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  <xs:element id="trv_ContractholderReceivablesLossOnUncollectibleAccountsInPeriod" abstract="false" name="ContractholderReceivablesLossOnUncollectibleAccountsInPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="trv_ConsolidationReclassificationAxis" abstract="true" name="ConsolidationReclassificationAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="trv_ConsolidationReclassificationDomain" abstract="true" name="ConsolidationReclassificationDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="trv_BeforeReclassificationsOfHeldForSaleMember" abstract="true" name="BeforeReclassificationsOfHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="trv_HeldForSaleReclassificationEliminationMember" abstract="true" name="HeldForSaleReclassificationEliminationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="trv_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetBusinessDivestiture" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetBusinessDivestiture" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="trv_AmountOfIncreaseDecreaseInGrossClaimsAndClaimAdjustmentExpenseReserves" abstract="false" name="AmountOfIncreaseDecreaseInGrossClaimsAndClaimAdjustmentExpenseReserves" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="trv_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingNumber" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingNumber" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="trv_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingWeightedAverageExercisePrice" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingWeightedAverageExercisePrice" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="trv_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedOutstandingWeightedAverageRemainingContractualTerm1" abstract="false" name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedOutstandingWeightedAverageRemainingContractualTerm1" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="trv_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingAggregateIntrinsicValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingAggregateIntrinsicValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="trv_PolicyholderBenefitsAndClaimsIncurredNetMember" abstract="true" name="PolicyholderBenefitsAndClaimsIncurredNetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="trv_OperatingLeaseAndShortTermLeaseCost" abstract="false" name="OperatingLeaseAndShortTermLeaseCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="trv_UnfundedCommitmentsToPrivateEquityLimitedPartnershipsRealEstatePartnershipsAndOther" abstract="false" name="UnfundedCommitmentsToPrivateEquityLimitedPartnershipsRealEstatePartnershipsAndOther" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="trv_PaymentGuaranteeCertainInsurancePolicyObligationsMember" abstract="true" name="PaymentGuaranteeCertainInsurancePolicyObligationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="trv_GuarantorObligationsAmountRecoverableFromThirdParty" abstract="false" name="GuarantorObligationsAmountRecoverableFromThirdParty" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="trv_StockIssuedNetShareSettlementEmployeeOptions" abstract="false" name="StockIssuedNetShareSettlementEmployeeOptions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
