How to Cancel Travelers Insurance in 2026
Travelers is the second-largest US insurer. Whether you found a better rate or are switching providers, here's how to cancel your policy and get a prorated refund.
🚨 Critical: Never cancel insurance without replacement coverage in place. Going even one day without auto or homeowners insurance is risky and may violate your mortgage terms.
Cancel by Phone
- Call 1-800-842-5075 (Mon-Fri 8am-8pm ET)
- Have your policy number ready
- Request cancellation with a specific effective date
- Ask for written confirmation by email
Cancel Through Your Agent
If you purchased through an independent agent, contact them directly. They can process the cancellation and help you transition to a new carrier. Many agents represent multiple insurers and can find you a better rate.
Cancel Online
Travelers allows some policy changes through travelers.com → My Account, but full cancellation typically requires a phone call or agent contact. You can start the process online and finish by phone.
Refund Policy
- Auto insurance: Prorated refund for remaining days on your policy
- Homeowners: Prorated refund minus any short-rate penalty (varies by state)
- Umbrella: Prorated refund, typically processed within 2-4 weeks
Refunds are mailed as a check or refunded to your payment method. Ask about the method when canceling.
When to Cancel
- Best time: At policy renewal (no refund math, clean transition)
- Mid-term: You'll get a prorated refund but may pay a small short-rate fee
- Worst time: Right after filing a claim — future insurers will see the claim on your record regardless
Finding a Cheaper Alternative
- The Zebra: Compare quotes from 100+ carriers in minutes
- Policygenius: Unbiased comparison for home + auto bundles
- GEICO, Progressive, State Farm: Get direct quotes to compare
- Bundle discount: Combining auto + home with one insurer often saves 15-25%
💡 Pro tip: Get quotes from 3-4 insurers before canceling. Insurance rates vary wildly — the same coverage can be 40% cheaper from a different company. Also ask Travelers for a retention discount before leaving.
🔍 Insurance is a big recurring cost worth reviewing annually. Upload your bank statement to JustCancel — we'll find every recurring charge and help you decide what to optimize.