Liberty Mutual Pet Insurance Review 2025

About Liberty Mutual pet insurance

Liberty Mutual earned 4.5 stars out of 5 for overall performance.

Liberty Mutual offers a solid pet insurance plan that you can customize based on the coverage you want, including accident-only and wellness options. It’s particularly worth considering for current Liberty Mutual customers, who can get a bundling discount.

Savings are also 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.

However, the plans won’t meet all pet owners’ needs. You can’t choose unlimited annual coverage, and the company doesn’t offer the option to pay your vet directly.

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Liberty Mutual pet insurance 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:

• Spaying or neutering.

• Prescription medications.

• Flea and tick prevention.

• Heartworm tests and medication.

• Dietary food and supplements.

• Wellness exams.

• Dental cleaning.

• Vaccinations.

• Deworming.

Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.

» MORE: Complete guide to pet insurance coverage

What's not covered

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

Liberty Mutual 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 and $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.

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 of all ages. But animals under 8 weeks, dogs older than age 12 and cats older than age 14 at the time of enrollment may be eligible for accident coverage only.

Waiting periods: A pet insurance 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.

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Liberty Mutual pet insurance 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.

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.

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Liberty Mutual pet insurance 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.

» MORE: Is pet insurance worth it?

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.

Customer service: You can call Liberty Mutual customer service at 844-250-9199 or email service@pet.libertymutual.com.

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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:

• See all of NerdWallet’s pet insurance reviews

  AKC Allstate ASPCA Banfield Bivvy Chewy Costco Embrace Fetch Figo Geico Hartville Healthy Paws Kanguro Lemonade

  Liberty Mutual ManyPets MetLife Nationwide Paw Protect Pawp Petco Pets Best Progressive Prudent Pet Pumpkin Spot State Farm Trupanion Wagmo

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