Pro-tip
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.
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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.
If the Amex benefit administrator approves your claim, you’ll receive payment within 90 days after you submit the required information.
Amex car rental insurance covers you for 30 consecutive days after you enter into a rental agreement.
There are several instances in which Amex car rental insurance might not apply. These include, but aren’t limited to:
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.
You’re eligible for American Express car rental insurance if you:
Here are the credit cards from American Express that offer this feature.
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.
With the removal of these offers, you’ll want to rethink your card picks.
There are three ways to activate your American Express card.
American Express has one of the best concierge services, but not all cards offer this perk.
Use your Amex card to get cash from your line of credit.
Eligible students can apply for any Amex credit card.
Build your credit by being an authorized user on someone else’s credit card.
Access reserved seats only available to Amex cardholders.
Consider buying travel insurance directly from Amex instead.
A step-by-step guide on how to refer a friend through the American Express referral program to earn bonus Membership Rewards points.