Paddy Sullivan, WalletHub Credit Card Advisor
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Visa rental car insurance covers theft and physical damage to the vehicle due to collision, weather events, vandalism, and accidental fire, up to the cash value of the car. Towing charges, loss-of-use, and administrative fees are also covered by Visa.
Here’s how the Visa rental car insurance works:
- When it applies: It applies to rentals of up to 15 days within your country of residence or up to 31 days outside your country of residence.
- Eligibility: To be eligible for Visa rental car insurance, the rental must be in your name. You also have to decline any extra insurance offered by the rental agency, and you must pay for the entire rental on your Visa credit card.
- What is covered: Damaged or stolen rental vehicle due to collision, weather events, vandalism, and accidental fire, up to the cash value of the car. Towing charges, loss-of-use, and administrative fees are also covered by Visa.
- What is not covered: Trucks, antique cars, limousines, exotic or expensive vehicles, motorcycles, bikes, campers, golf carts, and vans that seat more than 8 people are not covered.
You can submit a Visa rental car insurance claim online or by calling the Benefit Administrator at (800) 348-8472. It’s important to note that not all Visa credit cards will have rental car insurance. Secondary benefits like this are up to the card issuer - not the card network - so make sure to review the benefits guide that came with your Visa card.
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