Liberty Mutual ranking: 3.8 out of 5 stars
Liberty Mutual pet insurance coverage is price contemplating for its wonderful pricing and strong vary of protection. There isn’t any particular prolonged ready interval for sure circumstances like cruciate ligament issues. Behavioral and different therapies are each lined, together with physiotherapy, holistic and homeopathic therapies, hydrotherapy, and aromatherapy.
On the draw back, the very best annual protection choice out there is $15,000, in comparison with high rivals that provide limitless annual caps. There’s additionally no 24/7 helpline included — a standard perk amongst most rivals.
Professionals
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Extremely aggressive pricing
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Euthanasia, cremation, and burial are lined
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Multi-pet reductions of 5% for 2 pets and 10% for 3 or extra pets
Cons
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Pets ages 13 and older will probably be provided solely the accident-only plan
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No protection for prescription meals (until you purchase the wellness plan)
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No 24/7 vet helpline out there
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Requires a complete bodily examination of the pet throughout the final 12 months to purchase a coverage
Liberty Mutual pet insurance coverage fundamentals
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Annual most restrict decisions: $5,000, $10,000, $15,000
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Deductible decisions: $250, $500, $1,000
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Reimbursement decisions: 70%, 80%, 90%
Liberty Mutual ready durations
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For accident protection: 14 days
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For sickness protection: 14 days
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Particular ready interval: None
Liberty Mutual age restrictions for getting a brand new coverage
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Minimal pet age: 8 weeks
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Most pet age: None
Liberty Mutual sells an accident and sickness plan, an accident-only choice, and a wellness plan for routine care prices.
Liberty Mutual’s accident and sickness coverage
Liberty Mutual’s coverage offers a wide selection of protection, comparable to:
Liberty Mutual’s accident-only plan covers most of what’s supplied via its accident and sickness coverage:
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Unintended accidents, together with dental accidents
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Cremation and burial bills
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Euthanasia and unintentional dying
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Ingestion of objects
Liberty Mutual’s wellness protection consists of the care prices listed above and offers as much as $525 in whole annual reimbursement for the next varieties of preventative care:
No, Liberty Mutual doesn’t cowl preexisting circumstances. A preexisting situation is outlined as any sickness or damage that occurred or existed — no matter whether or not it was identified — earlier than the coverage’s efficient date or throughout the ready interval.
Liberty Mutual’s web site doesn’t point out entry to a 24/7 vet helpline.
Liberty Mutual pet insurance coverage has some exclusions so far as bills go, comparable to:
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Age-related modifications to eyes and ears
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Breeding and being pregnant
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Experimental therapies
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Accidents from intentional, neglectful, or preventable acts
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Accidents from utilizing your pet for business functions or illegal acts
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Weight problems (until a part of a medical situation)
Though you possibly can request a change to your protection at any time, listed here are the small print:
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For decreases: You could submit a written request.
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For will increase: The request should even be in writing and is topic to approval. Plus, you’ll be topic to a brand new ready interval.
Value is without doubt one of the massive promoting factors for Liberty Mutual pet insurance coverage.
Liberty Mutual’s pricing was 26% lower than the typical in our analysis for pet insurance coverage insurance policies with $5,000 in annual protection.
Liberty Mutual affords a 5% low cost should you insure two pets and a ten% low cost should you insure three or extra pets.
No, you will need to pay your vet and submit a declare to be reimbursed. Nevertheless, should you count on a big invoice resulting from your pet’s wants, you possibly can contact Liberty Mutual prematurely to ask if it’ll make a particular association to pay the vet straight.
Right here’s what to learn about submitting a declare with Liberty Mutual:
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To make a declare: Submit an in depth bill and a declare type by mail, e-mail, or via the net buyer portal. You could present a fee receipt should you submit a handwritten bill.
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To submit claims shortly: Add paperwork via your on-line account.
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To obtain reimbursements sooner: Signal as much as obtain funds via direct deposit.
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In case your declare is denied: You may enchantment the choice.
You could file a declare with Liberty Mutual inside 90 days of remedy.
Liberty Mutual states that it takes a mean of 10 days to course of a declare.
Liberty Mutual, which affords a variety of insurance coverage merchandise, has a cellular app that policyholders can use to submit and handle claims. Nevertheless, it’s not created particularly for pet insurance coverage policyholders so it is perhaps restricted.
Liberty Mutual cellular app scores:
Liberty Mutual pet insurance coverage is on the market for enrollment in all 50 states and the District of Columbia.
Sure, your pet should be examined by a veterinarian inside 12 months earlier than getting a coverage.
You may contact Liberty Mutual by cellphone, e-mail, and mail:
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Name Liberty Mutual at 1-844-250-9199 from 8 a.m. to 9 p.m. ET Monday via Friday and 10 a.m. to 7 p.m. ET on Saturday.
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The e-mail tackle is service@pet.libertymutual.com.
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The mailing tackle is Liberty Mutual, 175 Berkeley St., Boston, MA 02116.
You may cancel a coverage at any time by sending Liberty Mutual a discover in writing. In case you cancel inside 10 days, you possibly can obtain a refund of your premium. In case you cancel after 10 days, you’ll be refunded on a pro-rated foundation.
Jamie Younger and Tim Manni edited this text.
We researched the protection particulars and costs for 15 pet insurance coverage. We then weighted classes, and every pet insurer was scored relative to the others to search out the most effective pet insurance coverage corporations. Listed below are the components we integrated.
Protection sorts: 40% of rating. We examined the protection supplied by the bottom coverage with out the additional price of add-ons. This encompassed protection for different remedy, behavioral remedy, dental sickness, euthanasia or end-of-life bills, unique pets, hereditary and congenital circumstances, preexisting circumstances, prescription meals and dietary supplements, veterinary examination charges, and promoting/reward for misplaced/stolen pets.
Common price: 30% of rating. We evaluated prices in 5 states for $5,000 and limitless protection for a mixed-breed canine (age 1), a French bulldog (age 5), and a Labrador retriever (age 8).
Limitless protection choice: 10% of rating. We gave factors when pet insurers provided a vast annual restrict (or a $100,000 restrict), which provides pet homeowners probably the most strong monetary safety potential within the occasion of a catastrophic pet medical problem.
Direct funds to the veterinarian: 5% of rating. We gave factors to pet insurers that state on their web sites that they accommodate direct vet funds.
No particular ready durations for particular circumstances: 5% of rating. We gave factors when pet insurers don’t have any ready durations for particular circumstances, comparable to cruciate ligament circumstances.
Routine wellness plan: 5% of rating. Firms that provide a routine wellness plan along with pet insurance coverage acquired factors.
Multi-pet low cost: 5% of rating. We gave factors when pet insurers provided a reduction for insuring a number of pets.
