Travelers Pet Insurance Review (2023)

Pets resemble family, and you do whatever it requires to keep them healthy and happy. But regular veterinary care and abrupt diseases and injuries can be costly. Pet insurance coverage can save you money on the cost of care while making certain you’re economically gotten ready for the unanticipated. If you’re buying animal insurance coverage, the alternatives can be frustrating. That’s why our MarketWatch Guides Team has actually done the research study to identify our leading animal insurance coverage choices. Read our assessments to help you choose a policy that finest matches your animal.

Travelers Insurance uses animal insurance coverage through a collaboration with ASPCA Pet Health Insurance. Travelers Pet Insurance uses an accident-only strategy and its Complete Coverage℠ strategy, which covers mishaps and diseases. You can include preventive care protection for an extra $10 to $25 monthly.

Travelers Pet Insurance supplies all its policies through ASPCA Pet Health Insurance, and they are produced and administered by Crum & Forster (C&F) Insurance Agency and financed by the United States Fire Insurance Company.

ASPCA Pet Health Insurance is among the initial animal insurance provider in the U.S., and it started a tactical collaboration with the American Society for the Prevention of Cruelty to Animals® (ASPCA®) in 2006. It has one of the most experience supporting animal owners with insurance coverage. ASPCA Pet Health Insurance is among our highest-rated companies, earning 4.5 out of 5 stars based upon our animal insurance coverage approach. ASPCA Pet Health Insurance is likewise among just a few companies to provide an accident-only choice for animal owners searching for basic protection.

Through ASPCA Pet Health Insurance, Travelers Pet Insurance uses animal owners an accident-only strategy and its Complete Coverage℠ strategy, the business’s mishap and health problem choice. You can include preventive care to either of them by picking from 2 levels of extra protection.

Accident-Only Plan

This strategy is ASPCA Pet Health Insurance’s most budget-friendly choice and covers injuries and emergency situations associated with mishaps, such as bite injuries, cuts, damaged bones, contaminant consumption and torn ligaments. You’ll get repaid for veterinary costs from treatments, treatments, diagnostics and test costs that you pay after a covered mishap.

Accident and Illness Plan

This strategy is ASPCA Pet Health Insurance’s most thorough choice. It covers treatments, treatments, diagnostics and test costs associated with occurrences noted in the accident-only strategy. It likewise spends for treatment for diseases and other conditions that consist of cancer, arthritis, hip dysplasia, gastrointestinal issues, urinary system infections, heart problem and behavioral conditions.

Wellness/Preventive Plans

Travelers Pet Insurance has 2 levels of optional preventive protection. When you include preventive protection, you’ll get repaid as much as a set quantity of money every month for services that help safeguard your animal from health problem, consisting of vaccines, oral cleansings and health screenings.

Preventive Basic Add-On

This is the insurance provider’s least-expensive preventive care add-on. It costs $9.95 a month and supplies $250 of protection a year for regular care services. Among them:

• Dental cleansing ($100)
• Wellness test ($50)
• Deworming ($20)
• DHLPP vaccine or titer test ($20)
• Fecal test ($20)
• Heartworm test ($20)

Preventive Prime Add-On

This is the more thorough preventive care choice, and it costs $24.95 a month. It supplies yearly protection of $450, and covers the following:

• Dental cleansing (as much as $150)
• Neutering (as much as $150)
• Wellness test (as much as $50)
• Deworming (as much as $25)
• Health certificate (as much as $25)
• Flea/heartworm avoidance (as much as $25)
• DHLPP vaccine or titer test (as much as $25)
• Rabies or Lyme vaccine or titer (as much as $25)
• Bordetella vaccine or titer (as much as $25)
• Fecal test (as much as $25)
• Heartworm test (as much as $25)
• Blood screening (as much as $25)
• Urinalysis (as much as $25)

Travelers Pet Insurance insurance policy holders can pick from a number of alternatives for their yearly deductible, repayment rate and yearly protection limitations to personalize their policy by protection and cost.

Deductible Options

The deductible is what you should pay prior to protection from Travelers Pet Insurance starts, and the quantity resets each year. Preventive care protection has no deductible. This add-on is an advantage schedule, which implies it compensates a set quantity of money every month for services. When tailoring your strategy, you have 3 options of deductibles:

Reimbursement Rates

Your repayment rate is the portion of a sent claim that Travelers Pet Insurance will compensate after you reach your deductible. Travelers uses the following repayment rate alternatives:

Annual Limit Options

Your yearly limitation is the optimal dollar quantity Travelers Pet Insurance will pay each year to cover qualified expenditures. The greater your yearly limitation, the more costly your regular monthly premium will be. Travelers has 5 yearly limitation alternatives:

• $3,000
• $4,000
• $5,000
• $7,000
• $10,000

Like other animal insurance provider, ASPCA Pet Health Insurance covers no pre-existing conditions. If a dog or cat has a pre-existing condition, you won’t get protection for as much as 180 days after the condition’s last treatment or sign.

ASPCA Pet Health Insurance likewise leaves out a couple of services. Among them:

• Boarding
• Breeding
• Anal gland expression
• Cosmetic or optional treatment
• Funeral services
• Grooming
• Organ transplants
• Herbal medications

Like most pet insurance coverage companies, Travelers has a compulsory waiting duration prior to you can sue. It needs consumers to wait 2 week prior to sending claims on any of their animal’s conditions, consisting of orthopedic conditions such as hip dysplasia or knee concerns.

The 14-day duration is longer than a few of Travelers Pet Insurance’s rivals.

What animal insurance coverage premiums cost depends upon your animal’s types, age and where you live. To provide you a concept of strategy rates with ASPCA Pet Health Insurance, the table listed below programs sample regular monthly premiums for the Complete Coverage Plan with a $5,000 yearly limitation, an 80% repayment rate and a $250 deductible for animals in Columbia, S.C.

Discounts and Deals

Travelers Pet Insurance uses the following discount rates:

• 10% discount rate for multi-pet insurance plan
• 10% discount rate for existing Travelers insurance policy holders (in a lot of states)

Because Travelers Pet Insurance is offered by ASPCA Pet Health Insurance, we examined a range of client examines to get a concept of existing and previous consumers’ experiences.

Here are some positive ASPCA Pet Health Insurance examines from Trustpilot:

“I have two dogs insured with ASPCA. We had the misfortune of having multiple claims for both of them this year. These claims were thankfully processed and reimbursement paid quickly and efficiently.” – Mark B. 

“ASPCA is a lifesaver!!! We have had their insurance for our dog since he was a puppy (about 3.5 years) and they have always had a super easy claim submission system, excellent reimbursements (for routine AND emergencies, but especially emergencies), and quick claim processing times.” – Taylor

Here are some negative ASPCA Pet Health Insurance examines from Trustpilot:

“Premium increases every year by 20% like clockwork despite hardly submitting any claims. They will also take months to reimburse many times. Not worth it.” – Mike L.

“Our dog pulled a muscle in her left leg and after taking a pain/anti-inflammatory medication was fine. A couple of months later she injured her right knee (the equivalent of a torn ACL) that required surgery and they denied the claim, saying it was a preexisting condition – even though she had never had an issue with that leg.” – SCG

See how Travelers Pet Insurance compares to its rivals listed below:

Travelers Pet Insurance originates from its collaboration with ASPCA® Pet Health Insurance, which is available in the United States and Canada.

Travelers Pet Insurance has no upper age constraints for registration, that makes it an alternative for older family pets. Travelers Pet Insurance might deserve it for existing Travelers insurance policy holders, who are qualified for a 10% discount rate when bundling policies.

If you don’t wish to wait 2 week for mishap protection or desire greater yearly limitation alternatives than $10,000, we advise Lemonade or Embrace as options.

Our evaluation of animal insurance provider is based upon thorough market research study that consists of reading numerous client evaluations, scoping quotes and buying procedures by secret shopping, speaking with agents on the phone to evaluate the client service experience, and surveying 1,000 dog and cat owners across the country to identify the most essential components of animal insurance protection.

We scored each company on a 100-point scale based upon those components. We then divided this last rating by 20 to compute a total star ranking out of 5.0 stars.

Here are more information about each element and how it’s weighted:

• Monthly rates (25 points): The finest animal insurance provider integrate thorough protection and strategy alternatives with budget-friendly rates.
• Plans (15 points): The leading animal insurance provider provide accident-and-illness strategies, accident-only strategies and health or preventive care add-ons to provide consumers the choice to pick a strategy that’s finest for their animal.
• Covered treatments (15 points): We scored business based upon the treatments and treatments they cover. Companies with a breadth of consisted of treatments and distinct protections received more points than companies with more basic or basic policies.
• Customization alternatives (10 points): Providers with more annual-limit, deductible and reimbursement-rate alternatives made the greatest ratings.
• Customer care (10 points): We scored business on their website ease of access and general use, client service schedule, mobile apps (if any), money-back warranties and vet telehealth alternatives, granting indicate the insurance companies with more client experience offerings.
• Industry track record (10 points): We examined current rankings and accreditation details from the Better Business Bureau (BBB) and scored business on their years of experience in the market and their state schedule.
• Waiting durations (10 points): Companies with much shorter mishap, health problem and orthopedic waiting durations in between the sign-up and protection start date scored greater than business with longer waiting durations.
• Eligible age (5 points): Some business don’t provide policies for family pets that are over a particular age. We subtracted points from companies that have age limitations for covered family pets.

We utilize our ranking system to compare and contrast each business versus essential aspects to help us identify the very best animal insurance provider in the market. To learn more, read our complete animal insurance coverage approach for examining and scoring companies.

Angela Beal, DVM, enjoys utilizing her writing to help animal owners offer the very best possible look after their furry buddies. Angela has actually operated in personal practice and taught veterinary service technicians for 15 years. Since 2020, she has actually worked full-time with Rumpus Writing and Editing, a veterinary-specific writing and modifying business. Angela resides in Columbus, Ohio with her partner, 2 kids, and their ruined Chihuahua mix, Yogi.