Travelers Pet Insurance 2025: Full Review, Pros & Cons

Travelers
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Our expert's opinion on Travelers

Last update: September 4, 2025
TravelersTravelers
3.4
hellosafe-logoScore
A. Fruchard
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.

  • 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
TravelersTravelers
3.4
hellosafe-logoScore
  • 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
A. Fruchard
Insurance expert
  • 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
TravelersTravelers
3.4
hellosafe-logoScore
  • 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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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 positioningEntry‑level accident protectionEnhanced accident protection (higher reimb./limit)Balanced accident + illness protectionEnhanced accident + illness protection (higher reimb./limit)
Type of coverageAccident onlyAccident onlyAccident & IllnessAccident & Illness
Animals coveredDogs, CatsDogs, CatsDogs, CatsDogs, Cats
Reimbursement rate70%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 enrollmentN.C.N.C.N.C.N.C.
Pre-enrollment health questionnaireN.C.N.C.N.C.N.C.
Waiting periods (accident / illness)14 days / N/A14 days / N/A14 days / 14 days14 days / 14 days
Lifetime coverageN.C.N.C.N.C.N.C.
ConsultationsYesYesYesYes
MedicationsN.C.N.C.N.C.N.C.
HospitalizationYesYesYesYes
SurgeryYesYesYesYes
Diagnostic testsImaging & lab tests: YesImaging & lab tests: YesImaging & lab tests: YesImaging & lab tests: Yes
Dental careNoNoNoNo
Preventive careNoNoNoNo
Alternative medicineYesYesYesYes
Travel coverageN.C.N.C.N.C.N.C.
Civil liabilityN.C.N.C.N.C.N.C.
EuthanasiaYesYesYesYes
Death & cremation coverageCremation: YesCremation: YesCremation: YesCremation: Yes
Theft or loss + search expensesN.C.N.C.N.C.N.C.
Boarding feesNoNoNoNo
Plan positioning
Accident Only (Plan 1)
Entry‑level accident protection
Accident Only (Plan 2)
Enhanced accident protection (higher reimb./limit)
Accident + Illness (Plan 3)
Balanced accident + illness protection
Accident + Illness (Plan 4)
Enhanced accident + illness protection (higher reimb./limit)
Type of coverage
Accident Only (Plan 1)
Accident only
Accident Only (Plan 2)
Accident only
Accident + Illness (Plan 3)
Accident & Illness
Accident + Illness (Plan 4)
Accident & Illness
Animals covered
Accident Only (Plan 1)
Dogs, Cats
Accident Only (Plan 2)
Dogs, Cats
Accident + Illness (Plan 3)
Dogs, Cats
Accident + Illness (Plan 4)
Dogs, Cats
Reimbursement rate
Accident Only (Plan 1)
70%
Accident Only (Plan 2)
90%
Accident + Illness (Plan 3)
70%
Accident + Illness (Plan 4)
90%
Annual reimbursement limit
Accident Only (Plan 1)
$2,500
Accident Only (Plan 2)
$10,000
Accident + Illness (Plan 3)
$2,500
Accident + Illness (Plan 4)
$10,000
Deductible (annual or per claim)
Accident Only (Plan 1)
$500 (pricing example)
Accident Only (Plan 2)
$100 (pricing example)
Accident + Illness (Plan 3)
$500 (pricing example)
Accident + Illness (Plan 4)
$100 (pricing example)
Age limits for enrollment
Accident Only (Plan 1)
N.C.
Accident Only (Plan 2)
N.C.
Accident + Illness (Plan 3)
N.C.
Accident + Illness (Plan 4)
N.C.
Pre-enrollment health questionnaire
Accident Only (Plan 1)
N.C.
Accident Only (Plan 2)
N.C.
Accident + Illness (Plan 3)
N.C.
Accident + Illness (Plan 4)
N.C.
Waiting periods (accident / illness)
Accident Only (Plan 1)
14 days / N/A
Accident Only (Plan 2)
14 days / N/A
Accident + Illness (Plan 3)
14 days / 14 days
Accident + Illness (Plan 4)
14 days / 14 days
Lifetime coverage
Accident Only (Plan 1)
N.C.
Accident Only (Plan 2)
N.C.
Accident + Illness (Plan 3)
N.C.
Accident + Illness (Plan 4)
N.C.
Consultations
Accident Only (Plan 1)
Yes
Accident Only (Plan 2)
Yes
Accident + Illness (Plan 3)
Yes
Accident + Illness (Plan 4)
Yes
Medications
Accident Only (Plan 1)
N.C.
Accident Only (Plan 2)
N.C.
Accident + Illness (Plan 3)
N.C.
Accident + Illness (Plan 4)
N.C.
Hospitalization
Accident Only (Plan 1)
Yes
Accident Only (Plan 2)
Yes
Accident + Illness (Plan 3)
Yes
Accident + Illness (Plan 4)
Yes
Surgery
Accident Only (Plan 1)
Yes
Accident Only (Plan 2)
Yes
Accident + Illness (Plan 3)
Yes
Accident + Illness (Plan 4)
Yes
Diagnostic tests
Accident Only (Plan 1)
Imaging & lab tests: Yes
Accident Only (Plan 2)
Imaging & lab tests: Yes
Accident + Illness (Plan 3)
Imaging & lab tests: Yes
Accident + Illness (Plan 4)
Imaging & lab tests: Yes
Dental care
Accident Only (Plan 1)
No
Accident Only (Plan 2)
No
Accident + Illness (Plan 3)
No
Accident + Illness (Plan 4)
No
Preventive care
Accident Only (Plan 1)
No
Accident Only (Plan 2)
No
Accident + Illness (Plan 3)
No
Accident + Illness (Plan 4)
No
Alternative medicine
Accident Only (Plan 1)
Yes
Accident Only (Plan 2)
Yes
Accident + Illness (Plan 3)
Yes
Accident + Illness (Plan 4)
Yes
Travel coverage
Accident Only (Plan 1)
N.C.
Accident Only (Plan 2)
N.C.
Accident + Illness (Plan 3)
N.C.
Accident + Illness (Plan 4)
N.C.
Civil liability
Accident Only (Plan 1)
N.C.
Accident Only (Plan 2)
N.C.
Accident + Illness (Plan 3)
N.C.
Accident + Illness (Plan 4)
N.C.
Euthanasia
Accident Only (Plan 1)
Yes
Accident Only (Plan 2)
Yes
Accident + Illness (Plan 3)
Yes
Accident + Illness (Plan 4)
Yes
Death & cremation coverage
Accident Only (Plan 1)
Cremation: Yes
Accident Only (Plan 2)
Cremation: Yes
Accident + Illness (Plan 3)
Cremation: Yes
Accident + Illness (Plan 4)
Cremation: Yes
Theft or loss + search expenses
Accident Only (Plan 1)
N.C.
Accident Only (Plan 2)
N.C.
Accident + Illness (Plan 3)
N.C.
Accident + Illness (Plan 4)
N.C.
Boarding fees
Accident Only (Plan 1)
No
Accident Only (Plan 2)
No
Accident + Illness (Plan 3)
No
Accident + Illness (Plan 4)
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).

ExclusionsDetails
Medical exclusionsPre‑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 careRoutine wellness exams; Vaccinations; Flea, tick and heartworm prevention; Routine diagnostics and maintenance procedures
Dental exclusionsAesthetic/cosmetic dental procedures; Endodontic and orthodontic services (caps, crowns, fillings, root canals); Dental cleanings excluded unless to treat a covered illness
Breeding, reproductive & cosmetic proceduresBreeding, pregnancy, whelping, nursing; Elective spaying/neutering; Tail docking, ear cropping, declawing
Food, supplements & non‑formulary itemsPrescription food for prevention/weight management; Herbal products (including CBD); Vitamins and supplements for general health
Behavioral & activity exclusionsInjuries from organized fighting; Racing, coursing; Law enforcement, guarding, or personal protection activities; Training‑related treatments and devices
Owner‑related & negligence exclusionsInjuries 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 exclusionsBoarding and grooming; Toys, leashes, bedding; Travel and transport expenses; Administrative fees, medical waste fees, postage, taxes
Geographic & major eventsPandemic‑related losses as declared by the USDA; Acts of war; Nuclear events
Other specific exclusionsAnal sac expression when no infection is present; Training devices and certain procedural exclusions
A table outlining various exclusions and their details.
Medical exclusions
Details
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
Details
Routine wellness exams; Vaccinations; Flea, tick and heartworm prevention; Routine diagnostics and maintenance procedures
Dental exclusions
Details
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
Details
Breeding, pregnancy, whelping, nursing; Elective spaying/neutering; Tail docking, ear cropping, declawing
Food, supplements & non‑formulary items
Details
Prescription food for prevention/weight management; Herbal products (including CBD); Vitamins and supplements for general health
Behavioral & activity exclusions
Details
Injuries from organized fighting; Racing, coursing; Law enforcement, guarding, or personal protection activities; Training‑related treatments and devices
Owner‑related & negligence exclusions
Details
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
Details
Boarding and grooming; Toys, leashes, bedding; Travel and transport expenses; Administrative fees, medical waste fees, postage, taxes
Geographic & major events
Details
Pandemic‑related losses as declared by the USDA; Acts of war; Nuclear events
Other specific exclusions
Details
Anal sac expression when no infection is present; Training devices and certain procedural exclusions
A table outlining various exclusions and their details.

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.

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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 animalAccident 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
Dog Labrador 1 year
Accident only ($500 Ded., 70% Reimb., $2500 Limit)
$24.59
Accident only ($100 Ded., 90% Reimb., $10000 Limit)
$74.34
Accident + illness ($500 Ded., 70% Reimb., $2500 Limit)
$41.94
Accident + illness ($100 Ded., 90% Reimb., $10000 Limit)
$137.07
Dog Labrador 3 years
Accident only ($500 Ded., 70% Reimb., $2500 Limit)
$24.59
Accident only ($100 Ded., 90% Reimb., $10000 Limit)
$74.34
Accident + illness ($500 Ded., 70% Reimb., $2500 Limit)
$41.94
Accident + illness ($100 Ded., 90% Reimb., $10000 Limit)
$137.07
Dog Labrador 7 years
Accident only ($500 Ded., 70% Reimb., $2500 Limit)
$24.59
Accident only ($100 Ded., 90% Reimb., $10000 Limit)
$74.34
Accident + illness ($500 Ded., 70% Reimb., $2500 Limit)
$41.94
Accident + illness ($100 Ded., 90% Reimb., $10000 Limit)
$137.07
Dog Australian Shepherd 1 year
Accident only ($500 Ded., 70% Reimb., $2500 Limit)
$24.59
Accident only ($100 Ded., 90% Reimb., $10000 Limit)
$74.34
Accident + illness ($500 Ded., 70% Reimb., $2500 Limit)
$41.94
Accident + illness ($100 Ded., 90% Reimb., $10000 Limit)
$137.07
Dog Australian Shepherd 3 years
Accident only ($500 Ded., 70% Reimb., $2500 Limit)
$24.59
Accident only ($100 Ded., 90% Reimb., $10000 Limit)
$74.34
Accident + illness ($500 Ded., 70% Reimb., $2500 Limit)
$41.94
Accident + illness ($100 Ded., 90% Reimb., $10000 Limit)
$137.07
Dog Australian Shepherd 7 years
Accident only ($500 Ded., 70% Reimb., $2500 Limit)
$24.59
Accident only ($100 Ded., 90% Reimb., $10000 Limit)
$74.34
Accident + illness ($500 Ded., 70% Reimb., $2500 Limit)
$41.94
Accident + illness ($100 Ded., 90% Reimb., $10000 Limit)
$137.07
Dog French Bulldog 1 year
Accident only ($500 Ded., 70% Reimb., $2500 Limit)
$24.59
Accident only ($100 Ded., 90% Reimb., $10000 Limit)
$74.34
Accident + illness ($500 Ded., 70% Reimb., $2500 Limit)
$41.94
Accident + illness ($100 Ded., 90% Reimb., $10000 Limit)
$137.07
Dog French Bulldog 3 years
Accident only ($500 Ded., 70% Reimb., $2500 Limit)
$24.59
Accident only ($100 Ded., 90% Reimb., $10000 Limit)
$74.34
Accident + illness ($500 Ded., 70% Reimb., $2500 Limit)
$41.94
Accident + illness ($100 Ded., 90% Reimb., $10000 Limit)
$137.07
Dog French Bulldog 7 years
Accident only ($500 Ded., 70% Reimb., $2500 Limit)
$24.59
Accident only ($100 Ded., 90% Reimb., $10000 Limit)
$74.34
Accident + illness ($500 Ded., 70% Reimb., $2500 Limit)
$41.94
Accident + illness ($100 Ded., 90% Reimb., $10000 Limit)
$137.07
Cat European Shorthair 1 year
Accident only ($500 Ded., 70% Reimb., $2500 Limit)
$24.59
Accident only ($100 Ded., 90% Reimb., $10000 Limit)
$74.34
Accident + illness ($500 Ded., 70% Reimb., $2500 Limit)
$41.94
Accident + illness ($100 Ded., 90% Reimb., $10000 Limit)
$137.07
Cat European Shorthair 3 years
Accident only ($500 Ded., 70% Reimb., $2500 Limit)
$24.59
Accident only ($100 Ded., 90% Reimb., $10000 Limit)
$74.34
Accident + illness ($500 Ded., 70% Reimb., $2500 Limit)
$41.94
Accident + illness ($100 Ded., 90% Reimb., $10000 Limit)
$137.07
Cat European Shorthair 7 years
Accident only ($500 Ded., 70% Reimb., $2500 Limit)
$24.59
Accident only ($100 Ded., 90% Reimb., $10000 Limit)
$74.34
Accident + illness ($500 Ded., 70% Reimb., $2500 Limit)
$41.94
Accident + illness ($100 Ded., 90% Reimb., $10000 Limit)
$137.07
Cat Maine Coon 1 year
Accident only ($500 Ded., 70% Reimb., $2500 Limit)
$24.59
Accident only ($100 Ded., 90% Reimb., $10000 Limit)
$74.34
Accident + illness ($500 Ded., 70% Reimb., $2500 Limit)
$41.94
Accident + illness ($100 Ded., 90% Reimb., $10000 Limit)
$137.07
Cat Maine Coon 3 years
Accident only ($500 Ded., 70% Reimb., $2500 Limit)
$24.59
Accident only ($100 Ded., 90% Reimb., $10000 Limit)
$74.34
Accident + illness ($500 Ded., 70% Reimb., $2500 Limit)
$41.94
Accident + illness ($100 Ded., 90% Reimb., $10000 Limit)
$137.07
Cat Maine Coon 7 years
Accident only ($500 Ded., 70% Reimb., $2500 Limit)
$24.59
Accident only ($100 Ded., 90% Reimb., $10000 Limit)
$74.34
Accident + illness ($500 Ded., 70% Reimb., $2500 Limit)
$41.94
Accident + illness ($100 Ded., 90% Reimb., $10000 Limit)
$137.07
Cat British Shorthair 1 year
Accident only ($500 Ded., 70% Reimb., $2500 Limit)
$24.59
Accident only ($100 Ded., 90% Reimb., $10000 Limit)
$74.34
Accident + illness ($500 Ded., 70% Reimb., $2500 Limit)
$41.94
Accident + illness ($100 Ded., 90% Reimb., $10000 Limit)
$137.07
Cat British Shorthair 3 years
Accident only ($500 Ded., 70% Reimb., $2500 Limit)
$24.59
Accident only ($100 Ded., 90% Reimb., $10000 Limit)
$74.34
Accident + illness ($500 Ded., 70% Reimb., $2500 Limit)
$41.94
Accident + illness ($100 Ded., 90% Reimb., $10000 Limit)
$137.07
Cat British Shorthair 7 years
Accident only ($500 Ded., 70% Reimb., $2500 Limit)
$24.59
Accident only ($100 Ded., 90% Reimb., $10000 Limit)
$74.34
Accident + illness ($500 Ded., 70% Reimb., $2500 Limit)
$41.94
Accident + illness ($100 Ded., 90% Reimb., $10000 Limit)
$137.07
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Travelers Promo Codes

Travelers Promo CodesDetails
HelloSafe Promo Code-5% on your quote
Travelers Promo Codes
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-5% on your quote
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.

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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.

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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.

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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 TravelersAvailable?Details
Advance paymentN.C.
Payment facilitiesN.C.
Mobile appN.C.
Paperless claims processClaims can be submitted electronically via online claim forms.
Supports digital uploads and tracking through the insurer's portal.
Emergency vet serviceNo dedicated 24/7 teleconsultation line is provided.
Owners should rely on local emergency clinics for immediate care.
Vet/clinic partner networkN.C.
Coverage abroadN.C.
Advance payment
Available?
Details
N.C.
Payment facilities
Available?
Details
N.C.
Mobile app
Available?
Details
N.C.
Paperless claims process
Available?
Details
Claims can be submitted electronically via online claim forms.
Supports digital uploads and tracking through the insurer's portal.
Emergency vet service
Available?
Details
No dedicated 24/7 teleconsultation line is provided.
Owners should rely on local emergency clinics for immediate care.
Vet/clinic partner network
Available?
Details
N.C.
Coverage abroad
Available?
Details
N.C.

Customer reviews for Travelers

Review platformRating and number of reviews
Trustpilot1.6/5 (88 reviews)
Trustpilot
Rating and number of reviews
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 ServiceDetails
To get a quote or subscribe onlineYou 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 reimbursementSubmit 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 insuranceProcedure 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 assistanceOnline 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 policyCancellation procedure: N.C. Information to provide when cancelling (policy number, pet details, effective date): N.C. Notice period and refund/proration conditions: N.C.
Travelers Customer Service
To get a quote or subscribe online
Details
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
Details
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
Details
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
Details
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
Details
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.
Travelers Customer Service

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.

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A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
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.

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