Liberty Mutual pet insurance review 2025
Liberty Mutual pet insurance is worth considering for its excellent pricing and solid range of coverage. There is no special extended waiting period for certain conditions like cruciate ligament problems. Behavioral and alternative therapies are both covered, including physiotherapy, holistic and homeopathic therapies, hydrotherapy, and aromatherapy.
On the downside, the highest annual coverage option available is $15,000, compared to top competitors that offer unlimited annual caps. There's also no 24/7 helpline included — a common perk among most competitors.
Pros
Highly competitive pricing
Euthanasia, cremation, and burial are covered
Multi-pet discounts of 5% for two pets and 10% for three or more pets
Cons
Pets ages 13 and older will be offered only the accident-only plan
No coverage for prescription food (unless you buy the wellness plan)
No 24/7 vet helpline available
Requires a comprehensive physical exam of the pet within the last 12 months to buy a policy
Liberty Mutual pet insurance basics
Annual maximum limit choices: $5,000, $10,000, $15,000
Deductible choices: $250, $500, $1,000
Reimbursement choices: 70%, 80%, 90%
Liberty Mutual waiting periods
For accident coverage: 14 days
For illness coverage: 14 days
Special waiting period: None
Liberty Mutual age restrictions for buying a new policy
Minimum pet age: 8 weeks
Maximum pet age: None
Liberty Mutual sells an accident and illness plan, an accident-only option, and a wellness plan for routine care costs.
Liberty Mutual's policy provides a good selection of coverage, such as:
Vet exam fee
Hereditary conditions
Congenital conditions
Diagnostics such as X-rays
Cancer
Dental accidents
Behavioral therapy
Alternative therapy
End-of-life expenses such as euthanasia
Liberty Mutual's accident-only plan covers most of what is provided through its accident and illness policy:
Accidental injuries, including dental injuries
Cremation and burial expenses
Euthanasia and accidental death
Ingestion of objects
Liberty Mutual's wellness coverage includes the care costs listed above and provides up to $525 in total annual reimbursement for the following types of preventative care:
Check-ups
Dental cleaning
Deworming
Dietary food and supplements
Flea and tick prevention
Heartworm tests and medications
Prescription medications
Spaying and neutering
Vaccinations
No, Liberty Mutual does not cover preexisting conditions. A preexisting condition is defined as any illness or injury that occurred or existed — regardless of whether it was diagnosed — before the policy's effective date or during the waiting period.
Liberty Mutual's website doesn't mention access to a 24/7 vet helpline.
Liberty Mutual pet insurance has some exclusions as far as expenses go, such as:
Age-related changes to eyes and ears
Breeding and pregnancy
Experimental treatments
Injuries from intentional, neglectful, or preventable acts
Injuries from using your pet for commercial purposes or unlawful acts
Obesity (unless part of a medical condition)
Although you can request a change to your coverage at any time, here are the details:
For decreases: You must submit a written request.
For increases: The request must also be in writing and is subject to approval. Plus, you'll be subject to a new waiting period.
Price is one of the big selling points for Liberty Mutual pet insurance.
Liberty Mutual's pricing was 26% less than the average in our evaluation for pet insurance policies with $5,000 in annual coverage.
Liberty Mutual offers a 5% discount if you insure two pets and a 10% discount if you insure three or more pets.
No, you must pay your vet and submit a claim to be reimbursed. However, if you expect a large bill due to your pet's needs, you can contact Liberty Mutual in advance to ask if it will make a special arrangement to pay the vet directly.
Here's what to know about filing a claim with Liberty Mutual:
To make a claim: Submit a detailed invoice and a claim form by mail, email, or through the online customer portal. You must provide a payment receipt if you submit a handwritten invoice.
To submit claims quickly: Upload documents through your online account.
To receive reimbursements faster: Sign up to receive payments through direct deposit.
If your claim is denied: You can appeal the decision.
You must file a claim with Liberty Mutual within 90 days of treatment.
Liberty Mutual states that it takes an average of 10 days to process a claim.
Liberty Mutual, which offers a range of insurance products, has a mobile app that policyholders can use to submit and manage claims. However, it's not created specifically for pet insurance policyholders so it might be limited.
Liberty Mutual mobile app ratings:
App store: 4.8 out of 5 stars
Google Play store: 4.6 out of 5 stars
Liberty Mutual pet insurance is available for enrollment in all 50 states and the District of Columbia.
Yes, your pet must be examined by a veterinarian within 12 months before getting a policy.
You can contact Liberty Mutual by phone, email, and mail:
Call Liberty Mutual at 1-844-250-9199 from 8 a.m. to 9 p.m. ET Monday through Friday and 10 a.m. to 7 p.m. ET on Saturday.
The email address is service@pet.libertymutual.com.
The mailing address is Liberty Mutual, 175 Berkeley St., Boston, MA 02116.
You can cancel a policy at any time by sending Liberty Mutual a notice in writing. If you cancel within 10 days, you can receive a refund of your premium. If you cancel after 10 days, you'll be refunded on a pro-rated basis.
Jamie Young and Tim Manni edited this article.
We researched the coverage details and prices for 15 pet insurance plans. We then weighted categories, and each pet insurer was scored relative to the others to find the best pet insurance companies. Here are the factors we incorporated.
Coverage types: 40% of score. We examined the coverage provided by the base policy without the extra cost of add-ons. This encompassed coverage for alternative therapy, behavioral therapy, dental illness, euthanasia or end-of-life expenses, exotic pets, hereditary and congenital conditions, preexisting conditions, prescription food and supplements, veterinary exam fees, and advertising/reward for lost/stolen pets.
Average cost: 30% of score. We evaluated costs in five states for $5,000 and unlimited coverage for a mixed-breed dog (age 1), a French bulldog (age 5), and a Labrador retriever (age 8).
Unlimited coverage option: 10% of score. We gave points when pet insurers offered an unlimited annual limit (or a $100,000 limit), which gives pet owners the most robust financial protection possible in the event of a catastrophic pet medical issue.
Direct payments to the veterinarian: 5% of score. We gave points to pet insurers that state on their websites that they accommodate direct vet payments.
No special waiting periods for special conditions: 5% of score. We gave points when pet insurers have no waiting periods for special conditions, such as cruciate ligament conditions.
Routine wellness plan: 5% of score. Companies that offer a routine wellness plan in addition to pet insurance received points.
Multi-pet discount: 5% of score. We gave points when pet insurers offered a discount for insuring multiple pets.
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