• Report: #97515

Complaint Review: Travelers Insurance Company

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  • Submitted: Sat, July 03, 2004
  • Updated: Tue, August 31, 2004

  • Reported By:Toledo Ohio
Travelers Insurance Company
P.O. Box 6075 Glens Falls, New York U.S.A.

MrTravelers Insurance Company ripoff Toledo Glens Falls New York

*UPDATE Employee: Dog breeds and underwriting insurance agent representing Travelers.

*Consumer Suggestion: Try Safeco or State Farm Insurance

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I received a quote from Travelers from a third party rep for a home owners quote Travelers where not the cheapest but most of the quotes where close in price. I went with them then the next day I got a call that said they could not insure me. I called the rep he said he didn't know why but they could not insure me. OK so I was going to go with another and I got another call from the rep saying they will insure me OK. So I said yes and they sent me a policy. All set.

Then I get another quote from travelers online it was 60.00 dollars cheaper for the same quote so I called them and they said it was correct but because I said my shepherd dog had colors like a Alaskan husky they could not insure me I told them she was a Shepherd and I could send my old invoice showing the breed they said O.K. I sent it and they still said no. But the policy that was 60 more was still intact and not to worry about it O.K...

Well today I get a cancellation on the policy saying because my shepherd was a husky they could not insure me. This has been the worst experience I have ever had with a insurance company my last company I was with over 20 years but there rates kept going up so I got some other quotes to see if I could save a little I never had a claim and was with the same insurance company all my life as an adult I though I was a good person to insure. Nobody else but Travels ask the type dog all the others companies needed was if I had a dog that has bitten anyone. I think they only did that because the lower rate on the other policy they didn't want to honor...

I am telling everyone I know about there UN business like practice; basically they insured me then uninsured me 3 times in one week.. I hope you loose all your customers. They are plenty of good insurance companys out there. WE DON'T NEED YOU TRAVLERS.. Wonder what the stock holders would think of your practices.

Toledo, Ohio

This report was posted on Ripoff Report on 07/03/2004 03:03 PM and is a permanent record located here: http://www.ripoffreport.com/r/Travelers-Insurance-Company/Glens-Falls-New-York-12801/MrTravelers-Insurance-Company-ripoff-Toledo-Glens-Falls-New-York-97515. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 UPDATE Employee

Dog breeds and underwriting insurance agent representing Travelers.

AUTHOR: Robert - (U.S.A.)

My name is Rob and I am an insurance agent representing Travelers. I actually work for GEICO but we serve as agents for Travelers homeowners insurance policies because GEICO does not write its own homeowners insurance product.
In regard to the ineligible dog breeds, which include Rottweilers, Great Danes, Pit Bulls and huskies, my response to the assertion that the dog is not to blame but rather the owner is that there is no way to categorically analyze the responsibility of the dog owner. For that reason, certain breeds of dogs that have a tendency toward aggression and are large enough to cause significant injury to a person that could lead to a large liability claim are an underwriting concern.

Personally, I do think that that particular underwriting guideline is rather stupid, but I can't do anything about that. I can see why the chance of loss could be higher with a ravenous pack of dogs at the insured location, but not all dogs of those certain breeds are vicious.
With regard to the thought that declining to write coverage for people with those kinds of dogs is "discrimination" I would agree that it is discriminatory, but not illegal. Insurance companies discriminate among their potential insureds as a practice because they try to minimize the likelihood of a loss occurring. No company is going to write an insurance policy for a man whose house is burning down. While that is an extreme example, it hints at the reason why the insurance companies conduct business in the manner that they do. One thing that people tend to forget when they consider insurance is that a company is not required to write a policy for every applicant. It's like the Boy Scouts excluding homosexuals: it's elitist and arbitrary, but they have the right to do business however they want to.

With regard to the gentleman who was canceled three times within a week because of his German Shepard, I would agree that the situation he was put in was both unprofessional and aggravating. I'm sorry he had such a bad experience, but hopefully what I have said has shed some light on why that action was taken by the company.
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#2 Consumer Suggestion

Try Safeco or State Farm Insurance

AUTHOR: S.n. - (U.S.A.)

You will find Travelers is not the only company that will refuse to insure a large dog. It should be discrimination, but it is difficult to prove. Contact your state insurance commission or your senators and representatives to let them know how you feel about not being able to insure because of the "breed" of dog you own. I have heard from several different people that you can have problems if the agent happens to dislike your dog and the personally doesn't want to insure you. I have Safeco and I know several people who have State Farm Insurance who own large dogs. Perhaps someday we will be able to get through to these companies that it is not the "breed" of dog that is at fault. It's the owners that refuse to control them.
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