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Liberty Mutual Pet Insurance Review

As pet parents, you want the best for our furry friends. Pet health insurance can become expensive, especially if your pet has an accident with broken bones or cancer treatments. Even wellness exams can be an added on yearly expense.

Our team reviewed Liberty Mutual Pet Insurance for both their illness coverage and comprehensive coverage limits, customer satisfaction scores, and cost.

As a well-renown insurance provider, Liberty Mutual customers are offered various insurance products such as home insurance, auto insurance, life insurance, and now pet insurance.

As a Boston located company, Liberty Mutual Insurance Company is particularly known for its renters and homeowners insurance.

Liberty Mutual offers pet owners pet health insurance through their partner, Hartville Pet insurance.

How does Liberty Mutual compare with other pet insurance companies like Nationwide or Healthy Paws? Let’s take a look.

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Our Grade: B-

Hartville Pet Insurance has its pet insurance policies underwritten by C&F Insurance Agency, Inc. or United States Fire Insurance Company. A trademark of C&F Insurance Agency is Crum & Forster Pet Insurance Company.

Recently partnering with Crum & Forster Company, Hartville is also a partner with the American Society for the Prevention of Cruelty to Animals (ASPCA) which offers its own pet insurance policies.

Liberty Mutual Pet Insurance Highlights

  • Behavioral and Alternative Therapy Coverage
  • Only 14 days for Cruciate Ligament coverage
  • 30-day money-back guarantee
  • Wellness Care plans offered

Liberty Mutual Pet Insurance Plan Options

Liberty Mutual offers policyholders two coverage options as well as two add-on wellness plans:

Liberty Mutual Accident Only Insurance

Accident only insurance coverage is offered which means that any treatment or tests are covered if your pet has an accident or gets injured.

Illness is not covered under this plan.

Related: 10 Things You Must Know Before You Buy Pet Insurance

Complete Coverage

Their broadest coverage is called Complete Coverage which covers all accidents and illnesses with the widest range of tests and treatment coverage.

Some of the coverage included in this plan:

  • All types of surgery
  • Hospitalization
  • Diagnostic tests
  • Chronic and Hereditary conditions
  • Behavioral issues
  • Exam fees covered
  • Prescriptions and prescribed food
  • Treatment for cancer
  • Eye issues
  • Digestive Issues
  • Hypothyroidism
  • Microchip
  • Knee injuries and ligament issues

Wellness Plans (Add-On)

Two different wellness plans offered with a maximum reimbursement payment annually.

If routine, preventative coverage is of interest to you, then you can add one of the two wellness plans to your pet insurance coverage. They are not offered independently.

Both plans have a list of different treatments or services that they offer and a set amount of money allotted for each treatment or service.

Both Plans Include:

  • Routine Exam Fees
  • Dental Cleaning
  • Neutering
  • Spaying
  • Preventative Care Services

Their Basic wellness plan pays a set amount for each service and their Prime wellness plan pays more for those services. And offers more choices of treatments and services.

Real Cost Savings from Healthy Paws Clients


Healthy Paws saved his parents


The playful pup Samson tore his ACL in a lively game of fetch. After surgery and rehabilitation, Samson is back to being active and never turns down a game of fetch!

Hereditary and Congenital Condition Coverage

Their Complete coverage plan covers any congenital condition or hereditary issue that are not already present upon coverage and then called pre-existing.

Hip dysplasia, with the Complete Coverage plan, will be covered only after 14 days which is really quick.

Most plans have a 6 month waiting period for hip dysplasia coverage.

Alternative Therapy

Alternative therapy if you choose their complete coverage plan is included.

Some examples of alternative therapy treatment are:

  • physiotherapy
  • all rehab therapy
  • aqua, and
  • hydrotherapy

Behavioral Issues

Behavioral issues are covered under their Complete Coverage plan and cover issues such as tail chasing, fur pulling, and excessive licking, and destructive chewing.

Chronic Conditions

Chronic conditions are covered under the Complete Coverage plan as long as they aren’t pre-existing.

Chronic conditions are illnesses or conditions that need constant treatment like hay fever, skin allergies, different eye conditions, and even diabetes.

Benefit Limits

Benefit limits are the most money a pet insurance company will pay out each year.

With Liberty Mutual, the choices are from $5,000 to unlimited. Each year, you can change the benefit limit amount according to your dog or cats’ needs.

If you choose the unlimited benefit level (which we always recommend), you will have a higher monthly premium rate.

The wellness plans have a specific amount of money you can spend each year on the treatment or service that you use.

Real Cost Savings from Healthy Paws Clients


Healthy Paws saved his parents


Artemis had a severe ear infection and needed to visit both the regular vet and a specialist, multiple times. After medication and a few follow-up visits, she recovered well and is now doing great!

Reimbursement Method

There are three reimbursement choices and they range from 70% to 90%.

If you want a lower monthly premium, you can choose the 70% reimbursement. But, then you would have to pay more of the medical bill.

You are reimbursed on the actual vet bill which is in line with the best pet insurance providers.

Deductible Type

Liberty offers three annual deductible choices:

  • $100
  • $250
  • $500

If you want a lower monthly premium than choose the $500 level.

What Is The Cost Of Liberty’s Pet Insurance?

The pet insurance offered by Liberty Mutual is in the higher range of all the companies we have reviews.

To help lower the costs, opt for the higher reimbursement range and a higher deductible amount.

  • Pet insurance for dogs averages $48 a month.
  • Pet Insurance for cats averages $19 a month.

The prices of the wellness plans are competitive:

  • The Basic Wellness plan is another $9.95 per month.
  • The Prime Plan is an added $24.95 a month.

If you enroll more than one dog or cat to your plan, you can get a discount.

Claims Process

Claims can be filled out through Hartville’s site and you can print it out and mail it, fax it or fill out a paperless directly online.

The claims are generally paid within 30 days but can be faster if you fill it out online.

Direct deposit is also available if that is of interest to you.

Enrollment and Waiting Periods

Your dog or cat can be enrolled at eight weeks. There is no upper age restriction so your older pets are welcome here!

  • Accident coverage begins right away.
  • Illnesses are covered after 14 days.
  • Cruciate ligament issues and hip dysplasia are covered after 14 days. (This is really quick!)

There is a 30-day free look or money-back guarantee if you decide you don’t want to be enrolled in their plan.


Why sign up for Liberty Mutual Pet Insurance when you can go directly to Hartville?

If you are already enrolled in a plan by Liberty Mutual (libertymutual.com), like auto or homeowners, it can be easier to have all your coverage with the same company.

Most insurance companies will give you a discount if you enroll in more than one policy which can be an added incentive.

What isn’t covered under Liberty Mutual Plans?

Pre-existing conditions, or those conditions or illnesses that your pet might have prior to enrollment won’t be covered.  But, they will cover that illness if it has been cured for at least 6 months.

Breeding or cosmetic procedures are not covered. Routine or preventative care is also not covered unless you add one of their wellness plans.

How does the pet insurance offered by Liberty Mutual via Hartville compare to other pet insurance plans?

Take a look at our Pet Insurance Comparison Chart and you can see how their plans compare to others.

Are there any discounts offered?

If you enroll more than one dog or cat, you can get a discount.

Can pets of all ages be enrolled with Liberty Mutual?

Yes.  Cats and dogs of any age can be enrolled. The starting age Is 8 weeks old.

Is Liberty Mutual Pet Insurance Best For Your Pet?

If you want the most comprehensive coverage, then the complete coverage plan is the best option. But, you will pay more for this plan.

There are some other pet insurance companies who are in our top 10 pet insurance companies that offer the same comprehensive coverage for less money.

The choice is yours. You can go to Liberty Mutual’s site to see if their pet insurance is right for you and your pet.

Or go to Hartville directly to get a quote directly from them.


Other articles you may find helpful: 

Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

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You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance

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