Liberty Mutual's pet insurance scores 2.3 out of 5 for cats and 2.65 for dogs in MoneyGeek's analysis. The provider excels in coverage options, ranking eighth nationally in this category. Customer experience represents a significant weakness with low scores of 1.67 for both cats and dogs. Liberty Mutual requires a 14-day waiting period for accident coverage, which matches industry standards.
Liberty Mutual Pet Insurance Review
Updated: December 29, 2025
Advertising & Editorial Disclosure
Liberty Mutual Pet Insurance Review: Key Takeaways
Liberty Mutual ranks 11th nationally for pet insurance affordability, with monthly premiums averaging $38 for cats and $65 for dogs.
Liberty Mutual ranks eighth for customer experience in MoneyGeek's analysis, though customer reviews on third-party sites indicate moderate satisfaction with its pet insurance services.
Ranking eighth nationwide for coverage, Liberty Mutual offers comprehensive accident and illness policies with optional wellness riders for preventive care.
Liberty Mutual Pet Insurance Ratings
Data filtered by:
Dog
| Affordability | 3.22 | 11 |
| Coverage | 2.61 | 8 |
| Customer Experience | 1.66 | 8 |
| Overall Score | 2.65 | 12 |
WHO IS LIBERTY MUTUAL PET INSURANCE BEST FOR?
Liberty Mutual ranks among the best pet insurance companies for owners seeking a short waiting period for hereditary conditions like hip dysplasia. However, the provider has low maximum annual limits compared to other insurers.
Learn more about the best pet insurance options for your pet:
Liberty Mutual Pet Insurance Ratings by State
Liberty Mutual provides pet insurance nationwide with moderate performance across all states. The company achieves its best overall ranking of 10th for dogs in one state and 12th for cats in eight states. While Liberty Mutual doesn't provide the best pet insurance overall, it maintains a consistent 8th-place performance for coverage and customer experience across all 50 states.
Data filtered by:
Overall Score
Dog
| Alabama | 2.5 | 14 |
| Alaska | 2.4 | 14 |
| Arizona | 2.7 | 13 |
| Arkansas | 2.65 | 13 |
| California | 2.7 | 12 |
| Colorado | 2.75 | 12 |
| Connecticut | 2.4 | 14 |
| Delaware | 2.5 | 14 |
| Florida | 3 | 11 |
| Georgia | 2.7 | 11 |
| Hawaii | 2.5 | 13 |
| Idaho | 2.5 | 13 |
| Illinois | 2.65 | 13 |
| Indiana | 2.75 | 11 |
| Iowa | 2.75 | 12 |
| Kansas | 2.6 | 13 |
| Kentucky | 2.45 | 14 |
| Louisiana | 2.85 | 12 |
| Maine | 2.7 | 11 |
| Maryland | 2.8 | 12 |
| Massachusetts | 2.75 | 11 |
| Michigan | 2.54 | 14 |
| Minnesota | 2.8 | 11 |
| Mississippi | 2.5 | 14 |
| Missouri | 2.75 | 12 |
| Montana | 2.65 | 13 |
| Nebraska | 2.6 | 13 |
| Nevada | 2.7 | 12 |
| New Hampshire | 2.65 | 12 |
| New Jersey | 2.7 | 12 |
| New Mexico | 2.5 | 14 |
| New York | 2.8 | 11 |
| North Carolina | 2.54 | 12 |
| North Dakota | 2.6 | 13 |
| Ohio | 2.5 | 13 |
| Oklahoma | 2.54 | 13 |
| Oregon | 2.65 | 12 |
| Pennsylvania | 2.75 | 11 |
| Rhode Island | 2.8 | 12 |
| South Carolina | 2.45 | 14 |
| South Dakota | 2.54 | 12 |
| Tennessee | 2.75 | 12 |
| Texas | 2.85 | 11 |
| Utah | 2.5 | 13 |
| Vermont | 2.7 | 12 |
| Virginia | 2.7 | 10 |
| Washington | 2.9 | 12 |
| West Virginia | 2.54 | 13 |
| Wisconsin | 2.45 | 14 |
| Wyoming | 2.6 | 13 |
Liberty Mutual Pet Insurance Comparison
See how Liberty Mutual pet insurance fares against national competitors below.
Liberty Mutual vs. AKC | • Dogs: 2.65 vs. 4.30 • Cats: 2.30 vs. 3.85 | AKC leads in affordability, coverage and customer service across all categories. |
Liberty Mutual vs. ASPCA | • Dogs: 2.65 vs. 3.85 • Cats: 2.30 vs. 3.35 | ASPCA offers lower premiums and better customer service, while Liberty Mutual lags in coverage and customer experience. |
Liberty Mutual vs. Embrace | • Dogs: 2.65 vs. 2.55 • Cats: 2.30 vs. 2.30 | Overall scores are nearly identical, though Embrace costs less and provides better customer service. |
Liberty Mutual vs. Fetch | • Dogs: 2.65 vs. 2.70 • Cats: 2.30 vs. 2.95 | Fetch provides stronger coverage and customer service, while Liberty Mutual costs slightly less for dog coverage. |
Liberty Mutual vs. Figo | • Dogs: 2.65 vs. 3.60 • Cats: 2.30 vs. 3.80 | Figo leads in coverage, affordability and customer service. |
Liberty Mutual vs. Hartville | • Dogs: 2.65 vs. 3.50 • Cats: 2.30 vs. 3.90 | Hartville outperforms Liberty Mutual across nearly all categories, particularly for cat affordability and coverage. |
Liberty Mutual vs. Lemonade | • Dogs: 2.65 vs. 4.50 • Cats: 2.30 vs. 4.25 | Lemonade costs less with higher overall scores. |
Liberty Mutual vs. MetLife | • Dogs: 2.65 vs. 3.05 • Cats: 2.30 vs. 2.40 | Both providers rank low, though MetLife offers stronger coverage and affordability. |
Liberty Mutual vs. Nationwide | • Dogs: 2.65 vs. 2.50 • Cats: 2.30 vs. 2.65 | Nationwide costs more but provides better customer service. |
Liberty Mutual vs. Pets Best | • Dogs: 2.65 vs. 4.05 • Cats: 2.30 vs. 3.80 | Pets Best leads in affordability, coverage and customer experience for dogs and cats. |
Liberty Mutual vs. Pumpkin | • Dogs: 2.65 vs. 3.70 • Cats: 2.30 vs. 4.15 | Pumpkin costs considerably less and provides a better customer experience. |
Liberty Mutual vs. Rainwalk | • Dogs: 2.65 vs. 4.05 • Cats: 2.30 vs. 3.95 | Rainwalk delivers excellent customer service and stronger coverage, outshining Liberty Mutual. |
Liberty Mutual vs. Spot | • Dogs: 2.65 vs. 3.75 • Cats: 2.30 vs. 4.15 | Spot leads in affordability, coverage and customer service for dogs and cats. |
How Much Does Liberty Mutual Pet Insurance Cost?
Liberty Mutual's pet insurance costs an average of $65 monthly ($774 annually) for dog coverage and $38 monthly ($454 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Dog | $65 | $60 | $774 | $723 | 7% |
| Cat | $38 | $32 | $454 | $379 | 20% |
Liberty Mutual Pet Insurance Rates by State
Liberty Mutual's rates vary across states due to local veterinary costs and claim patterns. Liberty Mutual offers the cheapest pet insurance for cats in Arkansas at $27 monthly and the most expensive coverage in Washington at $48. Dog coverage is also most affordable in Arkansas at $46 monthly but reaches $80 in Massachusetts.
Data filtered by:
Dog
| Alabama | $54 | $643 |
| Alaska | $68 | $819 |
| Arizona | $76 | $916 |
| Arkansas | $46 | $555 |
| California | $80 | $960 |
| Colorado | $78 | $937 |
| Connecticut | $79 | $950 |
| Delaware | $67 | $810 |
| Florida | $63 | $758 |
| Georgia | $57 | $685 |
| Hawaii | $68 | $814 |
| Idaho | $68 | $810 |
| Illinois | $79 | $944 |
| Indiana | $56 | $675 |
| Iowa | $54 | $651 |
| Kansas | $61 | $733 |
| Kentucky | $61 | $731 |
| Louisiana | $49 | $592 |
| Maine | $76 | $911 |
| Maryland | $61 | $736 |
| Massachusetts | $80 | $958 |
| Michigan | $66 | $790 |
| Minnesota | $62 | $749 |
| Mississippi | $60 | $717 |
| Missouri | $51 | $619 |
| Montana | $55 | $658 |
| Nebraska | $61 | $731 |
| Nevada | $66 | $786 |
| New Hampshire | $74 | $883 |
| New Jersey | $71 | $847 |
| New Mexico | $63 | $755 |
| New York | $67 | $798 |
| North Carolina | $62 | $738 |
| North Dakota | $52 | $626 |
| Ohio | $62 | $741 |
| Oklahoma | $58 | $697 |
| Oregon | $79 | $953 |
| Pennsylvania | $64 | $770 |
| Rhode Island | $55 | $654 |
| South Carolina | $67 | $802 |
| South Dakota | $60 | $725 |
| Tennessee | $57 | $690 |
| Texas | $63 | $751 |
| Utah | $64 | $769 |
| Vermont | $59 | $715 |
| Virginia | $67 | $801 |
| Washington | $75 | $904 |
| West Virginia | $59 | $706 |
| Wisconsin | $73 | $878 |
| Wyoming | $64 | $766 |
Liberty Mutual Pet Insurance Rates by Breed
Liberty Mutual's pet insurance premiums change based on your pet's breed. Cat owners pay around $35 monthly for British Longhairs but $46 for Abyssinians. Dog premiums vary more widely, starting at $27 for small mixed breeds under 20 pounds and reaching $122 for Doberman Pinschers. These price differences reflect each breed's health risks and veterinary costs.
Data filtered by:
Select
Select
| Abyssinian | $46 | $548 |
| Affenpinscher | $56 | $671 |
| Afghan Hound | $65 | $775 |
| Airedale Terrier | $69 | $831 |
| Akita | $71 | $855 |
| Alaskan Husky | $57 | $687 |
| Alaskan Malamute | $66 | $787 |
| Alsatian | $74 | $893 |
| Alsation | $71 | $853 |
| American Bulldog | $89 | $1,065 |
| American Bully | $86 | $1,029 |
| American Eskimo | $52 | $628 |
| American Foxhound | $57 | $688 |
| American Hairless Terrier | $51 | $615 |
| American Staffordshire Terrier | $74 | $886 |
| Australian Cattle Dog | $55 | $666 |
| Australian Kelpie | $57 | $686 |
| Australian Mist | $42 | $508 |
| Australian Shepherd | $50 | $598 |
| Australian Silky Terrier | $47 | $566 |
| Australian Terrier | $52 | $628 |
| Balinese | $43 | $511 |
| Basenji | $51 | $610 |
| Basset Fauve de Bretagne | $63 | $754 |
| Basset Hound | $75 | $896 |
| Beagle | $58 | $697 |
| Bearded Collie | $55 | $660 |
| Belgian Shepherd Malinois | $64 | $768 |
| Bengal | $41 | $488 |
| Bernese Mountain Dog | $115 | $1,382 |
| Bichon Frise | $53 | $637 |
| Birman | $39 | $467 |
| Bloodhound | $91 | $1,087 |
| Bombay | $36 | $432 |
| Border Collie | $51 | $613 |
| Border Terrier | $53 | $631 |
| Borzoi | $75 | $898 |
| Boston Terrier | $56 | $665 |
| Boxer | $85 | $1,020 |
| Bracco Italiano | $63 | $759 |
| Briard | $68 | $813 |
| British Bulldog | $101 | $1,213 |
| British Longhair | $35 | $425 |
| British Shorthair | $42 | $502 |
| Brussels Griffon | $54 | $651 |
| Bullmastiff | $116 | $1,394 |
| Bull Mastiff | $119 | $1,426 |
| Bull Terrier | $74 | $890 |
| Burmese | $40 | $476 |
| Cairn Terrier | $55 | $658 |
| Cane Corso | $102 | $1,218 |
| Caucasian Shepherd Dog | $97 | $1,161 |
| Cavachon | $43 | $517 |
| Cavalier King Charles Spaniel | $58 | $700 |
| Cavapoo | $41 | $491 |
| Central Asian Shepherd Dog | $87 | $1,042 |
| Chihuahua | $41 | $495 |
| Chinchilla | $39 | $474 |
| Chow Chow | $66 | $794 |
| Clumber Spaniel | $72 | $864 |
| Cockapoo | $45 | $540 |
| Cocker spaniel | $62 | $746 |
| Collie | $60 | $714 |
| Corgi | $66 | $794 |
| Cornish Rex | $42 | $502 |
| Coton De Tulear | $49 | $589 |
| Dachshund | $51 | $605 |
| Dalmatian | $74 | $883 |
| Devon Rex | $39 | $474 |
| Dingo | $47 | $571 |
| Doberman Pincher | $81 | $972 |
| Doberman Pinscher | $122 | $1,469 |
| Dogue de Bordeaux | $119 | $1,427 |
| Domestic Shorthair | $36 | $429 |
| English Bulldog | $104 | $1,248 |
| English Foxhound | $56 | $674 |
| English Mastiff | $114 | $1,368 |
| English Pointer | $63 | $758 |
| English Setter | $63 | $752 |
| English Springer Spaniel | $59 | $710 |
| English Toy Terrier | $49 | $592 |
| Estrela Mountain Dog | $75 | $906 |
| Exotic Shorthair | $46 | $547 |
| Field Spaniel | $60 | $721 |
| Finnish Lapphund | $56 | $672 |
| Foxhound | $58 | $698 |
| Fox Terrier | $50 | $601 |
| French Bulldog | $93 | $1,121 |
| German Pinscher | $54 | $651 |
| German Shepherd | $67 | $797 |
| German Shorthaired Pointer | $60 | $719 |
| German Spitz | $59 | $702 |
| Giant Mix (100 pounds+) | $61 | $733 |
| Giant Mix (110 pounds+) | $58 | $691 |
| Giant Mix (111 pounds+) | $53 | $632 |
| Giant Mix (90 pounds+) | $78 | $926 |
| Goldendoodle | $54 | $649 |
| Golden Retriever | $68 | $813 |
| Gordon Setter | $74 | $891 |
| Great Dane | $107 | $1,282 |
| Great Pyrenees | $76 | $908 |
| Greyhound | $76 | $907 |
| Groodle | $45 | $543 |
| Harrier | $59 | $710 |
| Havanese | $46 | $551 |
| Himalayan | $40 | $483 |
| Hungarian Vizsla | $73 | $878 |
| Husky | $51 | $614 |
| Icelandic Sheepdog | $57 | $684 |
| Irish Setter | $66 | $796 |
| Irish Terrier | $56 | $671 |
| Italian Greyhound | $56 | $674 |
| Italian Spinone | $63 | $753 |
| Jack Russell Terrier | $45 | $536 |
| Japanese Chin | $50 | $597 |
| Japanese Spitz | $48 | $575 |
| Kangal Shepherd Dog | $104 | $1,250 |
| Keeshond | $62 | $740 |
| Komondor | $70 | $837 |
| Labradoodle | $54 | $648 |
| Labrador Retriever | $65 | $774 |
| Large Mix (51-100 pounds) | $53 | $635 |
| Large Mix (51-110 pounds) | $48 | $581 |
| Large Mix (55-90 pounds) | $54 | $649 |
| Large Mix (60-109 pounds) | $58 | $691 |
| Large Mix (61+ pounds) | $53 | $636 |
| Large Mix (71+ pounds) | $97 | $1,158 |
| Large Mix (Over 70 pounds) | $52 | $632 |
| Lhasa Apso | $49 | $592 |
| Lurcher | $77 | $928 |
| Maine Coon | $45 | $535 |
| Maltese | $48 | $581 |
| Maltipoo | $42 | $505 |
| Medium Mix (20-55 pounds) | $42 | $507 |
| Medium Mix (20-70 pounds) | $44 | $532 |
| Medium Mix (21-70 pounds) | $100 | $1,200 |
| Medium Mix (23-70 pounds) | $53 | $637 |
| Medium Mix (26-50 pounds) | $44 | $531 |
| Medium Mix (26-59 pounds) | $58 | $691 |
| Medium Mix (31-50 pounds) | $44 | $533 |
| Medium Mix (31-59 pounds) | $44 | $524 |
| Miniature Bull Terrier | $74 | $893 |
| Miniature Dachshund | $50 | $599 |
| Miniature Fox Terrier | $52 | $622 |
| Miniature Pinscher | $50 | $597 |
| Miniature Poodle | $46 | $557 |
| Miniature Schnauzer | $53 | $631 |
| Mixed Breed | $57 | $683 |
| Mixed Breed Giant (>90 lbs) | $81 | $969 |
| Mixed Breed Large (51-90 lbs) | $53 | $635 |
| Mixed Breed Medium (31-50 lbs) | $40 | $473 |
| Mixed Breed Small (>10 lbs) | $33 | $394 |
| Mixed Breed Small (11-30 lbs) | $34 | $413 |
| Mixed breed Small (up to 20lbs when full grown) | $32 | $382 |
| Mixed Dog (21-50 pounds) | $47 | $563 |
| Mixed Dog (51-90 pounds) | $57 | $676 |
| Mixed Dog (91 pounds+) | $59 | $713 |
| Morkie | $43 | $516 |
| Munchkin | $40 | $476 |
| Newfoundland | $102 | $1,224 |
| Norfolk Terrier | $55 | $656 |
| Norwegian Elkhound | $57 | $684 |
| Norwegian Forest cat | $38 | $462 |
| Norwich Terrier | $54 | $645 |
| Olde English Bulldogge | $119 | $1,432 |
| Old English Buldogge | $96 | $1,156 |
| Old English Sheepdog | $70 | $845 |
| Papillon | $49 | $583 |
| Pekingese | $52 | $620 |
| Pembroke Welsh Corgi | $58 | $700 |
| Persian | $42 | $505 |
| Peruvian Hairless Dog | $50 | $599 |
| Petit Basset Griffon Vendeen | $72 | $868 |
| Petit Basset Griffon Vendeens | $57 | $681 |
| Pitbull | $72 | $865 |
| Pointer | $60 | $724 |
| Pomeranian | $50 | $597 |
| Portuguese Water Dog | $66 | $787 |
| Pug | $60 | $716 |
| Puggle | $47 | $565 |
| Puli | $61 | $734 |
| Ragdoll | $36 | $435 |
| Rhodesian Ridgeback | $75 | $894 |
| Rottweiler | $106 | $1,270 |
| Rough Collie | $63 | $757 |
| Russian Blue | $37 | $444 |
| Saint Bernard | $114 | $1,371 |
| Saluki | $64 | $764 |
| Samoyed | $62 | $739 |
| Savannah | $42 | $509 |
| Schnoodle | $48 | $569 |
| Scottish Deerhound | $89 | $1,069 |
| Scottish Fold | $40 | $485 |
| Scottish Terrier | $65 | $784 |
| Serengeti | $40 | $475 |
| Shar Pei | $97 | $1,167 |
| Shetland Sheepdog | $52 | $622 |
| Shiba Inu | $47 | $568 |
| Shih Tzu | $44 | $529 |
| Siamese | $36 | $439 |
Is Liberty Mutual Pet Insurance Expensive?
Liberty Mutual ranks 11th in affordability for cats and dogs, meaning it's not the cheapest option. Use the filterable table below to see whether Liberty Mutual is expensive for your pet's age group and your chosen deductible, annual limit and reimbursement rate.
Data filtered by:
Dog
Middle Aged
$500
$5,000
80%
| $75 | $898 | 4% |
Liberty Mutual Pet Insurance Discounts
Liberty Mutual provides three pet insurance discounts that make coverage more affordable. Pet owners can save with a multi-pet discount when insuring several animals under one policy. The company also offers military discounts for service members and bundling savings when you combine pet insurance with other Liberty Mutual policies.
Existing customer | Up to 10% | Available to existing Liberty Mutual policyholders; amount varies by household and state |
Multiple pet | 10% | Add more than one pet to the same policy (availability may vary by state) |
Blue365/BCBS member discount | 10% | Must be a Blue365 or participating Blue Cross Blue Shield member and sign up through the program |
Liberty Mutual Pet Insurance Customer Service Reviews and Ratings
Liberty Mutual ranks eighth nationally for customer service with both cats and dogs. The company holds a moderate A- rating from the Better Business Bureau but receives poor feedback on Trustpilot. Reddit users share mixed experiences, with some praising helpful representatives while others report frustrations with claim processing and response times. Overall customer service performance appears inconsistent across different platforms.
Liberty Mutual Trustpilot Reviews
Liberty Mutual receives a 2.2 out of 5 rating on Trustpilot from verified customers. The low score indicates many customers report negative experiences with Liberty Mutual's service and claims handling. Trustpilot collects verified reviews to provide honest feedback about company performance.
Liberty Mutual Better Business Bureau Rating
Liberty Mutual holds an A- rating from the Better Business Bureau and maintains accredited business status. The A- grade shows Liberty Mutual meets most BBB standards for ethical business practices and complaint resolution. BBB accreditation requires companies to address customer concerns and follow established business standards.
Liberty Mutual Pet Insurance Reddit Sentiment
Liberty Mutual shows mixed Reddit feedback in our analysis of seven comments. The company received 57% positive sentiment, with four favorable comments versus three negative ones. Users praised responsive customer service and clear policy language in positive reviews. Negative feedback highlighted concerns about claim denials and coverage gaps. This split reflects varying customer experiences with Liberty Mutual's claims process.
Liberty Mutual Pet Insurance Coverage
Liberty Mutual sells three core plan types: accident only, accident and illness, and accident, illness and wellness, so you can match pet insurance coverage to your pet’s needs and your budget. Policy details and availability vary by state, so review your sample policy or start a quote for exact terms.
$250, $500, $1,000 | |
$5,000, $10,000, $15,000 | |
70%, 80%, 90% | |
Coverage for accident-only plan | Treatment for accidental injuries, ingestion of foreign objects (limited to specified treatments per year), surgery, hospitalization, diagnostics, anesthesia or euthanasia for injury, accidental death |
Coverage for accident & illness plan | All accident coverages plus illnesses such as infections and cancer, hereditary and congenital conditions, behavioral therapy and many diagnostic and specialist services |
Coverage for accident, illness & wellness plan | Includes routine and preventive care (vaccines, checkups, parasite prevention, routine dental cleaning, spay/neuter in some cases) in addition to accident & illness benefits |
14-day waiting period for accidents, illnesses and other conditions (behavioral and hereditary) | |
Pre-existing conditions | Conditions that developed before enrollment or during the waiting periods are excluded |
Bilateral conditions | Bilateral conditions may be treated as pre-existing if one side showed signs before coverage |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
Liberty Mutual Pet Insurance Coverage Add-Ons
Liberty Mutual doesn't offer optional add-ons, choosing to focus on its three plan types instead. Those who want comprehensive coverage may pick between the company's Accident and Illness coverage and Accident, Illness, and Wellness coverage.
Is Liberty Mutual Pet Insurance Good: Bottom Line
Liberty Mutual charges $65 monthly for dog insurance and $38 for cat coverage on average. The company ranks eighth nationally for customer experience but has low third-party ratings from Trustpilot and maintains a BBB accreditation. Pet owners can select from accident-only or comprehensive accident and illness plans, with optional wellness coverage available for routine care needs.
Browse through our review guides for the top pet insurance companies for your pet:
Liberty Mutual Pet Insurance Review: FAQ
Find answers to common questions about Liberty Mutual pet insurance coverage below.
Is Liberty Mutual pet insurance worth it in 2025?
Although Liberty Mutual pet insurance is worth it in 2025, it's not the strongest option. The provider ranks low in customer experience but delivers solid coverage options. Monthly premiums average $65 for dogs and $38 for cats, making it reasonably affordable for basic protection needs.
What do Reddit users really think about Liberty Mutual pet insurance?
Reddit users show mixed feelings about Liberty Mutual pet insurance. Our data reveals 57% positive sentiment, with four favorable comments versus three negative ones. Additional Reddit research confirms this divide: users often praise helpful customer service representatives, while others express frustration with claim processing delays and coverage gaps for certain conditions.
Does Liberty Mutual cover pre-existing conditions for pets?
Liberty Mutual excludes pre-existing conditions from pet insurance coverage. Curable conditions may become eligible if your pet remains symptom-free and treatment-free for 180 days. Chronic conditions, knee problems and ligament injuries remain permanently excluded from coverage.
Can I get a discount for insuring multiple pets with Liberty Mutual?
Liberty Mutual provides a multi-pet discount that reduces your premium when you insure multiple pets on the same policy. The company also offers additional savings through AAA membership, employee benefit programs and other qualifying discounts that can help lower your overall costs.
Is Liberty Mutual pet insurance available in my state?
Yes, Liberty Mutual pet insurance is available in all 50 states. Premium rates vary by location. Cat coverage ranges from $27 monthly in Arkansas to $48 in Washington. Dog insurance costs between $46 per month in Arkansas and $80 in Massachusetts.
How We Rated Liberty Mutual Pet Insurance
Pet insurance shopping feels overwhelming with so many options available. We analyzed how Liberty Mutual performs across the following key areas:
Affordability (50% of score): We gathered premium quotes across various pet breeds, ages and coverage levels, incorporating available discounts to reflect the actual costs pet owners pay.
Customer Experience (30% of score): We computed this score by collecting customer feedback and ratings from platforms like Trustpilot and Reddit to gauge real user experiences.
Coverage Options (20% of score): We examined policy benefits, available add-ons and overall coverage breadth to assess how well plans meet diverse pet owner needs.
Our analysis uses standardized quotes for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll with a $500 deductible, $5,000 annual limit and an 80% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Better Business Bureau. "Liberty Mutual." Accessed January 20, 2026.
- Trustpilot. "Liberty Mutual." Accessed January 20, 2026.