Liberty Mutual Pet Insurance Review
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 21, 2024
Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.
And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.
We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.
UPDATED: Mar 21, 2024
Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.
And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.
On This Page
What’s New In 2021 For Liberty Mutual Pet Insurance?
Liberty Mutual Pet Insurance offers quality pet care insurance for pet owners across the United States. In 2021, they have implemented a few new changes to make caring for your pet’s health even easier.
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How Has Covid-19 Affected Liberty Mutual Pet Insurance?
Liberty Mutual Pet Insurance has vowed not to make any policy changes due to Covid-19. Liberty Mutual Pet Insurance continues to honor its commitment to your pet’s health with no age cancellation or enrollment limit.
New Products Or Changes
Liberty Mutual Pet Insurance now has three different animal coverage plans to choose from. These plans include:
- Accident Insurance
- Accident and Illness Coverage
- Accident, Illness, and Wellness Coverage
Each coverage option allows for visits to any vet in the United States and does not exclude emergencies.
Liberty Mutual Pet Insurance In The News
In an April 2021 PR Newswire Article, it was reported that most new pet owners who adopted their pet during the Covid-19 pandemic are foregoing pet insurance. This includes many pet owners canceling their Liberty Mutual Pet Insurance for already existing pets.
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2021 Latest Liberty Mutual Pet Insurance Reviews
According to BestPetInsurance.com, Liberty Mutual Pet Insurance has a rating of 3 out of 5 stars. With available discounts of up to 20% and included behavioral therapy, most reviewers leave positive to neutral reviews. The downfalls, according to BestPetInsurance.com include a ten day waiting period before insurance payment approval.
365PetInsurance.com gives Liberty Mutual Pet Insurance a 3.9 out of 5-star rating. With available wellness add-ons and no age limits, they rank nearly 4 out of 5 on all claims, deductibles, and reimbursements. The downside to Liberty Mutual Pet Insurance,ten-day according to 365PetInsurance.com includes a membership requirement that takes time to acquire.
As pet parents, you want the best for our furry friends. Pet health insurance can become expensive, especially if your pet has an accident with broken bones or cancer treatments. Even wellness exams can be an added on yearly expense.
Our team reviewed Liberty Mutual Pet Insurance for both their illness coverage and comprehensive coverage limits, customer satisfaction scores, and cost.
As a well-renown insurance provider, Liberty Mutual customers are offered various insurance products such as home insurance, auto insurance, life insurance, and now pet insurance.
As a Boston located company, Liberty Mutual Insurance Company is particularly known for its renters and homeowners insurance.
Liberty Mutual offers pet owners pet health insurance through their partner, Hartville Pet insurance.
How does Liberty Mutual compare with other pet insurance companies like Nationwide or Healthy Paws? Let’s take a look.
Need Pet Insurance?
FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!
Our Grade: B-
Hartville Pet Insurance has its pet insurance policies underwritten by C&F Insurance Agency, Inc. or United States Fire Insurance Company. A trademark of C&F Insurance Agency is Crum & Forster Pet Insurance Company.
Recently partnering with Crum & Forster Company, Hartville is also a partner with the American Society for the Prevention of Cruelty to Animals (ASPCA) which offers its own pet insurance policies.
In This Article:
Liberty Mutual Pet Insurance Highlights
- Behavioral and Alternative Therapy Coverage
- Only 14 days for Cruciate Ligament coverage
- 30-day money-back guarantee
- Wellness Care plans offered
Liberty Mutual Pet Insurance Plan Options
Liberty Mutual offers policyholders two coverage options as well as two add-on wellness plans:
Liberty Mutual Accident Only Insurance
Accident only insurance coverage is offered which means that any treatment or tests are covered if your pet has an accident or gets injured.
Illness is not covered under this plan.
Related: 10 Things You Must Know Before You Buy Pet Insurance
Complete Coverage
Their broadest coverage is called Complete Coverage which covers all accidents and illnesses with the widest range of tests and treatment coverage.
Some of the coverage included in this plan:
- All types of surgery
- Hospitalization
- Diagnostic tests
- Chronic and Hereditary conditions
- Behavioral issues
- Exam fees covered
- Prescriptions and prescribed food
- Treatment for cancer
- Eye issues
- Digestive Issues
- Hypothyroidism
- Microchip
- Knee injuries and ligament issues
Wellness Plans (Add-On)
Two different wellness plans offered with a maximum reimbursement payment annually.
If routine, preventative coverage is of interest to you, then you can add one of the two wellness plans to your pet insurance coverage. They are not offered independently.
Both plans have a list of different treatments or services that they offer and a set amount of money allotted for each treatment or service.
Both Plans Include:
- Routine Exam Fees
- Dental Cleaning
- Neutering
- Spaying
- Preventative Care Services
Their Basic wellness plan pays a set amount for each service and their Prime wellness plan pays more for those services. And offers more choices of treatments and services.
Real Cost Savings from PetFirst Clients
Luna
PetFirst saved his parents
$6,712
A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.
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Hereditary and Congenital Condition Coverage
Their Complete coverage plan covers any congenital condition or hereditary issue that are not already present upon coverage and then called pre-existing.
Hip dysplasia, with the Complete Coverage plan, will be covered only after 14 days which is really quick.
Most plans have a 6 month waiting period for hip dysplasia coverage.
Alternative Therapy
Alternative therapy if you choose their complete coverage plan is included.
Some examples of alternative therapy treatment are:
- physiotherapy
- all rehab therapy
- aqua, and
- hydrotherapy
Behavioral Issues
Behavioral issues are covered under their Complete Coverage plan and cover issues such as tail chasing, fur pulling, and excessive licking, and destructive chewing.
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Chronic Conditions
Chronic conditions are covered under the Complete Coverage plan as long as they aren’t pre-existing.
Chronic conditions are illnesses or conditions that need constant treatment like hay fever, skin allergies, different eye conditions, and even diabetes.
Benefit Limits
Benefit limits are the most money a pet insurance company will pay out each year.
With Liberty Mutual, the choices are from $5,000 to unlimited. Each year, you can change the benefit limit amount according to your dog or cats’ needs.
If you choose the unlimited benefit level (which we always recommend), you will have a higher monthly premium rate.
The wellness plans have a specific amount of money you can spend each year on the treatment or service that you use.
Real Cost Savings from PetFirst Clients
Gidget
PetFirst saved his parents
$2,194
Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.
Reimbursement Method
There are three reimbursement choices and they range from 70% to 90%.
If you want a lower monthly premium, you can choose the 70% reimbursement. But, then you would have to pay more of the medical bill.
You are reimbursed on the actual vet bill which is in line with the best pet insurance providers.
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Deductible Type
Liberty offers three annual deductible choices:
- $100
- $250
- $500
If you want a lower monthly premium than choose the $500 level.
What Is The Cost Of Liberty’s Pet Insurance?
The pet insurance offered by Liberty Mutual is in the higher range of all the companies we have reviews.
To help lower the costs, opt for the higher reimbursement range and a higher deductible amount.
- Pet insurance for dogs averages $48 a month.
- Pet Insurance for cats averages $19 a month.
The prices of the wellness plans are competitive:
- The Basic Wellness plan is another $9.95 per month.
- The Prime Plan is an added $24.95 a month.
If you enroll more than one dog or cat to your plan, you can get a discount.
Claims Process
Claims can be filled out through Hartville’s site and you can print it out and mail it, fax it or fill out a paperless directly online.
The claims are generally paid within 30 days but can be faster if you fill it out online.
Direct deposit is also available if that is of interest to you.
Read more: Is pet insurance paid monthly or yearly?
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Enrollment and Waiting Periods
Your dog or cat can be enrolled at eight weeks. There is no upper age restriction so your older pets are welcome here!
- Accident coverage begins right away.
- Illnesses are covered after 14 days.
- Cruciate ligament issues and hip dysplasia are covered after 14 days. (This is really quick!)
There is a 30-day free look or money-back guarantee if you decide you don’t want to be enrolled in their plan.
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The Best Pet Insurance By State
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5 Training Commands to Save Your Dog’s Life
The Ultimate Guide to Safe Foods for Dogs
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Frequently Asked Questions
Why sign up for Liberty Mutual Pet Insurance when you can go directly to Hartville?
If you are already enrolled in a plan by Liberty Mutual (libertymutual.com), like auto or homeowners, it can be easier to have all your coverage with the same company. Most insurance companies will give you a discount if you enroll in more than one policy which can be an added incentive.
What isn’t covered under Liberty Mutual Plans?
Pre-existing conditions, or those conditions or illnesses that your pet might have before enrollment won’t be covered. But, they will cover that illness if it has been cured for at least 6 months. Breeding or cosmetic procedures are not covered. Routine or preventative care is also not covered unless you add one of their wellness plans.
How does the pet insurance offered by Liberty Mutual via Hartville compare to other pet insurance plans?
Take a look at our Pet Insurance Comparison Chart and you can see how their plans compare to others.
Are there any discounts offered?
If you enroll more than one dog or cat, you can get a discount.
Can pets of all ages be enrolled with Liberty Mutual?
Yes. Cats and dogs of any age can be enrolled. The starting age Is 8 weeks old.
Is Liberty Mutual Pet Insurance Best For Your Pet?
If you want the most comprehensive coverage, then the complete coverage plan is the best option. But, you will pay more for this plan. Some other pet insurance companies are in our top 10 pet insurance companies that offer the same comprehensive coverage for less money.
The choice is yours. You can go to Liberty Mutual’s site to see if their pet insurance is right for you and your pet. Or go to Hartville directly to get a quote from them.
Enter your ZIP code below to view companies that have cheap pet insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.