{"id":128154,"date":"2025-06-23T00:15:28","date_gmt":"2025-06-23T00:15:28","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/does-costco-citi-cover-rental-car-insurance\/"},"modified":"2025-06-23T00:15:28","modified_gmt":"2025-06-23T00:15:28","slug":"does-costco-citi-cover-rental-car-insurance","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/does-costco-citi-cover-rental-car-insurance\/","title":{"rendered":"Does Costco Citi cover rental car insurance?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/does-costco-citi-cover-rental-car-insurance\/#Does_Costco_Citi_cover_rental_car_insurance\" title=\"Does Costco Citi cover rental car insurance?\">Does Costco Citi cover rental car insurance?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/does-costco-citi-cover-rental-car-insurance\/#What_are_the_details_of_rental_car_insurance_coverage_provided_by_Costco_Citi\" title=\"What are the details of rental car insurance coverage provided by Costco Citi?\">What are the details of rental car insurance coverage provided by Costco Citi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/does-costco-citi-cover-rental-car-insurance\/#Do_I_need_to_decline_the_rental_car_companys_insurance_for_Costco_Citi_coverage_to_apply\" title=\"Do I need to decline the rental car company&#8217;s insurance for Costco Citi coverage to apply?\">Do I need to decline the rental car company&#8217;s insurance for Costco Citi coverage to apply?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/does-costco-citi-cover-rental-car-insurance\/#Does_Costco_Citi_rental_car_insurance_cover_liability_insurance\" title=\"Does Costco Citi rental car insurance cover liability insurance?\">Does Costco Citi rental car insurance cover liability insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/does-costco-citi-cover-rental-car-insurance\/#Are_there_any_exclusions_to_the_Costco_Citi_rental_car_insurance_coverage\" title=\"Are there any exclusions to the Costco Citi rental car insurance coverage?\">Are there any exclusions to the Costco Citi rental car insurance coverage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/does-costco-citi-cover-rental-car-insurance\/#Is_there_a_limit_to_the_amount_of_coverage_provided_by_Costco_Citi_for_rental_car_insurance\" title=\"Is there a limit to the amount of coverage provided by Costco Citi for rental car insurance?\">Is there a limit to the amount of coverage provided by Costco Citi for rental car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/does-costco-citi-cover-rental-car-insurance\/#Can_I_use_my_Costco_Citi_credit_card_to_pay_for_the_rental_and_still_get_rental_car_insurance_coverage_if_I_am_not_the_primary_driver\" title=\"Can I use my Costco Citi credit card to pay for the rental and still get rental car insurance coverage if I am not the primary driver?\">Can I use my Costco Citi credit card to pay for the rental and still get rental car insurance coverage if I am not the primary driver?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/does-costco-citi-cover-rental-car-insurance\/#Do_I_need_to_notify_Costco_Citi_before_renting_a_car_to_activate_the_rental_car_insurance_coverage\" title=\"Do I need to notify Costco Citi before renting a car to activate the rental car insurance coverage?\">Do I need to notify Costco Citi before renting a car to activate the rental car insurance coverage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/does-costco-citi-cover-rental-car-insurance\/#Can_I_use_my_Costco_Citi_credit_card_to_rent_a_car_for_business_purposes_and_still_be_covered_by_the_rental_car_insurance\" title=\"Can I use my Costco Citi credit card to rent a car for business purposes and still be covered by the rental car insurance?\">Can I use my Costco Citi credit card to rent a car for business purposes and still be covered by the rental car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/does-costco-citi-cover-rental-car-insurance\/#What_should_I_do_if_I_need_to_file_a_claim_for_rental_car_insurance_coverage_through_Costco_Citi\" title=\"What should I do if I need to file a claim for rental car insurance coverage through Costco Citi?\">What should I do if I need to file a claim for rental car insurance coverage through Costco Citi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/does-costco-citi-cover-rental-car-insurance\/#Does_the_rental_car_insurance_coverage_provided_by_Costco_Citi_extend_to_rentals_outside_of_the_United_States\" title=\"Does the rental car insurance coverage provided by Costco Citi extend to rentals outside of the United States?\">Does the rental car insurance coverage provided by Costco Citi extend to rentals outside of the United States?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/does-costco-citi-cover-rental-car-insurance\/#Is_there_a_deductible_for_the_rental_car_insurance_coverage_provided_by_Costco_Citi\" title=\"Is there a deductible for the rental car insurance coverage provided by Costco Citi?\">Is there a deductible for the rental car insurance coverage provided by Costco Citi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/does-costco-citi-cover-rental-car-insurance\/#Can_I_use_my_Costco_Citi_credit_card_to_rent_a_car_through_a_third-party_booking_platform_and_still_be_covered_by_the_rental_car_insurance\" title=\"Can I use my Costco Citi credit card to rent a car through a third-party booking platform and still be covered by the rental car insurance?\">Can I use my Costco Citi credit card to rent a car through a third-party booking platform and still be covered by the rental car insurance?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Does_Costco_Citi_cover_rental_car_insurance\"><\/span>Does Costco Citi cover rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Costco Citi credit card offers excellent benefits and rewards to its members. One of the common questions among cardholders is whether Costco Citi covers rental car insurance. The answer to this question is yes, Costco Citi does offer rental car insurance coverage to its cardholders.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_details_of_rental_car_insurance_coverage_provided_by_Costco_Citi\"><\/span>What are the details of rental car insurance coverage provided by Costco Citi?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nCostco Citi provides coverage for physical damage and theft of most rental cars when you pay for the rental using your Costco Citi credit card. This coverage applies to rentals up to 31 consecutive days within your country of residence and up to 15 consecutive days outside of your country of residence.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_I_need_to_decline_the_rental_car_companys_insurance_for_Costco_Citi_coverage_to_apply\"><\/span>Do I need to decline the rental car company&#8217;s insurance for Costco Citi coverage to apply?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, in order for your Costco Citi rental car insurance to be in effect, you must decline the rental car company&#8217;s collision damage waiver (CDW) or loss damage waiver (LDW) coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_Costco_Citi_rental_car_insurance_cover_liability_insurance\"><\/span>Does Costco Citi rental car insurance cover liability insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, Costco Citi rental car insurance only covers physical damage and theft of the rental car. It does not provide liability insurance coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_there_any_exclusions_to_the_Costco_Citi_rental_car_insurance_coverage\"><\/span>Are there any exclusions to the Costco Citi rental car insurance coverage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, there are some exclusions to the rental car insurance coverage provided by Costco Citi. These exclusions may include certain types of vehicles, such as motorcycles, mopeds, and off-road vehicles, as well as certain countries where coverage may not apply.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_there_a_limit_to_the_amount_of_coverage_provided_by_Costco_Citi_for_rental_car_insurance\"><\/span>Is there a limit to the amount of coverage provided by Costco Citi for rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nCostco Citi provides coverage for up to $50,000 per claim, with a maximum of $75,000 per cardholder per calendar year.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_use_my_Costco_Citi_credit_card_to_pay_for_the_rental_and_still_get_rental_car_insurance_coverage_if_I_am_not_the_primary_driver\"><\/span>Can I use my Costco Citi credit card to pay for the rental and still get rental car insurance coverage if I am not the primary driver?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, as long as the rental is paid for using your Costco Citi credit card, rental car insurance coverage will apply even if you are not the primary driver.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_I_need_to_notify_Costco_Citi_before_renting_a_car_to_activate_the_rental_car_insurance_coverage\"><\/span>Do I need to notify Costco Citi before renting a car to activate the rental car insurance coverage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, you do not need to notify Costco Citi before renting a car to activate the rental car insurance coverage. Simply pay for the rental using your Costco Citi credit card and decline the rental car company&#8217;s insurance coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_use_my_Costco_Citi_credit_card_to_rent_a_car_for_business_purposes_and_still_be_covered_by_the_rental_car_insurance\"><\/span>Can I use my Costco Citi credit card to rent a car for business purposes and still be covered by the rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, as long as you pay for the rental using your Costco Citi credit card, you will be covered by the rental car insurance whether the rental is for personal or business purposes.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_should_I_do_if_I_need_to_file_a_claim_for_rental_car_insurance_coverage_through_Costco_Citi\"><\/span>What should I do if I need to file a claim for rental car insurance coverage through Costco Citi?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you need to file a claim for rental car insurance coverage through Costco Citi, you should contact the Benefit Administrator within 45 days of the incident. You will need to provide all necessary documentation to support your claim.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_the_rental_car_insurance_coverage_provided_by_Costco_Citi_extend_to_rentals_outside_of_the_United_States\"><\/span>Does the rental car insurance coverage provided by Costco Citi extend to rentals outside of the United States?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, Costco Citi rental car insurance coverage extends to rentals outside of the United States, as long as the rental is paid for using your Costco Citi credit card.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_there_a_deductible_for_the_rental_car_insurance_coverage_provided_by_Costco_Citi\"><\/span>Is there a deductible for the rental car insurance coverage provided by Costco Citi?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, there is no deductible for the rental car insurance coverage provided by Costco Citi. Cardholders are not responsible for any out-of-pocket expenses for covered claims.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_use_my_Costco_Citi_credit_card_to_rent_a_car_through_a_third-party_booking_platform_and_still_be_covered_by_the_rental_car_insurance\"><\/span>Can I use my Costco Citi credit card to rent a car through a third-party booking platform and still be covered by the rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, as long as you pay for the rental using your Costco Citi credit card, you will be covered by the rental car insurance even if you book the rental through a third-party platform like Expedia or Priceline.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Does Costco Citi cover rental car insurance? Costco Citi credit card offers excellent benefits and rewards to its members. One of the common questions among cardholders is whether Costco Citi covers rental car insurance. The answer to this question is yes, Costco Citi does offer rental car insurance coverage to its cardholders. What are the &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Does Costco Citi cover rental car insurance?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/does-costco-citi-cover-rental-car-insurance\/#more-128154\">Read more<span class=\"screen-reader-text\">Does Costco Citi cover rental car insurance?<\/span><\/a><\/p>\n","protected":false},"author":24,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-128154","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does Costco Citi cover rental car insurance?<\/title>\n<meta name=\"description\" content=\"Does Costco Citi cover rental car insurance? 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