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Liberty Mutual Pet Insurance could possibly be an incredible choice to get protection to your pet, particularly in the event you’re an current Liberty Mutual buyer and may qualify for a multiple-policy low cost. Rates are beneath common, protection does not terminate for older pets, and you will get wellness protection for preventive care.
- Available with all clinics within the US
- It covers curable pre-existing situations
- Stackable reductions prevent as much as $20
- All coverages have a 14-day ready interval
Product Details
- Covers curable pre-existing situations
- Stackable reductions prevent as much as 20%
- Choose a deductible of $250, $500, or $1,000
- Policy won’t terminate as a result of pet’s old age
Liberty Mutual Pet Insurance
Liberty Mutual is among the world’s largest insurance coverage corporations, providing a number of branches of economic safety for customers. You might greatest know this supplier for its auto, home, and life insurance coverage insurance policies, however you can too buy pet insurance coverage from Liberty Mutual.
Insider was not capable of finding particular buyer suggestions relating to pet insurance coverage claims and reimbursement experiences, however the supplier is extraordinarily respected general and presents a easy, easy sign-up course of for pet insurance coverage buyers. Reimbursement timeframes are comparatively sluggish by Liberty Mutual’s personal admission, averaging 10 business days in spite of everything required documentation has been submitted.
Here’s what you must find out about Liberty Mutual pet insurance coverage to find out if it is the very best pet insurance coverage for you.
Liberty Mutual Pet Insurance Cost
Liberty Mutual pet insurance coverage is extremely customizable, with 81 whole cost choices between annual deductibles, annual maximums, plan choices and reimbursement percentages.
To higher perceive our month-to-month cost vary, we requested a quote for Insider’s favourite imaginary Golden Retriever, Caboodle. The value ranged from as little as $7.37 per thirty days for accident-only insurance coverage in any case quantity of protection, to $79.44 per thirty days for the very best monetary safety available on all fronts.
Here are just a few fashionable protection mixtures to think about in opposition to different pet insurance coverage suppliers earlier than including any elective riders or eligible reductions:
Accident-only: $1,000, 70%, and $5k annual for $7.37 a month
If you are simply searching for some monetary peace of thoughts within the occasion of a catastrophic accident, that is the plan for you.
For $7.37 per thirty days ($88.44 per 12 months), you will have accident-only protection, a $5,000 annual most and be reimbursed for 70% of eligible prices after a $1,000 annual deductible.
Accident plus sickness: $500, 80% and $10k annual for $36.82 a month
Most wholesome young dogs will probably be adequately insured beneath this plan.
For $36.82 per thirty days ($441.84 per 12 months), you will take pleasure in accident plus sickness protection, a $10,000 annual most, and be reimbursed for 80% of eligible prices after a $500 annual deductible. The common cost of pet insurance coverage, together with protection for each accident and diseases, is $48.66 per thirty days, so Liberty Mutual is cheaper than common.
Accident, sickness plus wellness: $250, 90% and $15k annual for $79.44 a month
If you want realizing you are as financially protected as attainable, that is the coverage to think about.
For $79.44 per thirty days ($953.28 per 12 months), you will have full accident and sickness protection with a $15,000 annual most, and obtain reimbursement for 90% of all eligible prices after a $250 annual deductible.
You’ll additionally obtain as much as $525 in wellness reimbursements on the following charges:
- Routine bodily examination (wellness examination): $50
- Intestinal de-worming and parasite removing: $25
- Routine dental cleansing: $100
- Spaying or neutering: $100
- Flea and tick prevention: $50
- Heartworm check: $25
- Fecal examination: $25
- Prescription remedy: $50
- Dietary meals and vitamin dietary supplements: $50
- Vitamin boosters and vaccinations: $50
Finally, you will be reimbursed as much as $100 for one check-up per coverage 12 months.
Discounts for Liberty Mutual Insurance Customers
According to Liberty Mutual, you might earn as much as a 20% low cost for holding a number of insurance policies throughout the corporate’s choices.
A 5% pet insurance coverage low cost is available for current Liberty Mutual prospects. When filling out your pet insurance coverage questionnaire, you will be requested in the event you’re an energetic member of the US army, in addition to you probably have different Liberty Mutual insurance coverage insurance policies. While the low cost isn’t actively acknowledged, your premium quote will mirror a 5% low cost.
You can even obtain a 5% low cost per premium for insuring two pets by way of Liberty Mutual, or a ten% low cost per premium for insuring three or extra pets.
How to File a Claim With Liberty Mutual Pet Insurance
You can file an insurance coverage declare by way of the policyholder customer portal, or attain Liberty Mutual Pet Insurance by way of the Contact Us web page.
Phone: (844) 250-9199
Monday by way of Friday, 8 a.m. to eight p.m. EST
Email: [email protected]
Mailing tackle:
175 Berkeley Street
Boston, MA 02116
Liberty Mutual Pet Insurance Plans
Liberty Mutual presents extremely customizable pet insurance coverage insurance policies, with the flexibleness to make use of any vet you select. The firm additionally doesn’t terminate protection for older dogs, and supplies an especially easy sign-up expertise with clear, easy tips.
As with most insurance coverage corporations, Liberty Mutual doesn’t insure pre-existing well being situations. However, you should purchase three tiers of pet safety by way of Liberty Mutual for insurance coverage in opposition to future points:
- Accident solely
- Accident and sickness
- Accident, sickness, plus wellness
Accident-only protection
As the identify implies, this insurance coverage plan solely covers sudden medical payments which will come up from an accident, an attack from one other animal, or another incident of this nature. According to Liberty Mutual, the next bills are eligible for reimbursement beneath accident-only protection:
- Accidental accidents (together with to everlasting tooth)
- Euthanasia or anesthesia as a result of an accident
- Cremation and burial bills as a result of an accident
- Ingestion of a overseas object (as much as two therapies per coverage 12 months)
- Accidental loss of life
Accident and sickness protection
This coverage covers all the eligible bills above, in addition to widespread diseases similar to:
- Illnesses together with most cancers, influenza, and kennel cough
- Alternative medication
- Behavioral remedy
- Hereditary and congenital situations
Accident, sickness, and wellness protection
Liberty Mutual’s most complete pet insurance coverage plan consists of all the above protection, in addition to as much as $525 in fixed-amount funds as much as the next limits for the wellness therapies beneath:
- Routine bodily examination (wellness examination): $50
- Intestinal de-worming and parasite removing: $25
- Routine dental cleansing: $100
- Spaying or neutering: $100
- Flea and tick prevention: $50
- Heartworm check: $25
- Fecal examination: $25
- Prescription remedy: $50
- Dietary meals and vitamin dietary supplements: $50
- Vitamin boosters and vaccinations: $50
Note that lined prescription remedy solely covers medication distributed with a written prescription from a veterinarian.
You’ll even be reimbursed as much as $100 for one annual check-up every coverage 12 months.
Customizable tiers of protection
Within Liberty Mutual’s three insurance policy, you possibly can additional choose the quantity of protection that most closely fits your wants.
Annual most: $5,000, $10,000 or $15,000
Annual deductible: $250, $500 or $1,000
Reimbursement proportion: 70%, 80% or 90%
Liberty Mutual Pet Insurance
AM Best Financial Strength Rating
A (Excellent)
- Available with all clinics within the US
- It covers curable pre-existing situations
- Stackable reductions prevent as much as $20
- All coverages have a 14-day ready interval
Product Details
- Covers curable pre-existing situations
- Stackable reductions prevent as much as 20%
- Choose a deductible of $250, $500, or $1,000
- Policy won’t terminate as a result of pet’s old age
FAQs
Unless you are a resident of the state of Maine, your Liberty Mutual pet insurance coverage coverage comes with a 14-day ready interval earlier than which you’ll file any eligible declare.
For Maine residents, accident insurance coverage protection begins instantly after you pay to your plan. You can even waive the sickness ready interval if a professional vet completes a complete medical examination after you buy your insurance coverage coverage and submit this form for evaluate.
In most states, you possibly can file claims with Liberty Mutual for pet acupuncture, chiropractic care, or hydrotherapy beneath your accident and sickness coverage or accident, sickness, and wellness insurance policies. Certain necessities have to be met, and remedy have to be carried out by certified workers members in a veterinary or specialist’s workplace. Residents of Florida and Alaska usually are not eligible for various medication protection.
Liberty Mutual pet insurance coverage reimbursement timeframes appear to take longer than many rivals, averaging 10 business days to course of a declare with all required documentation. You can monitor the progress of your declare instantly by way of the shopper portal and also will obtain electronic mail updates.
Direct deposit reimbursement is the quickest choice, though you can too obtain a verify within the mail in the event you’d want.
Liberty Mutual prospects can earn as much as a 20% low cost for holding a number of insurance coverage insurance policies, together with as much as 10% off of every pet premium for insuring three or extra pets in a single family.
No, Liberty Mutual doesn’t terminate protection for older dogs. It presents lifetime protection for current pets so long as you preserve your coverage.
Yes, you possibly can go to any veterinarian you probably have Liberty Mutual pet insurance coverage protection, together with specialists.
Compare Liberty Mutual Pet Insurance
See how Liberty Mutual compares to a few different choices for pet insurance coverage protection: Pumpkin, Healthy Paws, and Nationwide.
Liberty Mutual vs. Pumpkin Pet Insurance
Pumpkin and Liberty Mutual each supply reductions for pet homeowners who insure a couple of furry good friend.
Liberty Mutual presents reimbursement tiers starting from 70% to 90% on all eligible claims, whereas Pumpkin retains it easy with a single reimbursement tier of 90%.
Liberty Mutual is considerably cheaper in a head-to-head comparability for our pattern canine’s protection. For an accident plus sickness coverage with 90% reimbursement, an annual ceiling of $10,000 plus $250 annual deductible, Liberty Mutual rang in at $51.52 a month whereas Pumpkin cost $81.92 a month. Even with wellness protection included, Liberty Mutual nonetheless got here out forward with a decrease month-to-month premium at $79.44 a month.
Pumpkin Pet insurance coverage Review
Liberty Mutual vs. Healthy Paws Pet Insurance
Healthy Paws Pet Insurance presents simply 4 easy pricing tiers of protection, with limitless annual payouts. Once once more, Liberty Mutual stacks up favorably in opposition to one other fashionable pet insurance coverage firm.
When we in contrast insurance policies with 80% reimbursement and $500 annual deductibles, Liberty Mutual’s month-to-month premium of $34.36 per thirty days beat out Healthy Paws at $47 per thirty days. However, there is a caveat: Liberty Mutual solely comes out forward in case your pet wants lower than $15,000 value of medical remedy in a coverage 12 months, since Healthy Paws doesn’t have an annual restrict.
Healthy Paws Pet Insurance Review
Liberty Mutual vs. Nationwide Pet Insurance
Nationwide and Liberty Mutual are each huge insurance coverage conglomerates, identified for his or her protection throughout a variety of client and industrial wants. As such, it is sensible that each corporations supply pet insurance coverage protection, and supply extraordinarily comparable advantages and perks.
If you are selecting between these two insurance coverage corporations, chances are high excessive that you simply already maintain insurance policies in different areas with both supplier. Since each insurance coverage corporations low cost for patrons with a number of insurance policies, we suggest going along with your current firm, and profiting from the reductions available to you.
Nationwide Pet Insurance Review
Why You Should Trust Us: How We Reviewed Liberty Mutual Pet Insurance
In this evaluate and in all of our pet insurance coverage evaluations, we give attention to coverage varieties, common premiums, claims expertise, and coverage exclusions when evaluating an organization. We additionally take a look at buyer evaluations on third-party websites and monetary stability rankings from AM Best. See our pet insurance coverage ranking methodology for extra particulars.
- Available with all clinics within the US
- It covers curable pre-existing situations
- Stackable reductions prevent as much as $20
- All coverages have a 14-day ready interval
Product Details
- Covers curable pre-existing situations
- Stackable reductions prevent as much as 20%
- Choose a deductible of $250, $500, or $1,000
- Policy won’t terminate as a result of pet’s old age
