Travelers Car Insurance Review

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Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on March 12, 2024

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated March 12, 2024

Visit author page

8 minute read

Article Contents

Travelers Insurance Review

Travelers Canada, an integral component of the global Travelers Insurance network, maintains a significant footprint with 30,000 employees spanning Canada, the U.S., the U.K., Ireland, and Brazil. This insurer stands on the solid foundation of the Dominion of Canada General Insurance Company, enhancing its underwriting and risk assessment capabilities. With a commitment to “making things right” for its clients, Travelers Canada offers comprehensive personal and commercial insurance solutions backed by over $100 billion in corporate assets, ensuring robust support for businesses of all sizes.

Travelers Canada, the Canadian division of The Travelers Companies, boasts over 160 years of expertise in the industry, backed by a committed workforce of 1,400 employees. With operations in major cities such as Vancouver, Calgary, Toronto, Ottawa, and Montreal, Travelers Canada provides various insurance products, including car, home, and business insurance, serving individuals, brokers, and companies nationwide.

When customers purchase a policy online with Travelers, they can expect:

  • Travelers Canada offers various discounts to assist customers in reducing their insurance costs.
  • Satisfaction with the quality of repairs made to damaged property under a claim.
  • 24/7 claims support, providing you with assistance whenever you need it.

Since entering the Canadian auto insurance market in 2009, Travelers has built a reputation for exceptional customer service and tailored insurance products. They offer customizable liability coverage based on regional needs, ensuring clients are adequately protected against damages. Their policies include accident coverage and protection against uninsured motorists, with options for collision and comprehensive protection covering vandalism, theft, fire, and more. Additionally, Travelers provides loss-of-use coverage, offering rental cars during vehicle repairs or replacement periods.

A Brief Company History

Travelers Insurance, recognized by its iconic red umbrella logo, has a rich history dating back to its inception in 1853, initially providing travel insurance to railroad travellers. The company’s evolution into a major property and casualty insurer began with its foundation in Hartford, Connecticut 1864, under the early operations of the St. Paul Fire and Marine Insurance Co., which later merged with Travelers in the early 2000s. Today, Travelers stands as the second-largest underwriter of U.S. commercial property casualty insurance, having expanded its offerings far beyond travel insurance.

The Canadian chapter of Travelers’ story began in 1887 with the establishment of The Dominion of Canada General Insurance Company, which had Sir John A. MacDonald as its first president. This company, known for its commitment to providing quality coverage and services, became part of Travelers following its acquisition in 2013 alongside Chieftain Insurance. The 2009 merger of St. Paul Fire and Marine Insurance Company with Travelers Guarantee Company of Canada signalled Travelers’ official entrance into the Canadian sector, resulting in the establishment of Travelers Canada. Now, with approximately 1,700 employees across major Canadian cities, this entity continues the legacy of offering comprehensive insurance solutions.

Travelers Canada’s lineage includes significant milestones such as the merger of St. Paul Fire and Marine Insurance Company, which started its Canadian operations in 1928, and Travelers Guarantee, tracing back to 1988. In 2012, Travelers Guarantee Company of Canada was renamed Travelers Insurance Company of Canada, solidifying its presence under the Travelers Canada umbrella. This consolidation of expertise and resources underlines Travelers Canada’s role as a corporation encompassing several insurers, providing various insurance products and services nationwide.

Why Choose Travelers Car Insurance

Distinguished for its prompt and efficient handling of natural disasters, Travelers Canada is renowned for its broad personal protection plans designed to meet diverse requirements. Through strategic acquisitions, Travelers Canada has significantly broadened its commercial insurance offerings, positioning itself as a versatile insurer capable of supporting businesses regardless of scale. The company’s portfolio includes industry-standard coverage options and add-ons like comprehensive, collision, and accident forgiveness. This ensures clients can tailor their insurance packages to include mandatory coverage and additional protections as needed. Travelers Canada’s commitment to providing robust insurance solutions is evident in its comprehensive approach and its notable benefits to its policyholders. Some other advantages of Travelers include:

Varied Insurance Solutions

The company caters to a wide range of customer needs with discounts for drivers who have completed educational programs, insured multiple vehicles, maintained an accident-free record, or bundled their insurance policies.

Comprehensive Canadian Coverage

Offering services in key provinces and territories, Travelers Canada ensures that a wide demographic can access its insurance products from coast to coast.

In-depth Underwriting Expertise

Travelers Canada boasts a rich history of underwriting excellence, tracing back over a century. This depth of experience allows for crafting policies that precisely meet the nuanced needs of a diverse clientele.

Continuous Claims Assistance

Travelers Canada’s commitment to providing 24/7 support for claims underscores its dedication to customer service, ensuring help is always at hand when needed.

Numerous Discounts

A primary factor attracting drivers to Travelers is the plethora of discounts available, which can lead to substantial reductions in insurance costs.

Pros and Cons of Buying Travelers Car Insurance

Exploring the offerings of Travelers Insurance reveals a comprehensive suite of coverage options and services designed to address the diverse needs of today’s policyholders. This overview presents the advantages, limitations, and key factors to consider when selecting Travelers Insurance for your coverage needs. This analysis aims to provide a clear understanding of how Travelers Insurance matches up with individual insurance expectations and requirements.

  1. Expert Underwriting: Travelers Canada’s underwriting expertise is built on the legacy of its constituent companies dating back to the late 1800s, enabling the creation of tailored policies for diverse client needs.
  2. Global Resources, Local Application: Access to Travelers’ global network allows for lower premiums and a wider range of products, with the ability to consult worldwide professionals for local client solutions.
  3. Various Discounts: Travelers offers a wide range of discounts for drivers to save money on their premiums.
  4. Financial Stability: With investments across the globe and operations in 80 countries, Travelers’ diversified financial base and $105 billion in assets assure long-term company reliability.
  5. Competitive Edge: The financial strength and technological advancements of Travelers Canada, combined with its underwriting discipline and product expertise, provide a market advantage.
  6. 24/7 Claims Support: Offers continuous assistance for claims, providing customers with constant peace of mind.
  7. Diverse Coverage Options: Includes discounts for driver education completion, multiple car insurances, accident-free records, and policy bundling.
  8. Broad Presence: With offices across Canada and the U.S., Travelers ensures easy access for customers in North America.
  9. Guaranteed Repair Satisfaction: Commitment to customer satisfaction with property repairs following claims.
  10. Nationwide Coverage: Services available in Ontario, Alberta, Nova Scotia, New Brunswick, Prince Edward Island, Newfoundland and Labrador, and the territories.
  1. Claims Denial Issues: Some customers have reported unexpected denials of claims.

Travelers Auto Insurance Discounts

Policyholders can save on auto insurance premiums through several discounts offered by Travelers:

Bundling Discounts

Save on premiums by combining multiple insurance policies, such as auto, home, and recreational vehicles like campers and boats.

Multi-Vehicle Savings

Insure more than one vehicle with Travelers to reduce your overall insurance costs.

Clean Driving Record Reward

Drivers with no convictions in the past three years and no at-fault accidents in the past six years benefit from reduced rates.

Driver Training Discount

Completing a ministry-approved driver education program can lead to savings on your policy.

Retirement Savings

Special discounts for retired individuals, enhancing affordability for those in Ontario.

Student Discounts

Offers for students with limited vehicle access while attending school, college, or university, particularly if they live away from home.

Seasonal Tire Discount

Installing winter tires can qualify you for a discount, recognizing the reduced risk of accidents.

Travelers Insurance Apps

The MyTravelers mobile app offers a comprehensive suite of features designed to enhance the insurance management experience for Travelers Personal Insurance customers. This user-friendly app allows policyholders to access important information and perform tasks directly from their mobile devices.

Key Functionalities

Key functionalities include viewing and downloading auto insurance ID cards, making payments or enrolling in Autopay, managing policy details, filing and tracking claims status, and accessing roadside assistance. Additionally, users can quickly contact their agent, view detailed policy coverage, change document delivery preferences, and link all their Personal Insurance policies under one user ID.

Key Functionalities

For added convenience, the app supports fingerprint authentication on compatible Samsung devices, ensuring secure and easy access to account information.

Another app by Travelers is called IntelliDrive. It’s a 90-day initiative that tracks driving behaviour through a smartphone application, offering potential savings on your car insurance policy for safe driving. Initially, enrollment could reduce your premium, and maintaining safe driving habits might lead to up to 30% savings upon renewal. Conversely, riskier driving behaviours could increase your premium.

Key Metrics Monitored

  • Time of Day: Driving late at night can impact your score negatively, as the risk increases during these hours.
  • Speed: Maintaining safe speeds is crucial, as higher speeds reduce reaction time to potential hazards.
  • Acceleration: Gentle acceleration positively affects your vehicle’s health and driving score.
  • Braking: Maintaining a safe following distance from the car in front can aid in better anticipating changes in traffic flow and reduce the need for sudden braking.
  • Phone Distraction: The program discourages using your phone for calls, texting, or any manual operation to minimize distractions.

App Features

  • Dashboard: A central hub for monitoring your driving performance, recent trips, and accessing safe driving advice.
  • Distraction-Free Streaks: Tracks consecutive trips made without phone use, encouraging you and your family to drive without distractions.
  • Safe Driving Articles: Offers insights and tips on enhancing driving safety.
  • Trip Analysis: Provides detailed feedback on journeys, including a map view of events like sudden stops or quick accelerations.

Additional Insurance Services Provided by Travelers

Beyond car insurance, Travelers extends its services to a variety of property insurance options, catering to different needs:

Travelers Canada provides an extensive range of insurance solutions tailored to the needs of homeowners, renters, landlords, and condo owners. Their offerings encompass comprehensive protection against dwelling and structural damage, personal contents, liability, loss of use, and medical payments, with the option to include additional coverages such as earthquakes, seasonal property, rental units, and water damage insurance. Specialized policies like the TRU Builder warranty cater to newly constructed homes, ensuring protection against construction defects.

For boating enthusiasts, Travelers Canada delivers specialized boat and yacht insurance that covers everything from hull damage and personal liability to full replacement costs for eligible boats, ensuring year-round peace of mind on the water.

Event planners can find solace in Travelers’ wedding and event insurance, covering a range of private functions against unforeseen cancellations, loss of deposits, and more, with options for liability and liquor liability.

Travelers also partners with Travel Insured International to offer comprehensive travel insurance, including trip cancellation, medical coverage, and baggage protection.

Pet owners can benefit from customizable insurance plans that provide accident and illness coverage tailored to suit various deductibles, reimbursement levels, and annual limits.

For businesses, Travelers Canada offers a broad spectrum of insurance products for small to multinational companies, covering commercial auto, general liability, property, cyber risks, and more. Their business insurance solutions are designed to address the unique challenges of various industries, including transportation, construction, manufacturing, and healthcare, with additional services like HR and legal assistance to support small business needs.

Travelers’ range of insurance products is designed to meet the diverse needs of property, boat, or pet owners, providing comprehensive coverage and peace of mind.

How To Submit A Claim With Travelers Insurance

The simplest way to submit a claim with Travelers Insurance is through one of the below options.


You can contact them at anytime 24/7

Contact by phone

Feel free to contact the team by phone


File a claim by visiting the Travelers website

Commonly Asked Questions About Travelers Insurance

Does Travelers Insurance offer flexible payment plans?

Travelers Canada provides three flexible payment options: direct monthly withdrawals in six or 12 installments, a three-payment plan over 12 months, or a single payment covering the entire premium and taxes at the policy’s start.

What types of insurance does Travelers offer?

Travelers Insurance provides various coverage options for vehicles, homes, and businesses in Canada. For detailed information and quotes, consulting with a ThinkInsure advisor is recommended.

Is there a penalty for early cancellation of a Travelers policy?

If you cancel a Travelers policy early, you may not face a penalty and could be refunded the unused portion of your premium if it was paid in full.

Who owns Travelers Insurance?

Travelers operates as a publicly traded entity, with ownership vested in its shareholders.

Does Travelers have an app?

Travelers Canada offers two apps, IntelliDrive and Travelers Mobile, providing access to digital insurance cards, billing information, and claim statuses.

Does Travelers Insurance offer ridesharing coverage?

To add ridesharing insurance to your policy, consult a broker to protect you and your passengers.

Where is Travelers Insurance available?

Travelers provides insurance products and solutions across Canada, except for personal coverage in Manitoba, Saskatchewan, or Quebec.

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