Liberty Mutual Pet Insurance Review 2021

We’ve covered many insurances, and we came to the conclusion that this one is among the top insurances in the industry. We’re certain that our Liberty Mutual Review will help you if you’re looking for the ideal insurance for your pet.

Liberty Mutual Pet Insurance Review
Cats & Dogs Best for
3 /5
$ 19 /mo
Starting Price
Table of Contents
    Written by Aneta Mircevska Updated on September 1, 2021

    We’ve covered many insurances, and we came to the conclusion that this one is among the top insurances in the industry. We’re certain that our Liberty Mutual Review will help you if you’re looking for the ideal insurance for your pet.

    The Liberty Mutual pet insurance is especially popular among dog and cat owners. The reason for its popularity is due to the fact they offer many options with their plans. Pet owners can choose from different reimbursement amounts and deductibles. 

    Liberty Mutual offers different types of pet insurance policies, including complete coverage policies and accident-only policies. If you want to know more about the policies that this company has to offer, make sure you keep on reading our Liberty Mutual review!

    Bottom Line

    Liberty Mutual has three pet insurance policies you can choose from, so you can be sure that there will be a policy that will fit your needs and your budget. To create the perfect plan for your pet, you can customize your plan with add-ons.

    About Liberty Mutual

    Liberty Mutual Insurance Company is an insurance company that offers a wide variety of insurance policies, including pet insurance, health insurance, auto insurance, property insurance, and insurance for homeowners. The United States Fire Insurance Company underwrites their policies, and they come with a 30-day money-back guarantee.


    • Covers alternative and behavioral therapy coverage
    • It has a 30-day money-back guarantee
    • You can get to any vet you want
    • It covers a wide range of accidents and illnesses
    • Offers a wellness care plan
    • No cancellation due to age
    • You can customize the plan
    • Stackable discounts can save you up to 20%


    • It can be used only by current Liberty Mutual customers
    • Claims can take up to 30 days to be cleared for payment

    Let’s See Some Details About This Provider

    Exam Period

    The website doesn’t mention anything about an exam period needed to enroll in the insurance plan.

    Pre-existing Conditions

    The pet insurance policies do not cover any pre-existing conditions.

    Customer Service

    In case any issues arise, you can speak to a member of the customer support staff over the phone or by mail. They are available from Monday to Saturday, six days a week.

    Waiting Periods

    The plans have a 14-day waiting period until you can start submitting claims. The average of the industry is also 14 days, so the waiting period is pretty standard. Some providers have a six-month waiting period for hip dysplasia, and with this insurance, you don’t have to wait at all.


    After you’ve paid the deductible and the bill, reimbursements are paid. You can choose from three different reimbursement levels: 70%, 80%, or 90%. The premium will be lower If you choose a lower reimbursement.


    A deductible is the amount of money you need to pay every year before the insurance will pay on a covered claim. This company offers the choice of a $100, $250, and $500 deductible. The premium is higher if you choose a lower deductible.


    This company offers three types of policies. The Accident coverage covers accidental death, ingestion of a foreign object, euthanasia or anesthesia, and accidental injuries.

    The Accident and Illness coverage covers everything that the Accident coverage does, plus hereditary and congenital conditions, behavioral therapy, alternative therapy, and illnesses including kennel cough, influenza, and cancer.

    Lastly, the Accident, Illness, and Wellness coverage cover everything that the Accident and Illness policy covers, plus boosters and vaccinations, prescription, dietary food and supplements, heartworm tests and medications, flea and tick prevention, spaying/neutering, routine dental cleaning, intestinal deworming, and wellness exams.


    An average policy for a cat is around $19 per month, while an average policy for a dog is about $48 per month. The price of the policy will be determined by the options you’ve chosen to customize your plan.

    What Do We Think About Liberty Mutual?

    What We Think About the Waiting Periods?

    The waiting periods fit the standard of the pet insurance industry. What makes Liberty Mutual in the lead from its competitors is that they don’t have a waiting period when it comes to hip dysplasia. We are mentioning this fact since many pet insurance providers have a waiting period of six months for this condition.

    Do They Have Good Plans?

    This pet insurance offers three types of policies. They offer Accident coverage, Accident and Illness Coverage, and Accident, Illness and Wellness coverage. The wellness add-on includes preventative care services and routine exam fees.

    Do They Have Good and Wide Coverage?

    Liberty Mutual offers wide coverage when compared to its competitors. The Complete Coverage policy covers knee injuries and ligament issues, cancer treatment, hypothyroidism, prescription food and prescription medication, examination fees, digestive issues, microchipping, hospitalization, diagnostic testing, eye issues, and all types of surgery.

    Are They Worth the Cost?

    Generally, Liberty Mutual is an affordable option for pet owners who are working on a tight budget. Cats can be insured for 19$ per month on average, while dogs can be insured for $48 per month on average.

    Do They Have Good Customer Support Service?

    Members of the customer support team can be reached through phone or email, and they are available all days of the week except one – Sunday.


    Liberty Mutual Insurance

    Waiting Periods








    Customer service


    Average score



    Our Final Thoughts: Is Liberty Mutual Worth It?

    Liberty Mutual offers a lot of options you can choose from, and the prices are affordable and decent. The only thing that is a setback for this company is the waiting period of 30 days for reimbursements.

    A complete coverage plan is the best option if you want the most comprehensive plan. However, this plan is also the most expensive one. Make sure you visit the site of Liberty Mutual to see if their pet insurance fits your needs and the needs of your pet.