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Do you have an American Express card? Many AmEx cards come with travel insurance, which can cover you in the event of an incident. Among other benefits, AmEx offers free rental car insurance on its cards, although the level of coverage can vary depending on the card you own.

American Express Auto Insurance Rental Car Coverage

American Express Auto Insurance Rental Car Coverage

Many AmEx cards include rental car insurance as a benefit. This applies to your most premium options, like The Platinum Card® from American Express , as well as no-fee cards like the Hilton Honors American Express Card . Terms apply.

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Coverage levels vary depending on the card you have. If you have The Platinum Card® from American Express, for example, AmEx will reimburse up to $75,000 for damage or theft after a qualifying incident. Meanwhile, if you have the Delta SkyMiles® Blue American Express Card, you’ll receive $50,000 in coverage after an incident. Terms apply.

Note that AmEx rental car insurance is secondary, meaning it will only reimburse you after all other insurances have paid out. This includes any personal insurance you have.

Free credit card rental insurance does a good job of coverage, but keep in mind that what’s covered depends on which card you have.

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Here’s what American Express rental car insurance generally covers for premium cards like the Delta SkyMiles® Reserve American Express Card and the Hilton Honors American Express Aspire Card:

You’ll find this type of insurance on cards like the American Express® Gold Card and the Delta SkyMiles® Platinum American Express Card. Terms apply.

Note that you can still receive insurance if you used your American Express Membership Rewards to pay for the car, but didn’t use other rewards programs.

American Express Auto Insurance Rental Car Coverage

AmEx rental car insurance protects more than just the cardholder. As defined in the benefits guide, an eligible renter for collision insurance is a card member with an eligible card, their spouse or partner, and any authorized driver. For other types of insurance, such as accident insurance, passengers in the vehicle are also covered. Terms apply.

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There are two different ways to file a claim for an incident. The first thing is to go to AmEx’s online site and start your claim.

If you prefer to speak with someone, report your complaint by calling 800-338-1670. If you are out of the country, please call 303-273-6497 for collect. You will want to report the incident within 30 days of the loss or as soon as possible.

You will then need to submit proof of loss within 60 days. Expect to provide a variety of documentation, including:

Once AmEx has all of your information and processes your claim, they will pay your benefits within 30 days. Terms apply.

When Do You Need Car Rental Insurance

Most AmEx cards come with some form of rental car insurance. This is true for both premium cards with high annual fees and lower rate cards. However, the type of insurance and level of cover you will receive varies depending on your card. Terms apply.

To determine how the AmEx rental car benefits work for your card, you’ll want to check your benefits guide, where you’ll find information like coverage limits and who’s eligible for coverage.

To receive free rental car insurance, you’ll need to pay the full rental with your eligible card. You will also need to decline any insurance offered by the rental agency. Once this is done, the insurance is automatic and you can walk away knowing you are covered.

American Express Auto Insurance Rental Car Coverage

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All information about the Hilton Honors Aspire American Express Card has been independently collected by . The Hilton Honors Aspire American Express Card is no longer available through .

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The American Express PlatinumCard has multiple benefits, including travel credits, lounge access, elite hotel status and car rental benefits. Although it comes with a premium price, it offers great benefits that you may want to take advantage of when renting a car.

American Express Auto Insurance Rental Car Coverage

In addition to the American Express Car Rental Privileges Program, you can enjoy car rental privileges from some major car rental companies such as Avis, Hertz, and National Car. This article will explore all about the Amex Platinum card and how it affects the purchase of rental car insurance.

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The Platinum Card includes rental car insurance, also called collision damage waiver or CDW. Cover up to $75,000 for 30 consecutive days. Amex Platinum offers secondary coverage, which means the policy only covers what your insurance provider doesn’t cover.

If you are in an accident, Amex Platinum Rental Car Insurance requires you to file a claim with your car insurance provider. This means you may never need to use the policy if you have adequate car insurance. These may include assessment fees, loss of use and emergency towing services not covered by your auto insurance company.

When you purchase Amex car rental insurance policy, there are specific eligibility tests that you must pass. To receive full benefits, you must:

If you don’t own a car or have personal insurance, the best way to get the most out of your card is to sign up for Premium Car Rental Protection Cover. You can add it to your rental car for between $12 and $24, depending on the car rental company you choose. The coverage is primary, which means you enjoy similar benefits as you would with primary auto insurance. This coverage is usually more affordable as you are charged a lump sum, not on a daily basis.

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It is important to note that Premium Platinum Car Rental Protection excludes some vehicle types and is not applicable to car rentals in Ireland, Australia, Israel, Jamaica, Italy or New Zealand.

If you add a child, parent, travel partner or spouse to your car rental contract, they will be part of your policy.

If you or a card member, passenger or authorized driver is injured in a rental vehicle accident, the plan pays up to $5,000 in medical bills. Similarly, if the passenger, card member or authorized driver dies as a result of an accident that occurred in the rental vehicle, the plan can pay up to $20,000 for an authorized driver or passenger per accident of up to $300,000 and $200,000 to the cardholder.

American Express Auto Insurance Rental Car Coverage

The policy pays $1,000 per person and a total of $2,000 per accident for any personal items lost, damaged or stolen while in the rental vehicle. The Platinum Card also covers up to $75,000 for theft or damage to the rental vehicle.

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Amex provides peace of mind knowing that in the event of theft or car theft, you won’t have to pay for the loss of your savings. This coverage limit is usually higher than what other companies offer.

Amex Platinum Insurance offers comprehensive rental car insurance protection that you can use even if you don’t have personal auto insurance or own a vehicle.

Unlike your auto insurance, which includes basic coverages like liability, personal injury protection, and uninsured/underinsured motorist coverage, Amex Platinum secondary coverage protects against damage or loss not covered by your typical auto insurance.

If you like to travel across America, you can rely on your American Express Platinum card to get adequate insurance. The cards let you know all the benefits you’re likely to enjoy and which aren’t, including vehicle types.

Amex Premium Car Rental Protection [consolidated]

The Amex Platinum card has many benefits to offer, including car rental privileges and car rental insurance. It allows you to enjoy primary and secondary rental vehicle coverage without increasing or decreasing your price.

It is essential to evaluate your needs and determine whether to apply for the Platinum Program or purchase the Amex Platinum car rental insurance policy. Be sure to compare prices with competitors and inspect it thoroughly and carefully

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