For over a century, Liberty Mutual has been present on the American insurance scene providing property and casualty insurance policies to thousands of citizens across the country.
Since its foundation in 1912, the company has managed to become the fifth largest in its field of expertise. Only recently, in 2017, Liberty Mutual has expanded its horizons and included pet insurance services among its many similar products.
While their newest addition – the pet insurance features – are primarily targeted at their existing policyholders, we discovered that Liberty Mutual’s pet coverage could be a suitable option for a much larger group of pet owners.
To learn why we came to that conclusion, follow through with this Liberty Mutual pet insurance review to the very end. You might discover that Liberty Mutual is the perfect match for you and your pet too.
Liberty Mutual’s Pros & Cons
| Pros | Cons |
|---|---|
| Fast claim processing – the majority of claims are processed within 10 days or less. | A thorough veterinary exam is required prior to enrolling with Liberty Mutual. |
| The coverage can be used with any licensed veterinarian in the country. | A waiting period is imposed for the pet wellness care coverage -14 days. |
| Coverage for bilateral conditions is included. | No 30-day money-back guarantee. |
| Coverage for euthanasia, cremation, or burial. | |
| Coverage for alternative therapies and behavioral treatments. | |
| Affordable premiums for the accident-only plan. | |
| No age restrictions for cats or dogs. | |
| 5%-10% multi-pet discount. |
Liberty Mutual’s Key Attributes
- Underwriter: Liberty Mutual Insurance Company
- AM Best Rating: A
- BBB Rating: B
- Exam period: Pet insurance companies are usually divided when it comes to requiring their customers to provide a certification that their pet has been thoroughly examined by a licensed veterinarian prior to applying for their pet insurance policies. Liberty Mutual falls within the group that requires this certificate. After you register with them, they will request you to submit your pet’s veterinary exam report obtained within 12 months before your registration application.
- Increase in monthly premium: There is no clear information on Liberty Mutual’s website or within their sample policies whether they increase their monthly premiums over time and by how much. Nevertheless, we advise you to be prepared for an increase in your monthly premium on your policy renewal date. This is a common practice of pet insurance providers as they try to keep up with the veterinary costs of your pet. With age, cats and dogs require more medical attention and inflation is always there to force price raises of veterinary services as well.
- Claim submission time limit: You have 90 days from the moment of your pet’s veterinary visit or treatment at most to submit a claim with Liberty Mutual. After this period, Liberty Mutual may deny your claim at their discretion.
- Claim processing times: As soon as you submit your claim, Liberty Mutual claim specialists start working on processing it as soon as possible. On average, it would take about 10 days for your claim to be fully processed so that your reimbursement payment can move forward. You can track your claim processing status at any time in Liberty Mutual’s customer portal, but they will also send you email notifications with every progress of your claim process.
- Waiting periods: This aspect of Liberty Mutual’s pet insurance solution isn’t something they can brag about. A big chunk of the pet insurance industry has their waiting periods set at a lower timeframe than what Liberty Mutual imposes. This pet insurer has all of their waiting periods set at 14 days, even those for accidents coverage and pet wellness care coverage. Almost all pet insurance providers don’t impose a waiting period for wellness procedures.
- Accidents – 14 days;
- Illnesses – 14 days;
- Wellness – 14 days;
- Orthopedic conditions – 14 days.
- Pet insurance coverage with Liberty Mutual is valid with any licensed veterinarian, specialty vet clinic, or emergency vet clinic in the US. All of Liberty Mutual’s pet coverage is available to all members anywhere in the country except for residents of Florida and Alaska. Liberty Mutual members from these two states can’t use the coverage for behavioral therapies and alternative medicine. Because of this inconvenience, policyholders of these two states have cheaper monthly premiums to reflect the amount of coverage they receive.
- Bilateral conditions aren’t excluded from Liberty Mutual’s pet coverage policies. This is a huge advantage because most companies exclude coverage for illnesses and injuries that usually affect both sides of a pet’s body – if one side of their body has been affected prior to getting a pet insurance policy, the other side won’t be covered by said policy as well.
Liberty Mutual’s Insurance Plans
No pet insurance plan out there is truly perfect. And that seems to be the case with Liberty Mutual coverage plans.
While the company is great for purrfectly covering an excessive amount of injuries and illnesses – even benefits that a huge part of the industry omits from their policies, Liberty Mutual has a few exclusions as well. But, let’s review how they compose their pet insurance plans first, and then we’ll go over their coverage and exclusions.
Liberty Mutual offers three types of pet insurance coverage – accident-only coverage, accident and illness coverage, and accident, illness and wellness coverage. Consequently, they named their three plans in a similar fashion.
There’s the Accident plan covering accidents only, the Accident & Illness plan that includes coverage for illnesses and other disorders too, and the Accident, Illness & Wellness plan that provides the same coverage as the second plan but extends to covering routine and preventative treatments as well.
All of the claim benefit conditions and limitations are the same for all three plans. Each of them possesses the standard flexibility of offering up to three available choices for the annual deductible, annual claim benefit maximum, and reimbursement level.
You can review those below:
- Annual claim benefits maximum: $5,000, $10,000, and $15,000;
- Annual deductible: $250, $500, and $1,000;
- Reimbursement percentage: 70%, 80%, and 90%.
That entails that, to be reimbursed with your preferred amount, you’d have to participate with your share of the bargain. Your out-of-pocket expenses (copayment) will amount to 10%, 20%, or 30% of your vet bills, depending on which reimbursement level you choose.
Then there are the waiting periods. They’re all the same no matter what type of coverage is in question. Whether your pet needs to use treatment for an accident or an illness, or you want to schedule a wellness appointment, you’d need to wait 14 days before you can do so. Otherwise, Liberty Mutual won’t cover the costs of your vet visits.
We love that Liberty Mutual doesn’t restrict pets due to their age. As soon as your pup or kitten becomes 8 weeks old, you can sign them up with Liberty Mutual. The upper age limit is non-existent, even 20+-year-old pets can get pet coverage through this provider. And no matter how old they are when they get it, Liberty Mutual won’t drop them from their coverage on the basis of their age.
What’s more, with Liberty Mutual, any licensed vet in the country can become your trusted friend. They don’t have a network of providers and you can even use their coverage with emergency and specialized licensed veterinarians.
What’s Covered With a Liberty Mutual Policy
It’s time we tackle everything that the three Liberty Mutual pet insurance plans offer.
Let’s start by saying that, no matter which plan you’ll decide to go for, you should rest knowing they’re all packed with the most awesome coverage a few other companies include in their plans without upselling additional features for an extra fee.
Liberty Mutual Accident Plan
Liberty Mutual’s first pet coverage plan provides protection against the towering costs of veterinary services for accidents and injuries. Sometimes, pets can seriously injure themselves while running, playing, or simply chewing things, and not seeing a professional is out of the question.
We adore this Liberty Mutual plan primarily for its affordability. For only $20/month for dogs and $10/month for cats (approx.), you can successfully waive the costs that arise from veterinary treatments needed to treat injuries.
The following is what you can expect Liberty Mutual to cover with their accident-only policy:
- Treatments for all kinds of accidents and injuries including cuts, lacerations, burns, sprains, tears, bites, wounds, fractured bones, damage to permanent teeth, head or body trauma, poisoning, hematomas, amputations, and many more;
- Ingestion of stuff like toys, clothing, rocks, or other hard or toxic objects (up to two veterinary treatments at maximum pet policy period (annually));
- Office checkups to evaluate the injury and determine the course of treatment including diagnostics and lab testing (X-rays, body imaging, blood panel, etc.);
- Euthanasia (including the accompanying anesthesia) administered by a licensed veterinarian as a means to relieve the pet from suffering caused by an injury;
- Costs for cremation or burial if the cause of death of the pet is an injury which occurred within 30 days prior to the date of its passing;
- Accidental death benefit if the pet has passed or has been euthanized due to an injury that occurred within 30 days prior to the date of its passing.
With that said, you need to pay attention to all the exceptions that are noted in your accident-only policy, so you’re always in the know of what to expect from your coverage. You can review the exclusions right below:
- Treatments for any pre-existing conditions;
- Treatments for any illnesses including chronic and genetic conditions, and hip dysplasia;
- Any alternative, holistic, or experimental treatments;
- Treatments related to breeding, pregnancy, and nursing;
- Treatments for behavioral problems;
- Wellness, preventative, and routine care;
- Organ transplants;
- Treatments for injuries inflicted by you or a member of your immediate family;
- Prescribed supplements, foods, and vitamins;
- Treatments for injuries resulting from commercial activities.
Liberty Mutual Accident & Illness Plan
To add more coverage so you could easily access the best veterinary care for your pet, Liberty Mutual designs their Accident & Illness pet insurance plan.
With it, you get everything that we’ve mentioned above for the Accident plan but even more. Some of the exclusions imposed on the accident-only plan are now covered by this accident and illness plan.
However, be prepared to sign up for a monthly premium that’s double or even triple the price of the Accident plan.
That’s mostly expected since you get all of the following covered by it:
- The above-mentioned coverage for accidents, up to two treatments per year for ingestion of solid objects, veterinary exam fees, and the costs for euthanasia, cremation, or burial due to a pet’s death caused by an injury;
- Veterinary treatments for illnesses and conditions that appear after your enrollment and after the 14-day waiting period: kennel cough, digestive issues, influenza, infections of various organs and organ systems like respiratory, urinary, and digestive tracts, orthopedic conditions, and more;
- Hereditary and congenital conditions like diabetes and glaucoma;
- Coverage for hip dysplasia;
- Surgery, hospitalization, nursing, and physical rehab;
- Veterinary exam fees of up to $100 per year for diagnosing illnesses;
- Cancer treatments like chemo or radiation therapy;
- Veterinary treatments for unnatural or unacceptable behavioral issues including training administered by a licensed professional and medications used to treat behavioral issues;
- Alternative and holistic therapies such as physiotherapy, acupuncture, homeopathic treatments, chiropractic treatments, aromatherapy, hydrotherapy, and more;
- Diagnostics and lab work for related illnesses – X-rays, MRI, CT scan, urinalysis, blood panel, ultrasound, stool samples, and more;
- Prescription medications only in the case when they are prescribed by a licensed vet;
- Euthanasia (including the accompanying anesthesia) administered by a licensed veterinarian as a means to relief the pet from suffering caused by an illness;
- Costs for cremation or burial if the cause of death of the pet is an illness which occurred within 30 days prior to the date of its passing.
All of the excluded items are as follows:
- Pre-existing conditions;
- Treatments related to breeding, pregnancy, and nursing;
- Wellness, preventative, and routine care;
- Organ transplants;
- Treatments for illnesses caused with intention by you or a member of your immediate family;
- Prescribed supplements, foods, and vitamins;
- Treatments for injuries resulting from commercial activities
- UAP – Ununited Anconeal Process;
- FCP – Fragmented Coronoid Process;
- Hock, carpus, elbow, and shoulder OCD (Osteochondritis Dissecans);
- Osteoarthritis;
- Osteochondrosis;
- Luxating patella;
- Spondylosis;
- Gastropexy except for the case when it’s required to treat bloat (gastric dilation volvulus);
- Conditions like testes, prostate glands, ovaries, uteri, mammary tumors, or perianal tumors if the cause of their occurrence is the lack of spaying/neutering the pet;
- Conditions like nuclear sclerosis, vitreal degeneration, iris atrophy, or loss of hearing or sight if the cause is old age.
Liberty Mutual Accident, Illness & Wellness Plan
For all those that want to be proactive with their furry friend’s health, Liberty Mutual adds a wellness care rider to their accident and illness plan. Staying ahead with everything your pet needs in life comes included in this convenient preventative pet coverage.
Liberty Mutual wellness plan provides reimbursement for all the routine necessities required for your pet to lead a normal, healthy, and fulfilled life. All the vaccinations and boosters to prevent dangerous illnesses from developing, intestinal deworming, teeth cleaning, dietary foods, and flea and tick preventatives are embedded into this all-encapsulating wellness plan.
The following chart explains Liberty Mutual’s wellness coverage in great detail:
| Routine & Preventative Benefits | Fixed Annual Payment Amounts |
|---|---|
| Routine physical examination (wellness exam) (one per policy year) | $50/year |
| Intestinal deworming or removal of parasite | $25/year |
| Routine dental cleaning (one per policy year) | $100/year |
| Spaying or neutering (only a single surgery) | $100/year |
| Flea and tick prevention (one per policy year) | $50/year |
| Heartworm test and medication (two pet policy year) | Up to $25/year |
| Fecal examination (two per policy year) | Up to $25/year |
| Prescription Medication | $50/year |
| Dietary food, vitamins, and nutritional supplements | $50/year |
| Vitamin boosters and vaccinations: For dogs: Adenovirus, Bordetella, Chlamydia, Coronavirus, Distemper, Influenza, Leptospirosis, Lyme, Parainfluenza, Parvovirus, Rabies, or Rattlesnake; For cats: Calicivirus, Chlamydiosis, Influenza, Leukemia, Panleukopenia, Rabies, or Rhinotracheitis. | $50/year |
| Plan’s Total Annual Benefits | $525/year |
With this comprehensive pet insurance plan, you’ll get all of the benefits for accidents and illnesses that we’ve reviewed in the two previous sections.
What’s amazing to discover is that for the above-listed benefits, policyholders aren’t required to contribute with a deductible. This coverage doesn’t add up to the annual benefits limit on your pet insurance plan either.
It would cost you about $30-$40/month to add this coverage to your accident and illness pet insurance policy which, in our opinion, is pretty affordable for all the quality benefits your pet gets to enjoy.
Liberty Mutual’s Pricing Quotes
When it comes to prices, our usual research made up of fetching several quotes for dogs and cats revealed satisfactory results.
Liberty Mutual’s plan with the most complete coverage – the Accident, Illness & Wellness plan is their most expensive one, reaching a price tag of about $100/month for purebred dogs and approx. $70/month for purebred cats.
Mixed breeds, on the other hand, pull out more affordable monthly premiums (about $20-$30 cheaper than pure breeds. This is due to the fact that pure-bred pets, especially dogs, are at a bigger risk of developing certain conditions or passing them down to their offspring.
With that said, if you’re looking for something cheaper, there’s the amazing Accident plan that covers all injuries. This coverage is affordable no matter the breed of your pet.
The most important thing you should remember is that pet insurance companies have a practice of increasing their premiums over time. Senior dogs require more medical attention and costs of veterinary services are on the constant rise, so that’s a factor in premium increases as well.
Pricing Quotes for Dog
| Breed | German Shepherd | French Bulldog | Labrador Retriever |
|---|---|---|---|
| Gender | Male | Male | Female |
| Age | 2 years 4 months | 4 years 2 months | 6 years 6 months |
| Location | New York | California | Colorado |
| Deductible | $500 | $500 | $500 |
| Claim Limit | $10,000 | $10,000 | $10,000 |
| Reimbursement | 80% | 80% | 80% |
| Liberty Mutual Accident Pet Coverage Plan | $21.09/month | $23.92/month | $23.21/month |
| Liberty Mutual Accident & Illness Pet Coverage Plan | $55.16/month | $73.90/month | $69.49/month |
| Liberty Mutual Accident, Illness & Wellness Pet Coverage Plan | $90.92/month | $109.67/month | $112.76/month |
*quotes obtained in January 2022
Pricing Quotes for Cats
| Breed | Siamese | Persian | Abyssinian |
|---|---|---|---|
| Gender | Male | Male | Female |
| Age | 2 years 5 months | 4 years 1 month | 8 years 2 months |
| Location | New York | Colorado | California |
| Deductible | $500 | $500 | $500 |
| Claim Limit | $10,000 | $10,000 | $10,000 |
| Reimbursement | 80% | 80% | 80% |
| Liberty Mutual Accident Pet Coverage Plan | $9.69/month | $10.68/month | $10.99/month |
| Liberty Mutual Accident & Illness Pet Coverage Plan | $26.00/month | $30.03/month | $42.19/month |
| Liberty Mutual Accident, Illness & Wellness Pet Coverage Plan | $60.25/month | $71.47/month | $76.44/month |
*quotes obtained in January 2022
Discounts and Savings
Liberty Mutual offers a bunch of discounts and savings options so you could score on a more affordable monthly premium.
Their multi-pet discount for signing up more than one pet with them has a refreshing approach. While most pet insurance providers who offer this discount only apply it to each additional pet that is enrolled with them, Liberty Mutual applies the discount to all your pets including the initially enrolled one.
To be more precise, if you sign up two pets with Liberty Mutual, you’ll get a 5% discount on both of their monthly premiums. The discount gets higher if you decide to enroll more pets. Sign up another pet (and maybe even another one!) and each of your pet policies will have premiums that are 10% cheaper than they originally would be.
There’s also the savings option for active or retired military members that grants them another 5% off on their policy premium.
Liberty Mutual customers who own policies for some of their other insurance types (car, home, renters, life, etc.) get an additional 5% discount.
How Does Liberty Mutual Compare With Its Competitors?
It isn’t always easy to start researching the pet insurance market in a quest for finding the most optimal pet insurance plan. Most of the companies that offer this type of insurance resemble one another and then you end up puzzled and apprehensive about making the wrong choice.
For that reason, we’ll compare Liberty Mutual’s pet insurance solution with three other pet insurers in a clear, concise way where you can spot even the most concealed details.
Our three contenders today are Hartville, PetFirst, and Banfield Pet Hospital – each offering unique pet coverage features with a mission to insure as many pets as possible.
Liberty Mutual vs. Hartville
Liberty Mutual and Hartville’s pet insurance policies are both administered by the same company – C&F Insurance Agency, Inc. Therefore, they both offer similar pet insurance solutions.
In the chart below, you can notice how similar the coverage they offer is, with Liberty Mutual providing higher options for deductibles and annual claim benefit limits, thus targeting pet owners with deeper pockets.
Hartville would even throw a microchip benefit in their wellness coverage – something not included with that of Liberty Mutual.
| Feature | Liberty Mutual | Hartville |
|---|---|---|
| Coverage Effective | USA | USA, Puerto Rico, Guam, US Virgin Islands, and Canada |
| Reimbursement | Choice of 70%, 80%, or 90% of covered expenses | Choice of 70%, 80%, or 90% of covered expenses |
| Co-Payment | 10%, 20%, or 30% | 10%, 20%, or 30% |
| Deductible | $250 – $1,000 | $100 – $500 |
| Type of Deductible | Annual | Annual |
| Claim Limit Options | $5,000 – $15,000 | $2,500 – $10,000 |
| Accident-Only Plan | Available | Available |
| Wellness Plan | Available | Available |
| Unlimited Benefits Plan | Not available | Not available |
| Accidents | Yes | Yes |
| Illnesses | Yes | Yes |
| Illness Waiting Period | 14 days | 14 days |
| Accident Waiting Period | 14 days | 14 days |
| Orthopedic Conditions Waiting Period | 14 days | 14 days |
| Bilateral Exclusions | No | Yes |
| Chronic Conditions | Yes | Yes |
| Hereditary and Congenital Conditions | Yes | Yes |
| Cancer | Yes | Yes |
| Dental Coverage | Yes | Yes |
| Prescription Medicine | Yes | Yes |
| Alternative/Holistic Therapy | Yes | Yes |
| Behavioral Issues | Yes | Yes |
| Exam Fees | Yes | Yes |
| Exam Required for Enrollment | Yes | No |
| Available At Any Vet Clinic | Yes | Yes |
| Microchip | No | Yes |
| Minimum Pet Age Limit | 8 weeks | 8 weeks |
| Maximum Pet Age Limit | No limit | No limit |
| Entry Fee | $0.00 | $0.00 |
| Monthly Transaction Fee | $0.00 | $2.00 |
| Multi-Pet Discount | 5% on all policies for two pets; 10% on all policies for three or more pets | 10% for each additional pet |
| Claim Repayment | Within 10 days on average | Within 30 days (14-16 days on average) |
| Direct Vet Bill Payment | Not available | Not available |
| Money-Back Guarantee | Not available | 30 days |
| AM Best Rating | A | A |
| BBB Rating | B | A+ |
*companies compared in January 2022
Read the full Hartville Pet Insurance review.
Liberty Mutual vs. PetFirst
PetFirst focuses on offering low annual deductibles and short waiting periods for accidents. Their aim is to provide pet parents who are on a budget with solid pet coverage in which, we have to admit, they succeed.
The company’s policy premiums are one of the most affordable out there, but it should be noted that its coverage is more limited than that of Liberty Mutual. PetFirst doesn’t have an unlimited claim benefits option and if you’d like to have coverage for behavioral therapies, you’d have to pay extra each month.
| Feature | Liberty Mutual | PetFirst |
|---|---|---|
| Coverage Effective | USA | USA |
| Reimbursement | Choice of 70%, 80%, or 90% of covered expenses | Choice of 70%, 80%, or 90% of covered expenses |
| Co-Payment | 10%, 20%, or 30% | 10%, 20%, or 30% |
| Deductible | $250 – $1,000 | $50 – $500 |
| Type of Deductible | Annual | Annual |
| Claim Limit Options | $5,000 – $15,000 | $2,000 – $10,000 |
| Accident-Only Plan | Available | Not available |
| Wellness Plan | Available | Available |
| Unlimited Benefits Plan | Not available | Not available |
| Accidents | Yes | Yes |
| Illnesses | Yes | Yes |
| Illness Waiting Period | 14 days | 14 days |
| Accident Waiting Period | 14 days | 1 day |
| Orthopedic Conditions Waiting Period | 14 days | 6 months |
| Bilateral Exclusions | No | No |
| Chronic Conditions | Yes | Yes |
| Hereditary and Congenital Conditions | Yes | Yes |
| Cancer | Yes | Yes |
| Dental Coverage | Yes | Yes |
| Prescription Medicine | Yes | Yes |
| Alternative/Holistic Therapy | Yes | Yes |
| Behavioral Issues | Yes | Optional add-on |
| Exam Fees | Yes | Yes |
| Exam Required for Enrollment | Yes | No |
| Available At Any Vet Clinic | Yes | Yes |
| Microchip | No | Optional add-on |
| Minimum Pet Age Limit | 8 weeks | 8 weeks |
| Maximum Pet Age Limit | No limit | No limit |
| Entry Fee | $0.00 | $12.00 |
| Monthly Transaction Fee | $0.00 | $3.00 |
| Multi-Pet Discount | 5% on all policies for two pets; 10% on all policies for three or more pets | 5% for second pet; 10% for third and all subsequent pets |
| Claim Repayment | Within 10 days on average | Within 30 days (10-14 days on average) |
| Direct Vet Bill Payment | Not available | Not available |
| Money-Back Guarantee | Not available | 14 days |
| AM Best Rating | A | A- |
| BBB Rating | B | A+ |
*companies compared in January 2022
Read the full PetFirst Pet Insurance review.
Liberty Mutual vs. Banfield Pet Hospital
Banfield Pet Hospital is only suitable for those interested in pet wellness care. The company doesn’t provide pet insurance plans, so, if you’d like to only cover the routine and preventative treatments for your pet, Banfield might be a better option than Liberty Mutual.
The company is rated A+ by the Better Business Bureau and provides an unlimited number of wellness visits no matter which of their plans you opt for. However, their monthly premiums are pretty expensive and they have a high one-time entry fee.
| Feature | Liberty Mutual | Banfield Pet Hospital |
|---|---|---|
| Coverage Effective | USA | USA and Puerto Rico |
| Reimbursement | Choice of 70%, 80%, or 90% of covered expenses | 100% of covered expenses |
| Co-Payment | 10%, 20%, or 30% | 0% |
| Deductible | $250 – $1,000 | $0 |
| Type of Deductible | Annual | Not applicable |
| Claim Limit Options | $5,000 – $15,000 | Limited benefits |
| Accident-Only Plan | Available | Not Available |
| Wellness Plan | Available | Available |
| Unlimited Benefits Plan | Not available | No |
| Accidents | Yes | No |
| Illnesses | Yes | No |
| Illness Waiting Period | 14 days | Not applicable |
| Accident Waiting Period | 14 days | Not applicable |
| Orthopedic Conditions Waiting Period | 14 days | Not applicable |
| Bilateral Exclusions | No | Yes |
| Chronic Conditions | Yes | No |
| Hereditary and Congenital Conditions | Yes | No |
| Cancer | Yes | No |
| Dental Coverage | Yes | Only routine dental care |
| Prescription Medicine | Yes | Coverage for vaccines and deworming; Parasite control meds as an optional add-on |
| Alternative/Holistic Therapy | Yes | No |
| Behavioral Issues | Yes | No |
| Exam Fees | Yes | Yes |
| Exam Required for Enrollment | Yes | No |
| Available At Any Vet Clinic | Yes | No |
| Microchip | No | No |
| Minimum Pet Age Limit | 8 weeks | No limit |
| Maximum Pet Age Limit | No limit | No limit |
| Entry Fee | $0.00 | Around $50 – $70 |
| Monthly Transaction Fee | $0.00 | $0.00 |
| Multi-Pet Discount | 5% on all policies for two pets; 10% on all policies for three or more pets | $15 on each additional pet |
| Claim Repayment | Within 10 days on average | No claims |
| Direct Vet Bill Payment | Not available | Not available |
| Money-Back Guarantee | Not available | Not available |
| AM Best Rating | A | Not available |
| BBB Rating | B | A+ |
*companies compared in January 2022
Read the full Banfield Pet Hospital review.
Customer Service
If you’re already a Liberty Mutual pet insurance policyholder or in the process of becoming one, you can contact the insurance provider by simply accessing the Customer Portal.
There, you can find all you need for your online account management. Through this portal, you can review your policy, add more pets to it, update your details, set up payment methods, and file a claim.
For those looking to contact Liberty Mutual the traditional way, the service provides a phone and an email address.
Here are all of Liberty Mutual’s available communication methods:
- Phone: 1-844-250-9199;
- Email: service@pet.libertymutual.com;
- Mailing address:
175 Berkeley Street
Boston, MA 02116 - Working hours:
Monday through Friday from 8 am to 8 pm EST;
Saturday and Sunday: closed
Customer Reviews
At Protect My Paws, including real testimonies in all our reviews is one of the most crucial parts of our methodology. Proving genuine insight into how others perceive the service you’re interested in can be eye-opening.
When it comes to Liberty Mutual, the company is a solid example of a corporation with thousands of policyholders. Many of them share their experiences and provide feedback about Liberty Mutual’s services online. However, none of them are about their pet insurance plans.
This might be due to the fact that Liberty Mutual only recently started offering pet insurance products. Nonetheless, in our review of the company, we’ll include customer reviews about some of their other insurance types until we have more input on their pet insurance features.
Positive Liberty Mutual Insurance Reviews
They provide great customer service at a cheap price. They give you a personal customer agent with their direct phone line and email so you get to speak with a live person immediately. I was with Geico for years and Liberty Mutual was super cheap, half the price of Geico. And I did not have to go through 20 buttons listening to a robot menu like Geico.
BP
Lightning struck next-door neighbor’s gigantic pine tree which fell on our house and truck on a Sunday evening. By Tuesday morning I had a check in hand that more than covered damages to house and tree removal. The truck will go into their preferred Auto Body shop who is authorized to bring the truck back to condition prior to the tree strike. Two different adjusters were both courteous and efficient. Can’t ask for more than that.
Phyllis
Liberty Mutual is a transparent, flexible, and innovative insurance company. I have had an auto policy with them for well over 10 years. During that time, I can not think of any negative experiences. They have always treated me with professional courtesy and respect as a customer. Liberty Mutual has also been flexible with payments in times of need (pandemic). I plan on continuing my service with them for years to come. I love the fact that they are affordable, competent, and they care about their customers.
SwagBucksBrit
My husband and I have been so happy with Liberty Mutual so far. It was so easy to sign up for our policy, and the agent we spoke with was extremely knowledgeable but at the same time, he explained things in terms that we could easily understand. I had to call customer service because my password had been hacked, and the representative was so helpful in resolving the issue and was also extremely friendly (and funny) as well! We love Liberty Mutual!
CaitAndMonkey
Negative Liberty Mutual Insurance Reviews
Liberty Mutual is a dreadful corporation. There was a client who changed lanes and slammed into my work van. After a week of attempting to contact someone. They were disrespectful and unprofessional in their handling of the case. They said they couldn’t do anything until they spoke with their client, and until she responded, they couldn’t accept responsibility. They’re a dreadful corporation. I strongly advise against using Liberty Mutual.
Benny Tillman
I am pursuing a refinance on my home and had to supply the mortgage company with homeowner’s insurance info. When I submitted it, I was told it didn’t include the replacement cost on my home. I looked into it, and sure enough, no replacement coverage. Liberty Mutual had sold me insurance that didn’t cover my home if it had burnt to the ground! When I called LM about the situation, they said it would cost more, so, of course, I said to add it. But then they added a supplemental 20% coverage I had not even requested.
Kyle S.
At that point, I began pursuing homeowner’s insurance elsewhere and I was able to get a policy with similar coverage for $800 less per year. Bottom line is, don’t use LM for your insurance needs. They issued me a policy at a lower price without the needed coverage on my home, just so I’d accept the price, all while trusting them. They’re overpriced and will not give you the appropriate coverage.
Non Existent Customer Care and Service. I couldn’t be more disappointed in the way we were treated by Liberty Mutual. They want you to submit your claim online apparently so they don’t have to actually act quickly to help your damaged roof caused by a storm. The adjuster would not even remove the emergency tarp to inspect the roof damage that caused the leaks as per Liberty Mutual’s Policy and Guidelines. They don’t contact you, you have to contact them and wait on hold endlessly. Apparently, customer service only matters when it’s time to pay your premium. Totally dissatisfied!
Fred Hingst
Conclusion
We’re coming to an end with our Liberty Mutual pet insurance review. Before we send you off with some alternatives to Liberty Mutual, let’s have a quick word about what this company is all about.
Throughout our review, we’ve talked about how Liberty Mutual’s pet coverage is one of the most comprehensive ones out there. Even though the company isn’t solely dedicated to pet insurance, they’ve done a great job in construing their pet coverage policies.
Our favorite Liberty Mutual feature is their Accident plan. It provides coverage for accidents only, but contains benefits like veterinary visits, euthanasia, and cremation or burial, for a shockingly low monthly fee.
Then there’s their coverage for behavioral issues, alternative treatments, and bilateral conditions – all included within their illnesses coverage.
With that said, Liberty Mutual is definitely worth a try, especially if you’re already a customer of their other insurance products. If you still have your doubts, go ahead and browse around Protect My Paws. We cover plenty of options suitable for every pet and pet owner’s needs.
F.A.Q.
I’ve heard that some pet insurance providers cancel or reduce your coverage after your pet turns a certain age. Is this true for Liberty Mutual as well?
Absolutely not. With Liberty Mutual, you can enroll your pet in one of their three pet insurance plans at any age and they’ll stay protected by their coverage for life. Liberty Mutual doesn’t automatically terminate your pet’s coverage based on their age.
Is it true that residents of Alaska and Florida can’t become Liberty Mutual pet insurance policyholders?
That is not true. Policyholders from Alaska and Florida are only deprived of the pet coverage for alternative therapies and behavioral treatments because of certain state restrictions. But they can still purchase any of Liberty Mutual’s pet insurance plans.
When will I receive a copy of my Liberty Mutual pet insurance policy?
After everything is thoroughly reviewed and set in stone, Liberty Mutual will send your finalized pet insurance policy to your email address. There, you’ll find a link where you can download a copy of your policy. Thereafter, you can also access it at any time by logging into your online account.
What methods does Liberty Mutual use to reimburse me for my veterinary expenses?
There are two supported ways through which you can receive your reimbursement from Liberty Mutual. You can opt for either receiving a paper recheck sent via regular mail or setting up direct deposit which is a much faster way to get your money back.
Can Liberty Mutual pay my vet bill directly to my vet?
Unfortunately, this feature isn’t offered by Liberty Mutual. You need to pay your vet bills in full and then submit a claim so you can get reimbursed.
