Liberty Mutual Insurance Review

Liberty Mutual may be known for their superior auto insurance, but this well-known provider offers so much more than just that. Making sure all members of your family have access to high-quality insurance, Liberty Mutual has begun providing top-notch pet insurance for all your furry friends. These comprehensive plans are affordably priced and include access to premium vet care all across the USA.

Perfect for bundling with your current insurance, or for purchasing on its own, Liberty Mutual’s pet insurance policies are fully customizable and allow you to select the deductible, reimbursement percentage, and annual limit that suits your needs. In addition, they feature wellness add-on packages to further personalize your plan and have one of the widest ranges of eligible expenses for any pet insurance provider.

Allowing you to pay only for what you need, Liberty Mutual is a highly rated insurance provider with over 100 years of experience in the industry. Featuring an average cost of only $1.66/day, you and your pet will enjoy a lifetime of coverage with no upper age limits or breed restrictions. Stackable with other insurance discounts, and with no admin or monthly transaction fees, Liberty Mutual pet insurance is a great choice for the budget-conscious pet parents who want comprehensive coverage without sacrifice.

Liberty Mutual offers pet parents 3 base policies to choose from when enrolling. These options include accidents, illnesses, and even wellness, and can be further customized to suit your needs. Regardless of which plan you select, you will still be given access to the same high-quality care, and you will be allowed to visit any licensed vet in the USA that you prefer. Featuring no networks or restrictions, Liberty Mutual’s policies ensure you have the flexibility and freedom to seek out care from a vet you trust whenever it is required.

All pet insurance policies are available to dogs and cats of any size and any breed. There are no complicated restrictions or exclusions, and you are also welcome to enroll pets of all ages. Regardless of how old your pet is, and becomes, Liberty Mutual will never cancel your policy due to old age, and your pet will be protected with lifelong coverage until death.

As for the coverage itself, below is a breakdown of the 3 main policy options as well as what they cover:

Liberty Mutual doesn’t believe in a one-size-fits-all insurance policy which is why they have made their plans fully customizable. From how much your deductible is to what your annual limits are, Liberty Mutual allows you to pick and choose so that your insurance policy matches not only your needs, but also your budget.

The first thing you will need to decide is what you would like your annual limit set at. This is the maximum amount you will be able to make claims for each year, with anything exceeding the limit becoming your out-of-pocket responsibility. With Liberty Mutual you will be able to choose $5,000, $10,000, or $15,000 with the higher limits increasing your total premiums.

Once you have set your annual limit you will then need to select an annual deductible. Set at $250, $500, or $750 this is the amount you will need to pay on your own each year before your insurance kicks in. In addition to your deductible, you will also have a co-pay amount that you will need to pay for each and every vet trip, which can be 70%, 80%, or 90%. 

What you ultimately decide upon will depend on both your preferences as well as your monthly budget. If you aren’t sure, the free quote calculator offered by Liberty Mutual will be a great place to play around with the numbers and see what works best.

Every time you visit the vet you will need to submit a claim to Liberty Mutual. This claims process will be the starting point for obtaining your reimbursement, and it must be completed each time within a specific time period. Thankfully, Liberty Mutual has perfected this process throughout their 100 years in the industry, and their claims process is smooth, easy, and can all be done online.

Eliminating unnecessary steps and endless paperwork, the Liberty Mutual claims process takes only a few minutes to complete and is accessible 24/7. Completed using the online claims portal, you can also track and manage any claims that are still being processed so you are never in the dark about what is happening with your money.

If your claim is approved, Liberty Mutual will reimburse you for all eligible vet bills minus your annual deductible and copay amount. These reimbursements will then be deposited directly into your bank account, or can be sent to your home as a check if you prefer.

Filing a claim will not impact your insurance and you are welcome to file for any eligible expenses you incur. However, keep in mind that you will only be reimbursed up to your selected annual limit, so make sure you pick one that will provide enough coverage yearly.

Pet insurance with Liberty Mutual starts at only $1.66/day and can be personalized to match both your needs and your budget. The wallet-friendly accident-only plan is perfect for those who are looking for an inexpensive option that still protects their pets, whereas the full accident, illness, and wellness plan will suit those who want to be eligible for the highest amount of reimbursement.

What plan works best for you will depend on a number of factors, and there are also different variables that can impact the cost. To make it easier and to help you decide, Liberty Mutual has created a free quote calculator that you can find on their website. By answering a few short questions, Liberty Mutual will be able to show you what each of the 3 plans would cost, and you can play around with the customizable options to see how they impact those premiums.

Once you have settled on the policy for you, and are happy with the price, you can proceed to the enrollment part of the application to finalize the details.

Enrolling with Liberty Mutual is simple, straightforward, and can be fully completed online. Those who are already Liberty Mutual customers can simply log-in to their account to proceed, or are welcome to call a representative directly to discuss adding pet insurance to their existing plan. New customers, however, will need to start with the free quote which can be accessed from the LIberty Mutual website and offers the best way to learn more about coverage and pricing before you commit.

Those who already have auto or home insurance, or are considering getting it, may prefer to speak to a representative directly as you may qualify for additional discounts. Liberty Mutual does offer stackable offers that can save you up to 20% on your pet insurance policy, making it worthwhile to explore.

Unlike other insurance providers who offer wellness packages as an add-on, Liberty Mutual has opted to make it a stand-alone plan so that you get more comprehensive coverage at a better price. While this does mean there are no extras that you can pick and choose from when creating your policy, it also means that you aren’t being charged unnecessarily and are fully aware of what you get upfront.

If you are interested in learning more about Liberty Mutual’s pet insurance policies, or if you want to enroll, you can visit their website directly. Offering sample policies and plan breakdowns, the Liberty Mutual website is a great resource and will be able to answer any questions you may have. It is also a great chance to take advantage of their free quote offer to find out how much a pet insurance policy can help you save.