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Maximize Monday: Choosing the Best Credit Card for Car Rental Insurance

by on March 11, 2013 · 76 comments

in Credit Cards, Maximize Monday, TPG Contributors

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TPG Contributor Jason Steele takes us through the basics of insurance that credit cards provide for car rentals and how you can make a decision about which card to use for the best coverage for your particular needs.

france car

Most credit cards offer a rental car insurance option, so you can stay protected while on the road.

When we think of credit card rewards, we usually think of points and miles. But one of the most valuable benefits of a credit card is the auto rental insurance.

The problem is that these policies are sometimes very poorly disclosed, if at all. Here are some of the important terms that you should be aware of:

Collision Damage Waiver (CDW): This coverage waives the right of the rental car agency to pursue the renter for damages. This is the coverage most commonly found on credit cards’ rental insurance policies. This may have a deductible. These waivers may cover theft, vandalism, or other damage. However, in most cases, it does not cover loss of use, administrative fees, and the deductible, typically $500.

Primary vs. Secondary insurance. Primary insurance provides coverage immediately to the driver while secondary coverage only applies after any other coverage, such as your personal automobile insurance policy, has been exhausted.

Here are the rental car insurance policies of the major credit card issuers.

American Express Personal Cards Standard Coverage

Consumer cardholders receive secondary CDW coverage around the world except for Australia, Ireland, Israel, Italy, Jamaica, and New Zealand. Coverage is for as long as 30 consecutive days. You can find the specific policy for your card here.

For example, the policy for the Premier Rewards Gold card can be seen here.  This is secondary coverage that only applies to cars with an original manufacturer’s suggested retail price of $50,000 or less. It also excludes a variety of sports cards and full size SUVs. Coverage is valid for 30 days.

The Amex Platinum Card.

Amex Cardholders have the option to add on Premium Coverage when renting cars.

American Express Business Cards Standard Coverage

American Express business cardholders receive secondary CDW coverage only within the United States, its territories and possessions. Within the United States, coverage is for as long as 30 consecutive days. You can find the specific policy for you card here.

American Express Premium Coverage

This is an option all American Express cardholders have for a flat fee of $24.95 ($17.95 for California residents) per rental period, (not per rental day). While this coverage also excludes Australia, Ireland, Israel, Italy, Jamaica, and New Zealand, it is considered primary coverage, meaning you won’t have to file a claim with your insurance company.

The coverage is for up to $100,000 of primary coverage for damage or theft and accidental death or dismemberment coverage ($250,000 for California residents), up to $15,000 for excess medical expenses per person, and up to $5,000 for excess personal property coverage ($15,000 for Florida residents).

There is also no deductible for this coverage. Cardmembers enroll once and then this charge is added to all rentals. You can read the details and enroll here.

MasterCard

There are several differences in coverage depending on which type of MasterCard you use. Gold and Platinum MasterCards offer secondary coverage for rentals of up to 15 days that excludes Ireland, Israel, and Jamaica.

It has been reported that the CDW coverage for Sapphire Preferred MasterCards, which are World Mastercards, had no territorial exclusions (most Sapphire and Sapphire Preferred cards are issued as Visas). At first MasterCard’s public relations contact indicated to me that all World MasterCards and World Elite MasterCards such the Chase Ink Plus and Ink Bold, offer a primary insurance policy for 30 days with no territorial exclusions.

However, when I called Chase customer service and asked them to confirm that this coverage applies to my Ink Plus and Ink Bold World Elite cards. I was told that their policy is only available to cardholders upon request and to receive a copy of my policy, a physical copy had to be sent by mail. UPDATE:  As of June 2013, Ink cards are now Visa Business Cards and are no longer World MasterCards so the same benefits do not apply.

A week later it arrived in the mail, and sure enough, these World Elite MasterCards have the same territorial exclusions of most other MasterCards, specifically Ireland, Israel, and Jamaica.  Again, I went back to MasterCard’s public relations and was told: “The coverage provided on your Chase Ink Bold World Elite MasterCard was not purchased through MasterCard (we permit issuers to purchase CDW coverage from alternate providers).  So, if you have additional questions or had a discrepancy related to that coverage, you would need to follow up with the issuer.”

So in fact, you always need to request a copy of the insurance policy directly from the card issuer to know exactly what is covered and what isn’t. For example, my Ink Bold and Ink Plus World Elite MasterCards have primary insurance with the usual exclusions for sports cars, trucks, and vehicles driven off road.

Visa

Visa cards feature rental car insurance that cover renters for 15 consecutive days within the United States and up to 31 consecutive days in other countries. The territorial exclusions are Israel, Jamaica, the Republic of Ireland, or Northern Ireland. This is secondary coverage and is somewhat well documented here.

When you pay for a car rental with a Visa Signature such as the Sapphire Preferred, British Airways Visa, the Southwest Plus card or the Citi Hilton HHonors Reserve, Visa provides secondary insurance with a policy that covers eligible collisions and vehicle theft. For instance, if you rent a car in your home country and it gets stolen, or you get in an accident, Visa will reimburse you for the damages up to the actual cash value of most vehicles. An important side note: if you’re renting an “expensive or exotic automobile” (like a Porsche or Aston Martin), an automobile that’s 20+ years old, or a van that transports more than 8 people, the waiver benefit doesn’t apply. You can find further details at Visa Signature’s comparison of credit card rental car coverage.

Although the United MileagePlus Explorer card and the United MilagePlus Club card are both Visa Signature cards they are different in that offer primary insurance.

Discover cards

Thankfully, the Discover card is a model of proper disclosure. Its policies for both personal and business cards can be easily found and read by non lawyers. Better yet, there are no territorial exclusions. But as you might have guessed, there are far fewer countries where Discover is accepted compared to Visa, MasterCard, or American Express. Nevertheless, Discover now claims to be accepted in many countries including Israel, Italy, and Jamaica, and New Zealand. Ireland is on their list of countries where the card will be accepted next.

Other Considerations

  1. When using a Discover or MasterCard without territorial exclusions, it is recommended that travelers take a written copy of their policy when traveling to the countries that are normally excluded. For example, when making a reservation with Hertz for a car in Israel, customers are advised “If CDW is declined or not included, you must verify with your credit card company that your credit card provides full coverage for damage in Israel for the duration of rental and present a document stating the insurance coverage at the time of rental.”
  2. Vehicle exclusions. Many of these policies exclude a wide range of vehicles including vans, pickup trucks, and sports cars. Others exclude vehicles with suggested retail prices above $50,000.
  3. Compliance with terms and conditions. These policies only cover renters who comply with the terms of the rental. But these terms may have all sorts of exclusions you might not expect. For example, driving on an unpaved surface is often excluded, even though vehicles are frequently rented in rural areas or near National Parks where dirt and gravel roads are common.
  4. You must decline additional coverage. You cannot purchase CDW coverage and then make a claim to your credit card.
  5. You must pay for the rental with the card whose coverage you want. If you use points, miles, or any type of award, your credit card won’t cover you even if you use it to pay taxes and fees. If you use an award, and you sustain some damage, you may be able to pay for the vehicle with your card and decline the award. This may or may not work, and I certainly haven’t tried it myself. Thankfully, you will still be covered if you use a free rental day coupon, not an award.

Personal Insurance

If you own a car, you are required to have insurance in most states, and many insurance policies also cover you when you are driving a rental car. I spoke with my State Farm agent who informed me that the terms my policy covered me within the United States so long as the vehicle had four wheels.

So when I am in the US and when I use a rental car award, I am relying on this coverage rather than the secondary coverage I get from my various credit cards. However, when traveling abroad, I pay for my rentals with a credit card like my Ink Bold, whose coverage applies in foreign territories. Check with your personal car insurance provider to find out the terms of your policy.

How to Choose?

The best coverage is clearly the optional American Express premium policy as it has the highest policy coverage limits, the fewest vehicle exclusions, and no deductible. The price is fixed per rental, so the longer the rental, the less you are paying per day. But many people who rent just for a day or two will find that repeated cost to be uneconomical. For those people, a card such as the Ink Bold with primary coverage is the best deal. In this way, the credit card’s insurance will not be going back and forth with your personal auto insurance company, and your rates will not be affected if you make a claim.

For those who frequently visit some of the commonly excluded countries try to obtain a Chase Sapphire World MasterCard or perhaps a Discover card, if accepted where you will be traveling. Conveniently, the Sapphire Preferred, Ink Bold, Ink Plus, and Discover cards all lack foreign transaction fees.  Finally, those who rent with award points or miles will have to purchase additional insurance or be content with their personal automobile insurance as your credit card only covers you when used to pay for the base rental charge. And if you use points or miles outside of the United States, you will essentially have to purchase additional insurance, so you might as well save these awards for domestic use.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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  • http://twitter.com/masonatkinson Mason Atkinson

    I thought that the United Mileageplus Explorer card provided primary rental insurance. Is this still true?

  • Cathy

    can anyone tell me what i should do if I do not own a car, so i have no car insurance? then is the secondary coverage offered by most cards the same as primary coverage? how does it work?

    thanks

  • Jason Steele

    I think your assumption is correct. In the absence of your personal insurance, secondary coverage becomes primary.

  • Jason Steele

    My experience shows that the only way to be sure is to request a written copy of the policy, as these company’s pr and customer service is often wrong.

  • Arielstock

    As far as Sapphire Preferred MC, they provided me coverage in Israel, I simply called masterrental (via mastercard customer service) and requested a letter saying they provide coverage in Israel. They emailed it to me and it was accepted in Israel.

  • DL

    Can you put together a similar post that covers international car rentals only? Since most people’s personal car insurance is not valid abroad it is my understanding that the best plan is to either purchase primary insurance from the rental company OR purchase the premium coverages offered by Master Card and Amex. It would be great to see a comparison/contrast of the different primary programs available for international travel since I carry both cards. And if you can come up with one that also has no foreign transaction fees that would be even better.

    Thanks for your blog – it’s very informative!

  • mikeyyc

    From the Chase website for United MileagePlus Explorer;

    ENJOY THE ASSURANCES OF BETTER PROTECTION* See Offer Details below. Spend and travel without worry with exceptional purchase and travel protection benefits, including purchase protection and primary auto rental coverage

  • AJM

    One thing to be aware of with the AmEx Premium coverage is that once you have registered ONE of your AmEx cards, ALL of your AmEx cards are automatically enrolled. So if I enroll my AmEx card #1 and later I make a car reservation and pay with my AmEx card #2, I will automatically be charged $24.95 (or $19.95, whichever coverage you chose when you enrolled) for the rental. Here is what the T&C say:

    Coverage is automatically extended to other American Express Cards:
    If you are the Basic Cardmember, your other American Express Card accounts, and any Additional Cards issued on those accounts, are automatically enrolled in the Premium Car Rental Protection Plan. Any Card accounts issued to you in the future, and Additional Cards on those accounts, will also be enrolled. Cards that are not enrolled include Corporate Cards, Additional Cards enrolled independently, Additional Cards issued to you on someone else’s account, and any Card issued by a third-party bank partner of American Express. If you are the Additional Cardmember, coverage does not extend to other accounts you may have. You are only covered on the account on which you have been issued the Additional Card.

  • Mmt

    What if you use your card to purchase priceline or hotwire rentals? You do have to present a card at the rental, but the card statement just shows hotwire or priceline as the payee.

  • Mmt

    USAA World Mastercard has a supplemental of some kind to the normal MasterCard damage coverage, that I cannot fully understand.

  • LV

    What about liability insurance? Some minimum level is required by all drivers obviously, and I think that in most states (but not all), rental car companies are required to provide some minimum level (built into the price obviously).

    Could you discuss the liability insurance considerations for someone who doesn’t own a car and so otherwise doesn’t have any personal car insurance?

    Thanks.

  • BrySei

    View from the Wing has frequently commented on this, and although I cannot find a definitive post providing an explanation, see this most recent post which notes as a matter of fact that the United Explorer card provides primary collision insurance: http://boardingarea.com/blogs/viewfromthewing/2012/12/23/united-visa-55000-mile-signup-bonus-is-back-for-some/

  • RakSiam

    Another nice thing about the Amex coverage is that it also covers “loss of use” claims by the rental company if the car needs to be repaired and is out of service. At least that was the answer I got when I called Amex to ask that specific question. It’s a question the rental agencies frequently ask when trying to sell their over-priced insurance options.

  • LarryK

    Another twist on this: If you have only liability coverage on your own auto insurance, the card coverage will be primary. I submitted a claim recently and the card insurance covered everything; no deductible. They didn’t even require me to substantiate the absence of collision/comprehensive on my own policy.

  • Awlitt

    I just checked my Guide to Benefits and the United Mileage Plus Explorer card does offer primary coverage up to 15 days.

  • Sbbi98

    Are you saying if I do not have car insurance, the coverage from my CC will have deductible (of $500)? And if I do have my car insurance, the coverage from my CC will cover the deductible? What if the cc has primary coverage for car rental?

  • Benjamintaliaferro

    PLEASE READ!!! I recently just left AmEx Platinum due to their lack of ability to protect me when it came to car rentals. I live in the Middle East and car rentals are extremely picky when returning a vehicle. A “scratch” on the car cost me $150.00. I thought, ok, AmEx will protect me. WRONG! This happened 3 times! I filed 3 claims on 3 separate instances and AmEx Insurance denied every single one for horrible reasons. It wasn’t until the last denial that they told me they were unable to provide insurance to overseas cars!!! Even if its a reputable company such as Hertz. Why didn’t they tell me this in the first denial claim???? Instead they gave other petty reasons. Food for thought. I wanted to like the AmEx Platinum very much but this year has been filled with disappointments and I ultimately departed after about 8 months of ownership.

  • Jason Steele

    What were the reasons you were denied? Terratorial, Vehicle type, etc. Hopefully this article illuminated some of the many reasons they can deny you. Always get a copy of the policy and read it thoroughly. I know that is some work, but it is the only way to be sure you will be covered.

  • Jason Steele

    Read your policy, but in general, primary coverage will not involve your personal insurance, whereas secondary coverage will require your personal policy be exhausted first.

  • Jason Steele

    That is good to know, but never rely on a customer service person. Always read the contract. If the two differ, you can never prove what the CS person said, and the contract’s terms will be in affect.

  • Jason Steele

    I am not sure that I qualified to speak on that subject, but my understanding is that the affected parties can sue you for damages. Depending on what state you are in, there are different ways they could try to collect. Either way, it is very unwise to expose yourself without some insurance.

  • Jason Steele

    My interpretation is that you are paying for the rental with your card, and if you decline optional coverages, you should be covered. I have not seen any language that excludes vehicles paid through a travel agency.

  • Jason Steele

    Good to know!

  • Jason Steele

    I tried to address that in the conclusions. If a country is not excluded, then you are covered by the credit card, just as you would be at home. If it is excluded, you are essentially without coverage. Try to find a card that does not exclude the country you visit, or find the best deal on optional insurance.

  • Jason Steele

    That confirms what I have heard. ALWAYS carry documentation when visiting a commonly excluded country such as Israel, Ireland, Italy, etc (what is it with countries that begin with I?)

  • DavidYoung2

    Be careful. To be effective, you MUST have a valid drivers’ license and be legally driving. Here in California the failure to carry liability insurance makes you an ‘illegal’ driver even if your license is otherwise in good standing.

  • jayzee

    I had primary insurance with a deductible of 500 dollars. I returned a car with minor damage of about 300 dollars. My visa card covered the entire balance due.

  • http://dadtogo.com/ Dad to Go

    We’re traveling to Italy and renting a car through Hertz and I’d love to know what people have used for coverage there?

  • Eric

    Just wondering (before I apply for it) if the CHASE United club card also offers primary coverage.

  • Sbbi98

    i guess you did not realize that CC’s “secondary coverage” can cover car insurance company’s deductible, that is why is confusing in your article.

  • Jason Steele

    I bit the bullet and bought optional insurance on my last trip there. Many Italian companies require it. Your other option is to get a Sapphire Preferred MC, bring documentation, and hope for the best.

  • Ajlexusa

    Beware the Chase free insurance. they outsource the claims process and make it very difficult to collect. many bad stories. stick with amex and best is the paid premium insurance

  • Mark

    Good article but missed a major point. If you have an accident, there will likely be more than just your rental car involved. If you are at fault, you’ll still need to go through your insurance. CC insurance only applies to the rental itself, not to any other property.

  • AJM

    That’s what liability insurance is for! You can either rely on your own auto policy or purchase separate “liability only” insurance from the rental agency.

  • Jeff

    “If you use an award, and you sustain some damage, you may be able to pay for the vehicle with your card and decline the award. This may or may not work, and I certainly haven’t tried it myself.”

    What do you mean? I have 500 points with Hertz for a free weekend. How can I get the insurance covered if I want to redeem the points?

    Also, if I use the portal such as Chase Ultimate Shopping portal to book a car (using points and/or credit card), how can I get the insurance?

  • http://dadtogo.com/ Dad to Go

    Did you just buy the insurance through the rental company? We’ll only have the car for 2 days but I’m tempted to just do that since it will be the easiest thing to do… and less stressful.

  • Paul

    Does this apply to payments using debit cards that act as a Mastercard or Visa?

  • Jason Steele

    The idea is that you can change your form of payment at the conclusion of the rental. So let’s say you gave your Visa when you rented, but you sustained damage. Upon return, you could ask them to put it on your Amex with premium rental coverage enabled. Of course, this won’t work if the rental car company hits you for damages you were not aware of.

    As for rentals Chase UR points, these are probably not covered by your Chase card since you didn’t use it to pay for your rental. You have to use your personal policy or buy supplemental.

  • Jason Steele

    No debit cards that I am aware of have car rental insurance.

  • Jason Steele

    Yes that is what I did. I recall the cost was reasonable, not like the $30/day you see in the US.

  • Jason Steele

    Once your personal coverage is exhausted, a secondary policy could cover the deductible

  • Felix

    Very helpful article. I’d love if you could add two things.
    a) What about Liability Coverage (damage to the “opponent’s” car)
    b) What if I’m renting a car with a group of friends, I pay with a Visa Signature, and the accidents happens while an other driver (authorized driver on the contract) causes the damage?

  • jim L

    The Ritz carlton card and diners also provide primary coverage

  • Jason Steele

    I have heard that about the Diner’s card, but they no longer accept new cardholders.

  • tivoboy

    I know it may be a little off piste for you and most americans, but why not highlight the DINERS CLUB card and it’s PRIMARY CAR INSURANCE coverage as a key benefit? They also have a pretty robust travel partners list, and annual bonuses. If it’s truly car rental insurance options, there really isn’t a better option other than PAYING a 25$ per rental fee with an AMEX

  • PJ

    Am I wrong? I was told United Mileage Explorer by Chase offers primary coverage if the rental is less than 15(?) days

  • http://twitter.com/jamucsb Jamison

    Always buy SLI insurance in Israel… worth every penny at 15 euros a day

  • http://www.facebook.com/edea.krammer.3 Edea Krammer

    Hmmm!!! It sounds like I’ll get what I paid for… Nice! Nothing more…
    HomeHealthIns.com

  • Asdfasd

    The other thing to remember is I don’t think you want to close a CC that you are using for a rental…

  • frugalguy

    Nice to know Chase Ink Bold/Plus offers Primary coverage. But I am concern that since they are business card, once, god forbid, an accident happens during a personal trip (say in Hawaii w/ family), the insurance company may deny, delay or reduce the coverage. Any real experience here? Am I over concerned?

  • Bluto

    this is a real concern. the ink bold and plus do not cover rentals for personal trips.

  • James Reynolds

    I had no idea about the differences between credit card providers, thanks for the info. I’ve only been using Visa to purchase rental cars in Augusta, GA., but after learning this information I think
    I am going to star using my other cards. What cards do all of you prefer to use?

  • Pulley

    I’m in the insurance business and EVERY instructor I have ever asked about all answer the same way – Pay for the physical damage with the rental car agency. This way no matter what happens you just give them the key and leave. We have seen too many claims examples were various charges weren’t covered by the credit card and costs insured’s 1,000s of $$. I always pay for it and usually when I explain why I buy it as an insurance agent I get a free upgrade! :-)

  • Scott

    Also on the “Primary” rental car list is the Chase Fairmont Visa Signiture card, an often overlooked product worth having just for the primary rental car coverage.

  • Pingback: Five New Cards and 315,000 Miles/Points Later: The Results of My Latest Round of Credit Card Applications | The Points Guy()

  • mangoManFT

    When I called to cancel my wife’s Premium coverage, they offered to keep it active on only one of her 4 Amex cards, so it may be possible to get around this. We ended up cancelling anyways, but in hindsight it would’ve been good to keep on one of the cards.

  • mangoManFT

    Does the Amex Premium coverage apply to award rentals? My thought was it did, but when we had 2 award rentals last year in Germany where the taxes and fees were billed to a Premium Coverage enrolled Amex, we ended up never being billed the Premium Coverage fees. I assume we were not covered. Luckily it was not an issue, but does anyone else have any experience with this?

  • Robert

    It doesn’t have to do with Chase, it is VISA, MC, AMEX, DISCOVER that are the insurers, not Chase, Bank of America, etc.

  • Guest

    .

  • David

    I want to leave a message, but it won’t let me sign in.

  • David

    Anyway… I guess I’ll post as a guest. I have rented a car in Panama, where I was told ahead of time you must purchase CDW unless you can prove you have alternative coverage. I took the Explanation of Coverage (EOC) from Capital One for our MC World card, printed out in Spanish and English, to the Car Rental agency. As soon as I showed it to them, they were fine with renting me the car.

    Still had to purchase mandatory in-country liability coverage, though. But it wasn’t too expensive: about $50 on a $350 car rental.

  • David

    Very good post, by the way. I’m surprised more people aren’t still commenting on it (like me ;->).

  • Scott

    I could not agree more. And Fairmont’s are underrather properties (many of them).

  • Kathy

    Found this post while specifically looking for answers for Panama in April, want to rent a “medium-sized” van for 6 plus bags for a week (traveling to private rental near Boca Chica, not planning to drive in Panama City). Can you tell me what agency you went with, and did you rent at PTY (were there extra fees for that?). We have Amex cards (Starwood, Gold Delta Skymiles) and United Mileage Explorer and Chase Sapphire Preferred Visa Signature, so have choices for cards with CDW. Really want to hear about car rentals that “went well”, and who that was with.

  • Elenor

    Actually, the Guide to Benefits (effective 11/01/2013)says:
    “[Chase] Auto Rental CDW is primary coverage when renting primarily for business purposes, renting outside your country of residence for personal reasons, or if you do not have automobile insurance. Coverage is secondary when renting inside your country of residence for personal use.”

    So, part-biz/part-personal trip and they (SAY they) cover…

  • keamima

    Right and wrong. Called the benefits department at Chase
    888-320-9956, option 2,1. Prior to Nov 2013, Ink cards covered business
    trips as primary and personal as secondary or supplemental. So personal use of
    a rental car has always been covered under the Ink brand. However as of Nov
    2013, the great news is that personal use of a vehicle under the Ink brand is
    covered now as PRIMARY just like if you were using it for business. Also very
    important the author states that using points invalidates coverage. That is wrong,
    at least for Ink cards. You can make an entire reservation using points with $0
    charge to the card and will be fully covered as Primary coverage as long as the
    points used did not come from balance transfers and were earned through normal
    spend. This is great news. Call to verify that you’re particular Ink card
    receives these benefits. They should.

  • DonDover

    Diners Club is far from a robust card but I keep it only for Insurance purposes. It saved me when I had an accident in Austraila a few years ago. Diners paid for everything quickly and efficiently. Moreover, since it’s primary, my insurance company was not involved (and thus my rates did not increase, which is the reason to get primary insurance). We now just got the United Card for my wife for that reason. The only issue I see is with some countries (Australia/NZ/Italy included) one must find out if they’re included in the coverage.

  • Santosh seo

    Thank you for sharing valuable information. Nice post. I enjoyed reading this post. The whole blog is very nice found some good stuff and good information here Thanks..Also visit my page Rental Property Accounting

  • margaret

    Your insurance company wouldn’t have been involved anyway, since you were overseas, so it doesn’t matter if the credit card insurance was primary or secondary, it would have kicked in as primary, because there’s no other insurance involved.

  • Lakelife

    Is there a VISA or MC card available that has a “premium” option similar to AmEx? We are planning to rent cars in South America and given the frequent “windshield chips” charges after the car was returned something like this ‘premium” could be very convenient.
    Time for an update! ;-)

  • tivoboy

    Some have said yes, some no. Some have had luck paying with an AMEX (AMEX was the initial card in UK where the 2-4-1 originated) so it MAY be that an AMEX works regardless of whether it is THE BA AMEX or not. Technically, there is some detail in the USA CHASE T&C’s that says “card holder must be on the reservation” and something like FES&TAXES paid for with the CARD. That USED to be very clear in the T&Cs but some say it is no longer AS clear, only the “cardholder must be on the reservation”. I keep the card, since I try and get a 2-4-1 every 1-2 years for big int’l travel and we still have a LOT of AVIOS from the previous bonuses.

  • Lakelife

    My question was whether there is a VISA or MC rad that offers similar protection to the AmEx “premium” options for $25.
    I have already an AmEx but some rental companies in SA accept only VISA or MC.

  • Jacob

    NOT ANYMORE. The AmEx Premium Policy link (for 24.95) you have here says explicitly that it has territorial exclusions; they don’t cover Israel, Jamaica, New Zealand, etc. Major loss.
    Is there anyone left who’ll help me in Israel?

  • gpks00

    FYI

    Called Chase and was informed that if i use a coupon (for example, National rent 2 get 1 free, coupon gives me a $0.00 rental, plus fee and tax) then the rental will not be covered at all when i decline CDW.

    Also of note: insurance is supplemental, but as i do not have insurance or own a car, it will act as primary.

    The Benefit Admin also said that a coupon like a rent 2 days get the 3rd free is accepted.

    In my first case above, an accident would have to goto a Claims Examiner and reviewed.

    So no guarantees..

    So my Free Rental ended up costing me $33 (CDW and Liability) (May actually buy stupid None car owner liability insurance for stupid car rentals and zipcar type sharing companies.)

    ANNOYING!

  • Pam

    Question, we recently upgraded to a luxury car in Germany because it was actually cheaper than a midsize. We used our Mileage Plus Explorer and were told we were going to get a Mercedes which is covered. We ended up getting a Jaguar station wagon, which isn’t listed as excluded. Upon return, Hertz told us there was a scratch. We told them we didn’t do it, they said ok and we went on our way. We just got a bill for 800 euros and Chase says they won’t cover this type of car. If it isn’t listed as excluded, shouldn’t they be required to cover? Can they just pick and choose what they cover?

  • Mallory Spigel

    Does the new arrival plus barclays card have insurance? I cant find information about it, but I feel like it should since its a travel card?

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