Liberty Mutual Pet Insurance Review 2025
NerdWallet rating: 4.5/5
Liberty Mutual offers pet owners three distinct plans, each designed to cater to different needs and budgets. The plans include accident-only and wellness options, allowing customers to personalize their coverage. This review examines the plans, costs, and customer experience.
Overview
- Annual Max Coverage: Up to $15,000
- Reimbursement Rates: 70%, 80%, or 90%
- Deductibles: $250, $500, or $1,000
- Policy Highlight: Discounts available for existing Liberty Mutual customers.
Pros:
- Offers three plan options to improve customer customization.
- Customers can seek discounts if they have an existing policy with Liberty Mutual.
- Provides coverage for behavioral therapy and alternative medicine in most states.
Cons:
- Does not provide direct payment to veterinarians.
- May not cover osteoarthritis.
- Doesn’t offer an unlimited coverage option.
Who Is Liberty Mutual Pet Insurance Best For?
Pet owners who are already Liberty Mutual policyholders, seeking a bundling discount, may find Liberty Mutual pet insurance to be a good option. This insurance is available in all 50 states and Washington, D.C.
About Liberty Mutual Pet Insurance
Liberty Mutual earned a 4.5-star rating from NerdWallet for its overall performance. The company provides a flexible pet insurance plan, allowing customers to choose based on their particular health needs. This may make the insurance an excellent option for those already insured with Liberty Mutual, who can obtain a bundling discount. Additional savings are also provided to veterans, active military members, and those with multiple pets.
While Liberty Mutual’s plans offer flexibility, there are some limitations. For those seeking an unlimited annual coverage plan, this is not an option. Additionally, the company does not offer the option for direct payments to your veterinarian.
» MORE: The best pet insurance companies
Liberty Mutual Pet Insurance Plans and Coverage
Liberty Mutual requires a comprehensive vet examination within the last 12 months to qualify. The company offers three plans:
Accident-Only
This plan covers treatment for injuries and accidents but does not include coverage for illnesses. The plan includes:
- Treatment for injuries.
- Euthanasia or anesthesia when a veterinarian performs it for an injury.
- Up to two treatments per year for foreign object ingestion.
- Burial and cremation expenses.
Accident and Illness
The accident and illness plan covers everything in the accident-only plan, as well as:
- Treatment for illnesses, such as cancer or kennel cough.
- Congenital health conditions, including hip dysplasia.
- Behavioral therapy performed by a veterinarian (excluding Florida and Alaska).
- Alternative medicine, such as hydrotherapy and acupuncture (excluding Florida and Alaska).
Accident, Illness, and Wellness
This plan includes all the features of the other two plans, plus:
- Spaying or neutering.
- Prescription medications.
- Flea and tick prevention.
- Heartworm tests and medication.
- Dietary food and supplements.
- Wellness exams.
- Dental cleaning.
- Vaccinations.
- Deworming.
Note: Coverage options and availability may vary based on your location, and the age and breed of your pet.
» MORE: Complete guide to pet insurance coverage
What’s Not Covered
Depending on your state, Liberty Mutual’s pet insurance may not cover:
- Pre-existing conditions.
- Breeding.
- Osteoarthritis.
- Conditions that could have been prevented with sterilization.
- Obesity that is not medically related.
- Eye or ear issues linked to age.
The accident-only plan does not include illness-related care.
Liberty Mutual Plan Options
Deductibles
A pet insurance deductible is what you must pay toward your vet bills before your insurer starts reimbursing you. Liberty Mutual has three annual deductible options for its accident-only and accident and illness plans: $250, $500, and $1,000. No deductible is needed for preventive care claims if you have a plan that includes wellness coverage.
Reimbursement Amounts
Liberty Mutual pet insurance offers reimbursement rates of 70%, 80%, or 90%. Liberty Mutual’s method of calculating its claim reimbursement is more advantageous than some other insurers, applying the deductible to the vet bill first, followed by the reimbursement rate. For example, a vet bill of $2,000, an 80% reimbursement rate, and a $500 deductible would be calculated as follows:
- $2,000 vet bill – $500 deductible = $1,500.
- $1,500 x 0.8 (80% reimbursement rate) = $1,200 total reimbursement.
- You would cover the remaining $800 of the vet bill.
For the same scenario, a company that applies the reimbursement rate first would pay only $1,100 of this claim. The math would look like this:
- $2,000 vet bill x 0.8 (80% reimbursement rate) = $1,600.
- $1,600 – $500 deductible = $1,100.
Coverage Limits
Liberty Mutual offers three coverage limits: $5,000, $10,000, and $15,000.
Restrictions and Waiting Periods
Age Restrictions
Liberty Mutual insurance is available to pets of all ages, but animals under 8 weeks, dogs older than age 12, and cats older than age 14 may only qualify for accident coverage.
Waiting Periods
All Liberty Mutual policies have a 14-day waiting period for claims, including wellness.
» MORE: Does pet insurance cover prescription food?
Liberty Mutual Pet Insurance Sample Rates
The cost of Liberty Mutual pet insurance fluctuates depending on your location, coverage limits, and your pet’s breed and age. Here are some sample monthly premium rates for dogs living in Katy, Texas, with accident and illness coverage, a $250 deductible, $5,000 annual coverage, and an 80% reimbursement rate:
Dog Breeds
For cats living in Katy, Texas, with the same coverage limits, the sample monthly premiums are:
Cat Breeds
» MORE: The best cheap pet insurance
Liberty Mutual Pet Insurance Discounts
Liberty Mutual offers discounts for existing customers, veterans, and active military personnel. A multi-pet discount is also available.
State Availability
Pet insurance for cats and dogs from Liberty Mutual is accessible in all 50 states and Washington, D.C. However, availability may change at any time.
» MORE: Is pet insurance worth it?
Consumer Experience
- Website: Liberty Mutual’s comprehensive and user-friendly website provides sample policies and a thorough FAQ section. You can apply for a policy directly online.
- Claims: File claims through your online portal, by email, or by mail. Typically, it takes Liberty Mutual 10 business days to reimburse its customers with an approved claim.
- Customer Service: Contact Liberty Mutual customer service at 844-250-9199 or email [email protected].
» MORE: What does pet dental insurance cover?
Other Pet Insurance Companies to Consider
It is important to compare several insurance plans to find the right coverage for your pet. Consider these companies:
- AKC
- Allstate
- ASPCA
- Banfield
- Bivvy
- Chewy
- Costco
- Embrace
- Fetch
- Figo
- Geico
- Hartville
- Healthy Paws
- Kanguro
- Lemonade
- Liberty Mutual
- ManyPets
- MetLife
- Nationwide
- Paw Protect
- Pawp
- Petco
- Pets Best
- Progressive
- Prudent Pet
- Pumpkin
- Spot
- State Farm
- Trupanion
- Wagmo
» MORE: How much is pet insurance?
How We Review Pet Insurance
NerdWallet uses strict editorial guidelines, ensuring fairness and accuracy to help you choose financial products. In their pet insurance reviews, they assess coverage, discounts, financial strength ratings, and more to determine star ratings.
In the evaluation, analysts:
- Analyzed 2,100 data points.
- Obtained more than 1,200 quotes.
- Compared plans from over 25 companies.
The rating system rewards companies that cover a variety of potential expenses, offer flexible plan customization options, and have a strong financial rating. The consumer experience category takes into consideration features like mobile app ratings and whether the company provides direct vet payments. To calculate each insurer’s rating, NerdWallet adjusts the scores to a curved 5-point scale.
MORE: Dive deeper with our criteria for evaluating pet insurance companies.
Frequently Asked Questions
- How much is Liberty Mutual pet insurance? The cost varies depending on the age and size of your pet. Sample quotes start at $51 per month for dogs and $28 per month for cats.
- Does Liberty Mutual pet insurance cover dental care? Damage caused to permanent teeth from an injury is covered under all plans, but only the accident, illness, and wellness plan includes routine dental checkups or cleaning.
- How do I cancel my Liberty Mutual pet insurance policy? You can cancel by contacting Liberty Mutual customer service at 800-290-8711 or [email protected].
Pet Insurance Star Ratings
NerdWallet’s pet insurance ratings reward companies for customer-first features and practices. These ratings are based on a weighted average of scores in several categories, including financial strength, scope of coverage, and the ability to personalize your plan. The consumer experience category looks at website transparency as well as mobile app ratings. To calculate each insurer’s star rating, they adjusted the scores on a curved 5-point scale.
These ratings are a guide, but NerdWallet encourages consumers to shop around and compare multiple insurance quotes to find the best rates for you. NerdWallet does not receive compensation for any reviews.
Read our editorial guidelines.
About the Author:
Sarah Schlichter Lead Writer & Content Strategist
