You've got questions. We've got answers.
Traverse is a new kind of insurance that follows the life you lead. Wherever you go. Whatever happens. Powered by Travelers, a 100-year-old insurance brand, Traverse is designed to help you bounce back asap from accidental phone drops, unplanned vacation mishaps, and things that directly affect you - like identity fraud and lawsuits.
It's pretty simple.
Those key insurance terms that have you saying “Oh, I totally know what that is. Wait… what does that mean again?” We got you.
At its simplest, a deductible is the amount of money you agree to pay until your insurance kicks in. That means, with other insurance companies, if you agree on a $250 deductible and break your $1,000 laptop, they’ll only give you the difference of $750. But with our deductible free plans, you wouldn’t have to pay anything upfront, so you’d get the full $1,000.
That’s right. No deductible with any of our plans.
Protection for bodily harm to others that occurs at your home or damage that you cause to someone else’s property for which you are held legally responsible (see examples below!). If you are sued and the claim is covered, we’ll help pay for lawyer fees and other legal expenses. Plus, provide you with up to $100,000 in protection.
Brad trips over your drum set, falls down at your apartment, and then wants to sue you.
Your bathtub accidentally overflows, leaks through the floor, and ruins your neighbor's furniture.
When someone steals your personal information (like credit card, bank accounts, or your social security #) to commit a crime or to gain financial advantage. In the event that this happens to you, we help cover expenses including but not limited to legal fees, salary lost due to court appearances, and other expenses that arise when attempting to resolve the issue. We can also hook you up with a consumer fraud specialist to help you sort through the mess.
Amount of Coverage: ID Fraud coverage is included in every plan. We’ll pay up to $25,000 worth of coverage.
Here's exactly what you need to know about the I Love My Stuff plan.
We currently offer coverage for:
We want to make sure you can protect your favorite things, so we've set the coverage limit to $1,000 per category.
Nope! No deductible. No worries.
Since our plans are deductible free, you'll receive the full replacement value of your item(s) up to $1,000.
Here’s exactly what you need to know about the I Love My Experiences plan.
The following are the types of events that would have to occur for Traverse to cover any unplanned transportation, lodging, or meal expenses that would ensue.
If your typical commercial flight, bus, or boat (sorry ballers, private jets & yachts don’t count here) is missed, diverted or delayed because of:
Below are what we consider get-me-out-of-here vacation rental situations.
When you’re living it up on vacation and all of a sudden your car has mechanical or electrical breakdown within vaca range (50+ miles from your home).
So your vaca can continue, we’ll pay you $200/day ($600 per trip) for covered expenses that you now have to pay due to the event.
The $200/day is to be used for any unplanned transportation, lodging, or meals.
Nope! No deductible. No worries.
The I Love It All plan combines the I Love My Stuff plan with the I Love my Experienes plan. So everything noted above, falls under this plan too!
A claim process that’s as smooth as a smear of cream cheese on an everything bagel.
Don’t fret. We’ll get you what you need asap. Just fill us in on what happened by logging in to your account, heading to Claims, and filling in the necessary info. Should take around 5 minutes.
We’ll take a look at what happened and see if everything checks out. Should take around 24 hours for us to get back to you - except on weekends/holidays. And sometimes we might need to contact you to get more information.
Now let’s get you what you need to bounce back. Whether it’s the full value of your item or $200/day for a vacation mishap, we’ll deposit it right into your bank account. Should take around one banking day, depending on your bank.
*This includes 3 stuff claims + 2 vacation claims
There are no annual limits on how many Liability and ID Fraud claims you can submit.
It’s always a good idea to have photos and receipts of your items to make the claim process quicker.
Got a question about changes to your plan subscription or your Traverse account? Check out the below.
Glad you asked! You can pay using your credit card. Your account will be charged once a month.
Go to the login screen, click on the Forgot Password link. You’ll receive an email with the confirmation code. Enter this code, and select your new password.
If you stay in the state of New York, you’re still covered. Just update your account with your new address. If you’re moving outside the state of New York, please let us know right away as Traverse is currently not available outside the state of New York.
Log into your account and click on My Profile. Then change your info in My Payment.
There is a minimum required payment of $30. If you cancel after the requirement has been met, we’ll refund you for the time period remaining on your subscription. If you cancel before the requirement has been met, we’ll send you a refund minus the balance of the required $30 minimum payment.
Customer-Service Email: email@example.com
Claim Email: firstname.lastname@example.org
Phone: 1-888-678-2114 (from 9am-6pm M-F)
Right now, just in the state of New York. But stay tuned, we’re on our way to your city soon!
The person who buys the policy, their spouse/civil partner/domestic partner, and resident relatives in the home.