Liberty Mutual

Liberty Mutual Pet Insurance 2025: Comprehensive Review & Key Takeaways

Liberty Mutual
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Our expert's opinion on Liberty Mutual

Last update: June 21, 2025
Liberty MutualLiberty Mutual
2.9
hellosafe-logoScore
Jordan Mitchell
Jordan Mitchell
Personal finance editor

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
Liberty MutualLiberty Mutual
2.9
hellosafe-logoScore
  • 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

Last update: June 21, 2025
Jordan Mitchell
Jordan Mitchell
Personal finance editor
  • 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
Liberty MutualLiberty Mutual
2.9
hellosafe-logoScore
  • 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
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.
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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 coverageCustomizable Plan: Liberty Mutual Pet Insurance
Plan positioningEssential 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 questionnaireNot 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.)
Comparison table of Liberty Mutual Pet Insurance customizable plan coverage details.
Plan positioning
Customizable Plan: Liberty Mutual Pet Insurance
Essential to comprehensive, mix-and-match options
Type of coverage (accident, illness, both, etc.)
Customizable Plan: Liberty Mutual Pet Insurance
Accident, Illness, Wellness (separate or bundled)
Animals covered (dogs, cats, other)
Customizable Plan: Liberty Mutual Pet Insurance
Dogs and cats only
Reimbursement rate (%)
Customizable Plan: Liberty Mutual Pet Insurance
70%, 80%, or 90% (chosen at enrollment)
Annual reimbursement limit
Customizable Plan: Liberty Mutual Pet Insurance
$5,000, $10,000, or $15,000 (customer selected)
Deductible (annual or per claim)
Customizable Plan: Liberty Mutual Pet Insurance
Annual: $250, $500, or $1,000
Age limits for enrollment (for dogs and cats)
Customizable Plan: Liberty Mutual Pet Insurance
No age limit; may affect premium and options
Pre-enrollment health questionnaire
Customizable Plan: Liberty Mutual Pet Insurance
Not Communicated (N.C.)
Waiting period (illness)
Customizable Plan: Liberty Mutual Pet Insurance
14 days
Waiting period (accident)
Customizable Plan: Liberty Mutual Pet Insurance
14 days
Lifetime coverage once subscribed
Customizable Plan: Liberty Mutual Pet Insurance
✅ No automatic termination due to age
Vet consultations (regular + emergency)
Customizable Plan: Liberty Mutual Pet Insurance
✅ Covered; all plans
Medications
Customizable Plan: Liberty Mutual Pet Insurance
✅ Prescription meds per policy
Hospitalization
Customizable Plan: Liberty Mutual Pet Insurance
✅ Covered
Surgery (including anesthesia)
Customizable Plan: Liberty Mutual Pet Insurance
✅ Covered
Diagnostic tests (X-ray, MRI, ultrasound, lab tests)
Customizable Plan: Liberty Mutual Pet Insurance
✅ Covered
Dental care (includes scaling and procedures)
Customizable Plan: Liberty Mutual Pet Insurance
✅ Scaling with Wellness plan; accident/illness procedures covered
Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping)
Customizable Plan: Liberty Mutual Pet Insurance
✅ With Wellness option: vaccines, spay/neuter, ID, more
Alternative medicine (osteopathy, acupuncture, etc.)
Customizable Plan: Liberty Mutual Pet Insurance
✅ Accident & Illness plans; not in FL or AK
Travel coverage (countries included, duration)
Customizable Plan: Liberty Mutual Pet Insurance
USA, US territories, Canada (short-term)
Civil liability
Customizable Plan: Liberty Mutual Pet Insurance
❌ Not included
Euthanasia
Customizable Plan: Liberty Mutual Pet Insurance
✅ Covered if medically necessary
Death & cremation coverage
Customizable Plan: Liberty Mutual Pet Insurance
✅ Accident/illness-related only
Theft or loss of pet + search expenses
Customizable Plan: Liberty Mutual Pet Insurance
❌ Not included
Boarding fees (if owner is hospitalized)
Customizable Plan: Liberty Mutual Pet Insurance
Not Communicated (N.C.)
Comparison table of Liberty Mutual Pet Insurance customizable plan coverage details.

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.

ExclusionsDetails
Medical exclusions
  • 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
Geographic exclusions
  • Expenses outside the US, US territories, or Canada
  • Services received in other countries
Administrative exclusions
  • 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
Identification exclusions
  • Costs for microchip registration/monitoring/renewal (implantation only covered)
Legal/natural event exclusions
  • Incidents related to war, terrorism, nuclear/biochemical events
  • Costs from epidemics, pandemics, avian influenza
  • Government-ordered slaughter
Non-medical exclusions
  • Boarding, grooming or non-medical supplies
  • Funeral/memorial/urns/caskets/burial fees
  • Racing, law enforcement, fighting, protection-related injuries
Table of exclusions
Medical exclusions
Details
  • 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
Geographic exclusions
Details
  • Expenses outside the US, US territories, or Canada
  • Services received in other countries
Administrative exclusions
Details
  • 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
Identification exclusions
Details
  • Costs for microchip registration/monitoring/renewal (implantation only covered)
Legal/natural event exclusions
Details
  • Incidents related to war, terrorism, nuclear/biochemical events
  • Costs from epidemics, pandemics, avian influenza
  • Government-ordered slaughter
Non-medical exclusions
Details
  • Boarding, grooming or non-medical supplies
  • Funeral/memorial/urns/caskets/burial fees
  • Racing, law enforcement, fighting, protection-related injuries
Table of exclusions

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 PlanAccident & Illness PlanAccident, 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
Animal Insurance Plans and Costs
Young cat (2–4 yrs)
Accident Plan
$18/month
Accident & Illness Plan
$26/month
Accident, Illness & Wellness Plan
$35/month
Senior cat (7–8 yrs)
Accident Plan
$24/month
Accident & Illness Plan
$34/month
Accident, Illness & Wellness Plan
$48/month
Small breed dog (2–4 yrs)
Accident Plan
$20/month
Accident & Illness Plan
$32/month
Accident, Illness & Wellness Plan
$44/month
Large breed dog (2–4 yrs)
Accident Plan
$29/month
Accident & Illness Plan
$42/month
Accident, Illness & Wellness Plan
$59/month
Senior dog (7–8 yrs)
Accident Plan
$41/month
Accident & Illness Plan
$61/month
Accident, Illness & Wellness Plan
$82/month
Animal Insurance Plans and Costs

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 CodesDetails
HelloSafe Promo Code-5% on your quote
Liberty Mutual Promo Codes and Details
HelloSafe Promo Code
Details
-5% on your quote
Liberty Mutual Promo Codes and Details

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.

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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.

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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.

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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 MutualAvailable?Details
Advance paymentNo advance payment offered. Owners pay vet bills up front and request reimbursement after treatment.
Payment facilitiesInstallment payment options for premiums may include an additional transaction fee.
Mobile appN.C.
Paperless claims processClaims can be managed and submitted via a secure online portal; documents uploaded electronically.
Emergency vet serviceDoes not provide a 24/7 emergency vet hotline or telemedicine consultation.
Vet/clinic partner networkNo partner network; coverage applies for licensed vets in eligible jurisdictions.
Coverage abroadCoverage limited to the USA (including its territories) and Canada; services outside these areas excluded.
Liberty Mutual Assistance Details
Advance payment
Available?
Details
No advance payment offered. Owners pay vet bills up front and request reimbursement after treatment.
Payment facilities
Available?
Details
Installment payment options for premiums may include an additional transaction fee.
Mobile app
Available?
Details
N.C.
Paperless claims process
Available?
Details
Claims can be managed and submitted via a secure online portal; documents uploaded electronically.
Emergency vet service
Available?
Details
Does not provide a 24/7 emergency vet hotline or telemedicine consultation.
Vet/clinic partner network
Available?
Details
No partner network; coverage applies for licensed vets in eligible jurisdictions.
Coverage abroad
Available?
Details
Coverage limited to the USA (including its territories) and Canada; services outside these areas excluded.
Liberty Mutual Assistance Details

Customer Reviews of Liberty Mutual

Review platformRating and number of reviews
Trustpilot1.1 / 5 (615 reviews)
Review platform ratings
Trustpilot
Rating and number of reviews
1.1 / 5 (615 reviews)
Review platform ratings

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 ServiceDetails
To get a quote or subscribe onlineYou 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 reimbursementFile and track claims via the online customer portal: https://pet.libertymutual.com/portal
Phone: 844-250-9199
Email: [email protected]
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 insuranceRequest via the customer portal
Phone: 844-250-9199
Email: [email protected]
To contact assistancePhone: 844-250-9199
Email: [email protected]
Customer portal: https://pet.libertymutual.com/portal
Hours: Mon-Fri 8am–9pm, Sat 10am–7pm EST
To cancel my policyPhone: 844-250-9199
Email: [email protected]
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.
Liberty Mutual Customer Service Contact Information and Details
To get a quote or subscribe online
Details
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
Details
File and track claims via the online customer portal: https://pet.libertymutual.com/portal
Phone: 844-250-9199
Email: [email protected]
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
Details
Request via the customer portal
Phone: 844-250-9199
Email: [email protected]
To contact assistance
Details
Phone: 844-250-9199
Email: [email protected]
Customer portal: https://pet.libertymutual.com/portal
Hours: Mon-Fri 8am–9pm, Sat 10am–7pm EST
To cancel my policy
Details
Phone: 844-250-9199
Email: [email protected]
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.
Liberty Mutual Customer Service Contact Information and Details

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.

Jordan Mitchell
Jordan Mitchell
Personal finance editor
HelloSafe
Jordan is a U.S.-based personal finance editor with over a decade of experience in financial literacy and consumer advocacy. He holds a BA in Economics from the University of California, Berkeley, and a CFP® certification. Before joining HelloSafe, Jordan worked as a financial advisor and later as lead content strategist at several fintech startups. His mission: making money management clear, relatable, and empowering for everyday Americans. At HelloSafe, he writes in-depth guides on topics like insurance, credit, loans, savings, and budgeting—focused on helping readers make smart, confident financial choices.

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