If you’re a pet parent, you know how quickly vet bills can add up. From surprise injuries to long-term illnesses, caring for your dog or cat isn’t always cheap. That’s where pet insurance steps in—to help you protect your furry friend and your wallet.
Two big names offering pet insurance are Liberty Mutual and Progressive. But which one is better? Let’s compare them side by side and help you make the best decision for your pet in 2025.
First Things First: Who Actually Provides the Insurance?
Here’s the truth: Liberty Mutual and Progressive don’t run their own pet insurance programs.
Liberty Mutual partners with Hartville Pet Insurance, underwritten by United States Fire Insurance Company.
Progressive partners with Pets Best Insurance, which is one of the most popular names in pet insurance and is underwritten by American Pet Insurance Company.
So, when you buy through either company, you’re getting pet insurance from a third-party provider—just with the Liberty or Progressive brand attached.
Coverage Comparison: What’s Included?
Both Liberty Mutual and Progressive offer customizable plans that can cover:
Accidents & injuries
Illnesses (chronic & acute)
Surgeries & hospital stays
Prescription meds
Diagnostic tests (like X-rays & MRIs)
Hereditary & congenital conditions
But here’s what sets them apart:
Feature | Liberty Mutual | Progressive (Pets Best) |
|---|---|---|
Wellness coverage (routine care) | Optional add-on | Optional add-on |
Alternative therapies | Limited coverage | Included in many plans |
Dental illnesses | Covered in premium plans | Covered |
Behavioral therapy | Limited | Covered in most plans |
Annual coverage limit | Up to $10,000 | Up to unlimited options |
Deductible options | $100–$500 | $50–$1,000 |
Reimbursement options | 70%, 80%, 90% | 70%, 80%, 90% |
Verdict: Progressive (via Pets Best) gives you more flexibility, higher limits, and better coverage for things like behavioral therapy and alternative care.
Pricing: How Much Does It Cost?
The actual monthly cost depends on your pet’s breed, age, and location. But here’s what you can expect:
Liberty Mutual pet insurance usually starts around $35–$60/month for dogs and $20–$35/month for cats.
Progressive (Pets Best) starts slightly lower—around $30–$50/month for dogs and $15–$25/month for cats.
Plus, Progressive often offers discounts when you bundle with other insurance policies (like car or renters insurance).
Verdict: Progressive wins on lower starting prices and bundling discounts.
Claims & Customer Experience
Both providers let you submit claims online, through mobile apps, or by email.
Liberty Mutual offers online tools but doesn’t have a dedicated pet insurance app.
Progressive (Pets Best) has a dedicated app where you can manage your policy, submit claims, track reimbursements, and access 24/7 veterinary helplines.
Claim reimbursements usually take:
5–10 days with Liberty Mutual
3–5 days with Progressive (faster with direct deposit)
Verdict: Progressive has a smoother, faster, and more user-friendly experience.
Customer Reviews & Satisfaction
Let’s be honest—pet parents talk. And when they’re unhappy with service, you hear about it.
Liberty Mutual pet insurance has mixed reviews. Some customers report slow claims and limited coverage.
Progressive (Pets Best) is widely praised for quick reimbursements and affordable coverage, though some users say claims can still take time.
Verdict: Progressive scores better in overall satisfaction and customer trust.
🏆 The Final Winner: Progressive Pet Insurance
When it comes down to it, Progressive (through Pets Best) is the clear winner in 2025.
Why?
✅ Lower monthly prices
✅ More coverage options
✅ Higher annual limits
✅ Faster claims process
✅ Better tech and mobile tools
✅ More positive reviews
Liberty Mutual is still a decent option, especially if you already have insurance with them and want to keep everything under one brand. But if you're looking for the best value, flexibility, and service for your pet insurance—Progressive is the better choice.
Final Thoughts
No matter who you choose, having pet insurance gives you peace of mind. Vet emergencies can happen anytime, and having coverage means you can say “yes” to treatment without worrying about the bill.
If you want affordable, trusted, and flexible pet insurance, we recommend starting with Progressive. You can get a free quote in minutes and customize your plan based on your pet’s needs.