Travelers' pet insurance (offered through the ASPCA) scores 3.35 out of 5 for cats and 3.85 for dogs in MoneyGeek's analysis. The company excels in affordability, ranking second nationally for dog coverage and eighth in coverage options for both cats and dogs. Before coverage begins, new policyholders get a 14-day waiting period for accidents and illnesses.
Travelers Pet Insurance Review
Updated: October 13, 2025
Advertising & Editorial Disclosure
Travelers Pet Insurance Review: Key Takeaways
Travelers ranks seventh for cat insurance affordability and second for dog insurance, with monthly premiums starting at $30 and $48, respectively.
Travelers ranks sixth nationally for customer experience, with its pet insurance services receiving mixed reviews on Trustpilot and maintaining an A+ rating from the Better Business Bureau.
Travelers ranks eighth nationwide for coverage, offering accident-only plans and accident and illness plans with optional preventive care riders available for routine care.
Travelers Pet Insurance Ratings
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Pet Type:Cat
| Affordability | 3.57 | 7 |
| Coverage | 2.61 | 8 |
| Customer Experience | 3.54 | 6 |
| Overall Score | 3.35 | 9 |
WHO IS TRAVELERS PET INSURANCE BEST FOR?
Travelers ranks among the best pet insurance companies for owners who want flexible deductible choices and unlimited annual payouts. The provider covers hereditary conditions, behavioral issues and exam fees without additional charges. Its comprehensive policy options work well for pets with ongoing health needs. Pet parents seeking immediate accident coverage may find better options elsewhere due to waiting period requirements.
Travelers Pet Insurance Ratings by State
Travelers offers pet insurance nationwide. The company achieves its best overall ranking of fourth place for dogs in three states and seventh for cats in one state. Travelers shows strong affordability performance, ranking first in one state and second in 36 states for dog coverage. The provider maintains consistent sixth-place customer experience rankings across all states.
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Category:Affordability
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Pet Type:Cat
| Alabama | 3.43 | 8 |
| Alaska | 3.39 | 8 |
| Arizona | 3.45 | 7 |
| Arkansas | 2.72 | 9 |
| California | 4.49 | 5 |
| Colorado | 3.96 | 6 |
| Connecticut | 3.77 | 6 |
| Delaware | 3.59 | 6 |
| Florida | 3.29 | 8 |
| Georgia | 3.83 | 5 |
| Hawaii | 3.39 | 8 |
| Idaho | 3.58 | 6 |
| Illinois | 3.17 | 8 |
| Indiana | 3.89 | 5 |
| Iowa | 3.93 | 5 |
| Kansas | 3.32 | 8 |
| Kentucky | 2.89 | 9 |
| Louisiana | 3.38 | 7 |
| Maine | 3.08 | 11 |
| Maryland | 2.48 | 11 |
| Massachusetts | 4.08 | 6 |
| Michigan | 3.52 | 8 |
| Minnesota | 3.82 | 6 |
| Mississippi | 4.09 | 5 |
| Missouri | 3.67 | 7 |
| Montana | 3.42 | 8 |
| Nebraska | 3.24 | 7 |
| Nevada | 3.51 | 6 |
| New Hampshire | 4.32 | 6 |
| New Jersey | 3.81 | 5 |
| New Mexico | 3.72 | 6 |
| New York | 3.29 | 8 |
| North Carolina | 3.75 | 7 |
| North Dakota | 3.59 | 6 |
| Ohio | 3.63 | 7 |
| Oklahoma | 3.67 | 7 |
| Oregon | 4.15 | 6 |
| Pennsylvania | 3.84 | 6 |
| Rhode Island | 3.55 | 8 |
| South Carolina | 4.62 | 2 |
| South Dakota | 3.48 | 8 |
| Tennessee | 3.32 | 8 |
| Texas | 3.15 | 8 |
| Utah | 3.81 | 7 |
| Vermont | 3.52 | 7 |
| Virginia | 4.00 | 7 |
| Washington | 3.31 | 9 |
| West Virginia | 4.25 | 6 |
| Wisconsin | 3.43 | 7 |
| Wyoming | 4.03 | 6 |
Travelers Pet Insurance Comparison
See how Travelers pet insurance fares against national competitors below.
Travelers vs. AKC | • Dogs: 3.85 vs. 4.30 • Cats: 3.35 vs. 3.85 | AKC offers stronger coverage and customer experience, while Travelers is more affordable for dogs. |
Travelers vs. Embrace | • Dogs: 3.85 vs. 2.55 • Cats: 3.35 vs. 2.30 | Travelers is the better choice, offering stronger affordability and higher overall scores. |
Travelers vs. Fetch | • Dogs: 3.85 vs. 2.70 • Cats: 3.35 vs. 2.95 | Fetch has better coverage, but Travelers is more affordable and performs better overall. |
Travelers vs. Figo | • Dogs: 3.85 vs. 3.60 • Cats: 3.35 vs. 3.80 | Figo offers stronger coverage and slightly better cat affordability, while Travelers is more affordable for dogs. |
Travelers vs. Hartville | • Dogs: 3.85 vs. 3.50 • Cats: 3.35 vs. 3.90 | Hartville leads for cats, but Travelers is stronger for dogs with higher affordability. |
Travelers vs. Lemonade | • Dogs: 3.85 vs. 4.50 • Cats: 3.35 vs. 4.25 | Lemonade outperforms Travelers with better affordability, coverage and customer experience for both dogs and cats. |
Travelers vs. Liberty Mutual | • Dogs: 3.85 vs. 2.65 • Cats: 3.35 vs. 2.30 | Travelers outperforms Liberty Mutual in affordability and overall scores. |
Travelers vs. Met Life | • Dogs: 3.85 vs. 3.05 • Cats: 3.35 vs. 2.40 | Travelers has stronger affordability and customer service, making it the better overall option. |
Travelers vs. Nationwide | • Dogs: 3.85 vs. 2.50 • Cats: 3.35 vs. 2.65 | Nationwide has better customer experience, but Travelers wins in affordability and overall performance. |
Travelers vs. Pets Best | • Dogs: 3.85 vs. 4.05 • Cats: 3.35 vs. 3.80 | Pets Best offers better coverage and customer service, but Travelers is more affordable for dogs. |
Travelers vs. Pumpkin | • Dogs: 3.85 vs. 3.70 • Cats: 3.35 vs. 4.15 | Pumpkin is more affordable and performs better for cats, while Travelers offers stronger affordability for dogs. |
Travelers vs. Rainwalk | • Dogs: 3.85 vs. 4.05 • Cats: 3.35 vs. 3.95 | Rainwalk offers superior customer service and coverage, though Travelers is more affordable for dogs. |
Travelers vs. Spot | • Dogs: 3.85 vs. 3.75 • Cats: 3.35 vs. 4.15 | Spot performs better for cats with stronger customer service, while Travelers leads in dog affordability. |
How Much Does Travelers Pet Insurance Cost?
Travelers' pet insurance costs an average of $48 monthly ($580 annually) for dog coverage and $30 monthly ($352 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Dog | $48 | $60 | $580 | $723 | 20% |
| Cat | $30 | $32 | $352 | $379 | 7% |
Travelers Pet Insurance Rates by State
Travelers rates vary by state due to local veterinary costs and claim patterns. For cats, the most affordable pet insurance rates start at $22 monthly in South Carolina, while Maryland has the highest at $46. Dog coverage ranges from $36 in Arkansas to $64 in Maine.
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Pet Type:Cat
| Alabama | $23 | $272 |
| Alaska | $30 | $353 |
| Arizona | $36 | $429 |
| Arkansas | $23 | $274 |
| California | $31 | $366 |
| Colorado | $35 | $416 |
| Connecticut | $32 | $384 |
| Delaware | $29 | $350 |
| Florida | $35 | $413 |
| Georgia | $25 | $303 |
| Hawaii | $32 | $380 |
| Idaho | $29 | $341 |
| Illinois | $37 | $437 |
| Indiana | $25 | $298 |
| Iowa | $24 | $282 |
| Kansas | $28 | $330 |
| Kentucky | $27 | $326 |
| Louisiana | $25 | $299 |
| Maine | $41 | $493 |
| Maryland | $46 | $554 |
| Massachusetts | $34 | $409 |
| Michigan | $29 | $352 |
| Minnesota | $29 | $346 |
| Mississippi | $23 | $269 |
| Missouri | $23 | $276 |
| Montana | $25 | $303 |
| Nebraska | $27 | $322 |
| Nevada | $29 | $352 |
| New Hampshire | $29 | $349 |
| New Jersey | $31 | $373 |
| New Mexico | $26 | $308 |
| New York | $34 | $401 |
| North Carolina | $26 | $312 |
| North Dakota | $22 | $263 |
| Ohio | $28 | $332 |
| Oklahoma | $24 | $286 |
| Oregon | $33 | $396 |
| Pennsylvania | $30 | $359 |
| Rhode Island | $26 | $312 |
| South Carolina | $22 | $260 |
| South Dakota | $27 | $325 |
| Tennessee | $28 | $328 |
| Texas | $33 | $393 |
| Utah | $28 | $331 |
| Vermont | $28 | $332 |
| Virginia | $30 | $359 |
| Washington | $36 | $426 |
| West Virginia | $22 | $264 |
| Wisconsin | $33 | $389 |
| Wyoming | $25 | $294 |
Travelers Pet Insurance Rates by Breed
Travelers premiums change based on your pet's breed. Cat owners pay $26 monthly for British Longhairs but $39 for Abyssinians. Dog premiums range from $20 for small mixed breeds under 20 pounds to $94 for Bull Mastiffs. These price differences happen because some breeds face more health problems and need costlier veterinary care than others.
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Pet Type:Cat
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Breed:Abyssinian
| Abyssinian | $39 | $465 |
Is Travelers Pet Insurance Expensive?
Travelers ranks second for dog affordability but seventh for cats in our study, making it among the most affordable options for dogs while being mid-range for cats. Check the filterable table below to see costs based on your pet's age and your chosen deductible, annual limit and reimbursement rate.
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Pet Type:Cat
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Pet Age Group:Middle Aged
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Deductible:$100
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Annual Limit:$10,000
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Reimbursement %:70%
| $34 | $401 | 28% |
Travelers Pet Insurance Discounts
Travelers provides pet insurance discounts that can lower your premium costs. The multi-pet discount offers the most value for families with several animals. Additional savings come through association memberships, employer benefits and veterinary staff discounts.
Multi-pet discount | 10% | Available when insuring more than one pet under separate policies |
Group or employee discount | 10% | Offered through participating employer benefit programs |
Association or member discount | 10% | Available to members of certain associations, such as REALTOR benefits programs |
Veterinary staff discount | Up to 10% | Available to employees of veterinary practices |
Travelers Pet Insurance Customer Service Reviews and Ratings
Travelers ranks sixth nationally for customer service with cats and dogs. The company maintains high marks from the Better Business Bureau and receives moderate ratings on Trustpilot. Reddit users report mixed experiences, with some praising helpful representatives and quick responses, while others mention frustrations with claim processing delays and inconsistent support quality.
Travelers Trustpilot Reviews
Travelers earns a 3.7 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. The score reflects mixed customer experiences, with many positive reviews about coverage but some concerns about customer service responsiveness. Trustpilot collects verified reviews to give consumers honest feedback about companies.
Travelers Better Business Bureau Rating
Travelers holds an A+ rating from the Better Business Bureau as an accredited business. The A+ grade is BBB's top rating, showing Travelers meets high standards for ethical business practices and handles customer complaints effectively. BBB accreditation requires companies to maintain transparency and resolve customer issues promptly.
Travelers Pet Insurance Reddit Sentiment
Travelers shows mixed results in our analysis of 11 Reddit comments, with 36% positive feedback. Four users praised responsive customer service and clear policy language, while seven criticized claim denials and coverage gaps. This split suggests customers have widely different experiences with Travelers' claims process, highlighting the importance of understanding policy details before purchasing.
Travelers Pet Insurance Coverage
Travelers offers pet insurance coverage for dogs and cats. Pet owners can customize their policy by choosing from different coverage levels and adding optional wellness riders to match their budget and their pet's needs.
Deductibles | $100, $250, $500 |
Annual limits | $2,500 up to unlimited, depending on plan and state |
Reimbursement rates | 70%, 80%, 90% |
Accident-only coverage | Includes diagnostic tests, surgery, hospitalization, imaging, medications, microchip implantation and other accident-related expenses |
Complete Coverage℠ | Includes accident benefits plus illness coverage for hereditary and congenital conditions, chronic illnesses, cancer, prescription medications, behavioral issues, dental illness, alternative therapies and more |
Pre-existing conditions | Excluded, though some curable conditions may be eligible if the pet remains symptom-free for 180 days (excluding knee and ligament conditions) |
Waiting periods | 14 days for accidents, illnesses and most knee/ligament conditions |
Enrollment restrictions | Minimum enrollment age is around 8 weeks; no upper age limits for most pets |
Enrollment restrictions | No upper age limits or breed exclusions for enrollment |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
Travelers Pet Insurance Coverage Add-Ons
Travelers provides wellness add-ons that cover routine preventive care, including dental cleanings, vaccinations and wellness exams. These optional plans have no deductibles or waiting periods, giving pet owners immediate reimbursement for preventive services after enrollment.
Preventive care – basic | Covers wellness exams, core vaccines, deworming, screening tests and parasite prevention |
Preventive care – prime | Includes all Basic benefits plus spay/neuter, dental cleaning, bloodwork, urinalysis and additional vaccines |
Is Travelers Pet Insurance Good: Bottom Line
Travelers provides dog insurance at a monthly average of $48, while cat coverage runs $30. The company ranks sixth nationwide for customer experience and maintains moderate ratings from Trustpilot and the Better Business Bureau. Pet owners can select from accident-only plans, comprehensive accident and illness coverage or add optional wellness benefits to their policy.
Travelers Pet Insurance Review: FAQ
Find answers to common questions about Travelers pet insurance coverage and costs below.
Is Travelers pet insurance worth it in 2025?
Travelers pet insurance offers solid value in 2025, particularly for dog owners. The provider ranks second nationally for affordability with dogs, charging an average of $48 monthly. It also maintains moderate customer experience ratings across both cats and dogs. Cat owners pay just $30 monthly, making Travelers a competitive choice for budget-conscious pet parents.
What do Reddit users really think about Travelers pet insurance?
Reddit feedback on Travelers' pet insurance is mixed. Out of 11 comments we analyzed, four were positive and seven were negative, a 36% approval rate. People often compliment the responsive customer service team and helpful representatives. Many complain about slow claim processing and coverage limitations that leave pet owners stuck during emergencies.
Does Travelers cover pre-existing conditions for pets?
Travelers excludes pre-existing conditions from coverage. Curable conditions may become eligible if your pet remains symptom-free and treatment-free for 180 days. Chronic conditions and ligament or knee problems typically remain permanently excluded from coverage.
Can I get a discount for insuring multiple pets with Travelers?
Travelers provides a 10% multiple pet discount when you insure two or more pets on the same policy. You can also access additional savings through AAA membership, workplace benefits programs and other qualifying discounts to reduce your premium costs.
Is Travelers pet insurance available in my state?
Yes, Travelers pet insurance operates in all 50 states. Monthly premiums vary by location. Cat coverage ranges from $22 in South Carolina to $46 in Maryland. Dog insurance costs between $36 in Arkansas and $64 in Maine, making location a key factor in pricing.
How We Rated Travelers Pet Insurance
Pet insurance shopping feels overwhelming with so many options available. We analyzed how Travelers performs across the following key areas:
Affordability (50% of score): We gathered premium quotes for various pet breeds, ages and plan types and incorporated available discounts to reflect the actual costs pet owners pay.
Customer Experience (30% of score): Real user reviews and ratings from Trustpilot and Reddit were analyzed to gauge genuine customer satisfaction.
Coverage Options (20% of score): We assessed policy benefits, available add-ons, and overall protection breadth to evaluate comprehensive value.
Our pricing analysis used standardized quotes for a 6-year-old Labrador Retriever and 7-year-old Ragdoll with $500 deductible, $5,000 annual limit and 80% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Better Business Bureau. "PTZ Insurance Agency, Ltd." Accessed October 15, 2025.
- Trustpilot. "ASPCA Pet Health Insurance ." Accessed October 15, 2025.