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Does Discover have car rental insurance?

The provider discontinued this benefit in 2018.

Updated

Fact checked

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

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2x points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
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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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