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Joined: Feb 2010
Posts: 192
Traveler
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OP
Traveler
Joined: Feb 2010
Posts: 192 |
Seems like the credit card companies continue to scale back on benefits to travelers. Today an email from Capital One:
Effective September 1, 2021, the following benefits are being discontinued:
• MasterRental® Coverage • Extended Warranty Coverage • Price Protection • Travel Assistance Services • Master RoadAssist® Service • $100,000 Worldwide Automatic Travel Accident Insurance This is the third card I've got that has rescinded all rental car coverage in the past few years.
Then you've got Amex's new "Premium Car Rental Protection" program which is essentially leading to making Car Rental Insurance a paid purchase as opposed to a no-cost card benefit.
Seems like the landscape is changing out there!
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Joined: Mar 2001
Posts: 17,808 Likes: 1
Traveler
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Traveler
Joined: Mar 2001
Posts: 17,808 Likes: 1 |
Yes, it has been happening. Discover dropped rental coverage some time ago. My Cap One VISA still offers rental car coverage but something tells me it will come to an end soon as well.
J.D.
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Joined: Mar 2009
Posts: 19,371 Likes: 4
Traveler
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Traveler
Joined: Mar 2009
Posts: 19,371 Likes: 4 |
Only my Visa and Mastercard Business cards still offer collision. My Aviator one still did last i checked last month.
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Joined: Aug 2000
Posts: 11,590
Traveler
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Traveler
Joined: Aug 2000
Posts: 11,590 |
All depends on the CC that you have. Have a CC for years that provides primary coverage worldwide at no charge. Annual fee is $95. But the coverage is what I want and for the fee, that is fine.
Had the card for years, just about deleted it, but then it went to Mastercard worldwide. Requires a pin, etc for all purchases even in the US.
The deal is "Primary Coverage".... that is not the same as secondary coverage. So even in the US it would never go against my personal insurance.
Eric
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Joined: Dec 2004
Posts: 5,113 Likes: 2
Traveler
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Traveler
Joined: Dec 2004
Posts: 5,113 Likes: 2 |
Sounds like the United World MasterCard. I always use it for car rentals because of the primary coverage.
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Joined: Feb 2010
Posts: 192
Traveler
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OP
Traveler
Joined: Feb 2010
Posts: 192 |
It's hard enough to convince people that their credit cards don't include Liability Insurance. I just wonder how many people simply believe in the same uninformed manner that their credit card covers "collision" because "everyone" says it does, when in fact, their card may have dropped it long ago.
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Joined: Nov 2006
Posts: 1,912
Traveler
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Traveler
Joined: Nov 2006
Posts: 1,912 |
I trust nobody in life, with the possible exception of my wife. I check credit cards before I use them for rentals. Every single time. If you don't check, then you don't know. I have a card which is still Primary, and I have the Amex $29/rental (I think) backup.
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Joined: Mar 2009
Posts: 19,371 Likes: 4
Traveler
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Traveler
Joined: Mar 2009
Posts: 19,371 Likes: 4 |
Yes. I called on all of mine before I left and found out which ones still did and which one one longer offer it. I had the ones that did email me confirmation that they covered it for my records.
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Joined: Feb 2010
Posts: 192
Traveler
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OP
Traveler
Joined: Feb 2010
Posts: 192 |
Bahston and Scubaman - I wonder what percentile you'd fall into on the "Traveler Diligence Scale"? 99%+, I'm sure!
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Joined: Apr 2003
Posts: 785 Likes: 2
Traveler
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Traveler
Joined: Apr 2003
Posts: 785 Likes: 2 |
I use a Visa CC from USAA. They still cover rental liability worldwide. Great company, great card.
Dolfer
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Joined: May 2008
Posts: 725 Likes: 3
Traveler
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Traveler
Joined: May 2008
Posts: 725 Likes: 3 |
Do they cover liability or just collision worldwide? I have their AMEX and it only covers collision here in SXM, altho' I use the COSTCO visa that offers collision and 3% back.
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Joined: Sep 2000
Posts: 4,746 Likes: 1
Traveler
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Traveler
Joined: Sep 2000
Posts: 4,746 Likes: 1 |
I use a Visa CC from USAA. They still cover rental liability worldwide. Great company, great card. You may want to double check that. Chase Sapphire Reserve still Has primary collision coverage, AMEX Platinum has secondary. We have worldwide liability through Chubb on our home policy. They were the only company we could Find that offered it. Thanks
Last edited by kim; 06/13/2021 08:15 AM.
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Joined: Mar 2009
Posts: 19,371 Likes: 4
Traveler
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Traveler
Joined: Mar 2009
Posts: 19,371 Likes: 4 |
I use a Visa CC from USAA. They still cover rental liability worldwide. Great company, great card. I think you might have collision and Liability mixed up.
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Joined: Oct 2013
Posts: 1,821 Likes: 2
Traveler
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Traveler
Joined: Oct 2013
Posts: 1,821 Likes: 2 |
USAA credit cards cover: Auto Rental Collision Damage Waiver
When you use your USAA credit card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You’re covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the collision damage waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract. Any additional drivers must also be listed on the auto rental agreement.
Be Happy! Simply because you deserve to be. 😁
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Joined: Apr 2001
Posts: 369
Traveler
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Traveler
Joined: Apr 2001
Posts: 369 |
I just checked and my Barclay's Jet Blue Master Card still does cover collision for rental cars. Plus no yearly fee for the card! Unfortunately we had to use it last March - used the card to pay the rental place but once all my paperwork for the damage was submitted, I was reimbursed 100% within a few days!!
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