Liberty Mutual Pet Insurance 2025: Comprehensive Review & Key Takeaways
Our expert's opinion on Liberty Mutual
Liberty Mutual Pet Insurance provides cat and dog owners with flexible, customizable policies covering accidents, illnesses, and wellness, with annual maximums from $5,000 to $15,000, reimbursement rates up to 90%, and deductibles starting at $250, allowing policies to be adapted for a range of needs and budgets.The plan sits competitively among national brands, with broad base coverage and premium pricing that matches its large-carrier peers, enhanced by tiered wellness riders, but lacks advanced digital-first claims compared to new insurtechs.Liberty Mutual best suits owners of younger pets seeking lifetime coverage who want to customize limits and manage moderate to high unexpected costs, or those preferring to bundle with existing Liberty Mutual policies for maximum discounts.As a Fortune 100 insurer with over $48 billion in annual revenue and a substantial US presence, Liberty Mutual offers strong financial reliability, but its Trustpilot score is extremely low (1.1/5, 615 reviews), primarily due to claims handling and customer service complaints, and the typical claims processing time for pet policies is approximately 10 business days after all documents are received.
- ✅Highly customizable plans: deductible, reimbursement, annual limit
- ✅No age-based policy termination for older pets
- ✅Covers hereditary, congenital, and breed-specific conditions
- ✅Optional wellness and preventive care add-ons
- ✅Significant stackable discounts, especially for multi-policy holders
- ✅Covers alternative and behavioral treatments
- ✅Large, financially stable insurer
- ❌Extremely poor Trustpilot score: 1.1/5 from 615 reviews
- ❌Persistent negative claims experience and service feedback
- ❌No coverage for pre-existing or incurable conditions
- ❌Annual limits may be low for high-cost cases
- ❌Lacks fully digital-first, paperless claims experience
Score- ✅Highly customizable plans: deductible, reimbursement, annual limit
- ✅No age-based policy termination for older pets
- ✅Covers hereditary, congenital, and breed-specific conditions
- ✅Optional wellness and preventive care add-ons
- ✅Significant stackable discounts, especially for multi-policy holders
- ✅Covers alternative and behavioral treatments
- ✅Large, financially stable insurer
Our expert's opinion on Liberty Mutual
- ✅Highly customizable plans: deductible, reimbursement, annual limit
- ✅No age-based policy termination for older pets
- ✅Covers hereditary, congenital, and breed-specific conditions
- ✅Optional wellness and preventive care add-ons
- ✅Significant stackable discounts, especially for multi-policy holders
- ✅Covers alternative and behavioral treatments
- ✅Large, financially stable insurer
- ❌Extremely poor Trustpilot score: 1.1/5 from 615 reviews
- ❌Persistent negative claims experience and service feedback
- ❌No coverage for pre-existing or incurable conditions
- ❌Annual limits may be low for high-cost cases
- ❌Lacks fully digital-first, paperless claims experience
Score- ✅Highly customizable plans: deductible, reimbursement, annual limit
- ✅No age-based policy termination for older pets
- ✅Covers hereditary, congenital, and breed-specific conditions
- ✅Optional wellness and preventive care add-ons
- ✅Significant stackable discounts, especially for multi-policy holders
- ✅Covers alternative and behavioral treatments
- ✅Large, financially stable insurer
Why Trust HelloSafe?
At HelloSafe, our pet insurance experts annually review the terms and prices of insurance policies available on the market to provide you with reliable and unbiased analysis. Thanks to this thorough approach, hundreds of thousands of users across the United States trust us each month to guide them in making important financial decisions.
Liberty Mutual Guarantees
Liberty Mutual’s pet insurance stands out for its highly customizable plans, allowing pet owners to choose annual limits (from $5,000 up to $15,000), deductibles ($250–$1,000), and reimbursement rates (70%, 80%, or 90%) to precisely match their budget and needs.
Unlike many competitors, Liberty Mutual does not terminate policies due to pet age—lifetime coverage remains available for enrolled pets.
A comprehensive Accident, Illness & Wellness option includes not only standard medical care but also preventive services such as annual exams, vaccines, and dental cleaning, a significant advantage for owners seeking all-inclusive protection.
However, pre-existing conditions are strictly excluded, and coverage for alternative medicine is not available in all states, with certain state-specific exclusions applying.
Liberty Mutual’s flexibility, broad coverage, and built-in wellness option are key strengths, but consumers should review policy wording to understand deductible application, exclusions, and regional limitations.
| Name of coverage | Customizable Plan: Liberty Mutual Pet Insurance |
|---|---|
| Plan positioning | Essential to comprehensive, mix-and-match options |
| Type of coverage (accident, illness, both, etc.) | Accident, Illness, Wellness (separate or bundled) |
| Animals covered (dogs, cats, other) | Dogs and cats only |
| Reimbursement rate (%) | 70%, 80%, or 90% (chosen at enrollment) |
| Annual reimbursement limit | $5,000, $10,000, or $15,000 (customer selected) |
| Deductible (annual or per claim) | Annual: $250, $500, or $1,000 |
| Age limits for enrollment (for dogs and cats) | No age limit; may affect premium and options |
| Pre-enrollment health questionnaire | Not Communicated (N.C.) |
| Waiting period (illness) | 14 days |
| Waiting period (accident) | 14 days |
| Lifetime coverage once subscribed | ✅ No automatic termination due to age |
| Vet consultations (regular + emergency) | ✅ Covered; all plans |
| Medications | ✅ Prescription meds per policy |
| Hospitalization | ✅ Covered |
| Surgery (including anesthesia) | ✅ Covered |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ Covered |
| Dental care (includes scaling and procedures) | ✅ Scaling with Wellness plan; accident/illness procedures covered |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | ✅ With Wellness option: vaccines, spay/neuter, ID, more |
| Alternative medicine (osteopathy, acupuncture, etc.) | ✅ Accident & Illness plans; not in FL or AK |
| Travel coverage (countries included, duration) | USA, US territories, Canada (short-term) |
| Civil liability | ❌ Not included |
| Euthanasia | ✅ Covered if medically necessary |
| Death & cremation coverage | ✅ Accident/illness-related only |
| Theft or loss of pet + search expenses | ❌ Not included |
| Boarding fees (if owner is hospitalized) | Not Communicated (N.C.) |
Good to know: Annual checkups are reimbursed up to $100/year with the Wellness plan, and customers can qualify for up to 20% savings through discount bundles with other Liberty Mutual policies.
Compare several pet insurance plans to find the coverage and premium that best fit your pet’s needs and your budget.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Liberty Mutual Exclusions
Liberty Mutual’s exclusion list reflects standard US pet insurance practice but stands out for strictly and permanently excluding all pre-existing conditions, including those with any prior symptoms during the waiting period, most notably for knee and ligament issues.
Curable conditions are only reconsidered after a 180-day symptom-free period, though knee and ligament conditions remain excluded for life if pre-existing.
Other notable exclusions include alternative therapies not performed by a licensed veterinarian, dental cleanings not tied to a covered illness or available only by endorsement, and any costs related to cosmetic, elective, or preventive procedures unless added via a wellness plan.
Claims for experimental treatments, herbal/cannabis products, non-veterinary administrative fees, or events such as epidemics and war are also not eligible.
Policy territory is limited to the US (including territories) and Canada, so treatments abroad are not covered.
| Exclusions | Details |
|---|---|
| Medical exclusions |
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| Geographic exclusions |
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| Administrative exclusions |
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| Identification exclusions |
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| Legal/natural event exclusions |
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| Non-medical exclusions |
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- All pre-existing conditions, including those arising during waiting period
- Knee/ligament conditions with any prior symptoms (permanently excluded)
- Dental procedures (unless tied to covered illness or by endorsement)
- Preventive care not selected as add-on
- Experimental/investigational treatments meds
- Alternative medicine not performed by a licensed vet
- Breeding, whelping, pregnancy
- Cosmetic, elective, or non-essential procedures
- Expenses outside the US, US territories, or Canada
- Services received in other countries
- Non-veterinary/admin fees (records requests, postage, taxes, waste disposal)
- Training or training devices
- Treatment by owner, co-owner, or family
- House calls/travel fees
- Costs for microchip registration/monitoring/renewal (implantation only covered)
- Incidents related to war, terrorism, nuclear/biochemical events
- Costs from epidemics, pandemics, avian influenza
- Government-ordered slaughter
- Boarding, grooming or non-medical supplies
- Funeral/memorial/urns/caskets/burial fees
- Racing, law enforcement, fighting, protection-related injuries
Liberty Mutual Prices
Liberty Mutual is typically positioned as mid-range in the US pet insurance market, balancing flexible customization, moderate reimbursement rates, and accessible coverage for both young and senior pets.
Monthly premiums are not the lowest but reflect the ability to select higher annual maximums and lower deductibles, which increase comprehensiveness and out-of-pocket predictability.
Optional wellness coverage and access to both core and alternative treatments make Liberty Mutual more robust than basic competitors, while digital claims and bundle discounts can improve affordability for some.
<br/> However, it is not the least expensive option—higher reimbursement and extensive wellness coverage will place premiums above budget-first players, but still below the market’s most premium, unlimited providers.
Liberty Mutual’s pricing appeals most to pet owners seeking a reliable blend of cost and robust benefits, rather than stripped-down value or luxury extras.
| Accident Plan | Accident & Illness Plan | Accident, Illness & Wellness Plan | |
|---|---|---|---|
| Young cat (2–4 yrs) | $18/month | $26/month | $35/month |
| Senior cat (7–8 yrs) | $24/month | $34/month | $48/month |
| Small breed dog (2–4 yrs) | $20/month | $32/month | $44/month |
| Large breed dog (2–4 yrs) | $29/month | $42/month | $59/month |
| Senior dog (7–8 yrs) | $41/month | $61/month | $82/month |
Compare plans and prices to find the best combination of protection and value for your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Liberty Mutual Promo Codes
| Liberty Mutual Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
Liberty Mutual Reimbursement Details
With Liberty Mutual’s highest-tier Accident, Illness & Wellness plan, you pay your veterinarian directly and submit a claim; after your deductible is met, you are reimbursed a percentage of any eligible expenses up to your chosen annual limit, helping to reduce your out-of-pocket costs for unexpected care.
Emergency surgery for stomach foreign body - Reimbursement Example
Total veterinary costs: $2,000 (surgery, hospitalization, medication)
Annual deductible: $250 (if not already satisfied that policy year)
Amount subject to reimbursement: $2,000 – $250 = $1,750
Reimbursement rate: 90% × $1,750 = $1,575
👉 You receive $1,575, and your out-of-pocket is $425.
ℹ️ The annual deductible applies once per year per pet, making subsequent claims even more beneficial.
Cancer Treatment Reimbursement
Ongoing cancer treatment (chemotherapy)
Total veterinary costs: $3,000
Annual deductible already applied with an earlier claim
Reimbursement at 90%: $3,000 × 90% = $2,700
👉 You receive $2,700, with your out-of-pocket cost at $300.
ℹ️ Because the deductible has already been met for the policy year, all further reimbursable expenses are covered at 90% up to your annual limit.
Annual Preventive Care Package
Annual preventive care package (wellness exam, vaccines, spay/neuter)
Total preventive care costs: $450 (wellness checkup $100, core vaccines $100,
spay/neuter $250)
Annual deductible does not apply to wellness benefits
Wellness benefit maximum: $450 reimbursed (up to plan’s annual preventive care cap)
👉 You receive up to $450 back, reducing your preventive care out-of-pocket costs to $0.
ℹ️ Liberty Mutual’s highest-tier plan includes a dedicated wellness benefit, separate from sick care reimbursement limits and annual deductible.
Liberty Mutual Assistance
| Assistance Liberty Mutual | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment offered. Owners pay vet bills up front and request reimbursement after treatment. |
| Payment facilities | ❌ | Installment payment options for premiums may include an additional transaction fee. |
| Mobile app | ❌ | N.C. |
| Paperless claims process | ✅ | Claims can be managed and submitted via a secure online portal; documents uploaded electronically. |
| Emergency vet service | ❌ | Does not provide a 24/7 emergency vet hotline or telemedicine consultation. |
| Vet/clinic partner network | ❌ | No partner network; coverage applies for licensed vets in eligible jurisdictions. |
| Coverage abroad | ❌ | Coverage limited to the USA (including its territories) and Canada; services outside these areas excluded. |
Customer Reviews of Liberty Mutual
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 1.1 / 5 (615 reviews) |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Liberty Mutual for their pets mention:
- ✅ A broad range of insurance products and the trust associated with a large, established insurance provider.
- ✅ Occasional positive outcomes on straightforward claims, and some policyholders value the lifetime coverage guarantee for pets of any age.
- ✅ Availability of customizable plan options and potential discounts when bundling with other Liberty Mutual policies.
On the negative side:
- ❌ A high volume of reports concerning denied, delayed, or severely reduced claim reimbursements, often attributed to technicalities or documentation issues.
- ❌ A persistent dissatisfaction with customer service, including unresponsive or disrespectful interactions and poor follow-through on complaints or escalations.
- ❌ Frequent complaints about unexpected premium increases and challenges in obtaining timely refunds or resolving billing issues.
- ❌ Numerous allegations of aggressive collections practices, errors in policy administration, and lack of clear communication during claims or policy changes.
- ❌ Limited digital tools or mobile app functionality, and a lack of value-added assistance services compared to some newer competitors.
How to contact Liberty Mutual?
| Liberty Mutual Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | File and track claims via the online customer portal: https://pet.libertymutual.com/portal Phone: 844-250-9199 Email: service@pet.libertymutual.com Required documents: completed claim form, itemized veterinary invoice, supporting medical records. Payment is made to the policyholder by method on file. Average processing time: about 10 business days after all documents received. |
| To obtain a certificate of insurance | Request via the customer portal Phone: 844-250-9199 Email: service@pet.libertymutual.com |
| To contact assistance | Phone: 844-250-9199 Email: service@pet.libertymutual.com Customer portal: https://pet.libertymutual.com/portal Hours: Mon-Fri 8am–9pm, Sat 10am–7pm EST |
| To cancel my policy | Phone: 844-250-9199 Email: service@pet.libertymutual.com Mail: Liberty Mutual, 175 Berkeley Street, Boston, MA 02116 Request must be in writing (email/mail) or by phone. Attach policy number and, if after the “free look” period, reason for cancellation. Unused premium refunded if within 30 days and no claims; otherwise prorated based on usage. No specific notice period stated, but written notification recommended. |
Phone: 844-250-9199
Email: service@pet.libertymutual.com
Required documents: completed claim form, itemized veterinary invoice, supporting medical records.
Payment is made to the policyholder by method on file.
Average processing time: about 10 business days after all documents received.
Phone: 844-250-9199
Email: service@pet.libertymutual.com
Email: service@pet.libertymutual.com
Customer portal: https://pet.libertymutual.com/portal
Hours: Mon-Fri 8am–9pm, Sat 10am–7pm EST
Email: service@pet.libertymutual.com
Mail: Liberty Mutual, 175 Berkeley Street, Boston, MA 02116
Request must be in writing (email/mail) or by phone.
Attach policy number and, if after the “free look” period, reason for cancellation.
Unused premium refunded if within 30 days and no claims; otherwise prorated based on usage.
No specific notice period stated, but written notification recommended.
FAQ
Do I have to pay upfront for veterinary fees with Liberty Mutual?
Yes, you must pay the veterinarian directly at the time of service. Liberty Mutual reimburses you after you submit a claim and required documentation—there is no advance payment or direct payment system available for veterinary fees.
How do I cancel my pet insurance policy with Liberty Mutual?
To cancel your policy, contact Liberty Mutual by phone, email, or in writing. You may cancel at any time, but if you want a full refund (within 30 days and no claims filed), request the cancellation in writing with your policy number; otherwise, a pro-rated refund applies based on your usage.
What expenses are covered by Liberty Mutual pet insurance?
Liberty Mutual’s pet insurance can cover a range of veterinary costs, including accidents, illnesses, surgeries, hospitalization, diagnostics, prescription medications, and in higher-tier plans, preventive care. Exclusions apply, such as pre-existing conditions and, for basic plans, routine wellness visits. Review your policy and selected plan for the full list of what’s covered.
How do I file a claim with Liberty Mutual?
Claims can be filed online through the customer portal, and you must attach your itemized veterinary invoice, completed claim form, and any supporting medical records. You receive reimbursement by check or direct deposit after approval. Claims are usually processed within about 10 business days if all documents are complete.
Is preventive care like vaccines and annual exams covered?
Preventive care coverage, including vaccines, annual exams, and dental cleanings, is only available if you select the Accident, Illness & Wellness plan. For other plan options, preventive and routine care are not included. Check your policy details to ensure you have the desired level of preventive coverage.
Do I have to pay upfront for veterinary fees with Liberty Mutual?
Yes, you must pay the veterinarian directly at the time of service. Liberty Mutual reimburses you after you submit a claim and required documentation—there is no advance payment or direct payment system available for veterinary fees.
How do I cancel my pet insurance policy with Liberty Mutual?
To cancel your policy, contact Liberty Mutual by phone, email, or in writing. You may cancel at any time, but if you want a full refund (within 30 days and no claims filed), request the cancellation in writing with your policy number; otherwise, a pro-rated refund applies based on your usage.
What expenses are covered by Liberty Mutual pet insurance?
Liberty Mutual’s pet insurance can cover a range of veterinary costs, including accidents, illnesses, surgeries, hospitalization, diagnostics, prescription medications, and in higher-tier plans, preventive care. Exclusions apply, such as pre-existing conditions and, for basic plans, routine wellness visits. Review your policy and selected plan for the full list of what’s covered.
How do I file a claim with Liberty Mutual?
Claims can be filed online through the customer portal, and you must attach your itemized veterinary invoice, completed claim form, and any supporting medical records. You receive reimbursement by check or direct deposit after approval. Claims are usually processed within about 10 business days if all documents are complete.
Is preventive care like vaccines and annual exams covered?
Preventive care coverage, including vaccines, annual exams, and dental cleanings, is only available if you select the Accident, Illness & Wellness plan. For other plan options, preventive and routine care are not included. Check your policy details to ensure you have the desired level of preventive coverage.
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