Our professionals address readers’ insurance coverage concerns and compose impartial item evaluations (here’s how we evaluate insurance coverage items). In some cases, we receive a commission from our partners; nevertheless, our viewpoints are our own.
Liberty Mutual Pet Insurance
AM Best Financial Strength Rating
A (Excellent)
Liberty Mutual Pet Insurance
AM Best Financial Strength Rating
A (Excellent)
compare policies and rates with Petted
Liberty Mutual Pet Insurance
Details
AM Best Financial Strength Rating
A (Excellent)
Pros & Cons
Available with all centers in the United States
It covers treatable pre-existing conditions
Stackable discount rates save you as much as $20
All protections have a 14-day waiting duration
Highlights
- Covers treatable pre-existing conditions
- Stackable discount rates save you as much as 20%
- Choose a deductible of $250, $500, or $1,000
- Policy will not end due to animal’s aging
Liberty Mutual is among the world’s biggest insurer, providing several branches of monetary defense for customers. You might best understand this supplier for its vehicle, home, and life insurance coverage policies, however you can likewise acquire animal insurance coverage from Liberty Mutual.
Insider was unable to discover particular consumer feedback concerning animal insurance coverage claims and repayment experiences, however the supplier is exceptionally respectable general and uses an easy, simple sign-up procedure for animal insurance coverage consumers. Reimbursement timeframes are reasonably sluggish by Liberty Mutual’s own admission, balancing 10 business days after all needed paperwork has actually been sent.
Here’s what you need to learn about Liberty Mutual animal insurance coverage to identify if it’s the very best animal insurance coverage for you.
Pet Insurance Plans From Liberty Mutual Pet Insurance
Liberty Mutual uses extremely personalized animal insurance plan, with the versatility to utilize any veterinarian you pick. The business likewise does not end protection for older dogs, and offers an incredibly simple sign-up experience with clear, basic standards.
As with a lot of insurer, Liberty Mutual does not guarantee pre-existing health conditions. However, you can acquire 3 tiers of animal defense through Liberty Mutual for insurance coverage versus future problems:
- Accident just
- Accident and disease
- Accident, disease, plus health
Accident-just protection
As the name suggests, this insurance coverage strategy just covers unanticipated medical expenses that might occur from a mishap, an attack from another animal, or some other event of this nature. According to Liberty Mutual, the following expenditures are qualified for repayment under accident-only protection:
- Accidental injuries (consisting of to irreversible teeth)
- Euthanasia or anesthesia due to a mishap
- Cremation and burial expenditures due to a mishap
- Ingestion of a foreign item (as much as 2 treatments per policy year)
- Accidental death
Accident and disease protection
This policy covers all of the eligible expenditures above, in addition to typical diseases such as:
- Illnesses consisting of cancer, influenza, and kennel cough
- Alternative medication
- Behavioral treatment
- Hereditary and hereditary conditions
Accident, disease, and health protection
Liberty Mutual’s most thorough animal insurance coverage strategy consists of all of the above protection, in addition to as much as $525 in fixed-amount payments as much as the following limitations for the health treatments listed below:
- Routine health examination (wellness test): $50
- Intestinal de-worming and parasite elimination: $25
- Routine oral cleansing: $100
- Spaying or neutering: $100
- Flea and tick avoidance: $50
- Heartworm test: $25
- Fecal assessment: $25
- Prescription medication: $50
- Dietary food and vitamin supplements: $50
- Vitamin boosters and vaccinations: $50
Note that covered prescription medication just covers medication ignored a composed prescription from a vet.
You’ll likewise be repaid as much as $100 for one yearly check-up each policy year.
Customizable tiers of protection
Within Liberty Mutual’s 3 insurance coverage strategies, you can even more pick the quantity of protection that finest fits your requirements.
Annual optimum: $5,000, $10,000 or $15,000
Annual deductible: $250, $500 or $1,000
Reimbursement portion: 70%, 80% or 90%
How Much Does Pet Insurance From Liberty Mutual Cost?
Liberty Mutual animal insurance coverage is extremely personalized, with 81 overall cost choices in between yearly deductibles, yearly optimums, strategy choices and repayment portions.
To much better comprehend our regular monthly cost variety, we asked for a quote for Insider’s preferred fictional Golden Retriever, Caboodle. The rate varied from as low as $7.37 each month for accident-only insurance coverage at the least quantity of protection, to $79.44 each month for the very best monetary defense available on all fronts.
Here are a couple of popular protection mixes to think about versus other animal insurance coverage service providers prior to including any optional riders or qualified discount rates:
Accident-just: $1,000, 70%, and $5k yearly for $7.37 a month
If you’re simply searching for some monetary assurance in case of a devastating mishap, this is the prepare for you.
For $7.37 each month ($88.44 each year), you’ll have accident-only protection, a $5,000 yearly optimum and be repaid for 70% of qualified expenses after a $1,000 yearly deductible.
Accident plus disease: $500, 80% and $10k yearly for $36.82 a month
Most healthy young dogs will be effectively guaranteed under this strategy.
For $36.82 each month ($441.84 each year), you’ll delight in mishap plus disease protection, a $10,000 yearly optimum, and be repaid for 80% of qualified expenses after a $500 yearly deductible. The typical cost of animal insurance coverage, consisting of protection for both mishap and diseases, is $48.66 each month, so Liberty Mutual is more affordable than average.
Accident, disease plus health: $250, 90% and $15k yearly for $79.44 a month
If you like understanding you’re as economically safeguarded as possible, this is the policy to think about.
For $79.44 each month ($953.28 each year), you’ll have complete mishap and disease protection with a $15,000 yearly optimum, and receive repayment for 90% of all qualified expenses after a $250 yearly deductible.
You’ll likewise receive as much as $525 in health compensations at the following rates:
- Routine health examination (wellness test): $50
- Intestinal de-worming and parasite elimination: $25
- Routine oral cleansing: $100
- Spaying or neutering: $100
- Flea and tick avoidance: $50
- Heartworm test: $25
- Fecal assessment: $25
- Prescription medication: $50
- Dietary food and vitamin supplements: $50
- Vitamin boosters and vaccinations: $50
Finally, you’ll be repaid as much as $100 for one check-up per policy year.
Discounts for Liberty Mutual Insurance Customers
According to Liberty Mutual, you might make as much as a 20% discount rate for holding several policies throughout the business’s offerings.
A 5% animal insurance coverage discount rate is available for existing Liberty Mutual consumers. When completing your animal insurance coverage survey, you’ll be asked if you’re an active member of the United States military, in addition to if you have other Liberty Mutual insurance plan. While the discount rate is not actively specified, your premium quote will show a 5% discount rate.
You will likewise receive a 5% discount rate per premium for guaranteeing 2 family pets through Liberty Mutual, or a 10% discount rate per premium for guaranteeing 3 or more family pets.
How to File a Claim With Liberty Mutual Pet Insurance
You can submit an insurance coverage claim through the insurance policy holder consumer website, or reach Liberty Mutual Pet Insurance through the Contact Us page.
Phone: (844) 250-9199
Monday through Friday, 8 a.m. to 8 p.m. EST
Email: [email protected]
Mailing address:
175 Berkeley Street
Boston, MA 02116
Liberty Mutual Pet Insurance
AM Best Financial Strength Rating
A (Excellent)
Liberty Mutual Pet Insurance
AM Best Financial Strength Rating
A (Excellent)
compare policies and rates with Petted
Liberty Mutual Pet Insurance
Details
AM Best Financial Strength Rating
A (Excellent)
Pros & Cons
Available with all centers in the United States
It covers treatable pre-existing conditions
Stackable discount rates save you as much as $20
All protections have a 14-day waiting duration
Highlights
- Covers treatable pre-existing conditions
- Stackable discount rates save you as much as 20%
- Choose a deductible of $250, $500, or $1,000
- Policy will not end due to animal’s aging
Liberty Mutual Pet Insurance Frequently Asked Questions
Unless you’re a homeowner of the state of Maine, your Liberty Mutual animal insurance plan includes a 14-day waiting duration prior to which you can submit any qualified claim.
For Maine homeowners, mishap insurance protection starts right away after you spend for your strategy. You can likewise waive the disease waiting duration if a certified veterinarian finishes an extensive medical exam after you acquire your insurance plan and send this form for evaluation.
In most states, you can submit claims for animal acupuncture, chiropractic care, or hydrotherapy under your mishap and disease policy or mishap, disease, and health policies. Certain requirements need to be fulfilled, and treatment should be performed by certified team member in a veterinary or expert’s workplace. Residents of Florida and Alaska are not qualified for natural medicine protection.
Liberty Mutual animal insurance coverage repayment timeframes appear to take longer than numerous rivals, balancing 10 business days to process a claim with all needed paperwork. You can track the development of your claim straight through the consumer website and will likewise receive email updates.
Direct deposit repayment is the quickest alternative, although you can likewise receive a check in the mail if you’d choose.
Liberty Mutual consumers can make as much as a 20% discount rate for holding several insurance plan, consisting of as much as 10% off of each animal premium for guaranteeing 3 or more family pets in one household.
No, Liberty Mutual uses life time protection for existing family pets as long as you preserve your policy.
Yes, you can check out any vet, consisting of professionals.
Why You Should Trust Us: How We Reviewed Liberty Mutual Pet Insurance
In this evaluation and in all of our animal insurance coverage evaluations, we concentrate on policy types, typical premiums, declares experience, and policy exemptions when assessing a business. We likewise take a look at consumer evaluations on third-party websites and monetary stability rankings from AM Best. See our insurance coverage score approach for more information.
How Liberty Mutual Pet Insurance Compares
Liberty Mutual vs. Pumpkin Pet Insurance
If you have several fur children, both insurance coverage service providers have your back. Liberty Mutual and Pumpkin both use discount rates for animal owners who guarantee more than one furry friend.
Liberty Mutual uses repayment tiers varying from 70% to 90% on all qualified claims, while Pumpkin keeps it basic with a single repayment tier of 90%.
Liberty Mutual is considerably more affordable in a head-to-head contrast for our sample dog’s protection. For a mishap plus disease policy with 90% repayment, a yearly ceiling of $10,000 plus $250 yearly deductible, Liberty Mutual called in at $51.52 a month while Pumpkin cost $81.92 a month. Even with health protection consisted of, Liberty Mutual still came out ahead with a lower regular monthly premium at $79.44 a month.
Read our Pumpkin animal insurance coverage evaluation.
Liberty Mutual vs. Healthy Paws Pet Insurance
Once once again, Liberty Mutual accumulates positively versus another popular animal insurer. Healthy Paws uses simply 4 basic rates tiers of protection, with endless yearly payments.
When we compared policies with 80% repayment and $500 yearly deductibles, Liberty Mutual’s regular monthly premium of $34.36 each month vanquished Healthy Paws at $47 each month. However, there’s a caution: Liberty Mutual just comes out ahead if your animal requires less than $15,000 worth of medical treatment in a policy year, given that Healthy Paws does not have a yearly limitation.
Read our Healthy Paws animal insurance coverage evaluation.
Liberty Mutual vs. Nationwide Pet Insurance
Both Liberty Mutual and Nationwide are huge insurance coverage corporations, understood for their protection throughout a wide variety of customer and business requirements. As such, it makes good sense that both business use animal insurance protection, and supply exceptionally equivalent advantages and advantages.
If you’re selecting in between these 2 insurer, opportunities are high that you already hold policies in other locations with either supplier. Since both insurer discount rate for consumers with several policies, we advise opting for your existing business, and making the most of the discount rates available to you.
Read our Nationwide animal insurance coverage evaluation.
Liberty Mutual Pet Insurance
AM Best Financial Strength Rating
A (Excellent)
Liberty Mutual Pet Insurance
AM Best Financial Strength Rating
A (Excellent)
compare policies and rates with Petted
Liberty Mutual Pet Insurance
Details
AM Best Financial Strength Rating
A (Excellent)
Pros & Cons
Available with all centers in the United States
It covers treatable pre-existing conditions
Stackable discount rates save you as much as $20
All protections have a 14-day waiting duration
Highlights
- Covers treatable pre-existing conditions
- Stackable discount rates save you as much as 20%
- Choose a deductible of $250, $500, or $1,000
- Policy will not end due to animal’s aging
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