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The Truth About Car Rental Insurance You Need to Know

A nationally recognized reporter, writer, and consumer advocate, Ed Perkins focuses on how travelers can find the best deals and avoid scams.

He is the author of "Online Travel" (2000) and "Business Travel: When It's Your Money" (2004), the first step-by-step guide specifically written for small business and self-employed professional travelers. He was also the co-author of the annual "Best Travel Deals" series from Consumers Union.

Perkins' advice for business travelers is featured on MyBusinessTravel.com , a website devoted to helping small business and self-employed professional travelers find the best value for their travel dollars.

Perkins was founding editor of Consumer Reports Travel Letter, one of the country's most influential travel publications, from which he retired in 1998. He has also written for Business Traveller magazine (London).

Perkins' travel expertise has led to frequent television appearances, including ABC's "Good Morning America" and "This Week with David Brinkley," "The CBS Evening News with Dan Rather," CNN, and numerous local TV and radio stations.

Before editing Consumer Reports Travel Letter, Perkins spent 25 years in travel research and consulting with assignments ranging from national tourism development strategies to the design of computer-based tourism models.

Born in Evanston, Illinois, Perkins lives in Ashland, Oregon with his wife.

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No matter how often I cover the problems that come with collision damage under car rental insurance, consumers continue to share their frustrations. A reader recently emailed me:

“I’m interested in finding a complete bumper-to-bumper, ‘drop off the keys at the counter’ car rental coverage when I travel. I recently thought I had complete coverage though a credit card, but when my car suffered a small dent, the car rental company flat-out refused to document that it actually lost income from having the car rental in the shop (which took three weeks to repair a small dent). I was left with responsibility.”

This experience is uncommon, but not unique. Car rental companies desperately want you to buy their collision damage waiver, or CDW (sometimes also known as loss damage waiver, or LDW), and will go to great lengths to make you pay for even the smallest damages if you don’t. Here’s what you need to know before you shell out for car rental insurance on your next vacation.

Car Rental Insurance: What You Need to Know

The One Way to ‘Drop the Keys and Forget It’

When you buy a CDW, the rental company surrenders its rights to charge you for damage to a car rental—with a few exceptions, such as tire damage or gross negligence. (CDW terms and conditions vary by car rental company, so you’ll want to read them carefully before committing.) But otherwise, no matter how banged up the car could be, you’re off the hook: Just turn it in and be on your way. No other approach—your own insurance, your credit card, or a third-party policy—is as comprehensive or convenient. If you want that full flexibility and peace of mind, pay for CDW.

CDW Insurance Is Ridiculously Overpriced

Typically, a CDW starts at around $30 per day and can go higher. The actuarial cost to the rental company—the amount it would allocate toward a damage pool based on risk experience—is probably just a few dollars a day; the rest is theirs to keep. No wonder the agents push it so hard: It’s clearly a lot more profitable than the car rental alone.

The 16 Best Car Rental Booking Sites

You’ll Pay Up Front for All Damage

You can cover your major damage responsibility by relying on your own insurance, a credit card with insurance, or a third-party policy. But in all of those cases you have to pay a damage claim up front, then recover as much as you can (all of it, you hope) by filing a claim afterward. That means signing a credit card bill for hundreds or even thousands of dollars when you return the damaged car, and not knowing if you’ll get that money back.

That’s why some rental companies won’t accept rentals via debit card, or a credit card with a small limit. If you can pay the initial rental fee with a debit card, you may still need to provide a credit card to cover a possible damage claim, which would be filed before you can leave the return counter.

‘Damage’ Is More than Fixing a Dent

If you don’t buy CDW, rental companies can charge for more than just fixing the damage. They may also charge for:

• “Loss of use,” meaning the potential revenue lost while the car is out of service being fixed, even if the company had lots of other cars available. And they generally figure that daily loss at the full retail rate.
• Towing charges, if you are unable to drive the car back to the return station.
• “Diminished value,” or the potential loss of the car’s resale value (because of your damage) when the rental company disposes of it, usually within two years.
• Administrative fees associated with the claims process.

Most non-CDW car rental insurance will cover those extras. But, in some cases, coverage depends on cooperation from the rental company—and it may not be forthcoming, as our reader’s above wasn’t.

5 Vacation Rental Scams to Watch Out For

You Need General Liability Protection

You should never get behind the wheel of a car—or lawnmower, for that matter—without liability protection. But you don’t buy that from a car rental company: It usually comes with household, homeowner, or tenant insurance, and it covers far more than a car rental. And if your net worth is in six figures, you probably need an “umbrella” liability policy that covers a million dollars or more.

Car rental companies in most countries are required by law to include liability insurance. In the U.S., required coverage can be ludicrously small (usually only the minimum required by the state)—it’s usually much better in Europe. If you don’t have substantial liability insurance, you might consider buying the rental company’s offering. Still, your best bet is to make sure you’re covered 24/7 with your own insurance so you can forget about the rental company’s overpriced insurance.

Alternatives to Rental Company Collision Damage Waivers

Alternative #1: Pay with Your Existing Car Insurance

In many cases, if your regular auto insurance covers collision damage to your insured car, it also covers damage to a short-term rental. But this coverage is generally limited to driving in the U.S. and maybe Canada, and won’t cover car rentals in Mexico, Europe, or anywhere else. So, before you plan on using your own insurance, check its coverage. If it does cover rentals, you can place a claim on it. Still, you must typically pay your policy’s deductible, and any claims may cause your rates to go up.

Alternative #2: Use Credit Card Benefits

These days, most credit cards provide “free” collision coverage for car rentals, provided you use the card to secure the rental. A sample credit card benefits statement describes coverage as:

“Physical damage and/or theft of the covered rental vehicle. Valid loss-of-use charges assessed by the rental company while the damaged vehicle is being repaired and is not available for use, as substantiated in the company’s fleet utilization log. Reasonable and customary towing charges related to a covered loss to take the vehicle to the nearest qualified repair facility.”

Note that this typical Visa card’s benefits do not cover diminished value or administrative costs. A few premium credit cards offer primary collision coverage, meaning the card takes full responsibility for the payment. But coverage on most cards is secondary, meaning the card picks up only what you can’t first recover from your own insurance. And you still have to pay the rental company up front, then file for reimbursement from your card issuer.

Another gotcha in the above fine print: This card (and many others) pays for loss of use only if verified by the rental company’s log. Unfortunately, some rental companies don’t cooperate with credit card issuers in providing this type of documentation in a timely manner.

The Ultimate Guide to Travel Insurance: Everything You Need to Know

Alternative #3: Third-Party Car Rental Insurance

If you rent a car through one of the big online travel agencies (OTA) such as Expedia or Priceline , the agency normally offers you the option to buy collision coverage for around $10 a day. That coverage is provided by a third-party insurance company such as Allianz . The cost is a lot less than the rental company’s CDW, but, as with credit card coverage, if you damage the car, you have to pay up front and claim later.

Typical third-party collision coverage includes about the same contingencies as credit card coverage, but because it’s grouped with the booking you won’t have to make any other claims. You can also buy collision coverage independently: Bonzah , for example, sells coverage at around $10-$20 per day.

The Uncertainty Principle

The takeaway from all this: No alternative source of collision damage coverage—your auto insurance, your credit card, or a third party—completely isolates you from risk. Lots of travelers successfully rely on lower-cost alternatives to CDW without encountering any problems, sure. Occasionally, however, your own insurance, credit card, or third-party policy may not cover an unusual charge a rental company might impose.

If you’re unwilling to accept any risk at all, you might want to buy that overpriced CDW. For most travelers and circumstances, credit card or third-party coverage is sufficient, and primary coverage is a lot better than secondary.

Consumer advocate Ed Perkins, the founding editor of the Consumer Reports Travel Letter, has been writing about travel for more than three decades.

Editor’s note: This story was originally published in 2017. It has been updated to reflect the most current information.

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Rental Car Coverage and Travel Insurance | Money

The secret to enjoying a vacation to the fullest is having a safety plan in case problems arise. If you’re driving a rental car during your trip, your current auto policy may not offer enough, or any, coverage in the event of a collision or theft. But your travel insurance policy could, for an added fee.

This guide covers some important information about travel insurance with rental car coverage and provides tips on how to minimize your risks without breaking the bank.

What is Rental Car Travel Insurance?

Some travel insurance companies offer add-ons that provide rental car collision coverage. This option can protect you from financial responsibility if your rental vehicle is lost or damaged in a collision or due to events beyond your control, such as theft or natural disasters. It does not include coverage for your personal belongings stored inside the vehicle or for medical expenses incurred by injured parties.

Travel policies with rental car coverage may require you to pay repair costs upfront and then file a claim to be reimbursed. Additionally, not all rental car companies accept this type of coverage, so check whether your rental company does before purchasing this add-on.

If you’re traveling domestically and already have a personal auto policy, it could extend some coverage to rental vehicles. Of course, it may not be enough to cover all the risks of renting a car. Before purchasing any additional protections, contact your auto insurance company to understand what your policy does and doesn’t cover with regard to rentals.

If you are traveling abroad, on the other hand, your U.S. car insurance policy won’t cover a rental vehicle. In that case, you have several options besides travel insurance with rental car damage protection. For example, you can purchase coverage directly from the rental car company or see if your credit card offers coverage when you use it to reserve the car.

Just keep in mind that not all credit cards offer car rental coverage, and that coverage may be secondary to your auto policy. Additionally, the additional insurance offered by rental car companies may have coverage restrictions regarding who may drive the vehicle, where it may be driven and for what purposes, so read the contract carefully.

Does Travel Insurance Cover Rental Car Damage?

Travel insurance generally doesn’t cover rental vehicles. However, some companies offer loss and damage coverage as a policy add-on or separate plan.

If you opt for this coverage, you typically get emergency roadside assistance and a predetermined amount of coverage, sometimes with a deductible, if your rental is stolen or damaged in a qualifying accident or natural event.

What Travel Insurance Plans Won’t Cover When Renting a Car

The rental car protection you can get through some travel insurance policies generally only covers damage to the car or losses stemming from a qualifying accident or event beyond your control. It doesn’t automatically include liability coverage or cover emergency medical care for injured parties or personal effects stored in the rental.

If you want additional protection rental car companies may offer the following:

• Supplemental liability insurance : Offers protection against third-party claims, including injuries to other parties and damage to their property.
• Personal accident car rental insurance : Covers your medical bills and those of your passengers, even if the accident was your fault.
• Rental car personal effects coverage : Can reimburse you up to a set dollar amount if your personal belongings are stolen from the rental car.

Travel and Rental Car Coverage with Travel Credit Cards

Some of the best travel credit cards offer coverage for rental cars. This coverage generally extends to collision damage and theft but does not provide liability protection. And restrictions and exclusions may apply. For example, some cards offer secondary coverage, meaning you must first file a claim through your car insurance company before using your credit card’s rental car insurance benefit.

Other cards offer primary coverage when traveling abroad, but may not cover you in all countries and you may be limited in the types of vehicles you can rent. Contact your credit card provider to understand what your card covers and whether that coverage is primary or secondary. You may also have to decline the rental car company’s collision damage waiver (CDW) for your credit card coverage to kick in.

Tips when shopping for Rental Car Insurance Coverage for your trip

You have a few avenues to explore when purchasing rental car insurance. Regardless of the type of coverage you choose, reading the fine print and understanding exclusions can help you make smarter financial decisions.

Check Whether You’re Already Covered

According to Progressive, drivers who already have a personal auto insurance policy may not need to purchase additional rental car insurance when traveling within the U.S. And those who own homeowners or renters insurance may also have coverage for personal belongings stored in their rental vehicle.

If you’re traveling internationally , your credit card may provide primary collision coverage for some rental cars in some destinations. Check with your credit card issuer to see whether you have such protection and if any exclusions apply.

Compare Travel Insurance Policies beyond Rental Coverage

If you’re traveling internationally, you may want to consider a travel insurance policy to protect yourself against common issues like trip cancellations and interruptions, emergency medical treatment and evacuation, lost or delayed baggage, and missed connections.

Most travel insurance providers also offer add-ons besides rental car collision coverage that can benefit travelers in certain situations. For example, if you’re unsure about your travel plans, purchasing cancel for any reason travel insurance will allow you to cancel your trip for reasons other than those listed as covered under your policy and get reimbursed a percentage of your pre-paid non-refundable travel expenses.

Read our article on travel insurance to learn more about what it covers and how it can benefit you.

Rent a No-Frills Car

When renting a car for a vacation, you may be tempted to go for a more luxurious option than what you normally drive. However, keep in mind that luxury cars are more expensive to repair and replace, so insuring them costs more than insuring economy cars. And repair costs may well exceed your insurance coverage limits.

When in doubt, pose your questions to a Licensed Agent

There’s no shortage of insurance providers and policy options. If you’re not a seasoned traveler used to making travel and rental car insurance arrangements, it’s easy to get lost while researching the best travel insurance companies . Further, if you fail to make a claim according to your policy’s instructions, it could result in your claim being denied.

A licensed agent can help you purchase the right coverage, assist you in making changes to an existing policy (if possible) and even guide you through the claim filing process.

How much does Travel Insurance with Rental Car Coverage cost?

According to the U.S. Travel Insurance Association , a travel insurance policy can cost between 4% and 8% of your total trip. But the price could be higher than 8% if you purchase add-ons like rental car coverage.

The exact price of your policy will depend on several factors, including:

• The travel insurance provider
• The type of policy you select
• The policy’s limits
• The car you rent
• The length of the rental agreement
• The number of drivers
• Other insurance add-ons you buy
• Your choice of deductible

If you’re on a budget, carefully consider the factors you have control over, like the length of the car rental agreement and your choice of car. Your decisions can help you save money.

Will your Personal Car Insurance Policy cover you while traveling abroad?

Generally, your personal car insurance policy won’t cover you while traveling internationally, as many countries don’t accept foreign policies. The same goes for rental car insurance through travel insurance. If the policy’s limits don’t match the country’s requirements or the car rental company doesn’t accept the policy, you’ll likely have to buy insurance when you go pick up your car.

However, your personal insurance may include travel to Canada. Before traveling, contact your insurance company to see if you are covered or whether you can purchase a temporary policy for the length of your trip.

Does Travel Insurance for Rental Cars also cover motorcycles and RVs?

You’re unlikely to get coverage for rental trucks, RVs and motorcycles through travel insurance. If you want protection, first see if your personal auto insurance extends coverage for these vehicles. If not, you’ll have to purchase policies directly from the rental company.

If you plan to rent a motorcycle during your trip, speak to an insurance agent about how to get temporary coverage. Motorcycle laws vary from state to state and even more from country to country, so more may be involved when purchasing insurance.

Is it better to Buy Coverage directly from the Rental Car Company?

For starters, you may not need to buy any additional rental car insurance at all. Check with your car insurance company whether your current policy extends to your rental and whether any exclusions or limitations apply.

If your personal auto policy doesn’t provide coverage for your rental car, ask your agent if it’s available as an add-on and how much it will cost for the duration of your trip. Again, consider the type of vehicle you will rent, where you’re driving it and how much coverage you need at your destination.

You can also get coverage through a travel insurance policy add-on, direct from the rental car company or even by paying for the rental with certain credit cards.

There’s no one right decision, just make sure you’re not paying for something you don’t need. And the best way to do that is to ask questions. If you decide to go for travel insurance with rental car coverage, make sure the car rental company accepts this form of insurance before you purchase a policy.

If your trip isn’t a lavish vacation and you don’t necessarily need travel insurance but have a credit card that offers travel protections, contact your credit card issuer to understand exactly what’s covered. To get coverage through your credit card, you’ll have to decline the rental car company’s collision damage waiver (CDW), so ask about this as well.

Lastly, you may feel more secure knowing you’re financially protected with a policy directly from the rental company, not a third party. These policies are typically more expensive than third-party policies, but you’ll be off the hook from filing any claims while vacationing.

Find the Coverage you need for your upcoming trip

Whether you travel for business or pleasure, you can have peace of mind while away if you prepare and minimize your risks as much as possible. The quickest and perhaps easiest method is to purchase all-inclusive travel insurance with car rental coverage. But you could be spending more on coverage than you have to, and that coverage may not be accepted by the car rental company.

Before your next trip, check your current insurance policies and credit card benefits to see what coverage you already have. Then, shop around with insurance providers and rental car companies to see what plans offer you the most for your money.

© Copyright 2023 Money Group, LLC . All Rights Reserved.

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Why do I need travel insurance?

Because sometimes..., you have to cancel a trip last-minute..

Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason.

Travel delays leave you stranded.

Travel insurance can reimburse you for eligible meals, accommodation and transportation expenses during a covered delay.

You get sick or hurt when you're far from home.

Travel insurance can reimburse you for care following a covered medical emergency while traveling. We can even arrange and pay for a medical evacuation if needed.

Fender-benders are unavoidable.

Renting a car means taking on a big financial risk; even a tiny scrape can cost you hundreds. Low-priced rental car insurance lets you drive worry-free.

You need help in a hurry.

Whether you're planning a week-long road trip or a weekend getaway, you never know what might happen. Travel insurance gives you access to our 24-Hour Assistance hotline for expert, personalized support in a crisis.

Why go with Allianz Travel Insurance?

As a world leader in travel protection, we help more than 70 million people answer the call of adventure with confidence every year.

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The 6 Best Vacation Rental Travel Insurance Plans

Allianz Travel Insurance »

Seven Corners »

AXA Assistance USA »

AIG Travel Guard »

Nationwide Insurance »

Red Sky Travel Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Vacation Rental Travel Insurance Plans.

Table of Contents

• Rating Details
• Allianz Travel Insurance
• Seven Corners

When you're planning an affordable yet fun-filled vacation, a rental home can be a great lodging option. By booking a vacation rental that's a condominium, a rustic cabin or a private villa instead of a hotel or resort, travelers get to enjoy more of the comforts of home during a trip, such as a living space and a kitchen to make meals in.

But you can't plan for everything, so you don't necessarily want to skip over a travel insurance policy in case something goes wrong. Investing in vacation rental travel insurance is the best protection you have against inclement weather or a natural disaster ruining your trip or forcing you to evacuate your vacation home before the end of your rental period.

The best travel insurance plans also offer additional coverage for travel delays, baggage loss, emergency medical expenses, emergency evacuation and other perils. Before you book a vacation property directly from an owner or through a platform like Airbnb, Vacasa or Vrbo, read on to learn about the best travel insurance policies for this type of trip and what they include.

• AXA Assistance USA
• AIG Travel Guard
• Nationwide Insurance
• Red Sky Travel Insurance

Best Vacation Rental Travel Insurance Plans in Detail

Customizable coverage that works well for vacation rentals at any price point

Kids 17 and younger covered for free with some plans

OneTrip Basic plan may have insufficient coverage for your needs

• Trip cancellation coverage worth up to $100,000
• Trip interruption coverage worth up to $150,000
• Trip change protector worth up to $500
• $50,000 in coverage for emergency medical expenses
• Up to $500,000 for emergency medical transportation
• Baggage loss and damage coverage worth $1,000
• Baggage delay insurance up to $300
• Travel delay coverage worth up to $800 ($200 per day)
• 24-hour travel hotline assistance

Broad selection of plans to choose from

Ideal vacation rental coverage for domestic trips available

Domestic plans with Air Travel Bundle come with low limits for baggage and personal effects

• Trip delay coverage worth up to $300 ($100 per day)
• Travel inconvenience coverage worth up to $150
• Baggage coverage worth up to $500 ($250 maximum per item)
• Baggage delay coverage worth up to $250 (up to $100 per day)
• Emergency accident and sickness coverage worth up to $50,000
• Coverage for emergency evacuation and repatriation of remains worth up to $250,000
• Emergency dental expense coverage worth up to $250

Offers comprehensive coverage based on your needs

Customize your policy with available add-ons

Optional CFAR coverage only available with Platinum Plan

• Trip cancellation coverage worth up to 100% of the total trip cost
• Trip interruption coverage up to 100%
• Trip delay coverage up to $500 ($100 limit per day)
• Missed connection coverage up to $500
• Emergency medical coverage up to $25,000
• Emergency evacuation coverage up to $100,000
• Accidental death and dismemberment coverage up to $10,000
• Common carrier accidental death and dismemberment coverage up to $25,000
• Baggage delay coverage up to $200
• Baggage and personal effects coverage up to $750

Customizable coverage with high limits

Cancel for any reason coverage available

Low medical expense limits for Essential Plan

• Trip cancellation coverage worth up to 100% of the trip cost
• Trip interruption coverage worth up to 150% of the trip cost
• Up to $1,000 in coverage for lost baggage
• Baggage delay coverage worth up to $300
• Travel medical expense insurance worth up to $50,000
• Up to $500,000 in emergency medical evacuation protection

10-day review period available

Preexisting conditions can be covered

Nationwide does not offer single-trip plans without medical or baggage insurance

• Up to $30,000 in trip cancellation insurance
• Trip interruption coverage worth up to 200% of the total trip cost (maximum benefit of $60,000)
• Trip delay coverage worth up to $250 per day ($2,000 maximum)
• Missed connection and itinerary change coverage worth up to $500
• Secondary coverage for baggage and personal effects worth up to $2,000
• Baggage delay coverage worth up to $600 for delays of 12 or more hours
• Accident and sickness medical expense coverage worth up to $150,000
• Emergency dental coverage worth up to $750
• $1 million in insurance for emergency medical evacuation
• Coverage for terrorism in a vacation destination

Choose from tailor-made plans for vacation rentals

Can only be purchased directly through vacation rental companies

Limited coverage options available (no option for rental cars or CFAR)

• Up to $100,000 in reimbursement for vacation rental expenses
• Trip delay coverage worth up to $750 (maximum of $200 per day)
• Coverage for emergency medical expenses and emergency medical evacuation (policy limits vary)
• Baggage delay insurance worth up to $1,000 per day ($200 per day)
• Emergency roadside assistance
• Worldwide emergency assistance services

Frequently Asked Questions

Vacation rental travel insurance works like any other type of travel insurance coverage. You pay a premium for the policy upfront, and you get varying levels of protection for trip cancellation or interruption, emergency medical expenses, emergency medical evacuation, lost or delayed baggage, and more.

You may not need certain types of travel insurance for trips in the U.S., such as coverage for emergency medical expenses if your own health insurance still applies. You may also choose to skip rental car insurance if you're using your own car and insurance for your trip. That said, it can still be beneficial to pay for travel insurance that covers trip cancellation and interruption, emergency medical evacuation, and more.

You can buy travel insurance online from top insurance companies. You may also be able to secure coverage with your vacation rental provider. Compare plans on TravelInsurance.com .

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel and travel insurance for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries, some of which have included vacation rentals within the U.S. and all over the world. Johnson lives in Indiana with her two children and her husband, Greg – a travel agent who has been licensed to sell travel insurance in 50 states.

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Insurance for Rental Car Damage: Where to Get it and Things to Know

What happens if you get into an accident with your rental car while on your trip?

We’ll answer that question in just a moment, but first, let’s do one of those camera tricks you see on commercials and rewind from the accident to the moment where you had to choose whether to buy a protection plan that provides coverage for damage to your rental car .

Also read:  Top 5 Reasons to Get Travel Insurance

How to Get Damage Insurance Coverage for a Rental Car

So, you’re at the rental car counter, you’re presented with the loss-damage waiver form, and your pen hovers above the form before making a decision.

At this point, you’re thinking of your options, which are:

1. Accept the insurance from the rental car company

The knee-jerk reaction is to think that the insurance from the rental car agency is a rip-off, but it will likely get the job done -- protecting your wallet from those magic dents and scratches that always seem to appear between the time you pick up the car and the time you drive it out of the parking lot.

2. Buy a standalone rental car policy from a company

As more people rely on services like ZipCar for their auto-transportation needs, standalone rental car coverage has become more common. For trips where you don’t have a lot of prepaid travel expenses, this coverage can be a good choice.

3. Rely on your standard auto-insurance policy to cover you

If you're hoping a rental car accident won't impact your regular auto-insurance rates, anything other than your standard car insurance is a good choice.

4. Hope that your credit card has rental car coverage

Many travel credit cards include some level of rental car protection, but only if you used that card to pay for the car. And, the devil’s in the details -- be sure to read the fine print.

5. Remember that you got the Rental Car Damage coverage with your travel insurance plan *

Finally, there’s Rental Car Damage coverage through a travel insurance plan . This coverage is great if you have a lot of prepaid expenses – like airfares, hotels, and excursions – especially if you’re buying travel insurance anyway.

Rental Car Damage coverage can reimburse you up to $25,000 if your rental car is damaged through collision, theft, vandalism, natural disasters or any other cause beyond your control while you’re on your trip. The coverage is available as an extra-cost add-on with Generali's  Standard  ,  Preferred  plans and included with the  Premium plan .

Also read:  7 Questions to Ask to Find the Best Family Travel Insurance

Understand Your Rental Car Damage Insurance Coverage

With any rental car damage insurance, it’s important to see exactly what’s covered and at what level. It’s also helpful to be able to see what the policy covers far in advance – as in, not at the rental car counter. If you can get something from the rental car company 10 days or so in advance, great. If not, you may want to consider alternatives, like travel protection .

Finally, note that even though the car rental company may tell you that you have to buy their insurance, that’s not true. You don’t need their insurance to rent a car. However, a car rental company can refuse to rent a car to you if you don’t buy their insurance or supply adequate proof of insurance coverage.

Also read:  How Travel Insurance is Different from Car or Home Insurance

Does All Travel Insurance Include Rental Car Damage Coverage?

Keep in mind not all travel insurance has rental car damage coverage. Some companies may include this as an optional add-on or include it with other plans.  Generali Global Assistance offers travel protection plans with both options.

Does My Personal Car Insurance Cover Rental Cars?

Your personal car insurance might cover rental cars. Remember that it may only be for personal use, not for business purposes. You may need to purchase separate insurance when using a rental car for business. Also, any claims on your personal car insurance might increase your premiums for that insurance.

What Is Covered Under Travel Protection for Rental Car Damage?

Most travel protection plans that include rental car damage coverage may cover damage to the rental car because of collision, theft, vandalism, natural disasters, and more.

Generali Global Assistance’s plans specifically say their Rental Car Damage Coverage is good for “collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control, or the car is stolen while in your possession and not recovered.”

And, not only are you insured, but so is your traveling companion, provided you   are both a licensed drivers, and are listed on the rental agreement. Also, in this case, Generali’s Rental Car Damage coverage is primary to other forms of insurance, so it will pay before any other insurance coverage you have.

There are also vehicles that cannot be covered by our plans. These include rentals of trucks, campers, trailers, motor bikes, motorcycles, off-road, all-terrain, or recreational vehicles, vehicles that are older than 20 years, vehicles that have not been manufactured in the past 10 years, vehicles that are rented for commercial purposes, and vehicles that have a manufacturer’s suggested retail price of more than $75,000.

What Happens if Your Rental Car Gets Damaged?

Now, let’s return to that scenario we presented at the outset – you know, where you’re debating whether to buy a plan with rental car damage insurance coverage. Let’s say you decided to go with the Rental Car Damage coverage offered with the Generali Global Assistance plans, and you got into an accident, because... of course.

First, you’ll need to do the basics that you’d do with any car accident, like:

• Calling 911 or the equivalent;
• Filing a report with the police;
• Exchanging insurance information
• Calling for a tow truck, if you need one;
• Taking all your stuff out of the rental car; and
• Taking pictures of everything. It literally costs nothing to snap several dozen pictures of everything from insurance information to car damage to the tow truck’s license plate.

At that point you should report the incident to your rental car company and then submit a claim to Generali to seek reimbursement for either the cost of repairs and rental charges imposed by the rental company while the car’s being repaired, or the car’s actual cash value, whichever is less.

Now that you know all the ways you can get rental car damage protection, be sure to consider travel protection for your next trip with a car rental.

Travel Resources

* Rental Car Damage coverage from Generali Global Assistance may not be accepted by all rental car companies and jurisdictions.

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Chase Sapphire Preferred Card Travel Insurance – 10 Frequently Asked Questions [2024]

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Chase Sapphire Preferred Card Overview

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The Chase Sapphire Preferred ® Card remains one of the most popular travel rewards credit cards for numerous reasons. Alongside excellent earning rates and a fair amount of benefits that justify the $95 annual fee, the card also offers numerous shopping and travel insurance benefits.

If you’re like most people, you hear the word “insurance,” and your eyelids start feeling heavy. Let’s be honest: Insurance isn’t thrilling. The terminology can feel confusing, leaving you with many questions about what exactly the travel insurance on your Chase Sapphire Preferred card does and doesn’t cover.

You have questions, and we have answers. Here’s a simple look at your most common questions about travel insurance on the Chase Sapphire Preferred card.

Chase Sapphire Preferred ® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Financial Snapshot

• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees: None

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Before moving any further, let’s ensure you’re familiar with the long list of travel protections built into the Chase Sapphire Preferred card :

• Auto rental collision damage waiver
• Baggage delay insurance
• Lost luggage reimbursement
• Travel accident insurance
• Trip cancellation and trip interruption insurance
• Trip delay reimbursement

You’ll also enjoy several other cardholder benefits and protections beyond travel insurance :

• Extended warranty protection
• No foreign transaction fees
• Purchase protection
• Roadside dispatch
• Travel and emergency assistance

Some of the benefits seem more obvious than others. And, as with all insurance, there are always specific terms to understand, exclusions to mind, and coverage limits . Let’s clear some of those up.

1. What Flight Insurance Does the Chase Sapphire Preferred Card Have?

When flying, you’ll have 2 types of insurance: travel accident insurance and trip cancellation and interruption insurance. Both types are in effect for trips for which you paid at least a portion of the cost with your Chase Sapphire Preferred card. Let’s look at each benefit.

Travel accident insurance applies to you and your immediate family members if one of you becomes permanently injured or dies while traveling. The cardholder benefit guide lists specific dollar amounts that you can be paid for specific injury types. The coverage is further divided into 2 categories: traveling on a common carrier and 24-hour coverage .

Coverage related to a common carrier covers both injuries and death resulting from your travel on a licensed air, land, or sea transport that regularly carries paying passengers . Think planes and ferries, for example. You’ll also be covered while at an airport, terminal, or station immediately before or after a trip, including courtesy transport to or from these places if provided as part of your trip. If your flight booking includes the airline picking you up from the hotel, this could be covered if all other conditions are met.

The 24-hour coverage applies around the clock and is valid on trips of up to 30 days. If you take a trip longer than this, coverage will end 1 minute after midnight on the 31st day, though it would come back into effect when you are in transportation to the airport for your flight home. If you drive yourself to the airport, coverage should resume once you are inside the airport .

This benefit reimburses you for the money you lose when a trip paid for (in whole or part) with your card is interrupted or canceled. Trip interruption is when you’ve started the trip and must end it early for a covered reason; trip cancellation applies to canceling a trip before it begins. The maximum benefit payout here is $10,000 per person and up to $20,000 per trip. Both the cardholder and immediate family members are covered.

Trip cancellation coverage begins when you make your first deposit toward the trip and ends when you depart on your scheduled departure date. Trip interruption starts on your scheduled departure date and ends on your scheduled return date. However, if these dates or times are adjusted for reasons beyond your or the carrier’s control, the benefit will adjust automatically .

What expenses are reimbursable? They include nonrefundable, prepaid travel expenses by a licensed supplier, such as a travel agency, hotel, shore excursion agency, etc. When canceling for a covered reason, you’re also covered for redeposit fees to get your airline miles back. Unfortunately, this benefit doesn’t cover lost money you paid for tickets to shows or theme parks, tee times at golf courses, museums, or other entrance fees unless they’re part of a tour package.

You’ll be covered for a few more situations with trip interruption coverage only . These include fees for returning a rental car early or to the nearest facility and up to $250 of expenses to transport you for necessary medical treatment. However, that doesn’t include medical transport (such as ambulances or medevac).

What if you paid with Chase Ultimate Rewards points and are due a refund under these benefits? You’ll be reimbursed according to the value on your travel supplier’s confirmation receipt, assuming that’s listed. If there’s no trip value listed on the receipt after you paid with points, you’ll be reimbursed at a value of 1 cent per point.

Covered Reasons

Not every reason for canceling a trip or ending it early is covered under these benefits. Covered reasons include accidental death or injury, a sickness requiring hospitalization, severe weather, a named storm warning, a change in military orders, a subpoena or call to jury duty, your home being burglarized or becoming uninhabitable, your hotel becoming uninhabitable, a public transportation strike that makes you miss 20% of a trip or a scheduled tour departure, and more. Consult the Chase Sapphire Preferred card benefits guide to see if your specific cancellation or interruption reason is covered.

Trip cancellation insurance doesn’t cover everything. For example, changing your mind about a trip is not covered. If your plans are subject to change, you may want to purchase Cancel for Any Reason (CFAR) travel insurance .

This part is a bit confusing, but yes. Chase’s benefits guide for the Chase Sapphire Preferred card states explicitly that cruise lines aren’t included in the definition of a “common carrier.” However, cruise lines are included in the definition of a “travel supplier.”

Why does this matter? Many of the trip cancellation and trip interruption benefits only apply to travel with a common carrier, which doesn’t include cruise lines. However, some benefits do apply to cruises . These include stolen luggage benefits or even canceling a trip if delays mean you’ll miss at least 20% of the trip or that you’ll miss the departure of your cruise ship.

The travel accident and injury benefits also apply while you’re cruising, but it’s worth noting that returning late to your cruise ship, only to find it’s left for the next island without you, isn’t a covered expense. You’ll be on your own for the costs of catching up to your ship.

There are 2 types of baggage protection here: coverage for delayed bags and coverage for lost, stolen, or damaged luggage. Baggage delay insurance covers up to $100 per day for up to 5 days when your bags are delayed by at least 6 hours, covering each additional 24 hours past that until the maximum of 5 days is reached. This benefit applies to you and your immediate family members when you pay for at least part of your trip with your Chase Sapphire Preferred card. You don’t need to be traveling with your immediate family members for them to be covered , as long as at least part of their trip was paid for with your card, which can be a nice perk if you book travel for relatives.

Coverage begins on the scheduled departure date and ends on the scheduled return date, though coverage adjusts automatically if there are changes outside your or the travel provider’s control. There’s also a list of non-covered items, such as medical devices, losses due to war/conflict, electronics, and cash equivalents. In case of baggage delay, you must report it to the travel provid er as soon as possible and keep receipts for necessary expenses you incur ; you’ll submit these for reimbursement afterward.

Lost luggage reimbursement is different; it covers lost, stolen, or damaged luggage during your trip. Both checked and carry-on bags are covered up to a maximum of $3,000 per person per trip. However, there’s a limit of $500 for jewelry, watches, and electronics.

There are some specifics to understand about this coverage, however. First, it doesn’t cover items you leave behind by accident . Second, coverage applies to you and immediate family members (even if you aren’t traveling with them) so long as you paid for at least part of the trip with your Chase Sapphire Preferred card. Coverage is available from the scheduled start to the scheduled end of your trip, but it is automatically adjusted if there are uncontrollable delays to either date.

Coverage applies to common carriers and cruise lines, and you must report the loss, theft, or damage within the timeframe specified by your travel provider. Then, the coverage on your Chase Sapphire Preferred card will cover any difference in the value of your monetary loss (after depreciation of the items) and the payment you receive from the travel provider . Thus, this is secondary coverage. It’s worth noting that documents, furs, tickets, and cash-like items aren’t covered.

Accidents can happen on any trip, from accidentally slipping on the wet deck of a cruise ship to spending nights in a hospital at a far-flung destination. Does your health insurance at home cover you when you head to Florida? What about South America? These are questions worth asking. If your medical coverage won’t be in effect, it’s worth considering medical travel insurance .

The Chase Sapphire Preferred card includes travel accident insurance for you and your immediate family members . It’s in effect if you pay at least part of the airfare for your trip with this card. You’ll receive varying maximum payouts depending on the type of injury (or death) encountered during your trip, and the maximum limit also depends on whether the accident occurs while traveling on a common carrier or at some other point during your trip . The 24-hour benefit provides maximum coverage of $100,000, increasing to $500,000 when traveling on a common carrier.

But how does this work in practice?

If more than 1 person is injured , the benefits administrator will pay no more than 2 times the maximum limit for each type of injury. That sum will be divided among all covered persons eligible for benefits payments.

In case of death , the benefits administrator will give the money to your named beneficiary. If you haven’t named a beneficiary, the order of preference goes from a spouse or domestic partner to children, then parents, siblings, and finally, your estate. If you go missing and haven’t been found after a year, then this will trigger the “loss of life” benefit.

Coverage begins either when you reach the airport, station, or terminal for travel on a common carrier or when you enter courtesy transportation provided to take you to the point at which your trip begins, such as a train station or airport. If you didn’t buy your tickets in advance but are purchasing them when you arrive at the station, coverage begins once you make the payment for travel. Coverage ends after you leave the transportation vessel or exit the courtesy transportation provided afterward.

The 24-hour coverage functions a bit differently. It’s in effect around the clock for up to 30 days, starting from your scheduled departure for air travel. If your trip is longer than 30 days, coverage will pause 1 minute after midnight on the 31st day and resume when you reach the airport for a flight home or are in courtesy transportation to the airport for the flight home.

Obviously, there are exclusions. You aren’t covered if you’re a pilot or crew member on a flight, you get injured while committing a crime, you get injured while skydiving, your injury is self-inflicted, or you’re injured in a war.

Lastly, you may wonder how COVID-19 factors in . The benefits guide says this under covered losses: “Quarantine of you or your traveling companion imposed by a physician or a competent governmental authority having jurisdiction, due to health reasons.”

Thus, your illness could be covered if a doctor or government requires quarantine related to COVID-19. COVID-19 is generally covered under most travel insurance policies in the same way sicknesses are covered. However, not traveling to avoid COVID-19 risks isn’t covered. As the benefits guide says, “Your disinclination to travel, a country closing its borders, or a travel supplier canceling or changing travel arrangements due to an epidemic or pandemic.”

Hotels aren’t treated separately under the Chase Sapphire Preferred card travel insurance terms. If you must cancel or interrupt a trip for a covered reason, then your hotel cancellation fees can be covered. This would include situations like forfeiting a first night’s room cost for canceling your hotel booking at the last minute, assuming you couldn’t arrive for a covered reason, such as a travel delay or a last-minute injury that made you unable to travel.

While you won’t find the word “Airbnb” or even “vacation home” in the benefits guide, you will find a description that covers these types of rentals :

“Provider of Lodging – a hotel, inn, motel, bed and breakfast, or hostel; a Provider of Lodging includes non–commercial time shares, condominiums, or rentals of a private residence; such rental shall require a written contract between You and the property owner or management company, executed in advance of the commencement of the rental period …” Chase Sapphire Preferred card benefits guide.

So long as you’ve reserved your rental in advance and have a written contract — which Airbnb provides at the time of booking, courtesy of your confirmation details — your vacation home rental should count as a type of lodging. The contract must state the cancellation provisions, must not include a rental of more than 60 days, and your booking must be made directly with a licensed website or agent — not with the homeowner directly (unless that person is a licensed agent).

Airbnb is a covered lodging type, meaning your booking should qualify for trip interruption, trip cancellation, and trip delay coverage .

In short, yes. However, there are some exclusions. Since your personal auto insurance policy may not cover you abroad, it’s great to know that paying with your Chase Sapphire Preferred card and declining the rental company’s collision damage waiver can provide protection on your next rental .

You can be covered up to the actual cash value of most rental cars against theft or collision damage. Coverage can include administrative fees, loss-of-use charges, and even towing charges. Coverage applies to rentals up to 31 days and covers you plus any additional drivers listed on the rental contract .

You’ll need to use your card (or your points) to pay for the entire cost of the rental , and most vehicle types are covered by this primary insurance. However, coverage doesn’t apply to exotic or antique cars, high-value vehicles, cargo vehicles, motorcycles, RVs, or vans with seating for more than 9 people (including the driver). Note that Teslas qualify as high-value vehicles, so these aren’t covered .

The benefits guide doesn’t spell out any specific excluded countries . However, Visa typically excludes coverage in Israel, Jamaica, and Northern Ireland, plus you may not be able to use your card to pay for a rental (and thus coverage won’t be in effect) with U.S. Treasury Department monetary embargoes . These destinations include places where your credit cards won’t work, such as Cuba, Sudan, Syria, and North Korea.

Unfortunately, no. Because Turo and Zipcar rentals aren’t considered rentals from a rental car agency, most credit card rental car insurance doesn’t cover them .

To file a claim, you should first gather all of the documents related to your claim . These can include receipts, accident reports, police reports, photos, hospital records, or anything else pertinent to the type of claim you’re making.

Next, you can call the benefits administrator at 866-390-9735 or visit eclaimsline.com to submit online . Different claims have different required timelines. For example, auto claims must be filed within 100 days of the incident. However, you need to file within 90 days for baggage delays or losses, but you’re supposed to contact the benefits administrator within 20 days of these incidents to at least provide notice, even though you have 90 days to finish submitting the claim.

This question will be subjective, and different people will arrive at different conclusions. Travel insurance can be useful for the unexpected, but no 2 trips are equal. The best way to decide whether you need additional insurance beyond what the Chase Sapphire Preferred card offers is to look at what it doesn’t cover.

Will you be skydiving? Do you have significant trip expenses related to Turo rentals or short connections that could cause domino effects if you miss a departure time? Are you renting an RV or going camping — types of travel not covered by the Chase Sapphire Preferred card?

If you have prepaid, nonrefundable expenses that wouldn’t be reimbursed by your credit card’s travel insurance in the event of delays or cancellations, getting a travel insurance policy that covers these could be a good idea and could provide peace of mind. That said, not every travel activity is covered by every travel insurance policy, so you want to make sure you choose a policy that covers your expenses for your particular trip .

If you look at your trip and decide that your flights, hotel plans, and simple plan of just relaxing at the beach will be covered by the Chase Sapphire Preferred card, then purchasing an extra policy probably isn’t necessary.

The Chase Sapphire Preferred card offers numerous protections for purchases and trips. Insurance terms can feel confusing, but hopefully, the explanations of these policies should clarify what is and isn’t covered, as well as policy limits, in a way that helps you know whether the coverages are sufficient for your upcoming travels.

Want to learn more about what else this card offers beyond travel insurance? Consult our full Chase Sapphire Preferred card review .

Frequently Asked Questions

Does the chase sapphire preferred card have trip insurance.

Yes, it has several types of travel protections. Cardholders get rental car insurance, baggage delay insurance, lost and damaged luggage reimbursement, travel accident insurance, trip cancellation and interruption insurance, and trip delay reimbursement.

How to file a claim with the Chase Sapphire Preferred card travel insurance?

You can call the benefits administrator at 866-390-9735 or visit eclaimsline.com to submit online. Each claim type has different required documents and a different required submission timeline, so check your benefits guide for your specific claim type.

Does the Chase Sapphire Preferred card reimburse for travel cancellation?

Yes, you can be reimbursed for monetary losses of up to $10,000 per person and up to $20,000 per trip if you cancel for a covered reason. You’ll need to pay for at least part of your trip with your Chase Sapphire Preferred card, and the cancellation must be for a covered reason, such as death, injury, or being called to active military duty.

What insurance does Chase Sapphire Preferred card cover?

The Chase Sapphire Preferred card has several types of travel protections. Cardholders get rental car insurance, baggage delay insurance, lost and damaged luggage reimbursement, travel accident insurance, trip cancellation and interruption insurance, and trip delay reimbursement. Cardholders also get shopping insurance benefits, such as purchase protection and extended warranty protection, plus other benefits like roadside dispatch and travel and emergency assistance services (though these are pay-per-use benefits).

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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The Guide to Chase Rental Car Insurance for Travelers

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

1. What does Chase rental insurance cover?

2. which chase cards include rental car insurance, 3. chase rental car coverage, 4. what is not covered, 5. who is covered, 6. how to file a claim for chase rental insurance, final thoughts on chase credit card rental car insurance.

Having good rental car insurance can be beneficial when taking a trip where you'll be driving a quite a bit. For Chase credit cardholders, Chase rental car insurance is a valuable perk to have.

If you have an eligible Chase credit card, this coverage may help you financially if your rental car is damaged due to a collision or theft on your next trip. After all, unexpected situations can arise during any adventure.

Learning what's included with Chase car rental insurance coverage before your trip begins is an excellent way to prepare. Let's take a look at how this rental car insurance works.

Chase car rental insurance, also called auto rental protection or an auto rental collision damage waiver, is a benefit included with many Chase credit cards.

To put the benefit to use, you'll need to decline the rental car company's collision insurance and charge the entire rental cost to your eligible Chase credit card. You will qualify for coverage only if you do both.

With this coverage, eligible cardholders can get reimbursement for damage due to collision or theft for rental vehicles traveling within the United States and many other countries.

Some credit cards provide primary coverage, while others offer secondary coverage.

For Chase cards with secondary coverage, the following rules apply:

When traveling within your country of residence, Chase car rental insurance is secondary. That means that your regular auto insurance is the primary insurance and your credit card insurance benefits supplement that coverage.

If you're traveling outside of your country of residence, you don't have to claim benefits from other insurance before receiving coverage under this benefit.

Several Chase credit cards include rental car insurance coverage as a perk. Are you wondering, does the Chase Sapphire Preferred® Card cover rental car insurance? The answer is yes, as do other cards.

The following Chase credit cards offer primary rental car insurance:

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

United Club℠ Infinite Card .

United Quest℠ Card .

United℠ Explorer Card .

The following Chase credit cards offer secondary rental car insurance:

Aeroplan® Credit Card .

Chase Freedom Flex℠ .

Chase Freedom Unlimited® .

Chase Slate Edge℠ .

IHG One Rewards Premier Credit Card .

United Gateway℠ Card .

If you have one of the above credit cards or plan to get one soon, look into the details of your coverage before planning your next trip where you will be renting a car.

» Learn more: The best travel credit cards right now

Here is what is covered by Chase car rental insurance:

Physical damage or theft of a covered rental car.

Reasonable and standard towing charges related to a covered loss to deliver the vehicle to the nearest repair facility.

Valid loss-of-use charges incurred by the rental car company.

In most cases, coverage limits are up to the actual cash value of the rental car.

One exception is the Chase Sapphire Reserve® which covers up to $75,000 in eligible expenses.

It's also worth noting that the rental period should be, at most, 31 consecutive days. Otherwise, you won't be eligible for coverage.

» Learn more: The guide to Chase Sapphire Reserve® car rental insurance

There are many exclusions outlined for Chase car rental insurance that aren't covered, such as:

Loss or theft of personal belongings.

Exotic and antique vehicles.

Lease and mini-leases.

The injury of anyone or anything inside or outside the car.

This list of examples is not exhaustive, so review your benefits guide for more information.

» Learn more: A guide to temporary car insurance

The cardholder is covered. Their name must be on the card and they must also be listed as the primary renter. Additional drivers, permitted by the rental agreement, are also covered.

Are you ready to put your Chase car rental insurance benefits to use? Here’s how to file a claim:

You should contact the benefits administration immediately after there is an incident. If damage or theft has occurred, you must notify the benefits administrator of such within 60 days.

You'll need to request the following from the rental car company:

A copy of the accident report.

A copy of the initial and final auto rental agreements (include both sides of the document).

A copy of the repair estimate and an itemized repair bill.

Two photographs showing the damage to the rental vehicle, if available.

A copy of the police report, if available.

A copy of the demand letter which indicates the costs you're responsible for and any amounts already paid toward the claim.

A copy of your credit card account statement (with the last four digits of your account number visible) showing the entire rental car transaction.

You'll be sent a claim form or you can complete one at www.eclaimsline.com .

You must complete a claim form within 100 days of the theft or damage. Additionally, you should submit all required supporting documentation within 365 days of the theft or damage.

Having Chase rental car insurance can be beneficial when traveling with a rental car. This coverage could help you waste less money on unexpected travel expenses due to damage to your rental car caused by theft or a collision. You can get reimbursement for eligible costs if you have a qualifying claim.

Make sure you charge the entire cost of your car rental to your eligible Chase card and decline the rental company's collision damage waiver.

The information related to United Club℠ Infinite Card , United Quest℠ Card , United℠ Explorer Card , and United Gateway℠ Card credit cards has been collected by NerdWallet and has not been reviewed or provided by the issuer of these cards.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Unlimited mileage rate

Car rental rate that covers all costs, other than insurance and petrol, for the duration of the rental, regardless of the distance driven.

Travel smart. Achieve more.

Get solutions for business travel that help you save time, money and stress.

• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

• Main content

RV insurance for the open road

Members save 5% on coverage for most RVs through our alliance with Progressive.‍ ‍ See note 1

What's RV insurance?

RV insurance is a lot like car insurance. Most states require a minimum amount of liability protection for motorhomes. For campers and travel trailers that you're pulling behind a car, liability extends from the auto policy of the towing vehicle.

If you're financing the RV, some lenders may require you to have comprehensive and collision coverage.

Whether your RV is your primary residence or just for recreational use, you can customize a policy to fit your needs.

Insurance for travel trailers

If you get comprehensive or collision coverage, you also get vacation liability coverage with travel trailer insurance. This helps protect you if your property’s damaged or if someone gets hurt in or around your trailer.

If your trailer is less than one year old, consider adding total loss protection. You can also add personal effects coverage to help protect the stuff you keep inside your travel trailer.

Ways to cover your motorhome

RV insurance may cover damages and injuries if you cause an accident. You may also be able to add coverage to pay medical, hotel, transportation and windshield repair costs.

Plus, get up to $99,000 in coverage for personal property in your motorhome. We cover luxurious Class A models, Class B campervans and Class C mini-motorhomes.

Insuring a pop-up camper

On top of comprehensive, collision and vacation liability coverage, you can also insure personal property inside your camper.

Add total loss replacement to campers less than one year old to replace your pop-up with the same model or later if it’s totaled.

Coverage for slide-on campers

We offer standard coverage options like comprehensive, collision and vacation liability. You can also get total loss replacement coverage and personal property insurance.

Because you load these types of RVs onto the bed of a truck, we also provide roadside assistance for your slide-on camper and the vehicle towing it.

Insurance for fifth-wheel trailers

You can get comprehensive, collision, roadside assistance and vacation liability coverage.

If your fifth wheel is less than six-years old, consider adding Roof Protection Plus®. This helps repair or replace your roof if it malfunctions from wear and tear, or it damages other parts of your fifth-wheel trailer.

Why get a policy through the USAA Insurance Agency?

Our agency has long-standing relationships with many insurance providers. We monitor those alliances to make sure they meet our standards of customer service and financial stability.

We've worked closely with Progressive for more than 30 years. You can get help from specially trained representatives who'll serve you at the level you expect by calling 800-809-1925 .

How much is RV insurance?

You could pay less than $125 a year to insure a pop-up camper. Or choose a higher yearly payment to cover more expensive motorhomes.‍ ‍ See note 2

How to save on your premium

USAA members get a 5% discount on coverage for most RVs.‍ ‍ See note 1 Here are some other ways to lower your cost.‍ ‍ See note 3

Responsible Driver Discount

If none of the drivers on your policy have accidents or tickets for three years, you could save on your policy.

Paid In Full Discount

In some states, you can get a discount when you pay your 12-month premium all at once.

EFT Discount

Save when you set up automatic payments from your bank account, also known as electronic funds transfers, or EFT.

RV insurance FAQ

Comprehensive coverage can help pay for water damage repairs resulting from weather-related incidents.

Recreational coverage can help protect your RV inside and out while on the road or at a campsite. You may want to consider it if you use your RV part time.

Full-timer's offers broader coverage to help protect those who live in their RV most of the year. It includes personal liability, medical payments and storage shed coverage. It also has loss assessment coverage, which can cover RV association fees to help pay for damages to shared areas.

Both options let you add vacation liability protection. This helps cover bodily injury and property damage costs while you're on vacation in your RV.

It may provide liability coverage for travel trailers and campers, as long as your vehicle is towing them.

Your auto insurance usually won't pay to repair or replace your RV.

It depends. If you're renting an RV, your cost and coverage will depend on the rental location and the type of RV.

It usually won't cover:

• RVs with more than four wheels.
• Drivers not listed on your policy.
• Rentals longer than 30 days.
• The full value of the RV.
• Certain damage to the RV while it's parked.

Explore new places with RV insurance.

Have more questions.

Use our alliance with Progressive to help you get the coverage that fits your needs.

Call Progressive.

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