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  <xsd:element name="TotalCreditAndNonCreditImpairmentOfInvestments" id="trv_TotalCreditAndNonCreditImpairmentOfInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element name="TreasuryStockAcquiredNetEmployeeShareBasedCompensation" id="trv_TreasuryStockAcquiredNetEmployeeShareBasedCompensation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element name="TreasuryStockAcquiredShareRepurchaseAuthorization" id="trv_TreasuryStockAcquiredShareRepurchaseAuthorization" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element name="TreasuryStockAtCostNetSharesAcquiredRelatedToEmployeeShareBasedCompensationPlans" id="trv_TreasuryStockAtCostNetSharesAcquiredRelatedToEmployeeShareBasedCompensationPlans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element name="TreasuryStockAtCostTreasurySharesAcquiredShareRepurchaseAuthorization" id="trv_TreasuryStockAtCostTreasurySharesAcquiredShareRepurchaseAuthorization" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element name="USStatesAndPoliticalSubdivisionsAllOtherMember" id="trv_USStatesAndPoliticalSubdivisionsAllOtherMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="USStatesAndPoliticalSubdivisionsPreRefundedMember" id="trv_USStatesAndPoliticalSubdivisionsPreRefundedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="UnfundedCommitmentsToPrivateEquityLimitedPartnershipsRealEstatePartnershipsAndOther" id="trv_UnfundedCommitmentsToPrivateEquityLimitedPartnershipsRealEstatePartnershipsAndOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element name="UnitedStatesFidelityAndGuarantyCompanyVAmericanReInsuranceCompanyMember" id="trv_UnitedStatesFidelityAndGuarantyCompanyVAmericanReInsuranceCompanyMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="UnrealizedInvestmentLossesAsPercentageOfCombinedFixedMaturityAndEquitySecurityPortfoliosOnPretaxBasis" id="trv_UnrealizedInvestmentLossesAsPercentageOfCombinedFixedMaturityAndEquitySecurityPortfoliosOnPretaxBasis" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="UnrealizedInvestmentLossesAsPercentageOfShareholdersEquityOnAfterTaxBasis" id="trv_UnrealizedInvestmentLossesAsPercentageOfShareholdersEquityOnAfterTaxBasis" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="WorkersCompensationMember" id="trv_WorkersCompensationMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="JMalucelliMember" id="trv_JMalucelliMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
</xsd:schema>


