Liberty'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 requires a 14-day waiting period for accident coverage, which matches industry standards.
Liberty Pet Insurance Review
Updated: October 16, 2025
Advertising & Editorial Disclosure
Liberty Pet Insurance Review: Key Takeaways
Liberty ranks 11th nationally for pet insurance affordability, with monthly premiums averaging $38 for cats and $65 for dogs.
Liberty ranks eighth for customer experience in MoneyGeek's analysis, though customer reviews on third-party sites indicate moderate satisfaction with their pet insurance services.
Ranking eighth nationwide for coverage, Liberty offers comprehensive accident and illness policies with optional wellness riders for preventive care.
Liberty Pet Insurance Ratings
Data filtered by:Results filtered by:
Dog
Pet Type:Dog
| Affordability | 3.23 | 11 |
| Coverage | 2.61 | 8 |
| Customer Experience | 1.67 | 8 |
| Overall Score | 2.65 | 12 |
WHO IS LIBERTY PET INSURANCE BEST FOR?
Liberty ranks among the best pet insurance companies for owners seeking comprehensive coverage, including hereditary conditions and exam fees. The provider offers customizable deductible options and covers behavioral issues without extra costs. Standard waiting periods may not suit pet parents who need immediate accident protection.
Liberty Pet Insurance Ratings by State
Liberty 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 doesn't secure top-three rankings anywhere, it maintains a consistent 8th-place performance for coverage and customer experience across all 50 states.
Data filtered by:Results filtered by:
Overall Score
Category:Overall Score
Dog
Pet Type:Dog
| Alabama | 2.50 | 14 |
| Alaska | 2.40 | 14 |
| Arizona | 2.70 | 13 |
| Arkansas | 2.65 | 13 |
| California | 2.70 | 12 |
| Colorado | 2.75 | 12 |
| Connecticut | 2.40 | 14 |
| Delaware | 2.50 | 14 |
| Florida | 3.00 | 11 |
| Georgia | 2.70 | 11 |
| Hawaii | 2.50 | 13 |
| Idaho | 2.50 | 13 |
| Illinois | 2.65 | 13 |
| Indiana | 2.75 | 11 |
| Iowa | 2.75 | 12 |
| Kansas | 2.60 | 13 |
| Kentucky | 2.45 | 14 |
| Louisiana | 2.85 | 12 |
| Maine | 2.70 | 11 |
| Maryland | 2.80 | 12 |
| Massachusetts | 2.75 | 11 |
| Michigan | 2.55 | 14 |
| Minnesota | 2.80 | 11 |
| Mississippi | 2.50 | 14 |
| Missouri | 2.75 | 12 |
| Montana | 2.65 | 13 |
| Nebraska | 2.60 | 13 |
| Nevada | 2.70 | 12 |
| New Hampshire | 2.65 | 12 |
| New Jersey | 2.70 | 12 |
| New Mexico | 2.50 | 14 |
| New York | 2.80 | 11 |
| North Carolina | 2.55 | 12 |
| North Dakota | 2.60 | 13 |
| Ohio | 2.50 | 13 |
| Oklahoma | 2.55 | 13 |
| Oregon | 2.65 | 12 |
| Pennsylvania | 2.75 | 11 |
| Rhode Island | 2.80 | 12 |
| South Carolina | 2.45 | 14 |
| South Dakota | 2.55 | 12 |
| Tennessee | 2.75 | 12 |
| Texas | 2.85 | 11 |
| Utah | 2.50 | 13 |
| Vermont | 2.70 | 12 |
| Virginia | 2.70 | 10 |
| Washington | 2.90 | 12 |
| West Virginia | 2.55 | 13 |
| Wisconsin | 2.45 | 14 |
| Wyoming | 2.60 | 13 |
Liberty Pet Insurance Comparison
See how Liberty pet insurance fares against national competitors below.
Liberty 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 vs. ASPCA | • Dogs: 2.65 vs. 3.85 • Cats: 2.30 vs. 3.35 | ASPCA offers lower premiums and better customer service, while Liberty lags in coverage and customer experience. |
Liberty 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 vs. Fetch | • Dogs: 2.65 vs. 2.70 • Cats: 2.30 vs. 2.95 | Fetch provides stronger coverage and customer service, while Liberty costs slightly less for dog coverage. |
Liberty vs. Figo | • Dogs: 2.65 vs. 3.60 • Cats: 2.30 vs. 3.80 | Figo leads in coverage, affordability and customer service. |
Liberty vs. Hartville | • Dogs: 2.65 vs. 3.50 • Cats: 2.30 vs. 3.90 | Hartville outperforms Liberty across nearly all categories, particularly for cat affordability and coverage. |
Liberty vs. Lemonade | • Dogs: 2.65 vs. 4.50 • Cats: 2.30 vs. 4.25 | Lemonade costs less with higher overall scores. |
Liberty 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 vs. Nationwide | • Dogs: 2.65 vs. 2.50 • Cats: 2.30 vs. 2.65 | Nationwide costs more but provides better customer service. |
Liberty 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 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 vs. Rainwalk | • Dogs: 2.65 vs. 4.05 • Cats: 2.30 vs. 3.95 | Rainwalk delivers excellent customer service and stronger coverage, outshining Liberty. |
Liberty 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 Pet Insurance Cost?
Liberty'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 Pet Insurance Rates by State
Liberty's rates vary across states due to local veterinary costs and claim patterns. Liberty 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:Results filtered by:
Dog
Pet Type: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 Pet Insurance Rates by Breed
Liberty'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:Results filtered by:
Cat
Pet Type:Cat
Abyssinian
Breed:Abyssinian
| Abyssinian | $46 | $548 |
Is Liberty Pet Insurance Expensive?
Liberty ranks 11th in affordability for cats and dogs, meaning it's not the cheapest option. Use the filterable table below to see whether Liberty is expensive for your pet's age group and your chosen deductible, annual limit and reimbursement rate.
Data filtered by:Results filtered by:
Dog
Pet Type:Dog
Middle Aged
Pet Age Group:Middle Aged
$500
Deductible:$500
$5,000
Annual Limit:$5,000
80%
Reimbursement %:80%
| $75 | $898 | 4% |
Liberty Pet Insurance Discounts
Liberty 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 policies.
Liberty customer | Up to 10% | Available to existing Liberty 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 |
Affinity/employer/association | Varies (often up to 10%) | Members of participating employers, alumni groups, unions or associations may qualify; check eligibility during quote |
Stackable savings | Up to 20% total | Discounts can stack in many cases (for example, customer + multiple-pet + affinity discounts), subject to state rules |
Liberty Pet Insurance Customer Service Reviews and Ratings
Liberty 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 Trustpilot Reviews
Liberty receives a 1.1 out of 5 rating on Trustpilot from verified customers. The low score indicates many customers report negative experiences with Liberty's service and claims handling. Trustpilot collects verified reviews to provide honest feedback about company performance.
Liberty Better Business Bureau Rating
Liberty holds an A- rating from the Better Business Bureau and maintains accredited business status. The A- grade shows Liberty 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 Pet Insurance Reddit Sentiment
Liberty 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's claims process.
Liberty Pet Insurance Coverage
Liberty sells three core plan types: accident only, accident and illness, and accident, illness and wellness, so you can match 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.
Deductible | Choose annual deductibles of $250, $500, or $1,000 |
Annual limits (annual maximum) | $5,000, $10,000, $15,000 |
Reimbursement rates (coinsurance) | 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 and euthanasia for injury |
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; routine checkup reimbursement is limited (see policy) |
Waiting period | 14-day waiting period for coverage after policy issue for most coverages |
Pre-existing conditions | Pre-existing conditions are excluded; specific exclusions and definitions are in the policy |
Bilateral conditions | Bilateral conditions may be treated as pre-existing if one side showed signs before coverage; check the policy language |
Special limits/notes | Foreign-object ingestion treatments and some benefits may have per-year limits; no automatic termination due to age; alternative therapies and wellness benefits may be restricted by state |
*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 Pet Insurance Coverage Add-Ons
Liberty offers wellness and enhanced coverage through its combined plan types and optional benefits, allowing owners to add routine care or broaden limits.
Wellness/preventive care (Accident, Illness & Wellness) | Routine exams, vaccinations, flea/tick and heartworm prevention, bloodwork, some routine dental cleaning, spay/neuter (when covered by the wellness option); routine checkups may have a modest per-policy limit (check sample policy for the current dollar cap) |
Alternative and complementary therapies | Covered under Accident & Illness plans in many states (e.g., acupuncture, hydrotherapy, physiotherapy) when performed by a licensed veterinarian |
Cremation/burial for injury-related death | Cremation or burial coverage for injury-related death may be included under certain plans or situations; read your policy for details |
Additional coverage features | Choice of reimbursement, deductible and annual maximum to control premiums and out-of-pocket exposure; customer portal for claims submission and tracking |
Is Liberty Pet Insurance Good: Bottom Line
Liberty 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.
Liberty Pet Insurance Review: FAQ
Find answers to common questions about Liberty pet insurance coverage below.
Is Liberty pet insurance worth it in 2025?
Liberty pet insurance offers moderate value in 2025, though 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 pet insurance?
Reddit users show mixed feelings about Liberty 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 cover pre-existing conditions for pets?
Liberty 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?
Liberty 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 pet insurance available in my state?
Yes, Liberty 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 Pet Insurance
Pet insurance shopping feels overwhelming with so many options available. We analyzed how Liberty 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Better Business Bureau. "Liberty Mutual." Accessed October 20, 2025.
- Trustpilot. "Liberty Mutual." Accessed October 20, 2025.