Liberty Mutual Pet Insurance Review (2023)

Pet insurance coverage can help cover the cost of veterinary care and deal comfort if your family pet experiences an emergency situation or gets seriously ill. In this Liberty Mutual family pet insurance coverage evaluation, see how you can customize family pet insurance protection to satisfy your family pet’s requirements and your spending plan.

We at the Guides Home Team have actually looked into protection alternatives, collected sample quotes and examined numerous consumer evaluates to figure out the leading family pet insurance provider. Read on to learn more about your protection alternatives with Liberty Mutual family pet insurance coverage.

With over 100 years in the insurance coverage market, Liberty Mutual family pet insurance coverage is a good option if you value stability and quality. Liberty Mutual is among the biggest property and casualty insurance companies in the nation, offering occupants and home insurance coverage, car insurance coverage and life insurance coverage because 1912. The Boston-based business included family pet insurance coverage to its offerings in 2007 with policies financed by the United States Fire Insurance Company.

With Liberty Mutual, you can select from mishap-only, accident and health problem and optional health protection for your family pet. Plus, existing Liberty Mutual clients with numerous animals can receive stackable discount rates to decrease regular monthly premiums.

Liberty Mutual provides 3 kinds of family pet insurance coverage strategies. Its base strategy is the least costly alternative and covers mishaps just, whereas the mishap and health problem strategy covers veterinary services if your family pet gets hurt or ends up being ill. You can include wellness protection to a mishap and health problem strategy, which covers regular care services like physical exams and oral cleansings as much as a repaired quantity.

Accident Plan

The mishap strategy is the most budget-friendly alternative for Liberty Mutual family pet protection. While it does not use health problem protection, it consists of the following:

• Accidental injuries, consisting of damage to irreversible teeth
• Anesthesia for emergency situation treatments
• Foreign body consumption (optimum of 2 treatments per policy term)
• Accidental death, cremation and burial expenditures
• Euthanasia (if associated with a covered mishap)

Accident and Illness Plan

The mishap and health problem strategy covers whatever that’s consisted of in the mishap strategy plus health problems like cancer, influenza, kennel cough and more. Coverage consists of the following:

• Treatments associated to mishaps and health problems
• Alternative treatments and medication (such as acupuncture and hydrotherapy)
• Behavioral treatment
• Hereditary conditions
• Congenital conditions (like hip dysplasia)

Accident, Illness and Wellness Plan

The mishap, health problem and health strategy offers the most extensive protection — however it’s likewise the most costly. This strategy covers whatever consisted of in the mishap and health problem strategy, plus the listed below regular health care services.

• Routine health examinations ($50)
• Intestinal parasite treatment ($25)
• Vaccinations ($50)
• Routine oral cleansing ($100)
• Spaying or neutering ($100)
• Flea and tick avoidance ($50)
• Heartworm test ($25)
• Fecal assessment ($25)
• Prescription medications ($50)
• Food and vitamin supplements ($50)

As you might see, each treatment consists of an advantage limitation or the quantity Liberty Mutual will cover for each service. The business will compensate you for 100% of pet medical expense costs as much as each showed limitation.

Liberty Mutual provides a number of alternatives for policy deductibles, repayment rates and yearly protection limitations, which you can tailor to fit your spending plan.

Deductible Options

An yearly deductible is what you need to pay of pocket prior to Liberty Mutual will cover your family pet’s medical expenditures. The lower your deductible, the greater your regular monthly premium cost.

Liberty Mutual family pet insurance coverage policyholders can select from the following deductible alternatives: $250, $500 or $1,000.

If you acquire a family pet medical insurance strategy that consists of wellness protection, no deductible is needed to submit a preventive care claim.

Reimbursement Rates

Your repayment rate is the portion of a sent claim that Liberty Mutual will pay after you reach your deductible. Liberty Mutual provides the following repayment rate alternatives: 70%, 80% or 90%.

So if you have a $250 deductible and an 80% repayment rate, Liberty Mutual will cover 80% of your sent veterinarian expenses after you reach your $250 deductible.

Annual Limit Options

Your yearly limitation is the optimal dollar quantity that Liberty Mutual will compensate you each year. Liberty Mutual’s yearly limitation alternatives are $5,000, $10,000 or $15,000. Like with other insurance coverage items, a greater yearly limitation can increase your regular monthly premium.

Exclusions specify circumstances or conditions that are not covered by an insurance coverage strategy. The following services are not covered by Liberty Mutual family pet insurance coverage:

• Pre-existing conditions
• Breeding and pregnancy-related care and expenditures
• Organ and tissue transplants
• Experimental treatments
• Hereditary and genetic conditions (just left out from accident-only protection)

Most family pet insurance provider need waiting durations prior to brand-new insurance policy holders can start the claims procedure. Liberty Mutual will think about any pet health conditions that emerge throughout your waiting duration as pre-existing, and it will not cover treatment.

Liberty Mutual extends a 14-day waiting duration throughout all its strategies. This consists of mishaps, health problems and preventative care. On the contrary, most pet insurance coverage service providers need much shorter or no waiting durations for mishap protection.

Based on sample quotes we collected, the typical regular monthly cost for a Liberty Mutual accident-only strategy is $23.21 each month for adult dogs and $10.68 for adult cats. An mishap and health problem strategy expenses around $59.09 each month for dogs and $28.67 for cats. The most extensive protection — the mishap, health problem and health strategy — expenses around $91.39 each month for dogs and $59.56 for cats.

The precise cost of family pet insurance coverage will depend upon your family pet’s age, breed and place. We advise you get a quote from Liberty Mutual for more particular insurance coverage rates.

Discounts and Deals

Liberty Mutual provides numerous discount rates for family pet insurance coverage policyholders, consisting of:

• Multi-policy bundling with house owners insurance coverage, vehicle insurance coverage or other Liberty Mutual protection
• Multi-pet protection for more than one family pet
• Active or retired military veterans

We have actually checked out numerous consumer evaluates to help you comprehend the experience as a Liberty Mutual insurance policy holder. Liberty Mutual has an A+ score with the Better Business Bureau (BBB) since April 2023. However, it does not have the very best rankings in regards to client service — the business holds 1.1 out of 5 stars on the BBB website.

While pleased clients reported positive client service experiences, other insurance policy holders grumbled about the quality of assistance they received. Note that the above rankings and following evaluations are for Liberty Mutual as a business, not particularly its family pet insurance coverage.

“Very competitive pricing on premiums. I have received quality, honest and professional service.”—Carol S. through the BBB

“My experience with Liberty Mutual has [gone] exceptionally well. My claims adjuster handled my claim professionally, promptly and efficiently, making the claims process a positive experience. It was a pleasure to work with her.”—Will M. through the BBB

“I wish I could score zero [stars]. My insurance policy increased and I found one for half of what [Liberty Mutual] is charging. I called to cancel and instead of transferring you to a representative, the automated system gives you the call center hours, says it is closed and hangs up.”—LaToya M. through the BBB

“[Liberty Mutual} has terrible customer service, does not call or email you back and are beyond rude when you finally do hear from [a representative].”—Olivia J. through the BBB

Liberty Mutual family pet insurance coverage is available in all 50 U.S. states.

If you are a present and pleased Liberty Mutual consumer, you can include family pet insurance coverage at an affordable rate with a business you understand and trust. But brand-new clients can likewise make the most of Liberty Mutual’s personalized family pet insurance coverage advantages and budget-friendly strategy alternatives. With 3 strategies to select from — consisting of extensive mishap, health problem and health protection — Liberty Mutual provides family pet insurance coverage to cover your animal’s emergency situation and regular requirements.

Visit Liberty Mutual’s website to get a totally free quote and choose if this supplier is ideal for you and your family pet. If you are on a spending plan, you can take a look at our guide to the least expensive family pet insurance coverage for more budget-friendly policies.

Our evaluation of family pet insurance provider is based upon extensive market research study that consists of reading numerous consumer evaluations, scoping quote and acquiring procedures by secret shopping, talking to agents on the phone to evaluate the client service experience, and surveying 1,000 dog and cat owners across the country to figure out the most essential components of family pet insurance protection.

We scored each supplier on a 100-point scale based upon those components. We then divided this last rating by 20 to determine a total star score out of 5.0 stars.

Here are more information about each element and how it’s weighted:

• Monthly rates (25 points): The finest family pet insurance provider integrate extensive protection and strategy alternatives with budget-friendly rates.
• Plans (15 points): The leading family pet insurance provider use accident-and-illness strategies, accident-only strategies and health or preventive care add-ons to offer clients the alternative to pick a strategy that’s finest for their family pet.
• Covered treatments (15 points): We scored business based upon the treatments and treatments they cover. Companies with a breadth of consisted of treatments and distinct protections received more points than service providers with more basic or basic policies.
• Customization alternatives (10 points): Providers with more annual-limit, deductible and reimbursement-rate alternatives made the greatest ratings.
• Customer care (10 points): We scored business on their website ease of access and total use, client service schedule, mobile apps (if any), money-back assurances and vet telehealth alternatives, granting indicate the insurance companies with more consumer experience offerings.
• Industry track record (10 points): We examined updated rankings and accreditation details from the Better Business Bureau (BBB) and scored business on their years of experience in the market and their state schedule.
• Waiting durations (10 points): Companies with much shorter mishap, health problem and orthopedic waiting durations in between the sign-up and protection start date scored greater than business with longer waiting durations.
• Eligible age (5 points): Some business don’t use policies for animals that are over a specific age. We subtracted points from service providers that have age limitations for covered animals.

We utilize our score system to compare and contrast each business versus essential aspects to help us figure out the very best family pet insurance provider in the market. To learn more, read our complete family pet insurance coverage method for evaluating and scoring service providers.

Angela Beal, DVM likes utilizing her writing to help family pet owners supply the very best possible look after their furry buddies. Angela has actually operated in personal practice and taught veterinary service technicians for 15 years. Since 2020, she has actually worked full-time with Rumpus Writing and Editing, a veterinary-specific writing and modifying business. Angela resides in Columbus, Ohio with her partner, 2 kids, and their ruined Chihuahua mix, Yogi.

Tori Addison is an editor with over 5 years of experience in the digital marketing market. Her consists of interactions and marketing operate in the not-for-profit, governmental and scholastic sectors. A reporter by trade, she began her profession covering politics and news in New York’s Hudson Valley. Her work consisted of protection of regional and state spending plans, federal monetary guidelines and healthcare legislation.