How does the Hilton Honors Credit card rental car insurance work?

The Hilton Credit Card offers rental car insurance as a free benefit. Hilton Credit Card rental car insurance covers cardholders for up to $50,000 in damage and theft for vehicles you rent. To get the coverage, a you must decline the rental agency’s insurance and pay for the rental entirely with a Hilton Credit Card or Hilton Honors bonus points.

Key Things to Know About Hilton Credit Card Rental Car Insurance

• Coverage Amount. Up to $50,000.
• File Claims for Rentals Through Primary Insurance First. The Hilton Credit Card rental car insurance benefit provides secondary coverage for domestic rentals up to 30 days, so you will need to file a claim through your primary insurance carrier first, if you have one.
• Not All Vehicles Are Covered. The Hilton Credit Card rental car insurance benefit does not cover Cargo vans, vans that carry 9+ people, box trucks, trucks that weight 10k+ lbs., modified vehicles (except for handicapped accessibility), antiques, limos, off-road vehicles, motorcycles/motorbikes/mopeds, RVs, golf carts, and a few others.
• Not All Incidents Are Covered. Coverage also does not apply to certain incidents such as manufacturing defects, wear and tear, damage from illegal activities, accidents caused by driver’s intoxication, seizure by authorities, damage by war, and a few others.

Hilton Credit Card Rental Car Insurance Claims

To file a Hilton Credit Card rental car insurance claim, call the Benefit Administrator at (800) 338-1670 or visit the card’s Claim Center webpage to obtain a claim form. To collect from abroad, you can call (303) 273-6497.

Amex will then mail you instructions for what to do next. You’ll have 60 days to return any proof they request, which may include damage estimates, police reports, etc. You should receive payment from the Benefits Administrator within 30 days after receipt of all documents and the validation of your claim.