Liberty Mutual Pet Insurance Review 2024

Liberty Mutual offers three plans with varying levels of coverage for cats and dogs.
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Liberty Mutual

Liberty Mutual Pet Insurance
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NerdWallet rating 

4.0

/5
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on Money.com

Annual max coverage

$15,000

Reimbursement rates

70%, 80%, 90%

Deductibles

$250, $500, $1,000

Policy highlight

Discount for existing Liberty Mutual customers.

Pros

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

Cons

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

Liberty Mutual offers three plans to choose from to help you customize your coverage.

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 in most states.

Cons

Won’t pay your vet directly.

May not cover osteoarthritis.

No unlimited coverage option available.

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 or 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 illnesses, such as cancer or kennel cough.

  • 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:

  • Prescription medications.

  • Flea and tick prevention.

  • Dietary food and supplements.

  • Wellness exams.

  • Dental cleaning.

  • Vaccinations.

  • Deworming.

What’s not covered

Depending on your state, Liberty Mutual’s pet insurance may not cover:

  • 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.

Plan 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.

Reimbursement amounts: Liberty Mutual pet insurance offers reimbursement rates of 70%, 80% or 90%.

Liberty Mutual’s method of calculating its claim reimbursement is more generous than that of some other insurers. It applies the deductible to your vet bill first, then your reimbursement rate. Say you have a $2,000 vet bill, an 80% reimbursement rate and a $500 deductible. Here’s how Liberty Mutual would likely calculate your payout:

  • $2,000 vet bill - $500 deductible = $1,500.

  • $1,500 x 0.8 (80% reimbursement rate) = $1,200 total reimbursement.

You’d cover the remaining $800 of the vet bill.

Did you know...

Companies that apply your reimbursement rate first would pay only $1,100 of this claim. Here’s the math:

  • $2,000 vet bill x 0.8 (80% reimbursement rate) = $1,600.

  • $1,600 - $500 deductible = $1,100.

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

Restrictions and waiting periods

Age restrictions: Liberty Mutual allows you to insure pets as young as 8 weeks. You can enroll dogs up to age 12 and cats up to age 14.

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.

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 quotes 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% reimbursement 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

Discounts

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

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 [email protected].

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 veterans, active members of the military and 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:

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

The cost of your insurance policy depends on many factors, including the age and size of your pet. In our sample quotes, we found rates starting at $51 per month for dogs and $28 per month for cats.

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.

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

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 reimbursement rate for all sample pets.

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

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