Travelers Pet Insurance 2025: Full Review, Pros & Cons

Our expert's opinion on Travelers

Last update: September 4, 2025

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3.4

Score

3.4

Score

A. Fruchard

Insurance expert

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.

Pros

• ✅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

Cons

• ❌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

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3.4

Score

3.4

Score

ProsCons

• ✅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

Our expert's opinion on Travelers

Last update: September 4, 2025

A. Fruchard

Insurance expert

Pros

• ✅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

Cons

• ❌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

Discover the offer

3.4

Score

3.4

Score

ProsCons

• ✅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

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.

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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.

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).

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.

Travelers Promo Codes

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.

Customer reviews for Travelers

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.

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FAQ

A. Fruchard

Insurance expert

Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.