kennel cough and more. Coverage includes the following:
- Treatments related to accidents and illnesses
- Alternative therapies and medicine (such as acupuncture and hydrotherapy)
- Behavioral therapy
- Hereditary conditions
- Congenital conditions (like hip dysplasia)
Accident, Illness and Wellness Plan
The accident, illness and wellness plan provides the most comprehensive coverage — but it’s also the most expensive. This plan covers everything included in the accident and illness plan, plus the below routine wellness care services.
- Routine wellness exams ($50)
- Intestinal parasite treatment ($25)
- Vaccinations ($50)
- Routine dental cleaning ($100)
- Spaying or neutering ($100)
- Flea and tick prevention ($50)
- Heartworm test ($25)
- Fecal examination ($25)
- Prescription medications ($50)
- Food and vitamin supplements ($50)
As you may notice, each procedure includes a benefit limit or the amount Liberty Mutual will cover for each service. The company will reimburse you for 100% of pet medical bill costs up to each indicated limit.
What Are Liberty Mutual Pet Insurance Coverage Levels?
Liberty Mutual offers several options for policy deductibles, reimbursement rates and annual coverage limits, which you can customize to fit your budget.
Deductible Options
An annual deductible is what you have to pay out of pocket before Liberty Mutual will cover your pet’s medical expenses. The lower your deductible, the higher your monthly premium cost.
Liberty Mutual pet insurance policyholders can choose from the following deductible options: $250, $500 or $1,000.
If you purchase a pet health insurance plan that includes wellness coverage, no deductible is required to file a preventive care claim.
Reimbursement Rates
Your reimbursement rate is the percentage of a submitted claim that Liberty Mutual will pay after you reach your deductible. Liberty Mutual offers the following reimbursement rate options: 70%, 80% or 90%.
So if you have a $250 deductible and an 80% reimbursement rate, Liberty Mutual will cover 80% of your submitted vet bills after you reach your $250 deductible.
Annual Limit Options
Your annual limit is the maximum dollar amount that Liberty Mutual will reimburse you each year. Liberty Mutual’s annual limit options are $5,000, $10,000 or $15,000. Like with other insurance products, a higher annual limit can increase your monthly premium.
Are There Exclusions for Liberty Mutual Pet Insurance?
Exclusions are specific situations or conditions that are not covered by an insurance plan. The following services are not covered by Liberty Mutual pet insurance:
- Pre-existing conditions
- Breeding and pregnancy-related care and expenses
- Organ and tissue transplants
- Experimental treatments
- Hereditary and congenital conditions (only excluded from accident-only coverage)
What Are The Liberty Mutual Pet Insurance Waiting Periods?
Most pet insurance companies require waiting periods before new policyholders can start the claims process. Liberty Mutual will consider any pet health conditions that arise during your waiting period as pre-existing, and it will not cover treatment.
Liberty Mutual extends a 14-day waiting period across all its plans. This includes accidents, illnesses and preventative care. On the contrary, most pet insurance providers require shorter or no waiting periods for accident coverage.
What Is The Cost of Liberty Mutual Pet Insurance?
Based on sample quotes we gathered, the average monthly cost for a Liberty Mutual accident-only plan is $23.21 per month for adult dogs and $10.68 for adult cats. An accident and illness plan costs around $59.09 per month for dogs and $28.67 for cats. The most comprehensive coverage — the accident, illness and wellness plan — costs around $91.39 per month for dogs and $59.56 for cats.
The exact cost of pet insurance will depend on your pet’s age, breed and location. We recommend you get a quote from Liberty Mutual for more specific insurance rates.
Discounts and Deals
Liberty Mutual offers multiple discounts for pet insurance policyholders, including:
- Multi-policy bundling with homeowners insurance, auto insurance or other Liberty Mutual coverage
- Multi-pet coverage for more than one pet
- Active or retired military veterans
What Customers Saying About Liberty Mutual Pet Insurance?
We have looked into hundreds of customer reviews to help you understand the experience as a Liberty Mutual policyholder. Liberty Mutual has an A+ rating with the Better Business Bureau (BBB) as of April 2023. However, it does not have the best ratings in terms of customer service — the company holds 1.1 out of 5 stars on the BBB website.
While satisfied customers reported positive customer service experiences, other policyholders complained about the quality of support they received. Note that the above ratings and following reviews are for Liberty Mutual as a company, not specifically its pet insurance.
“Very competitive pricing on premiums. I have received quality, honest and professional service.”—Carol S. via the BBB
“My experience with Liberty Mutual has [gone] exceptionally well. My claims adjuster handled my claim professionally, promptly and efficiently, making the claims process a positive experience. It was a pleasure to work with her.”—Will M. via the BBB
“I wish I could score zero [stars]. My insurance policy increased and I found one for half of what [Liberty Mutual] is charging. I called to cancel and instead of transferring you to a representative, the automated system gives you the call center hours, says it is closed and hangs up.”—LaToya M. via the BBB
“[Liberty Mutual} has terrible customer service, does not call or email you back and are beyond rude when you finally do hear from [a representative].”—Olivia J. via the BBB
Where Is Liberty Mutual Pet Insurance Availabile?
Liberty Mutual pet insurance is available in all 50 U.S. states.
Is Liberty Mutual Pet Insurance Best for Your Pet?
If you are a current and satisfied Liberty Mutual customer, you can add pet insurance at a discounted rate with a company you know and trust. But new customers can also take advantage of Liberty Mutual’s customizable pet insurance benefits and affordable plan options. With three plans to choose from — including comprehensive accident, illness and wellness coverage — Liberty Mutual offers pet insurance to cover your animal’s emergency and routine needs.
Visit Liberty Mutual’s website to get a free quote and decide if this provider is right for you and your pet. If you are on a budget, you can check out our guide to the cheapest pet insurance for more affordable policies.
Frequently Asked Questions About Liberty Mutual Pet Insurance
When deciding on pet insurance, you should consider each company’s coverage options, cost and customer reviews. Pet insurance is worth the investment if you want coverage for your pet in the event of an emergency. And current Liberty Mutual customers can take advantage of multi-policy discounts to lower pet insurance costs.
Liberty Mutual has no upper age limit for cats and dogs, meaning it will not deny enrollment once your pet hits a certain age. The company sells policies to cover pets starting at eight weeks or older.
Liberty Mutual is a good choice for older dogs due to its lack of age restrictions. You can enroll your pet in coverage at any age, and the company will not terminate your pet insurance policy due to your dog’s old age.