Liberty Mutual Pet Insurance Review

Liberty Mutual offers three plans with varying levels of coverage for cats and dogs.
Ciarra Jones
By Ciarra Jones 
Edited by Caitlin Constantine

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NerdWallet rating 

Plans offered: Accident-only; accident and illness; and accident, illness and wellness.

Breadth of coverage: Good.

Range of plan options: Average.

Can pay your vet directly: No.

The bottom line: Liberty Mutual pet insurance offers a wide breadth of coverage for cats and dogs, but it won’t cover any pre-existing conditions.

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. In our pet insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:

Plans offered. Pet insurance companies generally offer the following three types of plans:

  • Accident and illness policies reimburse you for medical treatment if your pet gets sick or injured.

  • Accident-only policies pay expenses if your pet is injured.

  • Wellness plans help you budget for preventive care costs.

Breadth of coverage. We looked for plans that cover a wide range of potential expenses.

Range of plan options. This category looks at how many ways you can customize what you pay for your plan and how you’re reimbursed.

Can pay your vet directly. This indicates whether an insurer can pay your vet directly for medical expenses. With this service, you don’t have to pay the money yourself upfront and then wait for reimbursement.

Dive deeper with our criteria for evaluating pet insurance companies.

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.

Liberty Mutual won’t cover any pre-existing conditions, but all of its plans cover sudden dental trauma.


NerdWallet rating 

Liberty Mutual earned 4 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, coverage options and financial strength ratings.



Three plans for pet owners to choose from.

Won’t pay your vet directly.

Discounts for current customers and military veterans.

No coverage for pre-existing conditions.

Quick claims processing time.

State availability

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

Liberty Mutual pet insurance plans

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.


This plan will cover treatment related to sudden injuries and accidents, including damage to permanent teeth and anesthesia if an emergency procedure is required. However, it won’t cover your pet for illness.

Accident and illness

Liberty Mutual’s accident and illness plan includes coverage for cancer treatment and alternative medicine like acupuncture and hydrotherapy.

Accident, illness and wellness

This plan covers everything that the accident and illness plan does, plus wellness exams, heartworm medication, vaccinations and other types of preventive care.

What Liberty Mutual pet insurance covers

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 for the ingestion of a foreign body.

  • Burial and cremation expenses.

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

  • Treatment for a covered illness.

  • Anesthesia.

  • Congenital health conditions, including hip dysplasia.

  • Behavioral therapy when performed by a veterinarian.

  • Alternative medicine like hydrotherapy and acupuncture. (Alternative medicine is not covered in Florida or Alaska.)

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

  • Spaying and neutering.

  • Prescription medications.

  • Flea and tick prevention.

  • Dietary food and supplements.

What’s not covered

Depending on your state, Liberty Mutual’s pet insurance does 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 your pet for any illness-related care.

Liberty Mutual coverage options

Deductibles: Liberty Mutual offers three deductible options: $250, $500 or $1,000. Under the accident-only and accident and illness plans, you must reach your annual deductible before you can be reimbursed for your pet’s care. If you purchase a plan that includes wellness coverage, no deductible is required for preventive care claims.

Reimbursement amounts: Liberty Mutual pet insurance offers reimbursement 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: All policies are subject to a 14-day waiting period once issued.


Liberty Mutual offers a discount for existing customers and military veterans.

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.

App: Liberty Mutual’s app is on both Android and iOS. The app is rated above 4 stars on both platforms.

Claims: You can file a claim online or through mail. You may not be able to file a claim through the app. On average, Liberty Mutual takes 10 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 contact Liberty Mutual customer service at 800-295-2820.

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:

Frequently asked questions

The cost of your insurance policy depends on many factors, including the age and size of your pet. However, the accident-only plan can start as low as $21 per month.

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.

To cancel your policy, call Liberty Mutual customer service at 800-290-8711.


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, coverage, plan options, discounts and more. Our “consumer experience” category looks at factors such as website transparency and how easy it is to file a claim. To calculate each insurer’s 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.

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