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Does Discover have car rental insurance?

The provider discontinued this benefit in 2018.

While some card providers still offer car rental insurance, Discover isn’t one of them. This follows a trend of card providers discontinuing travel benefits across many of their products.

Does Discover have car rental insurance?

Discover no longer offers car rental insurance with any of its cards. It discontinued the benefit on February 28, 2018, citing a lack of cardholder use. Previously, the benefit offered maximum reimbursement of $25,000 for up to 31 consecutive days or 45 consecutive days for employees of eligible businesses.

Do other providers offer car rental insurance?

If you’re looking for other card providers with car rental insurance, consider Chase, Capital One, American Express and Wells Fargo. Chase is a particularly good option because a few of its cards offer primary coverage in all instances.

What is primary coverage?

If you have primary car rental coverage with your credit card, it means you can make a claim with your card provider’s benefit administrator first in the event of a theft or accident. You don’t have to contact your personal insurer first, which would be the case if your card coverage was secondary.

Our pick for a card with car rental insurance

Chase Sapphire Preferred® Card

  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
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How to use credit card car rental insurance

  1. Before picking up your car rental, check your card’s guide to benefits for your benefit administrator’s contact information.
  2. Pay for your car rental with your credit card and decline the coverage from the rental company.
  3. If your car is damaged or stolen, call your benefit administrator, who will inquire about the incident and give you instructions.
  4. Send requested information to your benefit administrator within the specified time.
  5. Wait for a decision from your benefit administrator.

Bottom line

While Discover credit cards can be attractive no-annual-fee options, they don’t come with car rental insurance. Consider credit cards from other providers for this benefit.

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