Liberty Mutual Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison

We all have definitely realized the importance of an insurance plan as the costs of vet care is rising day by day with inflation increasing and newer technology getting introduced every now and then to the field of veterinary medicine. Most of us do not have a habit of saving or keeping aside a specific fund for a rainy day. This is exactly why an accident & illness pet insurance can help because when, God-forbid, a pet gets unexpectedly sick or hurt, policyholders have someone who can help with the covered costs.

See How Spot Stacks Up!

Sometimes people don’t know the importance or potential value of insurance, and they don’t know what to think about when planning to get an insurance plan, whom to trust and whom to not, what facilities to look for, and what priorities to set.

At such times, it becomes very necessary to choose the right pet insurance provider. We at Spot Pet insurance have never shied away from comparing ourselves to several companies in the industry. The reason is that if we are good at what we do, everyone should know, and if we are not good at something, then we need to learn and improve on the same.

Our mission is to make it as easy and transparent as possible for you as a responsible and loving pet parent. Because we know that the thought of your pet getting sick in the future is already making you feel low and sad.

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No Upper Age Limit

Exam Fees

Behavioral Issues

Preventive Care

Microchip

Prescription Foods

Alternative Therapies

Chronic Conditions

One Annual Deductible

Specialists

Hereditary & Congenital Conditions

Dental Illness

Multi Pet Discount

30-Day Money Back Guarantee

Liberty Mutual

Included

Not included/Some inclusions

Comparison information is provided using publicly available information as of 3/2/24 and is only meant to summarize program features, not a specific plan. Review each provider’s plan terms for more details. The descriptions of other providers’ plans were not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. Although we attempt to keep information up to date, it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing marketing@spotpet.com.

Spot Pet Insurance Plans vs. Liberty Mutual Pet Insurance Plans

This article compares Liberty Insurance plan options to Spot Pet Insurance plan options. And here are some of the ways their plans differ from ours –

30-day money-back guarantee

Spot plans offer a 30-day money-back guarantee which Liberty Mutual pet insurance plans do not provide.

Spot plans’ 30-day money-back guarantee is only available if no covered claims have been filed, and it’s not available in the stats of New York.

Prescription Diets & Dietary Supplements

Spot plans cover the costs of eligible diets when prescribed by a vet to treat a covered condition. Prescription food for general weight or health maintenance is not covered. Liberty Mutual pet insurance plans do not cover prescription foods.

Microchip implantation

One of the must-have tools for pet parents is a microchip. Lost dogs have a much better chance of getting back to their owners if they have a microchip implanted. Microchip implantation may cost between $30 and $50, with prices varying by location. Spot Plans include coverage for microchip implantation in all core plans.

Multiple Pet Discount

Spot plans offer a 10% multi-pet discount for every additional pet insured. Liberty Mutual pet insurance plans only offer a 5 percent per policy premium discount for two pets and a 10 percent per policy discount for three or more pets.

Accident only plan

Want to get coverage for unexpected accidents only? Both providers offer an accident-only plan.

The above pointers are where both companies differ in terms of policies. There are some common offerings as well that you, as a parent, can avail yourself of options from both providers. These include –