Pet Insurance Blog

Is Liberty Mutual Pet Insurance Good? Here's How It Stacks Up

Kari Steer, Licensed P&C Insurance Agent at Pawlicy Advisor
Kari Steere
Licensed Insurance Producer - Pawlicy Advisor
beagle happy to get pet insurance

From minor health issues to major accidents, pet ownership can get very expensive. Liberty Mutual offers pet insurance to help offset the cost of care for cats and dogs — especially during unexpected emergencies that you could have never see coming.

No matter how careful or doting pet parents may be, there will always be the risk of illness and injury. Pet insurance offers peace of mind by reimbursing covered vet visit costs paid for out-of-pocket, but with so many options to choose from, how do you decide?

Keep reading to learn more about Liberty Mutual's pet insurance policies, including unique features, waiting times, pricing, discounts, and much more.

Table of Contents:

Pro Tip: Headquartered in Boston, Massachusetts, Liberty Mutual is the fifth-largest property and casualty insurer in the States, selling homeowners, personal liability, car, and individual life insurance since 1912.

In 2017, the company added pet insurance to its offering, joining other big players in the insurance industry who decided to enter the pet space, such as Progressive, Geico, Nationwide, and Lemonade.

Note that many Liberty Mutual’s pet insurance policies are underwritten by United States Fire Insurance Company and are affiliated with Hartville Pet Insurance.

Available plans

Liberty Mutual offers three types of insurace coverage for pets: Accident & Illness, Accident-Only, and a, Illness and Wellness Policy.

The Accident coverage is the least expensive. It doesn’t cover illnesses, only accidents including bite wounds, a lodged foreign object, ingestion of toxins, broken bones, cuts, burns, abscesses, anesthesia or euthanasia, accidental injuries, and accidental death. 

The Accident and Illness coverage is the most popular and compares to standard pet insurance plans. It covers everything that the Accident policy covers, plus a number of illnesses, ranging from serious ones such as cancer and diabetes to minor ailments like an ear infection or stomach upset. This plan also reimburses congenital and hereditary conditions (that are not pre-existing), alternative therapy (such as physiotherapy and hydrotherapy), and behavioral therapy (Including issues like destructive chewing and excessive licking).

Lastly, the Accident, Illness & Wellness plan reimburses everything that the Accident and Illness plan does, plus a list of services that help keep your pet healthy including wellness exams, vaccinations and boosters, flea and tick prevention, prescription food and supplements, spaying/neutering, heartworm testing and medications, intestinal deworming, and routine teeth cleaning. 

Exclusions

Like most pet insurance companies, Liberty Mutual doesn’t cover pre-existing conditions. However, the company will cover a pre-existing condition if it has been cured and if your pet is symptom-free and treatment-free for six months. 

The rest of the list of exclusions is pretty standard and includes pregnancy/breeding, cosmetic procedures, organ transplants, professional or commercial use, experimental and investigations, unlawful acts. 

Pricing

When it comes to pet insurance cost, an average policy costs about $48 per month for a dog and only about $19 per month for a cat. 

It should be noted though that just like other pet insurance providers, Liberty Mutual bases its prices on the pet’s age, location, and breed. The exact price will also depend on the options you chose to customize your plan. 

Liberty Mutual Pet Insurance offers you to choose from a $5,000 limit to unlimited, three different deductibles: $100, $250 and $500, as well as three reimbursement amounts: 70%, 80% or 90%.

The prices of the wellness add-ons are competitive: the Basic Wellness plan costs $9.95 a month, whereas the Prime Plan is $24.95 per month.

Discounts

Liberty Mutual offers a group discount of up to 10% for PEF members and retirees and a 5% discount for members of the military. There is also a 5% discount if you insure two pets and 10% for three pets or more. 

Claims and reimbursement times

One major downside of Liberty Mutual’s Pet Insurance is the waiting period of 30 days for reimbursement.

Liberty Mutual requires customers to wait 14 days before they can submit a claim, which is a pretty standard waiting period. 

Claims can be filled out online through the Hartville Pet Insurance website or printed out and sent via fax or mail. Customers can also file a claim and track the status of their claims through the Claims Center on Liberty Mutual’s website.

What we like about this coverage

Liberty Mutual offers a wide range of accidents and illnesses, including alternative and behavioral therapy. Customers can customize their plan to best fit their pet and budget, and stackable discounts can save them up to 20%.

The company has only 14 days waiting period for hip dysplasia, which is much shorter compared to other insurers who require you to wait for six months. 

Each coverage option allows pet owners to use the services of any veterinarian in the US, including emergency clinics. 

Liberty Mutual has a 30-day money-back guarantee and no cancellation due to age. 

Customer support agents can be reached through email or phone, and they’re available six days of the week, except on Sundays.

What could be improved

One major drawback for Liberty Mutual Pet Insurance is the 30-day waiting period for reimbursements.

Is Liberty Mutual Pet Insurance worth it?

Liberty Mutual Pet insurance is supported by one of the most established insurance companies in the US, and it is an excellent choice for those looking for stability and quality. It is also an affordable option for owners who are working on a tighter budget. 

If you want the most comprehensive coverage, the Complete Coverage policy is the best option; however, this policy is also the most expensive. 

If you are not sure that Liberty Mutual is the best choice for you, consider our other Pet Insurance Reviews or use Pawlicy’s comparison charts for a side-by-side look at coverage provided by top insurance companies and to get a personalized version based on your unique pet. 

Do you want to find the best pet insurance?

Let's analyze your pet's breed, age, and location to find the right coverage and the best savings. Ready?

Analyze My Pet

About Pawlicy Advisor

The pet insurance marketplace endorsed by veterinarians, at Pawlicy Advisor we make buying the best pet insurance easier. By comparing personalized coverage and pricing differences we can save you a ton of money, up to 83% in some instances!

Learn More
Pawlicy Advisor helping a pet parent and their dog find a great deal on insurance

Instantly Compare Pet Insurance Plans

Get Quotes

Guides

How Pet Insurance Works

How To Compare Plans

Determine If Pet Insurance Is Worth It

Determine If Wellness Plans Are Worth It

Vet Visit Costs

New Puppy Checklist

Comparison Charts

ASPCA vs. Pets Best

Pets Best vs. Embrace

Embrace vs. MetLife

MetLife vs. Figo

More Comparison Charts

Find Your State

New Jersey

California

Florida

Oregon

Texas

New York

Colorado

Pennsylvania

More States

Dog Insurance

German Shepherd

Rottweiler

Akita

Boxer

English Bulldog

French Bulldog

Great Dane

Pug

Corgi

Chihuahua

Poodle

More Breeds

Kari Steer, Licensed P&C Insurance Agent at Pawlicy Advisor

Kari Steere
Licensed Insurance Producer - Pawlicy Advisor

Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. As an animal lover with a rescued Terrier named Barry, when she's not helping pet owners find the perfect plan on Pawlicy Advisor, she runs a ranch in Oregon and rehabilitates any animals that come across her path.

More you might like

woman on computer next to dog
6 minute read

NAPHIA Director Kristen Lynch On Pet Insurance Market Penetration

Kitten gets scratch under skin
5 minute read

AKC Pet Insurance Review

Black and orange cat receives pet
5 minute read

Nationwide Pet Insurance Review

Woman with Golden Retriever puppy
5 minute read

Embrace Pet Insurance Review

Chocolate puppy held by owner
5 minute read

Progressive Pet Insurance Review

Man holding beagle dog
6 minute read

Geico Pet Insurance Review

Pug puppy and young woman
7 minute read

Is Healthy Paws Pet Insurance Good?

Trupanion pet insurance can pay your veterinarian directly. But is it good pet insurance? Here’s what you need to know.
5 minute read

Is Trupanion's Pet Insurance Good?

Man holding new puppy
12 minute read

When's Best Time to Buy Pet Insurance?

Old Beagle dog sitting next to senior woman
9 minute read

Is Pet Assure Any Good? Here's How It Stacks Up

Woman sitting at desk signing paper with dog on lap
9 minute read

When Is Pet Insurance A Great Decision?

Beagle dog waiting
8 minute read

How Soon Does Pet Insurance Take Effect?

Woman hugging black dog with open mouth
8 minute read

Pet Dental Insurance: How to Find the Best Plan

Pawlicy Advisor Team with Logo
4 minute read

Pawlicy Advisor Raised $6.5M To Help Pet Parents Afford Unexpected Veterinary Treatment

Pet's Best Insurance Review
7 minute read

Pets Best Insurance Review: How Does It Stack Up?

Senior boxer dog
7 minute read

Pet Insurance For Older Pets: Is It Worth It?

walmart pet insurance review
10 minute read

Is Walmart Pet Insurance Good? Here’s How It Stacks Up

banfield pet insurance wellness info and review
10 minute read

Banfield Wellness Plan Info & Review: Everything You Need to Know

wagmo wellness info and review
10 minute read

Is Wagmo Pet Insurance Good? Here's How It Stacks Up

Canine Journal vs. Pawlicy Advisor
10 minute read

Canine Journal vs. Pawlicy Advisor: Which is Best For Pet Insurance

dog looking out window
2 minute read

Three Things to Look for When Comparing Pet Insurance Companies

petinsurancereview vs pawlicy advisor pet insurance
10 minute read

PetInsuranceReview vs. Pawlicy Advisor: Which Is Best For Pet Insurance?

Policygenius vs Pawlicy Advisor pet insurance
10 minute read

Policygenius vs. Pawlicy Advisor: Which is Best for Pet Insurance?

lemonade's pet insurance cats and dogs
9 minute read

Is Lemonade's Pet Insurance Good? Here's How It Stacks Up

Happy dog receives affection from owner
13 minute read

Are Pet Wellness Plans Worth It For Routine Care?

Kitten at a veterinary appointment
14 minute read

Is Cat Health Insurance Worth It? Ask An Expert

happy pet parent loving on her dog
22 minute read

Fascinating Pet Insurance Statistics 2019-2020

Dog at a veterinary clinic
14 minute read

Is Pet Insurance Worth Getting for Your Dog?

Two dogs running happy and healthy
13 minute read

Pet Insurance for More Than One Pet: Multi-Pet Discounts And Strategies

smiling dog
7 minute read

3 Ways To Use Pet Insurance Like A Pro

rescue dog and cat
14 minute read

Pet Insurance For Rescue Dogs (And Cats) - It's Easier Than You Think

cat and dog together outside
17 minute read

How to Get the Best Pet Insurance Plan, No Matter the Provider

dog with loving pet owner
17 minute read

Average Pet Insurance Cost in 2022 by Breed, Age, & State

pet insurance comparison showcase
18 minute read

How To Compare & Find The Right Pet Insurance

Dog covered from bad weather under Pawlicy umbrella
18 minute read

How Does Pet Insurance Work & What Does It Cover

Puppy Dalmation at a veterinary checkup.
16 minute read

Is Pet Insurance Worth It in 2023? Here’s A Vet’s Perspective

Pet Parent and Happy Dog
3 minute read

New Funding to Transform the Pet Insurance Industry

A well-informed dog reads a magazine.
2 minute read

FAQ: Pet Insurance Simplified

pug with pre-existing condition wrapped in a blanket
7 minute read

Pet Insurance Options for Pre-Existing Conditions

A hard-working professional dog at its desk.
2 minute read

Why HR Managers Should Offer Pet Insurance

why pawlicy advisor is the best pet insurance comparison tool
5 minute read

Why Pawlicy Advisor Is The Best Tool For Buying Pet Insurance

Back to Blog
A family with pets that are insured by Pawlicy Advisor
Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate.
Join 2,438,795+ insured dogs and cats across the US.
Get a Quote
Our pet insurance partners
ASPCA Pet Health Insurance Logo
Pets Best Pet Insurance Logo
Embrace Pet Insurance Logo
MetLife Pet Insurance Logo
Figo Pet Insurance Logo
Prudent Pet Insurance Logo