Liberty Mutual pet insurance has been noted for its competitive pricing and comprehensive coverage options. The company offers plans that include behavioral therapy, alternative therapies such as physiotherapy and hydrotherapy, and end-of-life expenses like euthanasia and cremation.
There is no extended waiting period for specific conditions, such as cruciate ligament issues. However, the highest annual coverage limit available is $15,000, which falls short of some competitors offering unlimited caps. A 24/7 veterinary helpline is not provided, a feature common among other insurers.
Policyholders can choose from annual maximum limits of $5,000, $10,000, or $15,000, with deductible options of $250, $500, or $1,000. Reimbursement rates are set at 70%, 80%, or 90%. Waiting periods are 14 days for both accident and illness coverage, with no special waiting periods for conditions like cruciate ligament problems.
Pets must be at least 8 weeks old to enroll, and there is no maximum age limit, though pets aged 13 and older are only eligible for the accident-only plan. The company sells accident and illness plans, accident-only options, and wellness plans for routine care.
Coverage under the accident and illness policy includes veterinary exam fees, hereditary and congenital conditions, diagnostics such as X-rays, cancer treatment, dental accidents, and alternative therapies. The accident-only plan covers accidental injuries, cremation and burial expenses, euthanasia, and ingestion of objects. The wellness plan provides up to $525 annually for preventative care like check-ups, dental cleaning, vaccinations, and spaying or neutering.
Preexisting conditions are not covered. Exclusions include age-related changes to eyes and ears, breeding and pregnancy, experimental treatments, and injuries from intentional or neglectful acts. Coverage changes require written requests, with increases subject to approval and new waiting periods.
Pricing is a key advantage, with costs below average for policies with a $5,000 annual limit. Multi-pet discounts are available: 5% for two pets and 10% for three or more. Claims must be filed within 90 days of treatment, with an average processing time of 10 days. Reimbursements are made directly to policyholders, though special arrangements for direct vet payments can be requested for large bills.
The Liberty Mutual mobile app, with ratings of 4.8 stars on the App Store and 4.6 stars on Google Play, allows claim submission and management but is not pet-specific. Policies are available in all 50 states and the District of Columbia. A veterinary exam within the past 12 months is required for enrollment.
Customer service can be reached by phone at 1-844-250-9199 from 8 a.m. to 9 p.m. ET Monday through Friday and 10 a.m. to 7 p.m. ET on Saturday, via email at [email protected], or by mail at 175 Berkeley St., Boston, MA 02116. Policies can be canceled at any time with written notice, with refunds issued on a pro-rated basis after 10 days.