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

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

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Exam Fees

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Behavioral Issues

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Preventive Care

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Prescription Foods

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Alternative Therapies

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Chronic Conditions

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One Annual Deductible

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Hereditary & Congenital Conditions

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Dental Illness

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Multi Pet Discount

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30-Day Money Back Guarantee

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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

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 –

Alternative Therapies

Spot plans cover alternative therapies prescribed to treat covered conditions – These include acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy.

Behavioral Problems

This is something that may feel temporary but can be quite severe.

Dental Illnesses

Our canine pets are infamous for having several dental diseases in their lifetime. And they can be costly to treat as well.

Chronic Conditions

Including illnesses like diabetes, cancer, etc. which may need prolonged care.

Licensed Specialists

Your pet can run into some covered condition that needs immediate treatment from a licensed specialist. 

Eligible care from a licensed specialist for a covered condition is covered.

One Annual Deductible

There are various plans available in terms of annual deductibles. Spot offers seven options for an annual deductible between $100 - $1,000, allowing you to choose the best fit for you. Liberty Mutual only offers three annual deductible options between $250 - $1000.

These are key points that we think you, as a pet parent, would have questions about. And we believe we tried to clarify most of them for you. We absolutely leave the choice up to you to decide on a viable insurance plan for your beloved pet, and we know that you will not compromise when it comes to them. You will definitely make the best choice. Our job here was only to provide you with the right and relevant information so that you make an informed decision.

A French Bulldog puppy with a green toy ball and a Spot pet insurance rating of 4.7/5 from 4948 reviews.

Tucker's Road to Recovery

When emotional support dog Tucker experienced a life-threatening injury to his neck, he needed extensive treatment. His pet parent Kim was able to choose the treatment option that would provide Tucker with the best quality of life because of the financial support provided by Tucker's Spot plan.

Cost of Treatment: $4,305

Spot Plan Reimbursed: $3,874.505

Have More Questions?

Visit our blog to learn more about how pet insurance works and the benefits it can offer you and your pet.

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