About
Liberty Mutual has been selling insurance since 1912 but started offering pet insurance in 2020. Liberty Mutual customers appreciate the ability to add pet insurance to their existing insurance plans.
Coverage Offered by Liberty Mutual
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|---|---|
Price: |
Get a Free Quote |
Overall Rating: |
|
Total Reviews: |
579,294 |
Deductible: |
$250, $500, and $1000 |
Reimbursement: |
70%, 80%, and 90% |
Annual Limit: |
$5,000 to $15,000 |
Accident Waiting Period: |
14 Day |
Illness Waiting Period: |
14 days |
Wellness Waiting Period: |
14 days |
Accidents: |
Included |
Illnesses: |
Included |
Wellness: |
Optional |
Dental Coverage: |
Limited Coverage |
Exam Fee Coverage: |
Yes |
Direct Vet Pay: |
No |
Claims Expiration: |
Within 90 days of treatment |
Claims Submission App: |
Yes |
Liberty Mutual Accident and Illness Coverage
Liberty Mutual Pet Insurance offers an accident and illness plan with options to configure your policy.
Deductible Options
$250, $500, and $1000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$5,000 to $15,000
What's Covered
Accident and Illness Coverage
Accidents
Alternative Medicine
Behavioral Therapy
Congenital Conditions
Illnesses
Hereditary Conditions
Accident, Illness, and Wellness Coverage
Liberty Mutual Pet Insurance offers a higher coverage plan that includes everything covered under the accident and illness policy, plus:
Wellness Exams
Intestinal Deworming
Routine Dental Cleaning
Spaying/Neutering
Flea and Tick Prevention
Heartworm Tests and Medication
Dietary Food and Supplements
Prescription Medications
Boosters and Vaccinations
Policy Exclusions
Liberty Mutual Pet Insurance will not pay for costs associated with or resulting from the following:
Pre-Existing Conditions
Breeding and Pregnancy
Organ and Tissue Transplants
Experimental and Investigative Treatment
Professional or Commercial Use
Hereditary Conditions
Unlawful Acts
Requirements of Policy Holders
The upper age limit for enrollment is 12 years old.
Coverage will not be provided unless a comprehensive physical exam has been conducted by a veterinarian.
Claims
You can use the Liberty Mutual Insurance app or online customer portal to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 90 days from the date of treatment.
Offers direct deposit as a reimbursement option
Convenient claims submission using the portal or app
Claims are processed within 10 business days on average
Customer Support
Hours
Monday - Friday: 8 am - 8 pm ET
Contact Information
Phone: 1-800-290-8711
How to Cancel Liberty Mutual Pet Insurance
To cancel a Liberty Mutual Pet Insurance policy, you can contact their customer service team at 800-290-8711.
Compare
Compare Liberty Mutual Against Other Pet Insurance Companies
We're working to bring you a comprehensive list of Liberty Mutual compared to other providers. Please check back again. In the meantime, start a quote for a better idea of what pet insurance coverage works best for you.
Interested in learning more about the specifics of cat or dog insurance? Read our guides on pet insurance for more information:
Our Liberty Mutual Pet Insurance Review
Overall, Liberty Mutual Pet Insurance provides comprehensive coverage for dogs and cats, offering customizable plans to meet the unique needs of pet owners. Their plans cover accidents, illnesses, and optional wellness care. The accident and illness waiting periods are 14 days, which is average.
