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The best credit cards often have a lot of perks that make it worthwhile to use. One of the special benefits that comes with owning certain American Express cards is the protection and peace of mind that comes from having car rental insurance. Keep reading to learn more about the American Express car rental insurance and what's included.
Also known as car rental loss and damage insurance, American Express car rental insurance comes with most Amex cards, including business and travel credit cards. However, it's important to note that coverage will vary depending on the type of card you have. 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 max benefit of $50,000 in coverage. A few of the more premium Amex cards have a higher benefit limit of $75,000.
Here is a list of the cards that currently offer up to $75,000 in coverage benefits (terms apply for all the cards on this list):
Always check your individual credit card's terms to see the type of coverage you're getting. In general, you can expect the following to be paid for:
Amex car rental insurance covers the cardmember, their spouse or domestic partner, and authorized drivers listed on the rental agreement. It provides secondary insurance that comes after any other primary insurance that you carry. If you max out the benefits that your car insurance covers, your Amex car rental insurance could take over for additional costs.
For an additional flat-fee rate per rental, American Express offers premium car insurance. It provides primary coverage up to $100,000 but doesn't cover vehicles rented in Australia, Ireland, New Zealand, Israel, Italy, or Jamaica.
There are limitations to your American Express car rental insurance. This includes the following:
It's a smart idea to carefully review the terms of your American Express car rental insurance, as there may be more exclusions. Additionally, Amex can update these terms at any time. Reviewing these terms will help to ensure that you're covered during your rental period.
To activate coverage for your Amex car rental insurance, you must reserve and pay for the entire cost of a rental car with your eligible Amex card. You will also need to decline a full collision damage waiver and other similar rental car coverage. Once you do the above and sign the rental agreement, you'll be taking the car into your possession and will be able to utilize your Amex car rental insurance benefits.
Filing a claim for your American Express car rental insurance is easy to do. Visit americanexpress.com/protectionbenefits or call 1-800-338-1670. If you're outside of the United States, you can 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're sent a claim form, be sure to complete it and answer all questions. If you don't receive one within 15 days of filing your claim, you can write to them, explaining your covered event and the details of your claim.
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 your:
Once the claim is deemed payable, you will receive your benefits, usually within 30 days.
If you don't yet have an American Express card but are looking for a new option, be sure to consider this coverage when comparing credit cards. There are many cards out there, but not all of them will have a perk like the Amex car rental insurance.
Here are some other questions we've answered:
If you have an eligible card with Amex car rental insurance, you must charge the full cost of the rental to your eligible card. You'll also need to decline the full collision damage waiver and any other similar coverage offered by the rental company. After doing these things and signing your rental agreement, you're able to use your American Express rental car insurance benefits. This insurance is secondary to your personal auto insurance policy.
No. There are many vehicles that aren't covered by this insurance. Vehicles used for commercial purposes, moving trucks, car share vehicles, vans, certain trucks, off-road vehicles, recreational vehicles, and campers are just some of the vehicles not covered.
You can file your claim at americanexpress.com/protectionbenefits or by calling 1-800-338-1670. You need to file a claim as soon as possible and within 30 days of the loss. If you're sent claim forms, be sure to fill them out. If you don't receive claim forms within 15 days of filing your claim, you can submit written communication explaining your claim. You must submit proof of loss within 60 days of filing. You may be asked to provide documentation such as: copies of your rental agreement, repair bill estimates, the rental charge slip, car insurance coverage, driver's license, or an applicable police report.
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For rates and fees for the Delta SkyMiles® Reserve American Express Card, click here
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