The Hotels.com® Rewards Visa® Credit Card offers rental car insurance as a free benefit. Hotels.com Credit Card rental car insurance covers theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees and reasonable and customary towing charges. Cardholders are covered up to the actual cash value. To get the coverage, a cardholder must decline the rental agency’s insurance and pay for the rental entirely with a Hotels.com Credit Card.
Key Things to Know About Hotels.com Credit Card Rental Car Insurance
Coverage Amount. Up to the actual cash value.
File Claims for Domestic Rentals Through Primary Insurance First. The Hotels.com Credit Card rental car insurance benefit provides secondary coverage for domestic rentals up to 15 days, so you will need to file a claim through your primary insurance carrier first, if you have one.
Coverage Is Primary When Abroad. If you’re renting a vehicle outside of your home country, coverage under the Hotels.com Credit Card rental car insurance benefit is primary and lasts for up to 31 days.
Not All Vehicles Or Incidents Are Covered. The Hotels.com Credit Card rental car insurance benefit does not cover expensive, exotic, and antique cars; cargo vans; certain vans; vehicles with an open cargo bed, and others. Coverage also does not apply to certain incidents such as injury of anyone or damage to anything inside or outside the rental vehicle, loss or theft of personal belongings, personal liability, and more.
Wells Fargo Rental Car Insurance Claims. To file a Hotels.com Credit Card rental car insurance claim, call the Benefit Administrator at 1-866-804-4770 or visit the card’s benefits website to obtain a claim form. You will need to submit the claim form, along with any requested supporting documents – such as a copy of the accident report form, a copy of the initial and final auto rental agreements, copy of the repair estimate and itemized repair bill, and photographs of the damaged vehicle, among others – no later than 90 days after the incident. You should receive payment from the Benefits Administrator within 15 days after receipt of all documents and the validation of your claim.
To pay a Hotels.com Credit Card bill online, log in to your online account and click on “Transfer & Pay.” From there select “Pay WF Accounts.” Then, choose how much to pay, when to pay it, and where the payment is coming from. The issuer allows cardholders to set up automatic payments, too.… read full answer
Ways to Make a Hotels.com Credit Card Payment
Online:Log in to your online account and click on “Transfer & Pay.” From there select “Pay WF Accounts.”
Phone: Call (800) 642-4720 and enter your card information when prompted.
Mobile app: Log in to your account and select your card, then tap “Transfer & Pay.”
Mail: Send a check or money order (but not cash) to:
Wells Fargo Card Services
P.O. Box 51193
Los Angeles, CA 90051.
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
At a branch: You can make a payment at any Wells Fargo (the issuer) branch during normal business hours.
Yes, the Visa credit card travel insurance is pretty good. It covers all Visa credit card users for damage or theft of rental cars. Some cards also provide coverage for accidents while traveling, trip cancellation and lost luggage. Plus, Visa credit card travel insurance never costs extra. You just have to pay for your travel with your Visa card to be eligible for any coverage it might have.… read full answer
The exact amount of coverage you get, the claims procedures you have to follow, and other fine print depend on the bank or credit union that issues the card. It also makes a difference whether your card is a Visa Platinum, Visa Signature or Visa Infinite (least coverage to most coverage).
Types of Visa Credit Card Travel Insurance
Travel accident: Should you or dependents you’re travelling with die or get seriously disfigured due to the fault of a travel provider, this policy will reimburse you or your family. The amount of money you can get varies, but it could be as much as $500,000 with certain cards. But not all cards will have this benefit. Chase Sapphire Reserve® has the best coverage.
Trip cancellation/interruption/delay: If your trip has to be ended early or moved because of things out of your control (e.g. death, injury, severe weather, military orders and more), you can get compensated for the inconvenience. Coverage might be up to $2,000 per trip, but not every card will have it. The Chase Sapphire Preferred® Card has the best coverage.
Lost luggage: It’s hard to enjoy yourself on a trip if you don’t have any of your belongings. If your luggage gets lost or stolen, Visa may pay you for its value. You could get up to $3,000 per person per trip, but whether you have coverage depends on the card. Chase Sapphire Preferred has the best coverage.
Rental car: Every Visa card should have this, no matter who issues it. If you rent a car with your Visa card and that car gets damaged or stolen, you can be reimbursed. But certain types of cars aren’t eligible (like expensive cars, RVs, motorcycles, and more) and certain situations aren’t either (like drunk driving). You can receive up to the full value of the rental vehicle.
If you’re in the market for a new card, there are several good offers available. Just keep in mind that the best course of action is to check your card’s terms to find out what kind of coverage it has.
No, Wells Fargo doesn’t have a travel credit card at the moment. Right now, the few Wells Fargo credit cards that are more focused on travel are co-branded. The best among them is the Bilt Credit Card. This card gives you 2 rewards points per $1 spent on qualifying net travel purchases.
A good card to use for your travel expenses is the Wells Fargo Active Cash® Card. Although this isn’t a travel card, it gives 2% cash rewards. The card also has a $0 annual fee. But while this card is considered one of the best cash back credit cards on the market, it has a 3% foreign transaction fee.
If you’re not set on Wells Fargo as an issuer, it’s definitely worth taking a look at a selection of the best travel credit cards and picking one that best suits your travel needs.
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