The Southwest Premier Card travel insurance benefit is made up of three types of coverage: travel accident insurance, lost luggage reimbursement, and baggage delay insurance. Southwest Premier also has rental car insurance, though that’s usually considered a separate type of benefit from travel insurance. All of these perks come free just for owning the card and paying the $99 annual fee.
Southwest Premier Card travel insurance includes:
Travel accident insurance. Provides up to $500,000 in reimbursement for death or dismemberment that occurs during travel on a common carrier (plane, train, bus, ship, etc.). Must pay for the trip with the Premier Card.
Lost luggage reimbursement. Pays up to $3,000 per trip for checked or carry-on bags that get damaged or stolen while you are traveling on a common carrier. Must pay for the tickets with the Premier Card.
Baggage delay insurance: Reimburses up to $100 per day for up to 3 days when baggage arrives more than 6 hours late to your destination. Must pay for the tickets with the Premier Card.
Rental car insurance: Provides coverage against damage or theft on cars rented with the Premier Card. It reimburses up to the actual cash value of most vehicles for rentals of up to 31 consecutive days. To qualify, you must turn down the rental agency’s own insurance policy.
Each type of Southwest Premier card travel insurance has its own rules for eligibility and filing claims, so make sure to read your benefits guide for the full details.
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