What credit cards offer international rental car insurance?
When you rent a car in a foreign country, insurance coverage can be a major concern. Many credit cards offer international rental car insurance as a benefit to cardholders, providing coverage for damage or theft of rental vehicles. This can save you money and give you peace of mind while traveling abroad.
**1. What credit cards offer international rental car insurance?**
The following credit cards are known for offering international rental car insurance coverage: Chase Sapphire Preferred Card, Chase Sapphire Reserve, United Explorer Card, Citi Premier Card, and Barclaycard Arrival Plus World Elite Mastercard.
2. How does international rental car insurance work?
International rental car insurance typically covers damage to or theft of the rental vehicle, as well as liability coverage for damage to other vehicles or property. To be eligible for coverage, you must decline the rental agency’s insurance and pay for the rental with the credit card that offers the insurance.
3. Is there a fee for international rental car insurance on credit cards?
While some credit cards offer international rental car insurance as a complimentary benefit, others may charge a fee for this coverage. It’s important to check with your credit card issuer to understand any potential fees associated with using this benefit.
4. Does international rental car insurance cover all countries?
Not all countries may be covered by international rental car insurance offered by credit cards. It’s important to check the terms and conditions of your credit card’s insurance policy to see if the country you are traveling to is included in the coverage.
5. What is covered by international rental car insurance?
International rental car insurance typically covers damage to the rental vehicle, theft of the vehicle, and liability coverage for damage to other vehicles or property. Some policies may also include coverage for medical expenses or personal belongings.
6. Are there any exclusions to international rental car insurance coverage?
Exclusions to international rental car insurance coverage may include certain types of vehicles (such as luxury cars or exotic vehicles), off-road driving, or driving under the influence of drugs or alcohol. It’s important to review the terms and conditions of your credit card’s insurance policy to understand any exclusions.
7. How do I make a claim for international rental car insurance?
If you need to make a claim for international rental car insurance, you will typically need to contact your credit card issuer to file a claim. You may be required to provide documentation, such as a police report, rental agreement, and repair estimates.
8. Can I use international rental car insurance for business travel?
Some credit cards may offer international rental car insurance for business travel, but it’s important to review the terms and conditions of your credit card’s insurance policy to ensure coverage is available for business trips.
9. Is there a limit to the coverage provided by international rental car insurance?
The coverage limits for international rental car insurance vary depending on the credit card issuer and the specific card. It’s important to review the terms and conditions of your credit card’s insurance policy to understand the coverage limits.
10. Can I use international rental car insurance for long-term rentals?
Some credit cards may offer international rental car insurance for long-term rentals, but it’s important to review the terms and conditions of your credit card’s insurance policy to ensure coverage is available for extended rental periods.
11. Can international rental car insurance be used in conjunction with other insurance policies?
International rental car insurance offered by credit cards may be secondary to your personal auto insurance policy, which means it will only cover expenses that exceed the limits of your primary insurance. It’s important to review the terms and conditions of your credit card’s insurance policy to understand how it interacts with other insurance policies.
12. Can additional drivers be covered by international rental car insurance?
Some credit cards that offer international rental car insurance may provide coverage for additional drivers, but it’s important to review the terms and conditions of your credit card’s insurance policy to see if this coverage is included.