Katie is an Ohio native who caught the travel bug after spending a semester in college in Nottingham, England. Rental car loss and damage insurance that comes with the Amex Platinum card is secondary, meaning it … Hot Tip: For more information about Avis car rentals, check out our complete guide to the Avis Preferred Car Rental Program. Full Disclosure: We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. It will take about 45 days to receive a final decision regarding your claim, however, it could be up to 90 days for international rentals. 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Yes, since the Amex Platinum provides secondary insurance it will cover you if your personal policy does not. Are these different? Let AutoSlash Track Your Car Rental for Price Drops As always, it is important to document everything. Hi JJ W. According to the Amex site, your card does have car rental insurance. This write-up will clarify all of the distinct elite status rewards you ought to acquire with your American Express Platinum Card as well as the automobile rental insurance policy that the card … American Express Credit Card Rental Car Insurance. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. As a compulsive prestige renter, this isn’t always possible, however, it sure makes a huge difference after I step off a plane anywhere in the world. If I have claims for a number of accidents that occurred on separate occasions, will future attempts to cover CDW on my credit card be stopped? In addition, as an Amazon Associate we earn from qualifying purchases. The first thing you should know about the car rental loss and damage insurance offered by the Amex Platinum card is how to remain eligible. The AMEX Insurance is a bit misleading in the way the offer the coverage. So I rang them up and spent about 20 minutes on the phone. Use code CDP#211762 when enrolling in Hertz Gold Plus Rewards to ensure you receive your benefits. We take your comments very seriously as they really help us to improve the site. The only additional benefit you receive with National Executive status is earning points with Enterprise. Coverage up to $75,000 per claim is included for collision damage or theft. © 2021 Upgraded Points™, LLC. Thanks for reading! Hot Tip: See our complete guide to Hertz Gold Rewards for more information about the Hertz program. You will want to contact the claim administrator by calling the number on the back of your card before you travel. If you have any questions about your claim, call 1-800-338-1670. It will NOT be published. My spouse is a free additional driver because of my Hertz Five Star membership, the rate code I used, or because spouses are free by law in some locations. The Amex Platinum card offers many benefits, including car rental insurance and car rental privileges with Avis, Hertz, and National Car Rental. As for the car rental insurance, when you pay for the entire rental with the Amex Delta SkyMiles Platinum, “damage to or theft of most rental vehicles” is insured with the card, though this coverage is secondary to any other coverage you already have. If you prefer primary coverage (meaning you don’t have to file a claim with your other insurance first), take a look at the Chase Sapphire Preferred® Card. While Amex's rental car coverage is available in most cases, not all rentals are eligible. Hi Valerie. American Express has what they call the Car Rental Privileges program, which gets you status and even discounts with Avis, Hertz, and National. You can contact them at 1-800-338-1670. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers that are on the market. Here’s a snapshot of current bonuses for the Chase Sapphire Reserve and the Amex Platinum Card. If the link times out and is not available, you can log in to your account and see the terms and conditions for the coverage. We enjoy it tremendously when readers find our pieces useful. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. You do not need a primary carrier. If you believe you have a valid claim, you will need to submit supporting documents online. Here is the link. If your Card is not listed on this page or if you are an Additional Card Member, please call the number on the back of your Card to verify your benefits. Hot Tip: While the 10… If you have a question regarding your insurance policy or filing a claim, use the following contact information. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Bottom Line: The Amex Platinum Card offers secondary coverage, which means you need to submit a claim with your other insurance first before you can submit a claim through American Express. Deciding which category of car to rent? Why is this a useful insurance? The coverage offered is secondary, which means that it covers what your insurance provider does not cover. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site — and p. rior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. Please see our Advertiser Disclosure for more details! Select the Card below to read the full Policy for Car Rental Loss & Damage Insurance related to that Card. Welcome American Express® Card Members 5% off and a Complimentary One Car Class Upgrade. You can be covered for theft, loss and damage of your rental car with an MSRP of up to $85,000 for rentals of 48 days or less when you fully charge your rental to your Platinum Card. The optional Premium Car Rental Protection policy can be added to rentals made using an eligible Amex card for a small fee. Once you enroll in any of these programs, you will enjoy special benefits and perks. Car rental loss and damage insurance policies are underwritten by AMEX Assurance Company. Thanks for reading! When you have the Amex Premium rental car insurance option, it will be your primary policy. The Amex Platinum comes with rental car insurance, also known as collision damage waiver (CDW), that will cover you up to $75,000 for 30 consecutive days. The Platinum Card® from American Express is one of the premier credit cards on the market today. The policy says it does not cover cars rented in Italy. Get premium car rental insurance coverage without the premium price with up to $100,000 of insurance coverage from American Express Travel Related Services Company, Inc. for a low flat rate. Please note: There is updated information regarding COVID-19 and insurance coverage you may have on your Amex Card effective January 1, 2021. The coverage provided by the Amex Platinum card does not include any of the following: This coverage only applies to the first 30 days of a rental. For rates and fees of The Platinum Card® from American Express, click here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Subject to additional terms, conditions and exclusions. Hi Bradley. Is this in writing anywhere? All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Coverage doesn't apply to vehicles rented in Australia, Italy or … Normally you need to decline the CDW (LDW) for credit card coverage to take affect. What Else to Know About American Express Rental Car Insurance. Thanks for reading. Click here to see a list of advertisers that we work with. I don’t have car rental privileges at all on my Charles Schwab Platinum card. Yes, the Amex Platinum Card comes with car rental loss and damage insurance. Information in this Benefit Guide replaces any Car Rental Loss and Damage Insurance benefits document You may have received previously for Your Additional Card Benefits. For UP's rating and in-depth analysis, see our The Platinum Card® from American Express review. $550.00 per year, the worst point reward system, and secondary car rental insurance unless you want to pay extra money. The table below displays a snapshot of rewards cards on Canstar’s database that offer complimentary travel insurance that includes domestic rental car excess insurance.The display is sorted by Star Rating (highest to lowest) then provider name (alphabetically), and is … Click here or call 800-331-1212 to enroll in Avis. The policy states that Italy is excluded but we are not in a position to interpret the policy further. The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. Hi Pb. This card comes with primary car rental insurance and only a $95 annual fee. Image Credit: American Express. Thanks for your feedback. The Platinum card offers Secondary Insurance. They got the claim started and gave me a claim number. If you have other concerns or hesitations about what the coverage extends to I would recommend contacting American Express directly. This coverage is secondary, which means you will have to file a claim with any other applicable insurance first. Amex Platinum car rental insurance covers cardholders for up to $75,000 in collision damage and theft for vehicles rented with the Amex Platinum credit card or American Express rewards points. Before you submit your claim, you will need the following documents and information: You will need to file a police report noting the damage or theft before you can make a claim with American Express. When I’m renting through Avis for coverages I don’t see CDW. These perks are all included with the Amex Platinum card annual fee. Thanks for this article! If I am involved in a accident do I have to call my personal insurance to file a claim? Car rental privileges with Avis, Hertz, and National Car Rental, Terms Apply. Click here or call 800-525-3355 to enroll in Hertz Gold Rewards. This optional protection provides primary coverage which does not require you to file a claim with your insurance company first. I can’t find that statement you made about AMEX Platinum acting as Primary on rental cars in other countries. All American Express credit cards come with rental car insurance. As part of the benefits of holding the Amex Platinum Card, you will receive complimentary memberships with Avis, Hertz, and National Car Rental programs. College in Nottingham, England insurance the Amex Premium rental car insurance in Emerald Club didn ’ t to! 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