Liberty Mutual Pet Insurance, a trusted name in the insurance industry since 1912, offers a variety of insurance products, including auto, home, and life coverage. Since 2017, Liberty Mutual has expanded its services to include pet insurance, providing financial protection for pet owners facing unexpected veterinary expenses. In this review, we will break down the key coverage options, costs, pros and cons, and additional features of Liberty Mutual’s pet insurance to help you determine if it’s the right fit for your furry companion.
Liberty Mutual Pet Insurance Overview
Rating: 4.6/5 stars
Annual deductible options: $250, $500, or $1,500
Reimbursement percentage: 70%, 80%, or 90%
Annual limit: $5,000, $10,000, or $15,000
Claim turnaround time: 10 business days
Enrollment age: No clearly stated minimum age; no upper age limit
Direct vet pay: No
Liberty Mutual Pet Insurance Coverage Options
Liberty Mutual provides pet owners with three main insurance plans, covering accidents, illnesses, and routine care, depending on the selected policy.
What’s Covered?
- Accidental injuries (including damage to permanent teeth)
- Alternative medicine
- Behavioral therapy
- Cremation and burial expenses (accidents only)
- Hereditary and congenital conditions
- Illnesses such as cancer, influenza, and kennel cough
- Ingestion of foreign objects (up to two treatments per policy year)
- Routine care (only under the wellness plan):
- Vaccinations and boosters
- Prescription medications
- Heartworm prevention and tests
- Routine dental cleanings
- Spaying/neutering
- Wellness exams
What’s Not Covered?
- Breeding and pregnancy-related conditions
- Experimental treatments
- Hip dysplasia
- Alternative therapies (e.g., hydrotherapy, acupuncture)
- Injuries due to commercial use of pets (excluding service animals)
- Organ and tissue transplants
- Pre-existing conditions
Liberty Mutual Pet Insurance Plans and Customization
Liberty Mutual allows pet owners to choose from three coverage plans:
1. Accident-Only Plan
A basic, affordable plan covering:
- Accidental injuries (e.g., broken bones, lacerations)
- Euthanasia due to accidents
- Foreign object ingestion (up to two treatments per year)
2. Accident and Illness Plan
Comprehensive coverage including:
- Everything in the Accident-Only Plan
- Alternative medicine
- Behavioral therapy
- Hereditary and congenital conditions
- Common illnesses like cancer and kennel cough
3. Accident, Illness, and Wellness Plan
Includes all benefits from the Accident and Illness Plan plus routine wellness care:
- Vaccinations ($50 per year)
- Dental cleaning ($100 per year)
- Spaying/neutering ($100 per year)
- Parasite prevention ($50 per year)
Customizable Options:
- Annual limits: Choose from $5,000, $10,000, or $15,000.
- Deductibles: Select from $250, $500, or $1,500 to manage out-of-pocket expenses.
- Reimbursement rates: Pick between 70%, 80%, or 90% reimbursement levels.
Pros and Cons of Liberty Mutual Pet Insurance
Pros:
✔ Accidental death benefit provided (exempt from deductibles)
✔ Comprehensive coverage options available
✔ No transaction or administrative fees
✔ Discounts for multi-pet families, military personnel, and Liberty Mutual customers
✔ Short orthopedic waiting period (14 days compared to 6 months with other insurers)
✔ Reliable provider with over a century of experience
Cons:
✘ Long accident waiting period (14 days, whereas some competitors offer 2-5 days)
✘ No unlimited coverage (max annual limit is $15,000)
✘ Vet exam required at enrollment
Discounts and Additional Features of Liberty Mutual Pet Insurance
- Multi-pet discount: 5% for two pets, 10% for three or more pets
- Military discount: Available for active and veteran personnel
- Customer discount: Liberty Mutual policyholders receive special pricing
- Online customer portal: Manage claims, view policy details, and update billing
Exclusions and Restrictions of Liberty Mutual Pet Insurance
- Pre-existing conditions: Not covered, as with most pet insurance providers
- Age restrictions: Dogs older than 12 and cats older than 14 may have policy limitations
- Waiting periods: 14 days for accidents and illnesses (Maine residents have immediate accident coverage)
- Location restrictions: Alternative medicine and behavioral therapy are not covered in Alaska and Florida
Cost Estimates of Liberty Mutual Pet Insurance
Sample monthly premiums for a 2-year-old pet with a $250 deductible, 90% reimbursement, and a $5,000 annual limit (Arizona ZIP code 85251):
Dogs:
- French Bulldog: $87
- Labrador Retriever: $78
- Golden Retriever: $78
- German Shepherd: $82
- Poodle: $80
Cats:
- Ragdoll: $40
- Maine Coon: $40
- Persian: $40
- British Shorthair: $40
Rates are for illustrative purposes only. Contact Liberty Mutual for a personalized quote.
How to File a Claim for Liberty Mutual Pet Insurance
- Visit the veterinarian and obtain an itemized invoice.
- Log in to the Liberty Mutual portal and complete the claim form.
- Submit your claim online, via email, or by mail within 90 days.
- Claim review process: Takes about 10 business days.
- Reimbursement issued via direct deposit or check.
Frequently Asked Questions
Does Liberty Mutual raise rates as pets age?
Yes, premiums may increase as pets get older due to the likelihood of health issues.
Does Liberty Mutual cover dental care?
Yes, but only for accident- or illness-related treatments. Routine cleanings are covered under the wellness plan.
Final Verdict on Liberty Mutual Pet Insurance
Liberty Mutual Pet Insurance is a strong choice for pet owners looking for a customizable and reliable pet insurance provider. It offers solid coverage, various discount opportunities, and a user-friendly claims process. However, its 14-day accident waiting period and lack of unlimited coverage may be drawbacks for some pet owners. If you’re already a Liberty Mutual customer or seeking a well-established insurer with flexible policy options, this plan is worth considering.
Best For: Pet owners who want flexible coverage from a reputable company.
Not Ideal For: Pet owners looking for unlimited coverage or shorter accident waiting periods.
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