Liberty Mutual Pet Insurance Review 2024: Pros and Cons - NerdWallet (2024)

Liberty Mutual

Liberty Mutual Pet Insurance Review 2024: Pros and Cons - NerdWallet (1)

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on Money.com

NerdWallet rating

4.0/5
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on Money.com

Annual max coverage

$15,000

Reimbursem*nt rates

70%, 80%, 90%

Deductibles

$250, $500, $1,000

Policy highlight

Discount for existing Liberty Mutual customers.

Pros and cons

Pros

  • Three plans for pet owners to choose from.
  • Discounts for current customers, active military and veterans.
  • Covers behavioral therapy and alternative medicine.

Cons

  • Won’t pay your vet directly.
  • May not cover osteoarthritis.
  • No unlimited coverage option available.

About Liberty Mutual pet insurance

4.0

NerdWallet rating

Liberty Mutual earned 4 stars out of 5 for overall performance. Liberty Mutual pet insurance offers a wide range of coverage for cats and dogs, including an accident-only plan and a plan with wellness coverage. The company offers discounts for current Liberty Mutual customers and military veterans.

Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.

Pros

Three plans for pet owners to choose from.

Discounts for current customers, active military and veterans.

Covers behavioral therapy and alternative medicine.

Cons

Won’t pay your vet directly.

May not cover osteoarthritis.

No unlimited coverage option available.

» MORE: The best pet insurance companies

Plans and coverage

Liberty Mutual offers three plans for pet owners to choose from. To qualify for coverage with Liberty Mutual, your pet must have had a comprehensive vet examination within the last 12 months.

Accident-only

This plan will cover treatment related to sudden injuries and accidents, but not illness. Liberty Mutual’s accident-only plan covers:

  • Treatment for injuries.

  • Euthanasia and anesthesia when performed by a veterinarian for an injury.

  • Up to two treatments per year if your pet eats a foreign object.

  • Burial and cremation expenses.

Accident and illness

Liberty Mutual’s accident and illness plan covers everything the accident-only plan does, as well as:

  • Treatment for a covered illness.

  • Congenital health conditions, including hip dysplasia.

  • Behavioral therapy performed by a veterinarian (except in Florida and Alaska).

  • Alternative medicine like hydrotherapy and acupuncture (except in Florida and Alaska).

Accident, illness and wellness

The accident, illness and wellness plan includes everything the other two plans do, plus:

» 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.

  • Any condition that could have been prevented by sterilization.

  • Obesity that is not due to a medical condition.

  • Eye or ear issues related to age.

Liberty Mutual’s accident-only plan will not cover any illness-related care for your pet.

Coverage options

Deductibles: A pet insurance deductible is the amount you need to pay toward your vet bills before your insurer starts reimbursing you. Liberty Mutual offers three annual deductible options for its accident-only and accident and illness plans: $250, $500 or $1,000. If you purchase a plan that includes wellness coverage, no deductible is required for preventive care claims.

Reimbursem*nt amounts: Liberty Mutual pet insurance offers reimbursem*nt rates of 70%, 80% or 90%.

Coverage limits: Liberty Mutual has three coverage limit options: $5,000, $10,000 and $15,000.

Restrictions and waiting periods

Age restrictions: Liberty Mutual has no upper age limit for cats and dogs and allows you to insure your pet at 8 weeks.

Waiting periods: A waiting period is the time between when you buy your policy and when your coverage begins. Liberty Mutual policies have a 14-day waiting period for all claims, including wellness.

» MORE: Does pet insurance cover prescription food?

Sample rates

The cost of Liberty Mutual pet insurance depends on where you live, the coverage limits you choose and your pet’s breed and age.

To give you a rough idea of how much you might pay, we gathered sample rates for several popular dog breeds at ages 2 and 8. Rates below are sample monthly premiums for dogs living in Katy, Texas. Our sample plan was for accident and illness coverage with a $250 deductible, $5,000 of annual coverage and an 80% reimbursem*nt rate. Your own price will vary.

Breed

Age 2

Age 8

French bulldog

$61

$91

German shepherd

$58

$85

Golden retriever

$56

$82

Labrador retriever

$55

$79

Medium mixed-breed dog

$51

$72

Poodle

$56

$82

We also gathered rates for a variety of cat breeds with the same coverage limits as above. Rates below are sample monthly premiums for cats living in Katy, Texas.

Breed

Age 2

Age 8

Devon rex

$28

$40

Domestic shorthair

$28

$40

Exotic longhair

$28

$40

Maine coon

$28

$40

Persian

$28

$40

Ragdoll

$28

$40

» MORE: The best cheap pet insurance

Discounts

Liberty Mutual offers a discount for existing customers and military veterans. You can also get a multi-pet discount if you insure more than one furry friend.

State availability

Liberty Mutual pet insurance for cats and dogs is available in all 50 states and Washington, D.C.

Availability may change at any time. Coverage may not be available to all pets in a given state.

» MORE: Is pet insurance worth it?

Consumer experience

Website: Liberty Mutual’s website is easy to use and provides customers with sample policies and a thorough FAQ page. You can apply for a pet insurance policy right from the website.

Claims: You can file a claim via your online portal, by email or through the mail. On average, Liberty Mutual takes 10 business days to reimburse its customers once a claim is filed. For faster payment, pet owners can sign up for direct deposit.

Customer service: You can call Liberty Mutual customer service at 844-250-9199 or email [emailprotected].

» MORE: What does pet dental insurance cover?

The bottom line

Liberty Mutual offers a solid pet insurance plan that you can customize based on the coverage you want. It’s particularly worth considering for current Liberty Mutual customers, who can get a bundling discount.

Strengths: Discounts are available for military veterans and for those insuring multiple pets. In most states, plans cover alternative therapies such as acupuncture, chiropractic and physiotherapy.

Weaknesses: There’s no unlimited annual coverage option. The company also doesn’t have the ability to pay your vet directly.

Other pet insurance companies to consider

It’s important to shop around so that you can find the right coverage for your pet’s needs. Check out these other pet insurance options:

  • ASPCA.

  • Fetch.

  • ManyPets.

  • Prudent Pet.

» MORE: How much is pet insurance?

How we review pet insurance

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy to help you choose the financial products that work best for you. In our pet insurance reviews, we consider coverage, discounts, financial strength ratings from AM Best and more to determine our star ratings.

Our rating system rewards companies that cover a wide range of potential expenses, offer many ways to customize your plan and have a strong financial rating. Within the consumer experience category, we looked at features such as mobile app ratings and whether the company offers direct vet payments. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.

Dive deeper with our criteria for evaluating pet insurance companies.

Frequently asked questions

How much is Liberty Mutual pet insurance?

The cost of your insurance policy depends on many factors, including the age and size of your pet.

Does Liberty Mutual pet insurance cover dental care?

All Liberty Mutual plans cover damage caused to permanent teeth from an injury. However, only the accident, illness and wellness plan covers routine dental checkups or cleaning.

How do I cancel my Liberty Mutual pet insurance policy?

To cancel your policy, reach out to Liberty Mutual customer service at 800-290-8711 or [emailprotected].

Methodology

Pet insurance star ratings

NerdWallet’s pet insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, scope of coverage, the ability to customize your plan and more. Our “consumer experience” category looks at factors such as website transparency and mobile app ratings. To calculate each insurer’s star rating, we adjusted the scores to a curved 5-point scale. See our full pet insurance methodology.

These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Pet insurance sample rates

To find sample pet insurance rates, NerdWallet gathered quotes for the base level of accident and illness coverage on each insurer’s website. Quotes reflect the monthly cost of a policy and do not include wellness coverage or other optional add-ons. Each plan for a given company had the same deductible, coverage limit and reimbursem*nt rate for all sample pets.

These are sample rates gathered for specific pets living in Katy, Texas. Your own rates will be different.

Liberty Mutual Pet Insurance Review 2024: Pros and Cons - NerdWallet (2024)

FAQs

Liberty Mutual Pet Insurance Review 2024: Pros and Cons - NerdWallet? ›

Liberty Mutual earned 4 stars out of 5 for overall performance. Liberty Mutual pet insurance offers a wide range of coverage for cats and dogs, including an accident-only plan and a plan with wellness coverage. The company offers discounts for current Liberty Mutual customers and military veterans.

Is Liberty Mutual a good pet insurance? ›

Liberty Mutual Pet insurance is supported by one of the most established insurance companies in the US, and it is an excellent choice for those looking for stability and quality. It is also an affordable option for owners who are working on a tighter budget.

Is Liberty Mutual good at paying claims? ›

Liberty Mutual is a reliable company when it comes to paying claims. It holds an A financial strength rating from AM Best, which shows its ability to pay out claims to Liberty Mutual customers.

Do you think pet insurance is worth it? ›

Can you afford to pay that bill? If not, pet insurance might be worth considering. Pet insurance helps cover the cost of medical care for your furry friend. It can reimburse you for expenses like cancer treatment, emergency care, prescription medications and surgery.

Is Liberty Mutual an honest company? ›

Also, in a 2022 J.D. Power U.S. auto claims satisfaction study, the company ranked below the industry average. Liberty Mutual ranked below average for both trustworthiness and customer support in NerdWallet's survey of Liberty Mutual customers from June 2022.

What insurance companies are better than Liberty Mutual? ›

While both companies have good coverage options and reasonable rates, Progressive overtakes Liberty Mutual in overall coverage availability and customer satisfaction. Still, many drivers may find Liberty Mutual as a good option, so it may be worth getting a quote from the company while shopping.

What is the waiting period for Liberty Mutual pet insurance? ›

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.

How much should you spend on pet insurance dog? ›

Average Pet Insurance Cost

According to our research, pet insurance costs $720 a year for dogs and $384 for cats, with an overall average monthly cost of around $46 per month. To determine pricing, our team secret-shopped with 21 national pet insurance providers and gathered over 17,330 quotes in all 50 U.S. states.

What are the risks of pet insurance? ›

Cons
  • Pet insurance reimburses you for veterinary expenses, meaning you have to pay them upfront.
  • Pet insurance doesn't cover pre-existing conditions, meaning once your pet is sick, it's too late to sign up.
  • Not all health issues are covered by pet insurance.

Does pet insurance cost increase with age? ›

You can generally expect your pet's insurance coverage cost to increase each year, along with their age. Consider the following, which could help you offset the higher cost of insurance.

Why is Liberty Mutual so expensive? ›

Liberty Mutual is so expensive because of agent commissions and rising costs overall for insurance companies. At $1,090 per year, the average Liberty Mutual car insurance policy is a lot more expensive than the national average of $671 per year for a policy with minimum coverage.

Who is cheaper, Geico or Liberty Mutual? ›

Is Liberty Mutual cheaper than Geico? No, Liberty Mutual car insurance is not cheaper than Geico. A policy from Liberty Mutual costs 30% more than one from Geico, on average. In fact, Liberty Mutual is more expensive than many major insurers — a minimum-coverage policy costs 20% more than the national average.

Does Liberty Mutual raise rates after claim? ›

It all depends on the details of the accident, including the cost of damages and severity. One thing is for sure, without Accident Forgiveness, you can expect your rate to increase after if you're at fault.

Does Liberty Mutual pet insurance cover neutering? ›

Accident, Illness & Wellness coverage

Routine dental cleaning. Spaying/neutering. Flea and tick prevention. Heartworm tests and medication.

How do I get the best out of my pet insurance? ›

These three tips will ensure you get the best experience possible.
  1. Pay Upfront Treatment Costs On A Credit Card, And Pay It Off With Your Reimbursem*nt. ...
  2. Make Sure Your Vet Knows About Your Pet Insurance Coverage. ...
  3. Make Sure Your Policy Makes Sense For Your Breed, Location, Age, And Any Pre-Existing Conditions.

Does Liberty Mutual have dog breed restrictions? ›

Liberty Mutual

Bans purebred or mixes with Akita, chow, Doberman pinscher, pit bull, Presa Canario, rottweiler, Staffordshire bull terrier, wolf hybrid.

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