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Do you have an American Express card? Many AmEx cards include travel insurance, which can cover you in the event that an incident occurs. Among other benefits, AmEx provides free rental car insurance on its cards, although the level of coverage may vary depending on the card you have.
American Express Premium Car Rental Coverage
Many AmEx cards include car rental insurance as a benefit. This applies to its most premium options, such as The Platinum Card® from American Express, as well as no-fee cards such as the Hilton Honors American Express Card. Conditions apply.
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Coverage levels vary depending on which card you hold. For example, if you have The Platinum Card® from American Express, 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 get $50,000 in coverage after an incident. Conditions apply.
Note that AmEx rental car insurance is secondary, meaning it only reimburses you after all other insurance has been paid out. This includes any personal insurance you have.
Compulsory credit card rental insurance does a pretty good job when it comes to coverage, but keep in mind that what’s covered depends on the card you hold.
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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. Conditions apply.
Note that you can still receive insurance if you used your American Express Membership Rewards to pay for the car, but not if you used other rewards programs.
AmEx’s rental car insurance protects more than the cardholder. As defined in the benefits manual, an eligible renter for collision insurance is a card member with an eligible card, their spouse or partner and any authorized drivers. For other types of insurance, such as accident injury insurance, passengers of the vehicle are also covered. Conditions apply.
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There are two different ways to submit a claim for an incident. The first is to go to AmEx’s online site and start your claim.
If you prefer to speak with someone, report your claim by calling 800-338-1670. If you are out of the country, call 303-273-6497 collect. You want to report the incident within 30 days of the loss or as soon as reasonably possible.
Then you must submit proof of loss within 60 days. Expect to provide a variety of documentation, including:
Once AmEx has all of your information and has processed your claim, they will pay your benefits within 30 days. Conditions apply.
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Most AmEx cards come with some form of rental car insurance. This is true for both premium cards with high annual fees and cards with lower fees. However, the type of insurance and the level of cover you get will vary depending on your card. Conditions apply.
To determine how the AmEx rental car benefits work for your card, you’ll want to review the benefits guide, where you’ll find information such as coverage limits and who’s eligible for coverage.
To receive free rental car insurance, you must pay the full rental with your eligible card. You should also decline any insurance offered by the rental agency. Once that’s done, insurance is automatic and you can drive away knowing you’re covered.
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The Platinum Card® from American Express offers many travel benefits – including access to more than 1,400 airport lounges and up to $200 in Uber cash each year. Among these marquee benefits, the less glamorous can often be overlooked. However, these other travel benefits and protections can really make a difference to your travels. One great example of this is the rental car benefits that come with The Platinum Card® from American Express. Conditions apply.
Let’s take a look at some of the rental car benefits that holders of The Platinum Card® from American Express enjoy, including rental elite status benefits and free rental car insurance.
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Cardholders of The Platinum Card® from American Express can enroll for elite status with three rental car companies: Avis Preferred Plus, Hertz Gold Plus Rewards and National Emerald Club.
While benefits vary between programs, you can generally expect elite status to provide rental car upgrades, accelerated credits for free rentals and the ability to skip the rental car check-in counter when picking up your car.
Cardmembers can enroll to obtain Avis Preferred Plus status (which typically requires 12 rentals or spending $5,000 in a calendar year). This status level gets you a free upgrade and bonus points every time you rent from Avis.
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You’ll also get access to a special Avis Preferred Plus reservations and customer service phone number. In addition, rental car deals are available when you use Avis Worldwide Discount discount code A756900. Conditions apply.
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Another car rental benefit of The Platinum Card® from American Express is President’s Circle status in the Hertz Gold Plus Rewards program. This status allows you to add an additional driver at no extra cost, bypass the counter and earn 1.5 points for every dollar spent, as well as guaranteed upgrades with all bookings.
Holders of The Platinum Card® from American Express can also enroll to obtain Executive tier status in National’s Emerald Club program. With Executive tier status, you can choose your preferred vehicle from the Executive Selection area and receive a guaranteed upgrade when renting at least a medium-sized vehicle.
American Express Travel Insurance
Plus, as an Emerald Club Executive, you’ll earn a free rental day after earning just six rental credits instead of the typical seven rental credits. Conditions apply.
In the excitement of picking up a rental car for a trip, you probably don’t want to consider all the things that could go wrong during your rental. Fortunately, card members don’t have to decide between the rental car insurance policy or going unprotected.
Holders of The Platinum Card® from American Express can get car rental loss and damage insurance that will cover theft or damage to their rental car up to $75,000. This does not include liability coverage. To get this secondary coverage at no extra cost, you only need to meet two requirements:
Even better, this car rental benefit extends beyond just the rental car itself. Your personal property – such as luggage and electronics – is covered up to $1,000 per person (up to a maximum of $2,000) against loss or damage during your car rental.
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If you incur medical expenses due to an accident in your rental car, AmEx will cover up to $5,000 in medical expenses per person for you and your passengers. And, in the worst case, cardmembers and their passengers are eligible for accidental death or dismemberment benefits.
As good as AmEx rental car protection is, it doesn’t cover every car rental. For example, car rental insurance on The Platinum Card® from American Express does not cover car rentals in Australia, Italy or New Zealand. Also AmEx’s
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