Compare Liberty Mutual Pet Insurance

Comparison Fact Sheet
Updated 9/04/2024

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name Liberty Mutual
Also Known As / Affiliates / Partners Liberty Mutual policies are managed by Companion Protect
Address 175 Berkeley Street
Boston, MA 02116
Phone 1-844-250-9199
Website pet.libertymutual.com
Plans That Provide Full Accident and Illness Coverage Liberty Mutual Accident and Illness Plan *
States Covered Not Clear
Underwriter and AM Best Financial Strength Rating Insurance underwritten by Liberty Mutual Fire Insurance Company. which has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 9/4/2024.

For the most recent ratings go to: AM Best
Year Company Started It is not clear when the pet insurance branch started.

 

Policy Basics
Policy Term 12 months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Minimum age = 8 weeks old

Maximum age = 12 years old (Accident only policies is available for pets over 12 years of age)
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 14 days for illness.

14 days for accidents

14 days for wellness

**Waiting Periods can vary by state. See actual policy or contact Liberty Mutual to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury Not Clear
Coverage When Travel Out of State or Country? Out of State Coverage - You WILL be covered while traveling to other states

Out of Country Coverage - It is not clear if there is coverage when traveling outside the US
Can the Price of the Policy Increase as my Pet Ages? It is unclear whether price increases due to age.

Please note that premiums can increase for other reasons too.

Contact Liberty Mutual for more information on when and by how much your premium may increase.
Does Coverage Stop Due to Age? No
What Happens when the Policy Renews? Not Clear
Can the Price of the Policy Increase if a Claim is Filed? Not Clear.
Choice of Vet? Out of State Coverage - You WILL be covered while traveling to other states

Out of Country Coverage - It is not clear if there is coverage when traveling outside the US
Money Back Guarantee? Not Clear.
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? Not Clear
Pre-certification Required? Not Clear
Additional Requirements **See actual policy or contact Liberty Mutual for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy link is embedding in their FAQ page, however at the time of this writing an error is received when clicking on this link.

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
Illness -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
Behavioral Therapy Coverage [INCLUDED]

Not available in all states

**See actual policy or contact the company for a complete description of what types of Behavioral Therapy are covered and any limitations that may apply.
Alternative Therapy Coverage [INCLUDED]

Not available in all states

**See actual policy or contact the company for a complete description of what types of Alternative Therapy are covered and any limitations that may apply.
Pre-existing Conditions Policy Not Clear
Hereditary & Congenital Conditions Coverage [INCLUDED] Hereditary and congenital conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

These conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Continual Coverage for Chronic Conditions Not Clear
Chronic Conditions Policy Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)

**See actual policy or contact the company for a complete description of their Chronic Conditions Policy.
Cancer Coverage [INCLUDED] Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
Cancer Coverage Limits Not Clear

**Contact Liberty Mutual for a full description of any limits that may apply to cancer conditions.
Hip Dysplasia [INCLUDED]

**Contact Liberty Mutual for a full description of any limits that may apply to hip dysplasia.
Prescription Drug Coverage [INCLUDED]

**See actual policy or contact Liberty Mutual for full list of inclusions and exclusions
Pregnancy Coverage [NO]
Routine/Wellness Coverage [OPTIONAL]

Routine/Wellness Coverage is available for an additional fee.

**See actual policy or call the company for complete description of their Wellness Coverage
Vaccinations [OPTIONAL] - See Routine/Wellness Coverage above for details
Spay/Neuter [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Routine) [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Illness/Accident) Not Clear
Bilateral Conditions Policy Not Clear.

**Contact the company for a complete list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)		 Based on the lack of information that Liberty Mutual pet insurance makes available to the public, it is difficult to get a clear read of the full extent of coverage.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Accidents and illnesses that occur during the waiting period
  • Costs from breeding or pregnancy
...See policy for a complete listing

 

How The Policy Works
Reimbursement Choose from 70%, 80%, or 90%
Deductible Annual Deductible

Choose from $250, $500, or $1,000
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual Deductible
How is Reimbursement Determined Not Clear
Max Payout Annually Choose from $5,000, $10,000, or $15,000
Max Lifetime Payout This plan does not have a lifetime maximum payout.
Max Payout per Incident This plan does not have a maximum payout per incident
Max Payout Based on the orthopedic Body System This plan does not have a maximum payout based on body system.
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $22.00 - $250 depending on species, location, plan, etc

 

Additional Info
My Review Liberty Mutual Review
What are Customers Saying? Check with your state's Department of Insurance to see if any complaints have been filed for this company
Better Business Bureau bbb.org
Additional Info  

*The information in the above charts applies to Liberty Mutual's pet insurance plans that cover illness and accidents. If your pet is only eligible for accident coverage, please contact Liberty Mutual for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by contacting the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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