Pet Insurance · Dogs and cats

They're family. Cover them like it.

The dog who waits at the door. The cat who owns the couch. When one of them gets hurt or sick, the vet bill should be the last thing on your mind.

They'd do anything for you.

Pet insurance helps with the vet bills, so the call is about your pet, not your wallet.

Get my pet quote

Your quote

Tell us about your pet.

  1. 01Pick dog or cat.
  2. 02Add your pet's name and your state.
  3. 03Hit "Fetch my quote."

Liberty Mutual set this quote tool up for our agency, so we're right here if you have questions. Call or text 816-965-2339.

What it covers

Two ways to cover them.

From the unexpected to the routine. Pick the plan, then the deductible and reimbursement that fit you.

01

Accident & Illness

For the unexpected: the big, scary vet visits.

  • Accidental injuries, including to permanent teeth
  • Illnesses, including cancer, influenza and kennel cough
  • Alternative medicine
  • Behavioral therapy
  • Hereditary and congenital conditions
  • Swallowing a foreign object (up to two treatments per policy year)
  • Euthanasia or anesthesia
  • Cremation and burial expenses
  • Accidental death

02

Accidents, Illness & Wellness

Everything in Accident & Illness, plus set amounts for routine care. These are not subject to the deductible or annual maximum.

Wellness

Routine dental cleaning
$100
Routine physical exam
$50
Fecal exam
$25*
Intestinal deworming
$25
Heartworm test
$25*

Preventive care

Flea and tick prevention
$50
Prescribed medication
$50
Dietary food and vitamin supplements
$50
Vitamin boosters and vaccinations
$50

*Twice a year, up to $50 a year.

Make it fit your budget.

Choose each of these when you get your quote.

Reimbursement
70%, 80% or 90%
Deductible
$250, $500 or $1k
Annual maximum
$5k, $10k or $15k

How it works.

  1. 01

    Take your pet to the vet.

    Any licensed vet in the U.S. or Canada, including specialists and emergency vets.

  2. 02

    Submit your claim.

    Pay your bill at the visit, then send the claim with the vet records and invoice.

  3. 03

    Get paid back.

    Reimbursements are typically processed within 10 days, and you can follow your claim by email.

Who can sign up: dogs and cats 8 weeks or older, whether or not you have other coverage with Liberty Mutual. New policies are not available for dogs over 13 or cats over 15; a policy started before then can be renewed for the life of your pet, at Liberty Mutual's discretion, as long as coverage stays in force.

Waiting period: 14 days for all coverages.

Pre-existing conditions, cosmetic procedures and costs tied to breeding or pregnancy are not covered. Waiting periods, deductibles, benefit limits and exclusions may apply. Wellness reimbursements follow a schedule. Products, rates and discounts may vary by state and are subject to change. Coverage is provided by Liberty Mutual.

Nine lives. One phone call.

Questions first? Chris, Jeff or Carter will walk you through it, and look at your pet coverage next to your home and auto too.