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American Express car rental insurance: How does it work?

Get up to $85,000 in coverage.

Amex is a strong choice for car rental insurance since almost all of its cards come with the feature. This is a refreshing contrast to many other providers that offer the benefit only with select credit cards — or none at all.

Does American Express have car rental insurance?

American Express offers car rental theft and damage insurance with most of its available credit cards in Canada.

You’ll typically find $85,000 in maximum coverage toward the value of the rental vehicle.

It also covers some additional charges, including loss of use and appraisal fees. Policies from some other providers don’t cover loss of use, so it’s a nice inclusion with Amex’s policy.

How long does Amex car rental insurance cover me for?

Amex car rental insurance covers you for 48 days or less 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.

Is Amex car rental insurance primary or secondary?

Amex car rental insurance is secondary, which means you must make a claim with other sources of insurance available before claiming with Amex.

How to use American Express car rental insurance

  1. Before renting a vehicle, read your American Express car rental theft and damage insurance plan.
  2. Pay for your entire rental with a valid Amex payment method 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. Call the Amex benefit administrator at 1-800-200-8959.
  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.

Compare American Express credit cards

Not every Amex card comes with car rental insurance. Contact American Express to verify that this perk comes with your card.

1 - 17 of 17
Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
American Express Cobalt Card
30,000 points
Up to 5x points per $1 spent
20.99%
$155.88
Min. recommended credit score: 700
Earn up to 30,000 Membership Rewards points in your first year. Earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in net purchases on your card (up to 30,000 points).
American Express Green Card
10,000 points
1 point per $1 spent
20.99%
$0
Min. recommended credit score: 700
Earn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your card in the first 3 months as a new Cardmember.
SimplyCash Card from American Express
4% cash back
Up to 1.25% cash back
19.99%
$0
Min. recommended credit score: 700
Earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership.
American Express Aeroplan Card
50,000 points
Up to 2x points
30% annual interest rate applies to balances not paid in full each month
$120
Min. recommended credit score: 700
Earn up to 50,000 welcome bonus Aeroplan points. New Cardmembers can earn up to $1,100 in value within the first year.
SimplyCash Preferred Card from American Express
10% cash back
2% cash back
19.99%
$99
Min. recommended credit score: 700
Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership.
American Express Business Edge Card
57,000 points
Up to 3 points per $1 spent
19.99%
$99
Min. recommended credit score: 700
Earn up to 57,000 Membership Rewards points in your first year.
American Express AIR MILES Platinum Credit Card
2,000 Miles
Up to 1 Air Mile per $5 - $10 spent
20.99%
$120
Min. recommended credit score: 700
Earn a Welcome Bonus of 2,000 AIR MILES within the first three months. That’s enough to redeem for $200 towards your purchases with AIR MILES Cash.
American Express Aeroplan Reserve Card
85,000 points
Up to 3x points
19.99%
$599
Min. recommended credit score: 700
Earn up to 85,000 welcome bonus Aeroplan points. New Cardmembers can earn up to $2,700 in value within the first year.
American Express Aeroplan Business Reserve Card
85,000 points
Up to 3x points
16.99%
$599
Min. recommended credit score: 700
Earn up to 85,000 welcome bonus Aeroplan points. New cardholders can earn up to $2,700 or more in value within the first year.
Marriott Bonvoy American Express Card
50,000 points
Up to 5x points per $1 spent
19.99%
$120
Min. recommended credit score: 700
Earn 50,000 Welcome Bonus points after you charge $1,500 to your card in the first 3 months.
The Platinum Card from American Express
80,000 points
Up to 3x points per $1 spent
N/A
$699
Min. recommended credit score: 700
Earn up to 80,000 Membership Rewards points. Earn 60,000 Welcome Bonus points after you charge $6,000 to your card in the first 3 months. Plus, earn 20,000 points when you make a purchase between 14 and 17 months of Cardmembership.
American Express AIR MILES for Business Card
2,000 Miles
1 Mile for every $10 - $15 spent
N/A
$180
Min. recommended credit score: 700
Earn a Welcome Bonus of 2,000 AIR MILES when you spend at least $5,000 on eligible purchases within the first three months.
Business Platinum Card from American Express
80,000 points
1.25 points per $1 spent
19.99%
$499
Min. recommended credit score: 700
Earn a Welcome Bonus of 80,000 Membership Rewards points when you spend $6,000 within the first 3 months.
Marriott Bonvoy Business American Express Card
50,000 points
Up to 5 points per $1 spent
19.99%
$150
Min. recommended credit score: 700
Earn 50,000 Welcome Bonus points after you charge $1,500 to your card in the first 3 months.
American Express Business Gold Rewards Card
110,000 points
1 point per $1 spent
19.99%
$199
Min. recommended credit score: 700
Earn up to 110,000 Membership Rewards points. Earn a Welcome Bonus of 70,000 points after spending $5,000 in purchases within the first 3 months. Plus, earn 10,000 bonus points when you charge $20,000 in net purchases to your card each calendar quarter (that's a total of 40,000 points a year).
American Express AIR MILES Gold Business Card
150 Miles
1 Mile for every $15 - $20 spent
19.99%
$0
Min. recommended credit score: 700
Earn a Welcome Bonus of 150 AIR MILES when you spend at least $1,000 in eligible purchases within the first three months
American Express AIR MILES Reserve Credit Card
2,400 Miles
Up to 1 Mile per $10 spend
20.99%
$299
Min. recommended credit score: 700
Earn a welcome bonus of 2,400 AIR MILES Bonus Miles when you charge a total of $3,000 in purchases to your Card within your first 3 months of Cardmembership. That's enough for two select flights.
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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 Canada.
  • You’ve activated your car rental theft 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. This includes any deposits you must make when you collect the vehicle.

Bottom line

Amex is an excellent choice for car rental insurance, as most of its currently available cards offer the benefit. Before renting a car and relying on Amex insurance, check the car rental theft and damage insurance policy for any specific exclusions.

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