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Liberty Mutual pet insurance review 2025
Liberty Mutual, founded in 1912, is a well-known name in the insurance world. This insurance company has extensive experience in providing Americans with auto, home and life insurance products. Since 2017, Liberty Mutual has extended its coverage to our furry family members through its pet insurance offerings.
To help you decide if Liberty Mutual is the right choice for protecting your pet’s health, the Bankrate team has researched its coverage options, policy perks, discounts and important exclusions. Whether you're looking for comprehensive accident and illness coverage or simply want peace of mind knowing unexpected vet bills are covered, we will guide you through the details of Liberty Mutual’s pet insurance plans.
Liberty Mutual
Summary
Annual deductible options: $250, $500 or $1,500
Reimbursement percentage: 70, 80 or 90 percent
Annual limit: $5,000, $10,000 or $15,000
Claim turnaround time: 10 business days
Enrollment age: Liberty Mutual's site is unclear about the minimum age for enrollment. There seems to be no upper age limit for new policy applications.
Direct vet pay: No
Liberty Mutual coverage options
Liberty Mutual pet insurance provides coverage for accidents, illnesses and routine care, depending on which of the three policies you select.
Liberty Mutual plans and customizations
Liberty Mutual offers three customizable pet insurance plans, allowing you to choose the coverage and reimbursement levels that best fit your pet's needs and your budget. Here are some of the major features.
Accident-only coverage
The accident-only plan is ideal for pet owners looking for a basic, low-cost option to protect against unexpected accidents. This plan covers veterinary expenses resulting from:
- Accidental injuries (including injuries to permanent teeth)
- Cremation and burial expenses
- Euthanasia or anesthesia
- Ingestion of a foreign object (a maximum of two treatments per policy year)
Accident and illness coverage
This policy is suitable for pet owners seeking more comprehensive coverage. The accident and illness policy applies to everything covered by the accident-only policy, as well as:
- Alternative medicine
- Behavioral therapy
- Hereditary and congenital conditions
- Illnesses (e.g., cancer, influenza and kennel cough)
Accident, illness and wellness coverage
The accident, illness and wellness plan is ideal for pet owners who want to ensure their pets receive regular preventive care to maintain overall health. This plan includes coverage for everything in the accident and illness policy, as well as for the following routine expenses up to a scheduled amount per year:
- Boosters and vaccinations: $50
- Dietary food and supplements: $50
- Heartworm tests and medication: $25
- Intestinal deworming or parasite removal: $25
- Parasite prevention (flea and tick): $50
- Perscribed medications: $50
- Routine dental cleaning: $100
- Spaying/neutering: $100
- Wellness exams: $50
Customizable options
Liberty Mutual’s three plans are customizable, allowing pet owners to choose from different coverage limits, deductibles and reimbursement percentages to tailor their policy to their specific financial situation and their pet's needs:
- Coverage limits: Pet owners can choose from three annual coverage limits, ranging from $5,000 to $15,000, depending on their needs and budget.
- Deductibles: Liberty Mutual offers flexible deductible options ($250, $500 or $1500), allowing policyholders to select how much they pay out of pocket. Higher deductibles generally result in lower monthly premiums.
- Reimbursement rates: Policyholders can choose their reimbursement rate, with options from 70 percent to 90 percent of covered expenses. Higher reimbursement rates result in higher premiums but lower out-of-pocket costs when you file a claim.
Pros and cons
Pros
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Accidental death benefit: If your beloved pet passes away or is euthanized due to an injury, Liberty Mutual provides an accidental death benefit. This payout is exempt from your policy’s deductibles and co-pays.
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Comprehensive coverage options: Liberty Mutual offers three plans covering accidents, illnesses and routine wellness visits. Pet owners can choose the coverage that best suits their needs.
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Customizable plans: Pet owners can tailor their plans by selecting different coverage limits, deductibles and reimbursement levels, providing flexibility to fit various budgets.
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Discounts: Liberty Mutual offers discounts for current customers as well as for multi-pet families and military personnel.
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No admin fees: Liberty Mutual does not add transaction or monthly administration fees to policy premiums.
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Short orthopedic waiting period: The 14-day waiting period for accidents and injuries pertains to cruciate ligament tears and various orthopedic conditions. This is shorter than the average six months that many other insurance providers require.
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Well-established provider: With Liberty Mutual, a company with over a century of experience in the insurance industry, pet owners can trust the stability and reliability of their pet insurance plans.
Cons
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Long accident waiting period: Liberty Mutual’s accident waiting period is 14 days, which is comparatively long.
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No unlimited coverage: The highest annual limit available is $15,000. This may be a bit low for some pet owners. Many insurance providers offer higher limits and even unlimited coverage.
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Vet exam required: Pet owners must include documentation of a comprehensive health examination by a licensed veterinarian with their policy application.
Additional features of Liberty Mutual
In addition to its core coverage options, Liberty Mutual pet insurance offers additional features that enhance the value and convenience of its policies.
Multiple discounts
Liberty Mutual offers several discounts to help reduce your pet insurance premiums:
- Active and veteran military personnel discount
- Multi-pet discount: 5 percent off per policy for two pets and 10 percent off per policy for three or more pets
- Discount for current Liberty Mutual customers
Pet parents can combine these discounts for a total savings of up to 20 percent.
Customer portal
Customers can easily manage their pet insurance accounts online with Liberty Mutual’s customer portal. The portal allows you to:
- File claims
- Update billing information
- View claims status and claims history
- Preview and download policy documents
Exclusions and restrictions
Like most pet insurance providers, Liberty Mutual Pet Insurance has certain exclusions and restrictions that pet owners should be aware of when selecting a policy.
These exclusions typically include pre-existing conditions (any health issues your pet had before the policy start date) and certain hereditary or congenital conditions. There may also be restrictions on coverage for specific breeds prone to certain conditions.
Age restrictions
You can enroll your puppies and kittens with Liberty Mutual pet insurance from as young as eight weeks old. There is no automatic policy termination when your furry friend ages. However, new policy restrictions apply for dogs older than 12 years and cats older than 14 years.
Waiting periods
Liberty Mutual’s waiting period for coverage for accidents, illness or wellness claims is 14 days after your policy is issued.
Maine residents have the added benefit of accident coverage starting immediately. Maine policyholders can also choose to waive the illness waiting period by completing a waiver form and having their pet undergo a comprehensive medical exam.
Location restrictions
You may take your pet to any veterinarian, emergency clinic or specialist in the U.S., including your preferred vet. However, coverage for alternative medicine and behavior therapy is not available for pets residing in Alaska and Florida.
How much does Liberty Mutual cost?
These sample quotes show how policy costs vary. Getting personalized quotes will give you a more accurate idea of your policy cost.
| Breed | 2 years old | 5 years old | 8 years old | 10 years old |
|---|---|---|---|---|
|
*Sample policies were for a female dog with excellent health in Arizona with the ZIP code 85251. The choices for customization selected were for an accident and illness plan with a $250 deductible, 90 percent reimbursement limit and $5,000 annual benefit limit. Quotes are rounded to the nearest dollar.The rates listed are for illustrative purposes only. You should contact the company directly for applicable quotes. |
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| French bulldog | $87 | $102 | $129 | $159 |
| Labrador retriever | $78 | $91 | $113 | $138 |
| Golden retriever | $78 | $94 | $117 | $143 |
| German shepherd | $82 | $97 | $121 | $148 |
| Poodle | $80 | $94 | $117 | $143 |
| Dachshund | $76 | $88 | $109 | $132 |
| Breed | 2 years old | 5 years old | 8 years old | 10 years old |
|---|---|---|---|---|
|
*Sample policies were for a male cat with excellent health in Arizona with the ZIP code 85251. The choices for customization selected were for an accident and illness plan with a $250 deductible, 90 percent reimbursement limit and $5,000 annual benefit limit. Quotes are rounded to the nearest dollar.The rates listed are for illustrative purposes only. You should contact the company directly for applicable quotes. Rates were last gathered December 19, 2024. |
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| Ragdoll | $40 | $45 | $57 | $69 |
| Maine coon | $40 | $45 | $57 | $69 |
| Persian | $40 | $45 | $57 | $69 |
| Exotic | $40 | $45 | $57 | $69 |
| Devon rex | $40 | $45 | $57 | $69 |
| British shorthair | $40 | $45 | $57 | $69 |
How to file a claim with Liberty Mutual
Filing a claim with Liberty Mutual Pet Insurance is designed to be a straightforward process. Take the following steps to ensure your claim is processed quickly:
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Visit the veterinarian: After your pet receives treatment, ensure you obtain a detailed invoice from the veterinarian. This should include itemized services, the cost of each service and any relevant medical records.
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Complete the claim form: Log in to the customer portal to fill out the claim form. The form requires details about your pet, the treatment received and the amount billed.
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Submit your claim: Submit your completed claim form and the veterinary invoice within 90 days of the first applicable treatment date. You can submit through the online portal, email or traditional mail. To avoid delays, ensure that you include all the necessary documentation.
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Claim review: Once you've submitted your claim, Liberty Mutual's claims team will review the information provided. This process typically involves verifying the treatment details and ensuring that the services rendered are covered under your policy.
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Reimbursement: After the claims team approves your claim, Liberty Mutual will process the reimbursement according to your policy's terms. Payment is made by direct deposit or a mailed check, typically within 10 business days.
Frequently asked questions
Methodology
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