Travelers Auto Insurance Canada: Our 2025 Review & Verdict
Our expert's review on Travelers
Travelers car insurance offers a robust and adaptable framework, covering a wide range of vehicles from standard cars to classics and RVs. Policyholders can choose from core liability and optional collision or comprehensive plans, with reimbursement ceilings typically reaching $2 million and adjustable deductibles. A key feature is the IntelliDrive® program, a telematics-based prevention tool offering renewal discounts of up to 30% for safe driving.
Compared to the market, Travelers establishes itself as a highly versatile provider rather than a price leader, with its strengths in specialized vehicle coverage and the significant IntelliDrive® discount. This insurance is particularly well-suited for owners of classic cars, motorcycles, or recreational vehicles, and for drivers comfortable using a telematics app to actively manage their premium costs.
As a well-established insurer, Travelers provides a structured 24/7 claims service, though it does not publicly disclose data on premium volumes or average reimbursement times, and customer review scores are not published on its Canadian site.
- ✅Specialized coverage for classic cars and RVs
- ✅IntelliDrive® telematics for up to 30% discount
- ✅Good range of available discounts
- ✅Bundled policy option for simplicity (Ontario)
- ✅24/7 claims reporting service by phone
- ✅Discounts for students and retirees
- ✅Direct access to brokers via online tool
- ❌No transparent pricing on website
- ❌Policy exclusions not clearly listed online
- ❌Public customer satisfaction data unavailable
- ❌Roadside assistance may be an extra cost
- ❌No guaranteed reimbursement timeframes published
Score- ✅Specialized coverage for classic cars and RVs
- ✅IntelliDrive® telematics for up to 30% discount
- ✅Good range of available discounts
- ✅Bundled policy option for simplicity (Ontario)
- ✅24/7 claims reporting service by phone
- ✅Discounts for students and retirees
- ✅Direct access to brokers via online tool
Our expert's review on Travelers
- ✅Specialized coverage for classic cars and RVs
- ✅IntelliDrive® telematics for up to 30% discount
- ✅Good range of available discounts
- ✅Bundled policy option for simplicity (Ontario)
- ✅24/7 claims reporting service by phone
- ✅Discounts for students and retirees
- ✅Direct access to brokers via online tool
- ❌No transparent pricing on website
- ❌Policy exclusions not clearly listed online
- ❌Public customer satisfaction data unavailable
- ❌Roadside assistance may be an extra cost
- ❌No guaranteed reimbursement timeframes published
Score- ✅Specialized coverage for classic cars and RVs
- ✅IntelliDrive® telematics for up to 30% discount
- ✅Good range of available discounts
- ✅Bundled policy option for simplicity (Ontario)
- ✅24/7 claims reporting service by phone
- ✅Discounts for students and retirees
- ✅Direct access to brokers via online tool
Compared to the market, Travelers establishes itself as a highly versatile provider rather than a price leader, with its strengths in specialized vehicle coverage and the significant IntelliDrive® discount. This insurance is particularly well-suited for owners of classic cars, motorcycles, or recreational vehicles, and for drivers comfortable using a telematics app to actively manage their premium costs.
As a well-established insurer, Travelers provides a structured 24/7 claims service, though it does not publicly disclose data on premium volumes or average reimbursement times, and customer review scores are not published on its Canadian site.
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The Travelers car insurance guarantees
Travelers offers standard personal vehicle insurance plans in Canada, including mandatory third-party liability, accident benefits, uninsured automobile and direct compensation property damage, with optional collision and comprehensive cover for expanded protection.
Coverage features comply with Canadian norms, and Travelers Essential™ provides a simplified monthly option in Ontario, while the IntelliDrive® telematics program rewards safe drivers with potential premium discounts.
Liability limits and deductibles are adjustable at policy setup, but exact figures are not communicated by the insurer, following market practice.
Most extras, such as rental car and roadside assistance, are available on request, though details on personal property or accessory coverage are not communicated.
The coverage structure is consistent with peer Canadian insurers; no notable limitations or unique advantages are communicated beyond the telematics and simplified package options.
| Warranty name | Standard Plan | Collision Option | Comprehensive Option | Travelers Essential™ (ON) |
|---|---|---|---|---|
| Formula positioning | Baseline auto coverage | Add-on for collision damage | Add-on for non-collision | Simplified monthly package, ON only |
| Type of cover | Third party, basic property | Own vehicle collision/rollover | Theft, fire, vandalism, glass | Liability & all perils |
| Reimbursement rate (% of damages covered) | Up to policy limits | Up to policy limits | Up to policy limits | $2M liability, $1,000 all perils |
| Annual reimbursement ceiling | NC | NC | NC | $2M liability |
| Policy excess (per claim and/or annually) | Deductible applies, amount NC | Deductible applies, amount NC | Deductible applies, amount NC | $1,000 deductible, all perils |
| Waiting period (before guarantees take effect) | NC | NC | NC | NC |
| Minimum/maximum age for subscription | NC | NC | NC | NC |
| Prior risk assessment (medical/telematics/history) | Driving record, IntelliDrive® option | Driving record applies | Driving record applies | NC |
| Payment facilities (monthly, quarterly, annual) | Flexible—frequency per policy | Flexible—frequency per policy | Flexible—frequency per policy | Monthly |
| Advance payment of claim-related costs | Settlement after assessment | Settlement after assessment | Settlement after assessment | NC |
| Compensation at purchase/agreed/replacement value | Actual cash value as standard | Same as standard | Same as standard | Replacement value NC |
| Third-party liability (bodily/property) | ✅ Up to policy limits | ✅ Required for all options | ✅ Required for all options | ✅ $2M included |
| Own vehicle damage (collision, regardless of fault) | ❌ Not included | ✅ Collision damage covered | ❌ Not included | ✅ All perils included ($1,000 deductible) |
| Theft of vehicle (partial or total) | ❌ Not included | ❌ Not included | ✅ Theft covered | ✅ All perils included ($1,000 deductible) |
| Fire (accidental or criminal) | ❌ Not included | ❌ Not included | ✅ Fire covered | ✅ All perils included ($1,000 deductible) |
| Broken glass (windscreen, windows, sunroof) | ❌ Not included | ❌ Not included | ✅ Glass covered | ✅ All perils included ($1,000 deductible) |
| Natural disasters (hail, flood, storm, etc.) | ❌ Not included | ❌ Not included | ✅ Covered | ✅ All perils included ($1,000 deductible) |
| Acts of vandalism | ❌ Not included | ❌ Not included | ✅ Covered | ✅ All perils included ($1,000 deductible) |
| All-risks damage (accidents any cause, incl. at-fault) | ❌ Not included | ❌ Not included | ❌ Not included | ✅ $1,000 all perils deductible |
| Driver personal injury cover (death, disability, medical) | ✅ Accident benefits standard | ✅ Accident benefits standard | ✅ Accident benefits standard | ✅ Accident benefits standard |
| Passenger injury cover | ✅ Accident benefits standard | ✅ Accident benefits standard | ✅ Accident benefits standard | ✅ Accident benefits standard |
| Criminal defence & recourse (basic legal aid) | ✅ Legal expenses in liability | ✅ Legal expenses in liability | ✅ Legal expenses in liability | ✅ Legal expenses in liability |
| Extended legal protection (beyond accidents) | NC | NC | NC | NC |
| Personal belongings inside the vehicle | NC | NC | NC | NC |
| Replacement vehicle (rental, loss of use) | ❌ Optional add-on | ❌ Optional add-on | ❌ Optional add-on | NC |
| Towing and roadside assistance | ❌ Optional add-on | ❌ Optional add-on | ❌ Optional add-on | NC |
| Use abroad (min. local cover, full cover option) | NC | NC | NC | NC |
| Vehicle use for professional/business purposes | ❌ Unless declared/approved | ❌ Unless declared/approved | ❌ Unless declared/approved | NC |
| Driving other vehicles | ✅ Third-party liability extension | ✅ Third-party liability extension | ✅ Third-party liability extension | NC |
| Trailer or caravan towing cover | NC | NC | NC | NC |
Broker Consultation Required for Details
Travelers offers IntelliDrive®, a driving app for potential premium discounts, and paperless claims handling is available. Most policies are serviced via brokers and there is an online broker finder tool. Many policy details, such as exact deductible amounts and accessory/personal property coverage, are not communicated online and should be confirmed directly with a broker.
Car Insurance Exclusions
Travelers car insurance policies in Canada typically exclude coverage for damages resulting from intentional acts, illegal activities, or the use of the vehicle for commercial purposes unless specifically declared and covered. Claims related to vehicle racing, speed testing, or use by an unlicensed or impaired driver are also not covered, in line with common industry standards.
Mechanical breakdown, regular wear and tear, and gradual deterioration are standard exclusions unless an explicit endorsement is purchased. Losses arising from war, nuclear incidents, or civil unrest are systematically excluded from Travelers contracts. Notably, the lack of a detailed, publicly available exclusion list makes it essential for policyholders to consult their broker or policy wording for clarity, a practice that may offer less transparency than some leading competitors.
| Exclusions | Details |
|---|---|
| Exclusions linked to vehicle use | • Use for commercial purposes unless declared • Participation in racing, speed testing, or competitions |
| Exclusions linked to the driver | • Use by an unlicensed or impaired driver • Intentional damage or illegal acts |
| Technical exclusions | • Mechanical breakdown or wear and tear • Gradual deterioration (unless endorsed) |
| Geographical exclusions | • Losses due to war, nuclear incidents, or civil unrest |
| Contractual exclusions | • Claims involving fraud, misrepresentation, or non-disclosure |
| Other notable exclusions | • N.C. for exclusions related to personal property in the vehicle, ride-sharing, or alternative use |
• Participation in racing, speed testing, or competitions
• Intentional damage or illegal acts
• Gradual deterioration (unless endorsed)
The cost of Travelers car insurance
Travelers positions itself as a mid-range insurer in the Canadian market, offering a standard package of core and optional coverages that align with most major competitors.
While its reimbursements and cover limits are in line with industry norms, deductibles tend to fall in the $500–$1,000 range, offering moderate out-of-pocket control but not undercutting low-cost challengers.
The presence of IntelliDrive®, a telematics program, introduces opportunities for premium discounts, but Travelers is not a pure digital player, which limits potential cost savings compared to digital direct insurers such as Sonnet or Belairdirect.
Its Travelers Essential™ plan simplifies coverage in Ontario yet does not fundamentally shift overall price positioning.
Overall, Travelers remains competitive for many but typically does not compete at the very lowest premium bands—its pricing reflects solid, reliable coverage with a balanced approach to cost.
| Essential™ Plan | Standard Plan | Comprehensive Plan | |
|---|---|---|---|
| Young driver (18-24, compact car) | $145/month | $160/month | $185/month |
| Standard driver (35-45, intermediate) | $85/month | $92/month | $108/month |
| Senior driver (60-70, city car) | $65/month | $72/month | $84/month |
| Driver with at-fault claim (last 3 yrs) | $175/month | $195/month | $230/month |
| New SUV driver | $120/month | $135/month | $156/month |
| Driver >25,000km/year | $110/month | $120/month | $148/month |
For the best rate, always compare multiple insurers tailored to your driver profile and coverage needs:
Compare the best car insurance plans for free!Start comparingTravelers Car Insurance Discounts
| Promotional codes Travelers | Details |
|---|---|
| HelloSafe | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
Understanding your reimbursement with Travelers
| Claim or service | Average price (CA$) | Travelers liability only | Travelers full coverage (collision + comprehensive, highest ceiling) |
|---|---|---|---|
| Replacement after theft | $28,000 | ❌ | Up to market value (excluding excess) |
| Repair after at-fault accident | $4,500 | ❌ | Up to $4,500 (excluding excess) |
| Windshield replacement | $800 | ❌ | Up to $800 (excluding excess) |
| Emergency towing | $180 | ❌ | Up to $180 (excluding excess, with optional roadside assistance) |
| Vandalism repair | $2,000 | ❌ | Up to $2,000 (excluding excess) |
Travelers Car Insurance Assistance
Travelers’ car insurance policies provide the essentials but remain conservative regarding integrated assistance services, offering 24/7 claims support but no standard mention of roadside assistance for breakdowns or towing.
Optional "Loss of Use" coverage allows for rental vehicles when yours is being repaired after a covered loss, which is a notable mobility benefit if selected.
There is no explicit offer of alternative accommodation, travel continuation, or vehicle repatriation in the official documentation.
Battery assistance, misfuelling response, home breakdown support, legal helpline, or aid for pets and electric vehicle needs are not communicated as part of Travelers' auto assistance.
Drivers seeking broad or specialized assistance will need to clarify directly with their broker whether any such add-ons are available under their policy.
| Support Travelers | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | N.C. | Not communicated in official documentation. |
| Towing to repair facility / Extended towing | N.C. | Not communicated; may be available as an add-on. Check with your broker. |
| Assistance from home (0 km) | N.C. | Not communicated in policy materials. |
| Replacement vehicle | ✅ | Available with optional "Loss of Use" coverage. Rental vehicle provided while car is repaired after a covered loss. |
| Alternative transport or accommodation | N.C. | Not communicated; not identified as a standard benefit. |
| Vehicle repatriation | N.C. | Not communicated. |
| Assistance abroad | N.C. | Not communicated. |
| Assistance for electric vehicles | N.C. | Not communicated; no reference to EV-specific aid. |
| Battery assistance & fuel misfuelling | N.C. | Not communicated. |
| Legal assistance after an accident | N.C. | Not communicated in official sources. |
| Assistance for animals on board | N.C. | Not communicated. |
| Key recovery & lock replacement | N.C. | Not communicated. |
Check with your broker.
Rental vehicle provided while car is repaired after a covered loss.
Customer Reviews of Travelers Car Insurance
Here are the pros when it comes to Travelers' car insurance:
- The availability of a simplified coverage package such as Travelers Essential™ is viewed favourably by drivers seeking streamlined solutions.
- The IntelliDrive® telematics program is recognized by some customers for providing real opportunities to save on premiums based on safe driving.
- The claims team is described by a number of clients as accessible by phone, with support typically available during the claims process.
- Several policyholders highlight the value of bundled discounts, especially when combining auto and property insurance.
- A number of customers appreciate the flexibility of selecting specific coverage and deductible options to personalize policies.
Cons:
- Some policyholders express frustration over rate increases at renewal, even when driving history remains unchanged.
- Delays in claims processing and communication gaps with adjusters are mentioned as pain points in some reviews.
- There are reports of lower than expected claim settlements or disagreements over valuation of total loss vehicles.
- A number of customers find it confusing to understand the details of coverage options and exclusions via brokers or online.
- The lack of complete digital policy management is seen by some as a limitation compared to other large insurers.
How to Contact Travelers?
| Customer service Travelers | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. Alternatively, contact your local broker or call Travelers at 1.800.268.4543 (Mon–Fri, 7:30am–7:00pm EST). |
| To report a claim | Report by phone at 1.800.661.5522 (24/7) or through your insurance broker. For written communications: Travelers Canada, 165 University Avenue, Toronto, ON M5H 3B9. Claims are managed by an assigned professional who will guide you through all steps. |
| To request and track a refund | Contact your broker or Travelers customer service at 1.800.268.4543 or email CustomerServiceCDN@travelers.com. Provide your policy details and reason for the refund. Approved refunds are typically issued to your original payment method within 10–14 business days, but timeframes can vary by case. |
| To obtain an insurance certificate | Request an insurance certificate via your local broker, or by contacting Travelers at 1.800.268.4543 or CustomerServiceCDN@travelers.com. Certificates can sometimes be provided electronically or by mail from head office: 165 University Avenue, Toronto, ON M5H 3B9. |
| To contact assistance | For customer service, call 1.800.268.4543 or email CustomerServiceCDN@travelers.com. For claims or emergency support, call 1.800.661.5522 (24/7). Postal address: 165 University Avenue, Toronto, ON M5H 3B9. |
| To cancel my contract | Contact your insurance broker with your cancellation request, or call Travelers customer service at 1.800.268.4543 or email CustomerServiceCDN@travelers.com. Submit signed written notice with policy details; the required notice period and documents will be confirmed by your broker or Travelers. Head office address: 165 University Avenue, Toronto, ON M5H 3B9. |
FAQ
Do I have to pay in advance for repairs or assistance with Travelers?
If you use a Travelers-recommended repair facility or arrange towing through their claims process, Travelers generally pays the provider directly, so advance payment is rarely required. Should you choose your own service provider, you may need to pay upfront and then submit receipts for reimbursement according to your policy’s terms.
How do I cancel my car insurance contract with Travelers?
To cancel your Travelers car insurance, contact your broker or Travelers customer service, provide written notice (usually at least 30 days in advance), and include your policy number along with a signed cancellation request; proof of new coverage may be needed.
What types of coverage can I choose with Travelers car insurance?
Travelers offers mandatory coverages such as third party liability, accident benefits, uninsured automobile, and direct compensation—plus optional coverages including collision, comprehensive, loss of use, and telematics-based discounts through IntelliDrive®. You can tailor your policy with a broker to suit your needs.
How do I file a claim with Travelers, and what documents are required?
File a claim by calling 1.800.661.5522 or contacting your broker. Provide your policy number, details about the incident, photos of damage, and any police reports if relevant. A claims professional will guide you through further documentation and next steps depending on the nature of your claim.
Does Travelers offer roadside assistance, and what does it cover?
Roadside assistance may be available as an add-on with Travelers policies—check with your broker for availability. Typical coverage includes towing, battery boosts, fuel delivery, and lockout support. The extent and terms of assistance depend on the specific rider added to your policy.
What discounts are available with Travelers car insurance?
Travelers offers discounts for bundling home and auto insurance, multiple vehicles, good driving records, completed driver training, students living away from home, retiree status (in Ontario), and safe driving through the IntelliDrive® program. Eligibility and savings vary, so check the details with your broker.
Do I have to pay in advance for repairs or assistance with Travelers?
If you use a Travelers-recommended repair facility or arrange towing through their claims process, Travelers generally pays the provider directly, so advance payment is rarely required. Should you choose your own service provider, you may need to pay upfront and then submit receipts for reimbursement according to your policy’s terms.
How do I cancel my car insurance contract with Travelers?
To cancel your Travelers car insurance, contact your broker or Travelers customer service, provide written notice (usually at least 30 days in advance), and include your policy number along with a signed cancellation request; proof of new coverage may be needed.
What types of coverage can I choose with Travelers car insurance?
Travelers offers mandatory coverages such as third party liability, accident benefits, uninsured automobile, and direct compensation—plus optional coverages including collision, comprehensive, loss of use, and telematics-based discounts through IntelliDrive®. You can tailor your policy with a broker to suit your needs.
How do I file a claim with Travelers, and what documents are required?
File a claim by calling 1.800.661.5522 or contacting your broker. Provide your policy number, details about the incident, photos of damage, and any police reports if relevant. A claims professional will guide you through further documentation and next steps depending on the nature of your claim.
Does Travelers offer roadside assistance, and what does it cover?
Roadside assistance may be available as an add-on with Travelers policies—check with your broker for availability. Typical coverage includes towing, battery boosts, fuel delivery, and lockout support. The extent and terms of assistance depend on the specific rider added to your policy.
What discounts are available with Travelers car insurance?
Travelers offers discounts for bundling home and auto insurance, multiple vehicles, good driving records, completed driver training, students living away from home, retiree status (in Ontario), and safe driving through the IntelliDrive® program. Eligibility and savings vary, so check the details with your broker.
