Liberty Mutual Pet Insurance Review
Liberty Mutual offers three customizable pet insurance plans with various coverage options and discounts for existing customers, veterans, and active military personnel. The plans include accident-only, accident and illness, and a comprehensive wellness coverage option.
Coverage Options
- Accident-Only Plan: Covers treatment for injuries, euthanasia, and burial expenses.
- Accident and Illness Plan: Includes coverage for illnesses like cancer, congenital conditions, and behavioral therapy.
- Accident, Illness, and Wellness Plan: Adds coverage for preventive care such as vaccinations, dental cleaning, and flea prevention.
Key Features
- Reimbursement Rates: 70%, 80%, or 90%
- Deductibles: $250, $500, or $1,000
- Annual Coverage Limits: $5,000, $10,000, or $15,000
- Discounts: Available for existing Liberty Mutual customers, multi-pet owners, veterans, and active military
Pros and Cons
Pros:
- Three plans to choose from
- Discounts for current customers and military personnel
- Covers alternative therapies like acupuncture and hydrotherapy
Cons:
- No direct payment to vets
- No unlimited coverage option
- May not cover osteoarthritis
Cost
The cost varies based on pet age, breed, location, and chosen coverage. Sample monthly premiums for dogs in Katy, Texas, range from $51 to $91, and for cats, from $28 to $40.
Customer Experience
- Website: Easy to use with sample policies and FAQs
- Claims: Can be filed online, by email, or mail; average processing time is 10 business days
- Customer Service: Available by phone at 844-250-9199 or email at [email protected]
Conclusion
Liberty Mutual pet insurance is a solid choice for those seeking customizable coverage, especially for existing Liberty Mutual customers who can benefit from bundling discounts. However, it may not suit all pet owners due to limitations like no direct vet payments and no unlimited coverage option.
