DIRECTOR
POWER OF ATTORNEY

Know all by these presents, that the undersigned hereby constitutes and
appoints each of Kenneth F. Spence, III, Matthew S. Furman and Wendy C.
Skjerven, signing individually, the undersigned's true and lawful
attorney-in-fact to:

(1) execute for and on behalf of the undersigned, a Form ID Application
and submit the same to the United States Securities and Exchange
Commission;

(2) execute for and on behalf of the undersigned, in the undersigned's
capacity as a director of The Travelers Companies, Inc. (the "Company"),
Forms 3, 4 and 5 in accordance with Section 16(a) of the Securities
Exchange Act of 1934 and the Sarbanes-Oxley Act of 2002, as amended,
and the rules thereunder;

(3) execute for and on behalf of the undersigned, in the undersigned's
capacity as a director of the Company, Form 144 in accordance with the
Securities Act of 1933 and the rules thereunder;

(4) do and perform any and all acts for and on behalf of the undersigned
which may be necessary or desirable to complete and execute any such
Forms 3, 4, 5 and 144 and timely file such form with the United States
Securities and Exchange Commission and any stock exchange or similar
authority; and

(5) take any other action of any type whatsoever in connection with the
foregoing which, in the opinion of such attorney-in-fact, may be of
benefit to, in the best interest of, or legally required by, the
undersigned, it being understood that the documents executed by such
attorney-in-fact on behalf of the undersigned pursuant to this
Power of Attorney shall be in such form and shall contain such terms
and conditions as such attorney-in-fact may approve in such
attorney-in-fact's discretion.

The undersigned hereby grants to each such attorney-in-fact full
power and authority to do and perform any and every act and thing
whatsoever requisite, necessary, or proper to be done in the exercise
of any of the rights and powers herein granted, as fully to all intents
and purposes as the undersigned might or could do if personally present,
with full power of substitution or revocation, hereby ratifying and
confirming all that such attorney-in-fact, or such attorney-in-fact's
substitute or substitutes, shall lawfully do or cause to be done by
virtue of this power of attorney and the rights and powers herein
granted. The undersigned acknowledges that the foregoing
attorneys-in-fact, in serving in such capacity at the request of
the undersigned, are not assuming, nor is the Company assuming,
any of the undersigned's responsibilities to comply with the
Securities Exchange Act of 1934, the Securities Act of 1933 and
the Sarbanes-Oxley Act of 2002.

This Power of Attorney shall remain in full force and effect until
the undersigned is no longer required to file Forms 3, 4, 5 and 144
with respect to the undersigned's holdings of and transactions in
securities issued by the Company, unless earlier revoked by the
undersigned in a signed writing delivered to the foregoing
attorneys-in-fact.

IN WITNESS WHEREOF, the undersigned has caused this Power of Attorney
to be executed as of this 28th day of January, 2014.

Signature  /s/Philip T. Ruegger
Printed Name  Philip T. Ruegger