Travelers Pet Insurance 2025: Full Review, Pros & Cons
Our expert's opinion on Travelers
Travelers pet insurance (underwritten by Independence American Insurance Company) offers straightforward Accident Only and Accident + Illness options with tiered limits and reimbursement choices designed for predictable coverage needs.
Plans are available with 70% or 90% reimbursement and annual limits typically set at $2,500 or $10,000, with deductible examples shown at $100 or $500; waiting periods are 14 days for accidents and, where illness cover applies, 14 days for illnesses, while routine preventive care and most wellness services are excluded from coverage. Compared with major competitors, Travelers presents clear, low-entry accident-only pricing and high-limit accident+illness tiers that compete on transparent tiering and underwriting consistency rather than broad wellness inclusion.
Best suited for owners seeking flexible accident-only protection or standard accident+illness cover with choice of higher reimbursement or higher limits, including those who prioritize catastrophic medical coverage over routine wellness benefits.
Underwritten by Independence American Insurance Company with administrative offices in Akron, OH, Travelers allows electronic claim submission; customer feedback highlights both prompt approvals in some cases and recurring complaints about claim denials, delays, billing and cancellation issues, and inconsistent customer-service experiences.
- ✅Clear plan tiers: Accident Only and Accident + Illness
- ✅Reimbursement options at 70% and 90%
- ✅$2,500 and $10,000 annual limit choices
- ✅Lower-cost accident-only entry option
- ✅Alternative medicine coverage included
- ✅Microchip implantation covered
- ✅Poison control consultation covered
- ❌Preventive care and routine wellness excluded
- ❌Most dental procedures and cleanings excluded
- ❌Customer reports of claim denials and delays
- ❌No published lifetime cover details
- ❌Top-tier plans carry high monthly premiums
Our expert's opinion on Travelers
- ✅Clear plan tiers: Accident Only and Accident + Illness
- ✅Reimbursement options at 70% and 90%
- ✅$2,500 and $10,000 annual limit choices
- ✅Lower-cost accident-only entry option
- ✅Alternative medicine coverage included
- ✅Microchip implantation covered
- ✅Poison control consultation covered
- ❌Preventive care and routine wellness excluded
- ❌Most dental procedures and cleanings excluded
- ❌Customer reports of claim denials and delays
- ❌No published lifetime cover details
- ❌Top-tier plans carry high monthly premiums
- ✅Clear plan tiers: Accident Only and Accident + Illness
- ✅Reimbursement options at 70% and 90%
- ✅$2,500 and $10,000 annual limit choices
- ✅Lower-cost accident-only entry option
- ✅Alternative medicine coverage included
- ✅Microchip implantation covered
- ✅Poison control consultation covered
Why trust Hellosafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis.
Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
Guarantees for Travelers
Travelers offers four core configurations split between accident‑only and combined accident + illness designs, allowing pet owners to choose coverage that best fits their risk tolerance and budget. Positioning ranges from entry-level accident protection to higher‑benefit accident + illness options; reimbursement choices are presented as tiered plan levels (notably 70% and 90%) paired with selectable annual limits ($2,500 or $10,000 in the catalog examples) and deductible examples reflected in pricing scenarios. Key clinical features include coverage for emergency care, consultations, surgery, imaging, lab tests and specialist fees, with alternative medicine accepted under the plans and implantation‑only identification supported; radiotherapy is available on the accident + illness variants. Standard operational conditions include a 14‑day waiting period for accidents across all plans and a 14‑day illness waiting period on illness plans, and the products are underwritten by Independence American Insurance Company; main strengths are clear plan differentiation and inclusion of core surgical/diagnostic care, while limitations include restricted preventive/dental coverage and explicit exclusions for pre‑existing and activity‑related conditions.
Accident Only (Plan 1) | Accident Only (Plan 2) | Accident + Illness (Plan 3) | Accident + Illness (Plan 4) | |
---|---|---|---|---|
Plan positioning | Entry‑level accident protection | Enhanced accident protection (higher reimb./limit) | Balanced accident + illness protection | Enhanced accident + illness protection (higher reimb./limit) |
Type of coverage | Accident only | Accident only | Accident & Illness | Accident & Illness |
Animals covered | Dogs, Cats | Dogs, Cats | Dogs, Cats | Dogs, Cats |
Reimbursement rate | 70% | 90% | 70% | 90% |
Annual reimbursement limit | $2,500 | $10,000 | $2,500 | $10,000 |
Deductible (annual or per claim) | $500 (pricing example) | $100 (pricing example) | $500 (pricing example) | $100 (pricing example) |
Age limits for enrollment | N.C. | N.C. | N.C. | N.C. |
Pre-enrollment health questionnaire | N.C. | N.C. | N.C. | N.C. |
Waiting periods (accident / illness) | 14 days / N/A | 14 days / N/A | 14 days / 14 days | 14 days / 14 days |
Lifetime coverage | N.C. | N.C. | N.C. | N.C. |
Consultations | Yes | Yes | Yes | Yes |
Medications | N.C. | N.C. | N.C. | N.C. |
Hospitalization | Yes | Yes | Yes | Yes |
Surgery | Yes | Yes | Yes | Yes |
Diagnostic tests | Imaging & lab tests: Yes | Imaging & lab tests: Yes | Imaging & lab tests: Yes | Imaging & lab tests: Yes |
Dental care | No | No | No | No |
Preventive care | No | No | No | No |
Alternative medicine | Yes | Yes | Yes | Yes |
Travel coverage | N.C. | N.C. | N.C. | N.C. |
Civil liability | N.C. | N.C. | N.C. | N.C. |
Euthanasia | Yes | Yes | Yes | Yes |
Death & cremation coverage | Cremation: Yes | Cremation: Yes | Cremation: Yes | Cremation: Yes |
Theft or loss + search expenses | N.C. | N.C. | N.C. | N.C. |
Boarding fees | No | No | No | No |
Pre‑existing conditions are excluded: any illness, disease or injury that showed signs before the policy effective date or during the 14‑day waiting period is not covered, and certain curable conditions require a symptom‑ and treatment‑free period (180 days in the policy framework) before eligibility for cover is restored. Orthopedic and ligament/knee conditions are treated with specific restrictions: if they existed before coverage or during a waiting period they are excluded, and bilateral or related leg exclusions can apply.
Routine preventive care, vaccinations, parasite control and routine dental prophylaxis are explicitly excluded across plans, as are elective and cosmetic procedures, breeding/pregnancy/whelping costs, prescription food/supplements for general health, and many non‑medical fees (boarding, grooming, transport, administrative fees).
Other notable limitations include exclusions for injuries arising from organized racing/fighting or commercial/working activities, exclusions tied to owner negligence or intentional acts, and carve‑outs for experimental treatments, organ transplants and major catastrophic events (war, nuclear incidents, or declared pandemics).
Travelers Exclusions
Travelers’ pet policies exclude a wide range of conditions and services, with pre‑existing conditions and many elective or preventive treatments listed prominently.
Notable specific exclusions include ligament and knee conditions treated as bilateral and excluded if present before the policy effective date or during the waiting period, and comprehensive dental work (aesthetic, endodontic, orthodontic) with routine cleanings excluded except when treating a covered illness.
The policy also excludes routine wellness care (vaccinations, parasite prevention), breeding and cosmetic procedures, prescription foods and supplements, owner‑related incidents, and activities such as organized fighting or professional racing.
Major‑event exclusions cover pandemic‑related losses as declared by the USDA, acts of war and nuclear events, and the policy also omits coverage for experimental or transplant procedures along with many non‑medical and administrative fees (boarding, grooming, transport, administrative charges).
Exclusions | Details |
---|---|
Medical exclusions | Pre‑existing conditions; Ligament and knee conditions treated as bilateral and excluded if present before effective date or during waiting period; Experimental or investigational treatments; Organ or heart valve transplants |
Preventive and routine care | Routine wellness exams; Vaccinations; Flea, tick and heartworm prevention; Routine diagnostics and maintenance procedures |
Dental exclusions | Aesthetic/cosmetic dental procedures; Endodontic and orthodontic services (caps, crowns, fillings, root canals); Dental cleanings excluded unless to treat a covered illness |
Breeding, reproductive & cosmetic procedures | Breeding, pregnancy, whelping, nursing; Elective spaying/neutering; Tail docking, ear cropping, declawing |
Food, supplements & non‑formulary items | Prescription food for prevention/weight management; Herbal products (including CBD); Vitamins and supplements for general health |
Behavioral & activity exclusions | Injuries from organized fighting; Racing, coursing; Law enforcement, guarding, or personal protection activities; Training‑related treatments and devices |
Owner‑related & negligence exclusions | Injuries caused intentionally or maliciously by the owner; Treatment performed by the owner or immediate family; Conditions arising from failure to follow veterinary advice |
Non‑medical & administrative exclusions | Boarding and grooming; Toys, leashes, bedding; Travel and transport expenses; Administrative fees, medical waste fees, postage, taxes |
Geographic & major events | Pandemic‑related losses as declared by the USDA; Acts of war; Nuclear events |
Other specific exclusions | Anal sac expression when no infection is present; Training devices and certain procedural exclusions |
Prices for Travelers
Travelers positions itself between entry-level and mid-range in the pet insurance market by offering very affordable accident‑only options alongside more comprehensive accident + illness plans with higher reimbursement levels and annual limits. Low starting premiums for basic accident coverage make it accessible for owners seeking minimal protection, while the higher‑priced accident + illness configurations reflect broader coverage and services that align with mid‑market expectations.
Reimbursement percentages, deductible choices, and annual limits drive competitiveness: higher reimbursement rates and lower deductibles increase out‑of‑pocket relief but raise monthly premiums, whereas accident‑only plans with modest limits keep costs down. Key differentiators include digital claims submission, coverage for poison control consultations, identification implantation coverage, and the inclusion of radiotherapy and broader treatments only on accident + illness tiers, which can justify the price gap compared with more traditional, less digitally enabled providers. To help you find the best match between your needs and budget, compare the monthly estimated prices below.
Profile of the animal | Accident only ($500 Ded., 70% Reimb., $2500 Limit) | Accident only ($100 Ded., 90% Reimb., $10000 Limit) | Accident + illness ($500 Ded., 70% Reimb., $2500 Limit) | Accident + illness ($100 Ded., 90% Reimb., $10000 Limit) |
---|---|---|---|---|
Dog Labrador 1 year | $24.59 | $74.34 | $41.94 | $137.07 |
Dog Labrador 3 years | $24.59 | $74.34 | $41.94 | $137.07 |
Dog Labrador 7 years | $24.59 | $74.34 | $41.94 | $137.07 |
Dog Australian Shepherd 1 year | $24.59 | $74.34 | $41.94 | $137.07 |
Dog Australian Shepherd 3 years | $24.59 | $74.34 | $41.94 | $137.07 |
Dog Australian Shepherd 7 years | $24.59 | $74.34 | $41.94 | $137.07 |
Dog French Bulldog 1 year | $24.59 | $74.34 | $41.94 | $137.07 |
Dog French Bulldog 3 years | $24.59 | $74.34 | $41.94 | $137.07 |
Dog French Bulldog 7 years | $24.59 | $74.34 | $41.94 | $137.07 |
Cat European Shorthair 1 year | $24.59 | $74.34 | $41.94 | $137.07 |
Cat European Shorthair 3 years | $24.59 | $74.34 | $41.94 | $137.07 |
Cat European Shorthair 7 years | $24.59 | $74.34 | $41.94 | $137.07 |
Cat Maine Coon 1 year | $24.59 | $74.34 | $41.94 | $137.07 |
Cat Maine Coon 3 years | $24.59 | $74.34 | $41.94 | $137.07 |
Cat Maine Coon 7 years | $24.59 | $74.34 | $41.94 | $137.07 |
Cat British Shorthair 1 year | $24.59 | $74.34 | $41.94 | $137.07 |
Cat British Shorthair 3 years | $24.59 | $74.34 | $41.94 | $137.07 |
Cat British Shorthair 7 years | $24.59 | $74.34 | $41.94 | $137.07 |
Travelers Promo Codes
Travelers Promo Codes | Details |
---|---|
HelloSafe Promo Code | -5% on your quote |
How much will I be reimbursed with Travelers?
✅ Example 1: Emergency orthopedic surgery (hit by car)
Total vet costs: $4,200
Deductible amount to subtract: $100 (annual deductible)
Amount reimbursable after deductible with the Optimal plan: $4,200 – $100 = $4,100
90% of that amount reimbursed: $4,100 × 90% = $3,690
Remaining out-of-pocket cost: $4,200 – $3,690 = $510
👉 You receive a reimbursement of $3,690.
Deductible and Out-of-Pocket Information
The deductible applies once per policy year; the remaining out-of-pocket includes the deductible plus the 10% co-insurance.
✅ Example 2: Cat urinary blockage (hospitalization, imaging, meds)
Total vet costs: $1,200
Deductible amount to subtract: $0 (deductible already met earlier in the policy year)
Amount reimbursable after deductible with the Optimal plan: $1,200 – $0 = $1,200
90% of that amount reimbursed: $1,200 × 90% = $1,080
Remaining out-of-pocket cost: $1,200 – $1,080 = $120
👉 You receive a reimbursement of $1,080.
Impact on Annual Coverage Cap
*Reimbursements reduce your annual coverage cap; track remaining limits if you have a set annual maximum (e.g., $10,000).*
✅ Example 3: Dental extraction for infection (therapeutic dental procedure)
Total vet costs: $800
Deductible amount to subtract: $100 (this is the first claim this year)
Amount reimbursable after deductible with the Optimal plan: $800 – $100 = $700
90% of that amount reimbursed: $700 × 90% = $630
Remaining out-of-pocket cost: $800 – $630 = $170
👉 You receive a reimbursement of $630.
Note on Dental Coverage
*Routine dental cleanings are typically not covered; this example applies because the extraction treats an illness/infection and is eligible under the plan.*
Assistance for Travelers
Travelers reimburses poison control consultation fees, a practical benefit that reduces out‑of-pocket costs for urgent toxic exposure events. Claims can be submitted electronically via online claim forms, enabling a largely paperless submission process that helps streamline reimbursements. There is no dedicated 24/7 veterinary teleconsultation or established partner clinic network, so owners should plan for local emergency clinics for immediate triage. Advance payment services and formal installment payment plans are not offered, meaning owners should be prepared to cover treatment costs at the point of care or use third‑party financing.
Assistance Travelers | Available? | Details |
---|---|---|
Advance payment | ❌ | N.C. |
Payment facilities | ❌ | N.C. |
Mobile app | ❌ | N.C. |
Paperless claims process | ✅ | Claims can be submitted electronically via online claim forms. Supports digital uploads and tracking through the insurer's portal. |
Emergency vet service | ❌ | No dedicated 24/7 teleconsultation line is provided. Owners should rely on local emergency clinics for immediate care. |
Vet/clinic partner network | ❌ | N.C. |
Coverage abroad | ❌ | N.C. |
Supports digital uploads and tracking through the insurer's portal.
Owners should rely on local emergency clinics for immediate care.
Customer reviews for Travelers
Review platform | Rating and number of reviews |
---|---|
Trustpilot | 1.6/5 (88 reviews) |
A small portion of reviewers note positive interactions with adjusters and report instances of prompt approvals and clear communication during specific claims, which some customers describe as well-managed and professional. Immediate experiences that worked well for policyholders often relate to straightforward processes for covered claims and timely responses from individual representatives.
Conversely, a larger share of feedback emphasizes difficulties with claims handling, including denials, delays, and perceived lack of transparency around decisions and billing. Customers also report frustrations with cancellations, policy non‑renewals following claims, and challenges reaching consistent customer support, which collectively shape a pattern of concerns about reliability and clarity.
There are no pet-insurance-specific customer reviews for Travelers on major public review platforms to illustrate pet policy experiences.
Contact Travelers
Travelers Customer Service | Details |
---|---|
To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Online subscription process: N.C. |
To request and track a reimbursement | Submit claims using the online claim form. Required supporting documents: N.C. Claim tracking process and deadlines: N.C. Reimbursement method (e.g., direct deposit, check): N.C. |
To obtain a certificate of insurance | Procedure to request a certificate: N.C. Available request channels (portal, email, phone, mail): N.C. Information needed to issue the certificate: N.C. |
To contact assistance | Online claim portal: use the insurer’s online claim forms; Postal mail: Independence American Insurance Company, 1208 Massillon Rd, Suite G200, Akron, OH 44306; Phone: N.C.; Email: N.C.; Customer Satisfaction Department contact: N.C. |
To cancel my policy | Cancellation procedure: N.C. Information to provide when cancelling (policy number, pet details, effective date): N.C. Notice period and refund/proration conditions: N.C. |
FAQ
Do I have to pay upfront for veterinary fees with Travelers?
You generally pay the veterinary bill at the time of treatment and then submit an electronic claim for reimbursement. Use Travelers’ online claim form to upload the itemized invoice and medical records. Reimbursement is calculated after your deductible and at the chosen reimbursement percentage, up to your annual limit. If prior authorization was requested for a procedure, include that documentation to help avoid delays.
How do I cancel my pet insurance policy with Travelers?
Contact Travelers’ customer service or your agent and provide your policy number and pet details to request cancellation. Submit the cancellation in writing if requested and follow any instructions from the Customer Satisfaction Department. The effective cancellation date, refund or proration will be handled according to your policy terms. Keep confirmation of the cancellation for your records.
What waiting periods apply before coverage takes effect?
Accident and illness plans carry a 14‑day waiting period for covered events, with accident-only configurations applying 14 days for accidents and illness coverage marked N/A. Certain conditions, such as ligament and knee issues, may have additional exclusions or specific handling. Some curable pre‑existing conditions may become eligible after a pet is symptom‑ and treatment‑free for a specified period (commonly 180 days). Always confirm waiting periods for the exact plan you select.
How do reimbursement rates, deductibles, and annual limits work?
Typical plan examples show reimbursement options of 70% or 90% with annual limits such as $2,500 or $10,000 and sample deductibles like $500 or $100. You pay the deductible first, then Travelers reimburses the insured percentage of eligible expenses until the annual limit is reached. Your choice of deductible, reimbursement percentage, and annual limit determines your premium and out‑of‑pocket exposure. Keep track of reimbursements against your annual cap to know how much coverage remains.
What exclusions should I expect under Travelers pet insurance?
Pre‑existing conditions, ligament/knee conditions present before or during waiting periods, routine preventive care, most dental procedures (except certain accident‑related extractions), breeding and cosmetic procedures, and experimental treatments are commonly excluded. Owner‑caused injuries, organized fighting/racing activities, non‑medical fees (grooming, boarding, administrative charges), and foods or supplements are not covered. Major events such as declared pandemics, acts of war, and nuclear incidents are also excluded.
How do I submit a claim and what should I expect on processing time?
Submit claims electronically via the online claim form and attach the itemized invoice, medical records, and any prior‑authorization paperwork if required. Include clear invoices showing dates, itemized services, and provider information to speed review. Processing times vary depending on documentation completeness and complexity; follow up with Customer Satisfaction if you need a status update. Retain copies of all submitted documents and any claim reference numbers for follow‑up.
Do I have to pay upfront for veterinary fees with Travelers?
You generally pay the veterinary bill at the time of treatment and then submit an electronic claim for reimbursement. Use Travelers’ online claim form to upload the itemized invoice and medical records. Reimbursement is calculated after your deductible and at the chosen reimbursement percentage, up to your annual limit. If prior authorization was requested for a procedure, include that documentation to help avoid delays.
How do I cancel my pet insurance policy with Travelers?
Contact Travelers’ customer service or your agent and provide your policy number and pet details to request cancellation. Submit the cancellation in writing if requested and follow any instructions from the Customer Satisfaction Department. The effective cancellation date, refund or proration will be handled according to your policy terms. Keep confirmation of the cancellation for your records.
What waiting periods apply before coverage takes effect?
Accident and illness plans carry a 14‑day waiting period for covered events, with accident-only configurations applying 14 days for accidents and illness coverage marked N/A. Certain conditions, such as ligament and knee issues, may have additional exclusions or specific handling. Some curable pre‑existing conditions may become eligible after a pet is symptom‑ and treatment‑free for a specified period (commonly 180 days). Always confirm waiting periods for the exact plan you select.
How do reimbursement rates, deductibles, and annual limits work?
Typical plan examples show reimbursement options of 70% or 90% with annual limits such as $2,500 or $10,000 and sample deductibles like $500 or $100. You pay the deductible first, then Travelers reimburses the insured percentage of eligible expenses until the annual limit is reached. Your choice of deductible, reimbursement percentage, and annual limit determines your premium and out‑of‑pocket exposure. Keep track of reimbursements against your annual cap to know how much coverage remains.
What exclusions should I expect under Travelers pet insurance?
Pre‑existing conditions, ligament/knee conditions present before or during waiting periods, routine preventive care, most dental procedures (except certain accident‑related extractions), breeding and cosmetic procedures, and experimental treatments are commonly excluded. Owner‑caused injuries, organized fighting/racing activities, non‑medical fees (grooming, boarding, administrative charges), and foods or supplements are not covered. Major events such as declared pandemics, acts of war, and nuclear incidents are also excluded.
How do I submit a claim and what should I expect on processing time?
Submit claims electronically via the online claim form and attach the itemized invoice, medical records, and any prior‑authorization paperwork if required. Include clear invoices showing dates, itemized services, and provider information to speed review. Processing times vary depending on documentation completeness and complexity; follow up with Customer Satisfaction if you need a status update. Retain copies of all submitted documents and any claim reference numbers for follow‑up.