Is Travelers Pet Insurance Worth It? Reviews 2025

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At HelloSafe, our pet insurance expert reviews the terms and pricing of all available insurance policies every year to provide you with reliable and impartial analysis. Thanks to this thorough approach, hundreds of thousands of users across the US trust us each month to help guide them through their most important financial decisions.

Travelers Guarantees

Travelers, via ASPCA® Pet Health Insurance, offers two primary formulas: Accident-Only and Complete CoverageSM (accident + illness), plus optional Preventive Care as a paid rider. Their plans are notably flexible, as you can personalize reimbursement rates (up to 90%), annual limits, and the deductible, positioning Travelers among the most customizable in the US market.

Annual reimbursement rates and limits—plus per-policy deductibles instead of per-claim—are a key strength for budget management, with instant eligibility for dogs and cats above 8 weeks, no maximum age or medical exam required. A preventive care option (no co-pay, no waiting period, and standard price schedule) can provide rare coverage for wellness (vaccines, dental cleaning, flea/tick), which is a real differentiator versus many US pet insurers.

Coverage is broad for illnesses, accidents, dental disease, behavioral and hereditary conditions, alternative therapies, diagnostics, and more, but standard plans exclude general wellness/preventive, dental cleaning outside illness, and some elective/cosmetic treatments unless endorsed.

However, limitations include exclusions for pre-existing, cosmetic, or preventive care unless specifically added; orthopedic (ligament/knee) conditions have strict pre-existing and waiting period rules, and some states (AK, FL, HI, LA) are not eligible.

Good to know

• No veterinary exam or prior vaccination required for enrollment.
• Knee/ligament conditions require 14-day waiting period; pre-existing conditions permanently excluded.
• Multi-pet discounts available.
• Preventive care pays fixed schedule per act, not open-ended; add-on cannot be purchased separately.
• No claim reimbursement for non-medical, cosmetic, grooming, elective, preventive (unless rider bought), or pre-existing conditions.
• Pet must be resident in a covered state/territory; excluded in AK, FL, HI, and LA.
• Unlimited annual limits available for an additional charge.
• Real-time status updates for claims in online client portal.

Compare plans and providers to find the lowest price for the coverage and options that fit your pet’s health needs and your budget.

Travelers exclusions

Among the notable exclusions in Travelers' pet insurance contract are all pre-existing conditions and any illness or injury occurring during applicable waiting periods, including a specific, stringent exclusion for any ligament or knee issue detected before coverage or during the waiting period—a restriction that is often broader and less flexible than some competitors.

Coverage is also denied for aesthetic or cosmetic dental procedures and elective surgeries (such as declawing or tail docking), with routine dental cleanings only covered if related to a reimbursed illness or additionally endorsed.

Noteworthy is the blanket exclusion of any herbal or cannabis-based products (including CBD), and investigational or experimental treatments, even if recommended by a licensed veterinarian—which can limit flexibility in modern or alternative care choices for insured pets.

Travelers also systematically excludes costs relating to breeding, pregnancy, whelping, boarding, grooming, and non-medical supplies, keeping to a strict policy scope centered on medical necessity and accident or illness response.

Claims are invalid if treatment is provided by the pet owner or close family members, and coverage does not extend to care outside U.S. territories and Canada or in cases linked to sporting, police, or protection activities, underscoring a highly traditional approach in their exclusions landscape.

Travelers rates

Travelers sits in a median price position for pet insurance, largely due to its relatively comprehensive base coverage but with moderate annual limits and options for customization (deductible, reimbursement rates, and optional preventive care).

Coverage through the ASPCA Pet Health Insurance partnership includes accidents, illnesses, hereditary conditions, behavioral care, and more, which aligns with sector standards—while not being as high-end or as low-cost as some competitors.

The flexibility to select lower reimbursement percentages or higher deductibles can help manage premium costs, but the most robust options can push the monthly price above budget providers.

Travelers is not a pure digital-only player but offers a streamlined online experience, keeping its operational costs competitive; however, it does not undercut the low-cost, minimal coverage entrants.

Overall, Travelers appeals to pet owners looking for standard yet reliable coverage at a fair—not cheapest—monthly rate, with sufficient options to adapt to different needs.

To ensure you get the best value for your pet’s needs, it is always worth comparing several providers and coverage levels before making a decision.

Travelers promo codes

How much will I be reimbursed with Travelers?

When your pet needs veterinary care, Travelers pet insurance reimburses you for costs covered under your plan after you’ve met your chosen annual deductible. You select your reimbursement rate (up to 90%) and an annual coverage maximum when you enroll—then, simply pay your vet up front, submit the invoice, and get reimbursed quickly for eligible expenses. Here are some realistic examples to help you see how choosing a higher level of coverage with Travelers can significantly reduce your expenses and give you peace of mind.

Example 1: Emergency Surgery After Swallowing a Toy

Total veterinary expense: $2,500 (includes ER visit, X-rays, surgery, medication, and two nights of hospitalization)

Annual deductible to be applied: $250 (first claim of policy year)

Remaining claim amount after deductible: $2,500 – $250 = $2,250

Reimbursed at 90% (highest level of coverage): $2,250 × 90% = $2,025
👉 You receive $2,025 back from Travelers.

Out-of-pocket cost for you: $2,500 – $2,025 = $475

ℹ️ The deductible only applies once per year; all other covered claims within this period will be reimbursed at the full 90% up to your annual maximum.

Example 2: Diagnosis and Treatment of Diabetes

Total veterinary expense: $800 (consultation, bloodwork, insulin prescription, follow-up)

Annual deductible remaining: $0 (already met earlier in the year)

Reimbursement at 90%: $800 × 90% = $720
👉 You receive $720 from Travelers.

Out-of-pocket cost for you: $800 – $720 = $80

ℹ️ Chronic conditions like diabetes are covered as long as they were not pre-existing and you haven’t reached your annual reimbursement maximum.

Example 3: Preventive Care Package (Optional Add-on)

Annual preventive vet visits (exam, core vaccines, heartworm test): $320

Reimbursement with preventive care endorsement: Up to $320, no deductible or co-pay required
👉 You get reimbursed in full for each scheduled item, up to the plan’s limits.

Out-of-pocket cost for you (with add-on): $0 (within scheduled benefit limits)

ℹ️ Preventive care is only covered if you add the optional rider; it has no deductible and reimburses up to set amounts for routine vet care—making annual checkups and vaccinations virtually free up to your benefit limit.

Traveler Assistance

The pet insurance assistance available via Travelers, through PTZ Insurance Agency (ASPCA® Pet Health Insurance), provides flexible claim submissions and full reimbursement only after pet owners pay the veterinary bills out of pocket, as no direct advance-of-fees solution like CareCredit or PayVet is integrated. Payment flexibility is limited, with installment options incurring extra fees, and no genuine multi-month interest-free payment facility offered. A client web portal allows online claims and management, but no dedicated, highly-rated mobile application is available, and digital experience largely depends on the ASPCA® Pet Health Insurance user interface, which does not distinctly lead the US market in UX or user satisfaction. No 24/7 vet helpline, telemedicine, or emergency support network is included—owners must choose any licensed vet and handle emergencies themselves, which may leave some without immediate remote assistance. Coverage is valid across the US (except some states) and Canada, but not for longer stays or relocation, and the lack of clinical partnerships or direct payment to providers marks a shortfall compared to some US competitors.

Customer feedback on Travelers

We have analyzed the reviews from the site listed above. From the positive aspects, policyholders who have insured their pets with Travelers mention:

• The ability to select coverage options through Travelers’ partnership with ASPCA® Pet Health Insurance: a customizable offer with the possibility to choose the deductible, reimbursement rate, and annual limits.
• No upper age or breed restrictions: all cats and dogs aged eight weeks and older are eligible.
• Flexible use of any licensed veterinarian or clinic in the U.S. or Canada: there is no provider network restriction.
• The possibility to add preventive care coverage and multi-pet discounts are appreciated by some customers.
• A small number of reviewers highlight individual staff members who provided helpful or exceptional service.

On the negative side:

• The experience of repeated, significant premium increases after enrollment, often without clear explanation.
• A generally poor level of customer service, with frequent mention of unresponsive, misinformed, or rude representatives.
• Difficulties and delays in claims processing, including denials of reimbursement and lack of transparency in claim decisions.
• Billing issues, including additional unexplained charges, and challenges in obtaining refunds after policy cancellation.
• Protracted or incomplete policy cancellations, with some customers continuing to be billed after proper cancellation notice and, in some cases, being sent to collections.
• A lack of clear information regarding claim or billing status, leading to confusion and frustration.
• A perception for some policyholders of ‘bait-and-switch’ practices or insufficient communication regarding policy changes.
• The overall low review volume and predominantly single-star reviews point to unresolved systemic issues, leaving the impression of low trust and satisfaction among pet insurance customers.

How to contact Travelers?

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Jordan Mitchell

Jordan is a U.S.-based personal finance editor with over a decade of experience in financial literacy and consumer advocacy. He holds a BA in Economics from the University of California, Berkeley, and a CFP® certification. Before joining HelloSafe, Jordan worked as a financial advisor and later as lead content strategist at several fintech startups. His mission: making money management clear, relatable, and empowering for everyday Americans. At HelloSafe, he writes in-depth guides on topics like insurance, credit, loans, savings, and budgeting—focused on helping readers make smart, confident financial choices.