Liberty Mutual Pet Insurance Review 2023 - Business Insider
- Pet Insurance Plans From Liberty Mutual Pet Insurance
- How Much Does Pet Insurance From Liberty Mutual Cost?
- How to File a Claim
- FAQ
- How Liberty Mutual Pet Insurance Compares
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Liberty Mutual is one of the world's largest insurance companies, offering multiple branches of financial protection for consumers. You may best know this provider for its auto, home, and life insurance policies, but you can also purchase pet insurance from Liberty Mutual.
Insider was not able to find specific customer feedback regarding pet insurance claims and reimbursement experiences, but the provider is extremely reputable overall and offers a simple, straightforward sign-up process for pet insurance shoppers. Reimbursement timeframes are relatively slow by Liberty Mutual's own admission, averaging 10 business days after all required documentation has been submitted.
Here's what you should know about Liberty Mutual pet insurance to determine if it's the best pet insurance for you.
Pet Insurance Plans From Liberty Mutual Pet Insurance
Liberty Mutual offers highly customizable pet insurance policies, with the flexibility to use any vet you choose. The company also does not terminate coverage for older dogs, and provides an extremely straightforward sign-up experience with clear, simple guidelines.
As with most insurance companies, Liberty Mutual does not insure pre-existing health conditions. However, you can purchase three tiers of pet protection through Liberty Mutual for insurance against future issues:
- Accident only
- Accident and illness
- Accident, illness, plus wellness
Accident-only coverage
As the name implies, this insurance plan only covers unexpected medical bills that may arise from an accident, an attack from another animal, or some other incident of this nature. According to Liberty Mutual, the following expenses are eligible for reimbursement under accident-only coverage:
- Accidental injuries (including to permanent teeth)
- Euthanasia or anesthesia due to an accident
- Cremation and burial expenses due to an accident
- Ingestion of a foreign object (up to two treatments per policy year)
- Accidental death
Accident and illness coverage
This policy covers all of the eligible expenses above, as well as common illnesses such as:
- Illnesses including cancer, influenza, and kennel cough
- Alternative medicine
- Behavioral therapy
- Hereditary and congenital conditions
Accident, illness, and wellness coverage
Liberty Mutual's most comprehensive pet insurance plan includes all of the above coverage, as well as up to $525 in fixed-amount payments up to the following limits for the wellness treatments below:
- Routine physical ex...
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