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American Express car rental insurance: How does it work?

Get up to $50,000 to $75,000 in coverage.

American Express offers Car Rental Loss and Damage Insurance with all of its available credit cards. This insurance is secondary, which means you must make a claim with other sources of insurance available before claiming with Amex.

Depending on the card, you’ll typically find $50,000 to $75,000 in maximum coverage toward the value of the rental vehicle. Premium cards such as The Platinum Card® from American Express and Delta SkyMiles® Reserve American Express Card usually offer higher coverage.

How to use American Express car rental insurance

  1. Before renting a vehicle, read your American Express Car Rental Loss and Damage Insurance plan.
  2. Pay for your entire rental with a valid Amex payment method — this includes an Amex card, Membership Rewards points or Pay with Points — and decline the coverage from the car rental agency.
  3. In the event of a theft, accident or act of vandalism, immediately notify law enforcement of the incident.
  4. Within 30 days, call the Amex benefit administrator at 800-338-1670 — or 216-617-2500 if you’re overseas.
  5. If necessary, fill out and return the claim form, along with the requested supporting information, within 60 days. Required details may include — but aren’t limited to — an itemized repair bill, photos of vehicle damage, proof of your personal insurance and proof you paid for your rental with an eligible Amex payment method.

How long will it take to receive payment?

If the Amex benefit administrator approves your claim, you’ll receive payment within 90 days after you submit the required information.

How long does Amex car rental insurance cover me for?

Amex car rental insurance covers you for 30 consecutive days after you enter into a rental agreement.

What does Amex car rental insurance not cover?

There are several instances in which Amex car rental insurance might not apply. These include, but aren’t limited to:

  • Using the rental car in violation of the rental agreement.
  • Engaging in illegal activity and driving while intoxicated.
  • Driving certain types of vehicles, such as cargo vans, leased vehicles and limousines.
  • Intentional damage to the car, manufacturing defects, theft or damage as a result of your failure to secure the vehicle and more.


The Amex car rental insurance policy is quite uniform across the country, but it may vary depending on where you live. Check your Car Rental Loss and Damage Insurance Plan to see how the policy might change based on your state or territory.

Who gets to use American Express car rental insurance?

You’re eligible for American Express car rental insurance if you:

  • Are the primary cardholder or authorized user.
  • Signed the car rental agreement.
  • Have a permanent residence in the 50 United States of America, District of Columbia, Puerto Rico or the US Virgin Islands.
  • You’ve activated your Car Rental Loss and Damage Insurance.

How to activate Amex Car Rental Loss and Damage Insurance

Here’s how activated coverage is defined:

  • You decline the coverage from the rental car company or purchase a partial collision damage waiver.
  • You or an authorized driver is on the rental agreement, and the vehicle comes into your possession.
  • You pay for the entire rental with your Amex card, Membership Rewards points or Pay with Points. This includes any deposits you must make when you collect the vehicle.

Compare Amex credit cards with car rental insurance

Here are the credit cards from American Express that offer this feature.

1 - 3 of 8
Name Product Filter values Rewards Purchase APR Annual fee
American Express® Gold Card
Up to 4x points
20.24% to 27.24% variable APR for Pay Over Time Feature

Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.

Earn up to 4x points on select purchases and enjoy a bevy of travel perks with this upper-mid tier travel card. Terms apply, see rates & fees
The Platinum Card® from American Express
Up to 5x points
See Pay Over Time APR
80,000 points after spending $6,000 in your first 6 months. Terms apply, see rates & fees
Blue Cash Preferred® Card from American Express
Up to 6% cash back
0% intro for the first 12 months (then 18.24% to 28.24% variable)
$0 intro annual fee for the first year ($95 thereafter)
Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees

Compare up to 4 providers

Bottom line

Amex is an excellent choice for car rental insurance, as all of its currently available cards offer the benefit. Before renting a car and relying on Amex insurance, check the Car Rental Loss and Damage Insurance policy for any state- or territory-specific exclusions.

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