Liberty Mutual Pet Insurance Review 2024

Liberty Mutual offers two types of pet insurance policies for cats and dogs: accident and illness plans and accident-only plans. Pet owners who select the accident and illness plan can add wellness coverage, which helps cover expenses like routine annual exams and flea and tick prevention.

Pet Accident and Illness Insurance

Liberty Mutual’s accident and illness plan covers vet-related expenses, including:

• Accidental injuries such as broken bones, damaged teeth and torn ligaments
• Accidental death
• Illnesses such as cancer, ear infections and kennel cough
• Alternative medicine and therapy, like acupuncture and chiropractic care (except in Alaska and Florida)
• Behavioral therapy
• Diagnostic testing such as blood tests and X-rays
• Euthansauia, burial or cremation costs due to an accident
• Hereditary conditions such as blood disorders and hip dysplasia
• Hospitalizations
• Ingestion of a foreign object
• Physical rehabilitation
• Prescription medication

Pet Accident-Only Insurance

Liberty Mutual also offers an accident-only plan that strictly covers expenses related to injuries like broken bones or the pet’s ingestion of a foreign object (up to two treatments per year). It also covers expenses such as anesthesia, euthanasia, burial and cremation expenses due to an accident.

Liberty Mutual allows customers to add wellness coverage to an accident and illness plan. Its wellness coverage reimburses you (up to a fixed amount) for following expenses:

• Boosters and vaccinations
• Dietary food and supplements
• Flea and tick prevention
• Heartworm tests and medication
• Intestinal deworming
• Prescription medications
• Routine dental cleaning
• Spaying/neutering
• Wellness exams

Liberty Mutual pet insurance excludes coverage for problems such as:

• Breeding or birth-related expenses
• Congenital or inherited conditions
• Experimental or investigational treatments
• Hip dysplasia
• Injuries or illnesses resulting from intentional, neglect, preventable or unlawful
• acts by you, a member of your household or your family
• Injuries or illnesses resulting from use of your pet for professional or commercial service (except for service dogs)
• Pre-existing conditions
• Prostheses
• Organ or tissue transplants
• Wellness related expenses, unless you purchase wellness coverage

What’s covered by your policy depends on your state. For example, alternative medicine and behavior therapy for pets is not covered in Alaska or Florida.

Pet insurance companies have what is known as a waiting period—a specific amount of time before your coverage begins after you buy a policy.

Liberty Mutual has a 14-day waiting period for accidents and illness. If you are a Maine resident, there is no accident waiting period and you’ll have the option to waive the illness waiting period if you have your pet examined by a licensed veterinarian.

While the 14-day waiting period for illness is average across the industry, you can find shorter waiting periods for accidents. For example, Embrace pet insurance kicks in at 12:01 a.m. ET the day after you purchase a policy.

Liberty Mutual does not have an extended waiting period for certain conditions, like cruciate ligament damage. Some pet insurance companies have extended waiting periods. For example, Embrace has a six-month waiting period for canine orthopedic conditions.

Maximum Annual Limit Options

Pet insurance companies commonly apply annual coverage limits that cap the amount of vet expenses they will reimburse you for annually. Lower annual coverage limits usually cost less.

Liberty Mutual offers these annual coverage limits:

• $5,000
• $10,000
• $15,000

Deductible Options

The amount you’ll need to pay toward vet bills before your coverage kicks in is your deductible. Liberty Mutual has these options:

• $250
• $500
• $1,000

Reimbursement Portion

You’ll pay up front for your pet’s vet bills and submit a claim for reimbursement for problems covered by your policy. You can select a reimbursement level of:

• 70%
• 80%
• 90%

Pet insurance from Liberty Mutual costs an average of about $50 a month, according to Liberty Mutual’s website. Your Liberty Mutual pet insurance cost may depend on factors such as:

• The type of plan you choose
• Annual coverage limit
• Deductible amount
• Reimbursement level
• Where you live

Liberty Mutual offers a 5% multipet discount for insuring two pets or a 10% multipet discount for insuring three or more pets. Liberty Mutual pet insurance is limited to cats and dogs.

You can also save up to 20% on pet insurance by stacking other Liberty Mutual discounts, including:

• Active or retired military discount
• Affinity partner discount
• Bundling pet insurance with other policies, such as Liberty Mutual car insurance or home insurance

Liberty Mutual sells pet insurance in all 50 states, including Washington, D.C.

Company	Company - Logo	Forbes Advisor Rating	Forbes Advisor Rating	Reimbursement Choices	Deductible Choices	Learn More CTA text	Learn more CTA below text	Learn More
Pets Best		5.0		70%, 80%, 90%	$50, $100, $200, $250, $500, $1,000	Compare Plans
Embrace		4.5		70%, 80%, 90%	$100, $250, $500, $750, $1,000	Compare Plans
Paw Protect		4.5		70%, 80%, 90%	$100, $250, $500	Compare Plans
Fetch		4.0		70%, 80%, 90%	$300, $500, $700	Compare Plans
Figo		4.0		70%, 80%, 90%, 100%	$100, $250, $500, $750, $1,000, $1,500	Compare Plans
Healthy Paws		4.0		50%, 60%, 70%, 80%, 90%	$100, $250, $500, $750, $1,000	Compare Plans
Lemonade		4.0		70%, 80%, 90%	$100, $250, $500, $750	Compare Plans
Spot		4.0		70%, 80%, 90%	$100, $250, $500, $750, $1,000	Compare Plans

Reimbursement and deductible choices may vary by state.

Not all pet insurers have the same waiting periods or offer the same benefits, such as optional wellness plans and access to a 24/7 vet helpline. As you shop for a pet insurance plan and compare pet insurance quotes, it’s a good idea to assess the types of benefits each company offers so you can choose the best fit for your needs.

Liberty Mutual Pet Insurance vs. Healthy Paws Pet Insurance

Rating and coverage details	Liberty Mutual pet insurance	Healthy Paws pet insurance
Accident coverage waiting period	14 days	15 days
Illness coverage waiting period	14 days	15 days
Special waiting periods	None	12 months for hip dysplasia; coverage for hip dysplasia not available for pets age six or older at time of enrollment
Pays for the vet exam fee?	Yes	No
Optional wellness plan available?	Yes	No
24/7 vet helpline available?	Yes	Yes

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Liberty Mutual Pet Insurance vs. Pets Best Pet Insurance

Rating and coverage details	Liberty Mutual pet insurance	Pets Best pet insurance
Accident coverage waiting period	14 days	3 days
Illness coverage waiting period	14 days	14 days
Special waiting periods	None	6 months for cruciate ligaments, 14 days for hip dysplasia
Pays for the vet exam fee?	Yes	Included
Optional wellness plan available?	Yes	Yes
24/7 vet helpline available?	No	Yes

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Liberty Mutual Pet Insurance vs. Spot Pet Insurance

Rating and coverage details	Liberty Mutual pet insurance	Spot pet insurance
Accident coverage waiting period	14 days	14 days
Illness coverage waiting period	14 days	14 days
Special waiting periods	None	None
Pays for the vet exam fee?	Yes	Yes
Optional wellness plan available?	Yes	Yes
24/7 vet helpline available?	No	Yes

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Liberty Mutual Pet Insurance vs. Trupanion Pet Insurance

Rating and coverage details	Liberty Mutual pet insurance	Trupanion pet insurance
Accident coverage waiting period	14 days	5 days
Illness coverage waiting period	14 days	30 days
Special waiting periods	None	None
Pays for the vet exam fee?	Yes	No
Optional wellness plan available?	Yes	No
24/7 vet helpline available?	No	No

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To cancel a Liberty Mutual Pet insurance policy, contact Liberty Mutual:

Phone: (844) 250-9199
Email: service@pet.libertymutual.com

Liberty Mutual was founded in 1912 as a workers compensation insurance company and started selling auto insurance in 1918. The company is headquartered in Boston, Massachusetts and sells insurance in 29 countries.

Pet insurance policies are underwritten by Liberty Mutual Fire Insurance Co. and affiliates and administered by PTZ Insurance Agency.