Liberty Mutual Pet Insurance Review (2023)

Pet insurance can help cover veterinary costs and provide peace of mind if your pet has an emergency or becomes seriously ill. In this Liberty Mutual pet insurance review, see how you can customize pet insurance coverage to meet your pet’s needs and budget.

We at Guides Home team researched coverage options, collected sample quotes and examined hundreds of customer reviews to make our decision. Top pet insurance companies. Read on to learn more about your coverage options with Liberty Mutual pet insurance.

With over 100 years in the insurance industry, Liberty Mutual Pet Insurance is a great choice if you value stability and quality. Liberty Mutual is one of the largest property and casualty insurers in the country, selling renters and home insurance, auto insurance and life insurance since 1912. The Boston-based company added pet insurance to its U.S. fire policies written in 2007. Insurance company.

With Liberty Mutual, you can choose from accident-only, accident and disease, and optional health coverage for your pet. In addition, Liberty Mutual customers with multiple pets may receive discounts that can be arranged to lower monthly premiums.

Liberty Mutual offers three Types of pet insurance plans. The basic plan is the cheapest option and covers only accidents, while the accident and illness plan covers veterinary services if your pet is injured or ill. You can add health coverage to your accident and illness plan, which covers routine care services like physical exams and dental cleanings.

Disaster plan

The accident plan is the most affordable option for Liberty Mutual pet coverage. Although it does not provide sickness coverage, it includes the following.

• Accidental injuries including damage to permanent teeth
• Anesthesia for emergency procedures
• Eating a foreign body (maximum of two treatments during the instruction period)
• Accidental death, cremation and burial expenses
• Euthanasia (if related to a covered accident)

Accident and sickness plan

Accident and Illness Plans cover diseases that are included in an accident plan and such as cancer, influenza, kennel cough and more. Coverage includes:

• Risk and disease related treatments
• Alternative therapies and medicines (such as acupuncture and hydrotherapy)
• Behavioral therapy
• Hereditary conditions
• Congenital conditions (such as hip dysplasia)

Accident, sickness and health plan

The Accident, Sickness and Health plan offers the most comprehensive coverage – but it’s expensive. This plan covers what is included in the Accident and Illness Plan and the regular health care services below.

• Routine Health Exams ($50)
• Intestinal Parasite Treatment ($25)
• Vaccines ($50)
• Regular teeth cleaning ($100)
• Spaying or Touching ($100)
• Flea and Tick Prevention ($50)
• Heartworm Test ($25)
• Fecal Examination ($25)
• Prescription drugs ($50)
• Dietary and Vitamin Supplements ($50)

As you can see, each policy includes a benefit limit or the amount Liberty Mutual will cover for each service. The company will pay you 100% of the pet’s treatment fee for each limit mentioned.

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Liberty Mutual offers several options for policy deductibles, premium rates and annual coverage limits.

Reduced options

Before Liberty Mutual will cover your pet’s medical expenses, you must pay an annual deductible out of pocket. The lower your deductible, the higher your monthly premium costs.

Liberty Mutual pet insurance policyholders can choose from the following deductible options: $250, $500 or $1,000.

If you purchase a pet health insurance plan that includes wellness coverage, no deductible is required to file a preventive care claim.

Return rates

Your payout rate is a percentage of the claim that Liberty Mutual pays after you reach your deductible. Liberty Mutual offers the following payout rate options: 70%, 80% or 90%.

So if you have a $250 deductible and an 80% return rate, Liberty Mutual will cover 80% of your pet bills after you reach the $250 deductible.

Annual limit options

Your annual limit is the maximum dollar amount Liberty Mutual will pay you each year. Liberty Mutual’s annual limit options are $5,000, $10,000 or $15,000. As with other insurance products, a higher annual limit can increase your monthly premium.

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Exclusions are exceptions or conditions not covered by an insurance plan. The following services are not covered by Liberty Mutual pet insurance.

• Pre-existing conditions
• Pregnancy and pregnancy-related care and expenses
• Transplantation of organs and tissues
• Experimental treatments
• Hereditary and congenital conditions (excluded from accident-only coverage)

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Most pet insurance companies It requires waiting times Before new policyholders begin the claims process. Liberty Mutual considers any pet health condition that arises during your waiting period as pre-existing, and does not cover treatment.

Liberty Mutual extends the 14-day waiting period on all its plans. This includes accidents, illnesses and preventive care. Conversely, most pet insurers require a short or no waiting period for accident coverage.

Here is the average monthly cost for Liberty Mutual’s risk-only plan, based on sample quotes we collected. $23.21 per month for adult dogs And $10.68 for adult cats. Accident and sickness plan costs $59.09 per month for dogs And $28.67 for cats. The most comprehensive coverage – the accident, illness and health plan – costs around $91.39 per month for dogs And $59.56 for cats.

The correct one The cost of pet insurance It depends on your pet’s age, breed and location. For more specific insurance rates, we recommend you get a quote from Liberty Mutual.

Offers and discounts

Liberty Mutual offers several discounts to pet insurance policyholders, including:

• Multiple policies include homeowners insurance, auto insurance, or other independent joint coverage
• Multi-pet coverage for more than one pet
• Active or retired military veterans

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We looked at hundreds of customer reviews to understand the experience as a Liberty Mutual policyholder. Liberty Mutual has A+ rating With the Better Business Bureau (BBB) ​​until April 2023. But it doesn’t have the best ratings for customer service – the company holds 1.1 out of 5 stars on the BBB website.

While happy customers report positive customer service experiences, other policyholders complain about the quality of support they receive. Note that the above ratings and the following reviews are for Liberty Mutual as a company, not as a pet insurance company.

“Very competitive price on premium. I received quality, honest and professional service.– Carol S. Through the BBB

“There is my experience with Liberty Mutual. [gone] Exceptionally good. My claims adjuster handled my claim professionally, quickly and efficiently, making the claims process a positive experience. It was a pleasure to work with her. “– Will M via BBB

“I wish I could marry Zero. [stars]. My insurance policy increased and I got one for more than half [Liberty Mutual] It’s filling up. I call to cancel and instead of transferring you to a representative, the automated system gives you the call center hours, it’s off and on.-Latoya M. through the BBB

“[Liberty Mutual} has terrible customer service, does not call or email you back and are beyond rude when you finally do hear from [a representative]He said.– Olivia J via BBB

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Liberty Mutual pet insurance is available in all 50 US states.

If you’re a current and satisfied Liberty Mutual customer, you can add pet insurance at a discounted rate with a company you know and trust. But new customers can take advantage of Liberty Mutual’s customizable pet insurance benefits and affordable plan options. With three plans to choose from – including comprehensive accident, illness and health cover – Liberty Mutual offers pet insurance to cover your pet’s emergency and regular needs.

Visit the Liberty Mutual website Get a free quote And decide if this provider is right for you and your pets. If you are on a budget, you can check it out Our guide to the cheapest pet insurance For more affordable policies.

Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, mystery shopping quotes and shopping processes, talking to representatives over the phone to evaluate customer service experiences, and examining 1,000 dogs and cats. Pet insurance coverage for owners nationwide to determine the most important factors.

Based on those elements, we scored each provider on a 100-point scale. We divided this final score by 20 to calculate the overall star rating out of 5.0 stars.

Here are more details about each condition and how it is measured:

• Monthly cost (25 points) The best pet insurance companies combine comprehensive coverage and plan options at affordable prices.
• Plans (15 points) The major pet insurance companies offer accident-and-sickness plans, accident-only plans, and wellness or preventive care add-ons, giving customers the option to choose the plan that’s best for their pets.
• Covered Treatments (15 points) Based on the treatments and procedures we cover companies. Companies with a wide range of covered treatments and specialty coverage earned more points than providers with more standard or comprehensive policies.
• Customization options (10 points) Providers with more annual-limit, deductible, and payment-rate options received the highest scores.
• Customer Care (10 points) We score companies on the accessibility and overall usability of their websites, customer service offerings, mobile applications (if available), money-back guarantees and veterinary options, providing insurers with additional customer experience offerings.
• Industry reputation (10 points) We reviewed current ratings and certification information from the Better Business Bureau (BBB) ​​and ranked companies based on years of experience in the industry and state presence.
• Waiting time (10 points) Companies with shorter accident, pain, and bone waiting times between enrollment and coverage start date scored higher than companies with longer waiting times.
• Acceptable age (5 points) Some companies do not offer policies for pets over a certain age. We have deducted points from providers with age restrictions for covered pets.

To help us determine the best pet insurance companies in the industry, we use our ranking system to compare and contrast each company against major factors. Read our to learn more Complete pet insurance policy To evaluate and score suppliers.

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Angela Beal, DVM She loves using her writing to help pet owners take the best possible care of their furry companions. Angela worked in private practice and taught veterinary technicians for 15 years. As of 2020, she has worked full-time with Rumpus Writing and Editing, a veterinary-specific writing and editing firm. Angela lives in Columbus, Ohio with her husband, two sons, and their spoiled chihuahua mix, Yogi.

Tori Addison He is an editor with more than five years of experience in the digital marketing industry. She has worked in communications and marketing in the non-profit, government and academic sectors. A journalist by trade, she began her career covering politics and news in New York’s Hudson Valley. Her work includes local and state budgets, federal financial regulations and health care legislation.