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, lost laptops, 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. We offer no deductible plans.
Protection for bodily harm to others or damage that you cause to someone else’s property for which you are legally responsible (see examples below!). If you are sued and the claim is covered, our liability coverage will help pay for lawyer fees and other legal expenses. Plus, provide you with up to $100,000 in protection. This coverage may satisfy your landlord’s insurance requirements*.
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: Our ID Fraud coverage will pay up to $25,000 worth of covered expenses.
Traverse lets you choose what items you want to cover so you don’t pay for extra coverage you don’t want. Just pick the category of item you want to protect and how much that item is worth. If you break, lose, or have the item stolen we will pay you for the repair or replacement. It is as simple as that.
We currently offer coverage for:
We want to make sure you can protect your favorite things, so we let you choose how much coverage you need up to $5,000.
Nope! No deductible. No worries.
Since our plans are deductible free, you'll receive the full repair or replacement cost of your item(s) up to the amount of coverage you purchased.
The following are the types of events that would have to occur for Traverse to cover any increased 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 increased expenses for transportation, lodging, or meals.
Nope! No deductible. No worries.
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.
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.
Yes! We’ll refund you for the time period remaining on your subscription.
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.