It depends on what country you're in (I remember Jamaica's usually not included, for instance). That being said, if the country you're going to is covered, the way to do it is pretty simple: you just pay for the rental service with the card and decline the insurance from the rental service itself. Once you do that, you'll get the standard issue collision damage waiver and theft insurance.
To get the USAA Cashback Rewards Plus rental car insurance, you need to pay for the rental with the card and decline the rental company insurance.
It includes carrying liability, comprehensive, or collision coverage while driving in the U.S.
Keep in mind that you are not covered by your USAA policy if you are operating the vehicle in an international location outside the U.S., Puerto Rico, Canada, Mexico or U.S. territories or possessions.
If you want to file a car rental claim, you can do it:
by phone at 800-338-1670 (1-216-617-2500 if international)
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