Independent profile — not affiliated with Travelers Insurance

Travelers Insurance

Travelers is the consumer brand of The Travelers Companies, Inc., whose licensed insurance subsidiaries issue auto, home and business policies. This page sets out Travelers' own claim, dispute and complaint routes and the state insurance department complaint route, then the documented record: Texas, Kansas, Missouri, New York and Vermont regulator orders, BBB and Trustpilot figures as displayed on October 11, 2026, and class action settlements. It gives no rating of its own, and complaints and lawsuits are allegations unless a court or regulator states a finding.

COMPLAINTS44
VERIFIED PHONE1-800-252-4633
LAST CHECKED2026-10-11
Write a Review Jump to complaints ↓
CONSUMER ALLEGATION

Complaints & Reviews on USAComplaints

USAComplaints currently maintains 44 historical complaints about Travelers Insurance, published between 2002 and 2013. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.

EDITORIAL

Complaint Themes

Claim denied, or coverage described as not paid (keyword match)Low estimate, underpayment or disputed repair/valuation (keyword match)Delay, no response or slow handling (keyword match)Cancellation, non-renewal or billing/premium dispute (keyword match)Homeowner, roof, hail, water or storm claim named (keyword match)Auto accident, repair, rental or at-fault dispute named (keyword match)

Each tag reflects a complaint's single primary theme (not every angle it raised), and complaints outside any problem theme — a positive report, or one later retracted by its author — aren't tagged. Counts may total less than the full complaint count above.

EXTERNAL SOURCE

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

BBB: 260 reviews, 826 complaints
Trustpilot: 147 reviews,
VERIFIED

Contacts

VERIFIED

Locations

TypeAddress
Headquarters485 Lexington Avenue New York NY 10017
Mailing addressAttn: Consumer Affairs, One Tower Square Hartford CT 06183
EDITORIAL

Travelers claims, disputes and complaints: what Travelers' own pages say (checked October 11, 2026)

Travelers' own pages, opened on October 11, 2026, set out the routes below. Policy terms, deadlines and rules differ by state and by policy; the policy documents and notices you received govern, and state insurance law applies to claims, cancellations and rates. Travelers is the consumer brand of The Travelers Companies, Inc.; the policy itself is issued by one of its insurance subsidiaries named on your declarations page (see the company background section).

File or check a claim. Travelers' Contact Us page says personal auto, home and personal property claims can be filed by telephone at 1.800.252.4633 or online through MyTravelers "24 hours a day, 365 days a year", and that claim professionals are available to give status information Monday-Friday, 8 a.m.-5 p.m. local time (also 1.800.252.4633). Business insurance claims: 1.800.238.6225, 24 hours a day. For an accident with someone insured by Travelers, the FAQ says to call the Claim Reporting Center at 800.252.4633 and have the other driver's name, license plate, phone number and insurance information ready.

Billing, policy changes and cancellation. Travelers' FAQ says that for personal insurance bill questions you can call your independent agent or a Travelers customer service representative at 888.564.5043 ("24 hours a day, 365 days a year") or use MyTravelers. No cancellation procedure was found in the Travelers FAQ pages opened on October 11, 2026 (the Contact Us FAQ and the Car Insurance FAQ), so the steps and any refund rules should be taken from your policy documents, your agent or the 888.564.5043 line, and your state's cancellation rules.

If a claim is denied, delayed or valued too low. A practical file is the policy and declarations page, the denial or valuation letter, estimates, photographs and bills, and a dated log of calls and emails with the outcome you are asking for. Ask the adjuster for the reason in writing and for the policy provision relied on. Travelers' Contact Us page offers a Customer Advocacy line at 866.336.2077 for people who are "not sure where to go", and a mailing address for complaints: Travelers, Attn: Consumer Affairs, One Tower Square, Hartford, CT 06183.

State insurance department. The NAIC's consumer page says: "Having a problem with an insurance company or agent? Find your state insurance department and file a complaint." State insurance departments also examine insurers' market conduct, according to Travelers' 10-K. The NAIC page lists each state's department; the sections below show the kinds of matters state departments have resolved with Travelers' insurers.

EDITORIAL

Regulator orders involving Travelers insurance companies

The documents below are primary sources opened on October 11, 2026; each paragraph keeps the order's own wording about admissions. They are findings or agreements on the dates stated, not a rating of the company today. The list covers the Texas, Kansas, Missouri, New York and Vermont sources checked for this page on October 11, 2026 and is not an exhaustive list of every state action; other states' databases were not searched.

Vermont Department of Financial Regulation (January 9, 2026). Stipulation and Consent Order, Docket No. 25-026-I, with Travelers Property Casualty Insurance Company, Travelers Indemnity Company of America, Travelers Personal Insurance Company, Travelers Commercial Insurance Company, Automobile Insurance Company of Hartford Connecticut and Standard Fire Insurance Company (signed by the company's representative on January 8, 2026 and by the Commissioner on January 9, 2026). The order says the Department began investigating after "a consumer complaint filed with the Department in 2023" about the handling of nonrenewal notices for homeowners policies, and that its review of January 2023 to June 30, 2025 records "identified a significant number of nonrenewal notices that were incorrectly handled"; it says that "in many instances" the respondents failed to use certified mail for nonrenewal notices (other than for nonpayment of premium) and could not provide copies of notices or proofs of mailing. The order states violations of 8 V.S.A. sections 3883 and 3881 and Department Regulation I-99-01, and that the respondents "have acknowledged that they engaged in statutory violations". Terms: an administrative penalty of $401,625 and a $70,875 contribution to the Vermont Financial Services Education and Victim Restitution Special Fund, each within 30 days; letters to the 36 policyholders improperly nonrenewed in 2025 offering a new policy if they had not replaced their coverage; certified mail and record-keeping going forward; and quarterly self-audits reported to the Department beginning April 30, 2026. The order also records an August 1, 2017 consent order with Travelers Group members about the handling of cancellations and nonrenewals of homeowners policies (Docket No. 15-022-I). The respondents waived hearing and review rights, and the order says it does not limit any private right of action.

Texas Department of Insurance (April 8, 2026). Commissioner's Order No. 2026-9871, a consent order with Travelers Personal Insurance Company, Travelers Commercial Insurance Company, The Travelers Home and Marine Insurance Company, Travelers Personal Security Insurance Company and Travelers Lloyds of Texas Insurance Company. The order says the companies "assigned a premium consequence to homeowners policies for losses with properly remediated appliance-related claims" and concludes they violated Tex. Ins. Code 544.353 and 28 Tex. Admin. Code 21.1004(c). They agreed to pay a $70,000 administrative penalty, jointly and severally, and to pay restitution (overcharge plus 5 percent simple interest) to Texas homeowners policyholders with policies issued or renewed from January 1, 2022 through February 15, 2026, with checks or credits to be mailed on or before September 1, 2026. The order records that the companies updated their systems effective May 18, 2025 and again effective February 15, 2026 (for appliance supply lines, which the companies represent were inadvertently overlooked in the first update). The companies waived procedural rights in the consent order.

New York Attorney General and Department of Financial Services (November 25, 2024). The Attorney General's press release says The Travelers Indemnity Company will pay $1,550,000 in penalties (the Attorney General's office secured $350,000 and DFS $1,200,000) over a cyberattack on its auto insurance quoting tool for independent agents that exposed the personal information of approximately 4,000 New Yorkers. According to the release, hackers gained access to Travelers' agent portal in April 2021 through compromised agent credentials, the portal did not use multifactor authentication, and Travelers did not detect the breach for more than seven months and was alerted by a third-party prefill data provider. The release says some stolen driver's license data was used to file fraudulent unemployment claims. The Attorney General's agreement requires measures such as an information security program, a data inventory, authentication procedures and logging and monitoring; DFS says Travelers agreed to review its systems and improve access controls. The release says the OAG investigation "concluded that the auto insurance companies did not implement sufficient data security controls to protect consumers' private information" and the DFS investigation "concluded that the auto insurance companies did not comply with DFS's cybersecurity regulation"; it does not quote an admission or denial by Travelers.

Texas Department of Insurance (May 17, 2024). Commissioner's Order No. 2024-8664, a consent order with Travelers Personal Insurance Company. The order says Travelers self-reported in February 2024 an error in the insurance scores used to rate homeowners policies that began in August 2018 and resulted in both overcharges and undercharges; Travelers represented that overcharges were approximately $1.6 million and undercharges more than $1.2 million and that it would not recover premium from undercharged policyholders. The order concludes Travelers violated Tex. Ins. Code 559.151 by using a credit scoring model that differed from the one on file and directs restitution with 5 percent simple interest to overcharged policyholders. No administrative penalty appears in the text of this order.

Texas Department of Insurance (September 20, 2022). Commissioner's Order No. 2022-7511, a consent order with Travelers Personal Insurance Company, The Travelers Home and Marine Insurance Company and Travelers Commercial Insurance Company about rates different from those on file and, from a market conduct examination of Travelers Personal Insurance Company covering 2019, claims-handling findings. The order records (a) about 6,200 policies with insurance-score errors, remediated with refunds or credits of $822,268.61 ($863,383.23 with interest); (b) a roof-age rating defect from January 2018 to January 2022 affecting 11,323 policies, remediated with $5,924,874.34 ($6,480,665.26 with interest); and (c) that in 3 of 50 claims reviewed the insurer did not notify claimants in writing of acceptance or rejection within 15 business days after final proof of loss (Tex. Ins. Code 542.056(a)). The companies waived procedural rights. No administrative penalty appears in the text of this order.

Missouri Department of Commerce and Insurance (April 2026). Order of the Director approving a Stipulation of Settlement in Market Conduct Investigation No. 421664 with The Standard Fire Insurance Company (the stipulation is signed by the company dated 3/20/2026). The Division alleged, among other things, that in a vehicle repair claim Standard did not include the loss payee on the check as the policy provided, that in two instances it did not timely open or acknowledge uninsured motorist claims, that in five instances it did not adequately document the weights in total-loss comparable-vehicle calculations, and that its policy language inaccurately said medical payments and uninsured motorist payments could be set off against each other. Standard agreed to remedial actions (including refunding a $111.00 condition adjustment with interest, re-adjudicating two uninsured motorist claims, amending policy language and quarterly total-loss audits for one year). The stipulation says: "Nothing in this Stipulation shall be construed as an admission by Standard". The stipulation states no monetary penalty.

Kansas Insurance Department (two consent orders). In an order served November 7, 2022 (docket 96194), The Travelers Home and Marine Insurance Company, Travelers Property Casualty Insurance Company and Travelers Personal Insurance Company "neither admit nor deny" a statement of facts about a roof-age rating defect: Travelers self-reported on April 22, 2022 and refunded $802,515.99 to 1,639 policyholders; penalties were $26,240.00, $560.00 and $5,980.00 respectively. In a consent agreement and final order served November 21, 2024, The Travelers Home and Marine Insurance Company, The Travelers Indemnity Company of America, The Standard Fire Insurance Company and The Automobile Insurance Company of Hartford, Connecticut "neither admit nor deny" that boat policy forms used in Kansas were not approved before use and that they failed to respond timely to the department's inquiries; the companies agreed to a $4,000 penalty and had made corrective filings.

EDITORIAL

Who is Travelers? Companies, products and scale

Travelers is the consumer brand of The Travelers Companies, Inc. (NYSE: TRV), a Minnesota corporation whose 10-K for 2025 (filed February 12, 2026) gives its principal executive offices as 485 Lexington Avenue, New York, and says it also maintains executive offices in Hartford, Connecticut and St. Paul, Minnesota. The 10-K says the company is "one of the oldest insurance organizations in the United States, dating back to 1853" (company statement). Its three operating segments are Business Insurance, Bond & Specialty Insurance and Personal Insurance.

Policies are issued by licensed insurance subsidiaries, not by the holding company. Travelers' Subsidiaries page lists, with NAIC numbers, 40 wholly owned insurers, including The Travelers Indemnity Company (NAIC #25658), The Standard Fire Insurance Company (#19070), The Travelers Home and Marine Insurance Company (#27998), Travelers Personal Insurance Company (#38130), The Charter Oak Fire Insurance Company (#25615), Northland Insurance Company (#24015) and St. Paul Fire and Marine Insurance Company (#24767), with domiciles mainly in Connecticut. Check the declarations page of your policy to see which company issued it; claims, regulator orders and lawsuits name the specific insurer.

Scale, as stated in the 10-K for 2025: total revenues of $48.8 billion; Personal Insurance net written premiums of $17.4 billion, of which domestic automobile was $7.75 billion and homeowners and other $9.05 billion; approximately 8.4 million domestic Personal Insurance active policies at December 31, 2025; approximately 34,000 employees, of whom about 12,300 are in Claims Services. This page covers U.S. consumer insurance.

Travelers' FAQ says personal auto and home quotes can be obtained "by contacting a local independent insurance agent" or through an online quoting tool, and the Contact Us page says business policies are sold through independent agents. That means the agent is often the first contact for policy service, while the insurer's claim department handles claims.

EDITORIAL

Complaint record: BBB, Trustpilot and this site's archive (as displayed October 11, 2026)

BBB. The BBB headquarters profile for Travelers Companies, Inc. (Hartford, CT), as displayed on October 11, 2026, shows a rating of A- and says the business is not BBB Accredited. BBB gives the reason for the rating as failure to respond to 6 complaints. The complaints tab states 826 total complaints in the last 3 years and 236 complaints filed in the last 12 months; the reviews tab shows an average of 260 customer reviews at 1.08 out of 5, and BBB says reviews are not used in the letter grade. These counts are BBB's own and are not combined with any other source on this page.

Trustpilot. The travelers.com page, as displayed on October 11, 2026, shows 147 reviews with a score of 1.4 out of 5, 54 of them in the last 12 months, an unclaimed profile, and the notice that the company has not invited customers so reviews may not be representative. Trustpilot says it does not fact-check reviews.

NAIC and state complaint data. The NAIC complaint index and state insurance department complaint-count data for Travelers' insurers were not retrieved for this page. Those sources are searchable by insurer name and state through the NAIC and state department sites.

This site's archive. 44 published complaints in this site's archive from 2002 to 2013 are linked to Travelers as the main subject (one more names Travelers Group among several companies); they were submitted by individuals, are published as written and are the submitters' allegations; this site does not show Travelers' responses. Posts about similarly named but unrelated businesses (Travelers Advantage, Travelers Express, Travelers Bank & Trust, hotels named Travelers Inn and others) are not linked. The theme counts below are simple keyword matches over the linked posts and one post can match several themes.

EDITORIAL

Lawsuits and settlements

Insurers are regularly sued by policyholders and others; the cases below are those verified on primary sources opened on October 11, 2026. A lawsuit's allegations are not findings.

Aguilar-Tafoya and Brewton v. The Travelers Indemnity Company et al., No. 1:23-cv-00247 JB/JMR (D.N.M.). A class action alleging that underinsured motorist (UIM) coverage sold in New Mexico auto policies was "illusory" or misleading because Travelers did not explain an offset of the at-fault driver's liability coverage. The settlement website says Travelers "denies the allegations" and that the court has not decided in favor of either side. Class: people insured under New Mexico auto policies with UIM coverage issued by the named Travelers companies between January 1, 2015 and August 16, 2022. Terms per the settlement FAQ: wrongful-death claims are auto-paid the offset; others elect either 29 percent of UIM premiums paid in the class period or a re-evaluation of the UIM claim without the offset. Deadlines on the site: exclusion and objection June 29, 2026, claim form September 27, 2026 (both passed), final approval hearing July 29, 2026. Class counsel say they will ask for attorneys' fees and costs of no more than $2,100,000, payable by the defendants and subject to court approval. Docket. The CourtListener docket opened on October 11, 2026 lists an order preliminarily approving the settlement and directing notice (March 30, 2026), a motion to approve the settlement and certify the class for settlement purposes (July 14, 2026), and entries dated July 29, 2026 titled "Fairness Hearing" (No. 61) and "Judgment" (No. 62). The text of the No. 62 entry was not available on CourtListener, so its terms and whether it grants final approval are not stated here; the settlement website, as displayed the same day, still said "The Court still has to decide whether to approve the Settlement", so its wording is older than the docket.

Lonardo v. Travelers Indemnity Co., No. 1:06-CV-962 (N.D. Ohio). A homeowners insurance class action alleging the defendant companies sold identical homeowners policies at different prices while concealing a lower-priced policy. The court's opinion of March 31, 2010 (706 F. Supp. 2d 766) says the defendants "have consistently denied, and continue to deny, that their conduct was unlawful in any way", granted final approval of the settlement and entered final judgment dismissing the case.

Company-wide disclosure. The 10-K for 2025 describes the major pending legal proceedings as asbestos-related claims and coverage litigation and says other lawsuits, including extra-contractual damages suits, are not reasonably possible to be material to results or financial position.

Website terms. Travelers' website Terms of Service (revised June 19, 2023) contain a binding arbitration and class-action waiver for disputes "arising exclusively out of these Terms of Service" (use of the website and apps) and say nothing in them precludes bringing issues to government agencies. They are separate from an insurance policy contract, which has its own terms.

EDITORIAL

Is Travelers Insurance Legitimate?

The Travelers Companies, Inc. is a publicly traded company (NYSE: TRV) that files annual and quarterly reports with the SEC; its 10-K for 2025 was filed February 12, 2026. Its insurance subsidiaries are listed on Travelers' Subsidiaries page with NAIC numbers and the jurisdictions where each is authorized to transact insurance. State insurance departments regulate those insurers, and several have issued consent orders to them, described above with their exact terms.

BBB shows a rating of A- for the headquarters profile, says the business is not BBB Accredited and lists failure to respond to 6 complaints as the reason for the rating; Trustpilot shows 1.4 out of 5 from 147 reviews on an unclaimed profile. These are snapshots as displayed on October 11, 2026, and the page gives no rating of its own.

Complaints in this site's archive and on review sites are individual accounts; regulator orders and court filings above state their own findings or allegations. For a specific claim or policy, the declarations page names the issuing insurer, and your state insurance department can confirm that insurer's license.

PUBLIC RECORD

Court & Public Records

CaseAuthorityDatesTypeOutcomeSource
Aguilar-Tafoya and Brewton v. The Travelers Indemnity Company, et al.
Docket 1:23-cv-00247 JB/JMR		U.S. District Court for the District of New Mexico—
JudgmentJudgment entered

Class action alleging that underinsured motorist coverage in New Mexico auto policies was illusory or misleading because of an offset. The settlement website says Travelers denies the allegations. Class period January 1, 2015 to August 16, 2022; claim deadline September 27, 2026. The court docket (as opened on October 11, 2026) shows an order preliminarily approving the settlement on March 30, 2026, and entries on July 29, 2026 titled "Fairness Hearing" and "Judgment" (No. 62). The text of the judgment entry was not available, so its terms are not stated here; the settlement website, still saying the court has to decide whether to approve the settlement, has not been updated to match the docket. Class counsel's fee request: no more than $2,100,000 (settlement FAQ), payable separately by the defendants.

Source
Lonardo v. Travelers Indemnity Co., et al.
Docket 1:06-CV-962		U.S. District Court, Northern District of Ohio, Eastern Division—
SettledSettled

Homeowners insurance class action alleging that the defendant companies sold identical policies at different prices while concealing the availability of a lower-priced policy. In an opinion dated March 31, 2010 (706 F. Supp. 2d 766) the court approved the settlement agreement and entered final judgment dismissing the case; the opinion says the defendants have consistently denied that their conduct was unlawful.

Source
CONSUMER ALLEGATION

Related Complaints

Names this company in a role other than the primary subject — not necessarily current or complete.

VERIFIED

Company Relationships

  • Affiliated with: The Travelers Indemnity Company
  • Affiliated with: The Standard Fire Insurance Company
  • Affiliated with: The Travelers Home and Marine Insurance Company
  • Affiliated with: Travelers Personal Insurance Company
  • Affiliated with: The Charter Oak Fire Insurance Company
  • Affiliated with: Northland Insurance Company
  • Affiliated with: St. Paul Fire and Marine Insurance Company
EDITORIAL

Frequently Asked Questions

How do I file a claim with Travelers?

Travelers' Contact Us page says personal auto, home and personal property claims can be filed by phone at 1.800.252.4633 or online through MyTravelers, 24 hours a day, 365 days a year. Business insurance claims go to 1.800.238.6225. For an accident with a Travelers policyholder, the FAQ says to call 800.252.4633 with the other driver's name, plate, phone and insurance details. Claim status questions are answered Monday-Friday, 8 a.m.-5 p.m. local time.

What can I do if Travelers denies, delays or undervalues my claim?

Travelers' pages route disputes to the claim professional handling the file, the Customer Advocacy line (866.336.2077) and Consumer Affairs (Travelers, Attn: Consumer Affairs, One Tower Square, Hartford, CT 06183). A written record helps: the denial or valuation letter, the policy provision cited, estimates and photographs, and a dated log of contacts. If it is not resolved, the NAIC says to find your state insurance department and file a complaint; Texas, Kansas, Missouri and Vermont orders on this page show state departments reviewing claim handling and rating practices of Travelers insurers.

How do I file a complaint about Travelers with my state insurance department?

The NAIC's consumer page says: "Having a problem with an insurance company or agent? Find your state insurance department and file a complaint." It lists each state; use your own state's department and name the specific insurer shown on your declarations page (for example The Travelers Indemnity Company or The Standard Fire Insurance Company).

Which Travelers company issued my policy?

Travelers is a brand; policies are issued by licensed subsidiaries of The Travelers Companies, Inc. Travelers' Subsidiaries page lists them with NAIC numbers, such as The Travelers Indemnity Company (#25658), The Standard Fire Insurance Company (#19070), The Travelers Home and Marine Insurance Company (#27998), Travelers Personal Insurance Company (#38130) and The Charter Oak Fire Insurance Company (#25615). The declarations page of your policy names the issuer.

What regulator actions involve Travelers' insurance companies?

Orders verified for this page: a Texas consent order of April 8, 2026 with a $70,000 administrative penalty and restitution about appliance-claim premium consequences; a New York Attorney General and DFS settlement of November 25, 2024 with $1,550,000 in penalties over an agent-portal data breach; Texas orders of May 2024 and September 2022 with restitution for rating errors; Kansas consent orders of November 2022 and November 2024; and a Missouri market conduct stipulation approved in April 2026; and a Vermont consent order of January 9, 2026 over homeowners nonrenewal notices, with a $401,625 administrative penalty and a $70,875 contribution to a state fund. Each is described with its own admission language in the regulator section; other states' databases were not searched.

What does BBB show for Travelers?

As displayed on October 11, 2026, the BBB headquarters profile for Travelers Companies, Inc. (Hartford, CT) shows a rating of A-, says the business is not BBB Accredited, lists 826 total complaints in the last 3 years and 236 in the last 12 months, and shows an average of 260 customer reviews at 1.08 out of 5. BBB gives failure to respond to 6 complaints as the reason for the rating.

Is there a Travelers class action settlement for underinsured motorist coverage?

The settlement website for Aguilar-Tafoya and Brewton v. Travelers covers New Mexico auto policyholders with UIM coverage between January 1, 2015 and August 16, 2022. It offers 29 percent of UIM premiums paid or a claim re-evaluation without the offset. Its claim deadline was September 27, 2026, and as displayed on October 11, 2026 its FAQ still says the court has to decide whether to approve the settlement, while the federal docket shows a fairness hearing and an entry titled "Judgment" dated July 29, 2026. Travelers denies the allegations. The federal court docket shows a fairness hearing and an entry titled "Judgment" dated July 29, 2026, whose text was not available; the website has not been updated to say so. Contact the administrator at 1-877-367-8719 or [email protected] for status.

How do I cancel a Travelers policy or ask about billing?

Travelers' FAQ says to call your independent agent or a Travelers customer service representative at 888.564.5043 (available 24 hours a day, 365 days a year) or use MyTravelers for personal insurance billing. A cancellation procedure was not found in the Travelers FAQ pages opened on October 11, 2026, so the cancellation notice, refund and effective-date rules come from your policy documents, your agent and your state's insurance rules.