Joseph Bulebush, WalletHub Analyst
@joeybule
Yes, the Amex Gold card does have rental car insurance. The benefit provides reimbursement for damages resulting from collision or theft of a rental vehicle, up to $50,000 or the actual cash value of the vehicle, whichever is less. To be eligible for this coverage, the cardholder must decline the rental agency’s car rental insurance plan.
It covers eligible cardholders, their spouses, and any authorized drivers for rentals up to 30 consecutive days charged to the Amex Gold card.
Here’s how to file a claim:
To file an Amex Gold card car rental insurance claim, visit the Car Rental Claim website, or call (800) 338-1670 as soon as possible. Just bear in mind that Amex Gold card rental car insurance is secondary, which means you will first have to report the incident and file a claim with your primary car insurer before Amex Gold card’s coverage kicks in.
On that note, American Express does offer its own primary car rental insurance through its Premium Car Rental Protection program. You’re covered for up to 42 consecutive days when you enroll and pay a flat rate per rental vehicle.

American Express® Gold Card
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