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American Express Premium Rental Protection
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Best Credit Cards With Primary Rental Car Insurance Of 2023
The best credit cards often have many advantages that make them worthwhile to use. One of the benefits of owning certain American Express cards is the protection and peace of mind that comes with having car rental insurance. Read on to learn more about American Express car rental insurance and what’s included.
Also known as rental car loss and damage insurance, American Express rental car insurance comes with most Amex cards, including select business and travel credit cards. – travel. However, it is important to note that coverage will vary depending on your card. For example, a premium credit card with a higher annual fee may have more coverage than a non-premium rewards card.
Most Amex cards, with or without annual fees, have a maximum benefit of $50,000 in coverage*. A few premium Amex cards have a higher benefit limit of $75,000.
Here’s a list of cards that currently offer up to $75,000 in coverage benefits** (terms apply to all cards on this list):
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Always check the terms of your individual credit card to see the type of coverage you are getting. In general, you can expect to be paid for the following:
Amex car rental insurance covers the cardmember, their spouse or domestic partner, and the authorized drivers listed in the rental agreement. It provides secondary insurance that comes after any other primary insurance you carry. If you exceed the benefits that your car insurance covers, your Amex car rental insurance can take over for additional costs.
American Express offers premium car insurance for an additional flat fee rate per rental. It provides primary cover up to $100,000 but does not cover vehicles hired in Australia, Ireland, New Zealand, Israel, Italy or Jamaica.
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What Does Rental Car Insurance On A Credit Card Cover?
It’s a smart idea to carefully review the terms of your American Express rental car insurance, as there may be more exclusions. In addition, Amex may update these terms at any time. Reviewing these terms will help ensure you are covered throughout your rental period.
To activate coverage for your Amex rental car insurance, you must reserve and pay for the full cost of a rental car with your eligible Amex card. You must also decline a full collision damage waiver and similar rental car coverage. Once you do the above and sign the rental agreement, you take possession of the car and can utilize the benefits of your Amex car rental insurance.
Submitting a claim for your American Express rental car insurance is easy. Visit americanexpress.com/protectionbenefits or call 1-800-338-1670. If you are outside the United States, call collect at 1-303-273-6497. This should be done as soon as possible, but you have within 30 days of the loss.
If you are sent a claim form, complete it and answer all the questions. If you do not receive one within 15 days of submitting your claim, you can write to them, explaining your covered event and the details of your claim.
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You must submit proof of loss within 60 days of filing your claim. You may be asked to provide documentation, such as a copy of:
If you don’t yet have an American Express card but are looking for a new option, consider this coverage when comparing credit cards. Many cards are out there, but not all will have a perk like Amex rental car insurance.
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Credit Rating Requirement: Circle the letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and lenders use a variety of credit scores to make loan decisions.
Do Chase Sapphire Preferred Authorized Users Get Primary Rental Car Insurance?
Welcome Offer: A circle with the letter I in it. Earn 80,000 Member Rewards Points after spending $8,000 on purchases on your new Card in the first 6 months of Card Membership.
Welcome Offer: A circle with the letter I in it. Earn two 85K Free Night Awards after you spend $6,000 in purchases on the Card in your first 6 months. Each award can be used for one night (redemption level at or below 85,000 Marriott Bonvoy points) at participating Marriott Bonvoy hotels. Card Members can enjoy up to $1,200 in value when redeeming each award. Certain hotels have resort fees. The offer ends on 11/1/2023.
Welcome Offer: A circle with the letter I in it. 150,000 Hilton Honors points by spending $4,000 in the first three months of opening the card
Awards Program: A circle with the letter I in it. Earn 5X Membership Rewards® Points on flights booked directly with airlines or American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. Earn 1X Membership Rewards® Points on other purchases.
The Guide To American Express Travel Insurance
Awards Program: A circle with the letter I in it. Earn 6 Marriott Bonvoy® points per dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at Worldwide Restaurants and on flights booked directly with the airlines. 2 points on all other eligible purchases.
Awards Program: A circle with the letter I in it. 14 points per $1 at Hilton properties, 7 points per $1 on flights booked directly with the airline, rental cars booked through certain agencies, and dining at eligible US restaurants, 3 points per $1 on all other eligible purchases
Natasha has been a freelance writer since 2015. It specializes in credit card content and credit card rewards. When she’s not busy writing, she’s either dreaming up her next credit card rewards redemption or traveling the world. Her goal is to encourage more people to experience the world around them while making smart financial choices.
Nathan Alderman has worked with The Motley Fool since 2005, making mistakes against its arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The’s premium newsletter services Motley. As The Ascent’s Compliance Lead, he ensures that all site information is accurate and up-to-date, which ensures that we always direct readers correctly and keeps various financial partners happy. A graduate of Northwestern University’s Medill School of Journalism, Nathan spends his free time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and doting on his two very young sons.
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We are firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been reviewed, endorsed or pre-approved by the advertisers included. The Ascent does not cover all the offers on the market. Editorial content from The Ascent is separate from The Motley Fool’s editorial content and is created by a different team of analysts.
*Rental Car Loss and Damage Insurance can provide up to $50,000 of coverage for theft or damage to most rental vehicles when you use your eligible Card to reserve and pay for all eligible vehicle rentals and reject the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary cover and does not include liability cover. Not all types of vehicles or rentals are covered. Geographical restrictions apply. The level of eligibility and Benefit varies according to the Card. Terms, Conditions and Limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
**Rental Car Loss and Damage Insurance can provide up to $75,000 in coverage for theft or damage to most rental vehicles when you use your eligible Card to reserve and pay for all eligible vehicle hire and refuse collision damage
Amex Platinum Rental Car Insurance: A Complete Guide (2023)
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