Wells Fargo credit card travel insurance is a benefit that pays a maximum amount between $150,000 to $1,000,000, depending on the card, for any covered loss related to an accident involving a licensed Common Carrier. It includes any motorized vehicle or mode of transportation that transports passengers for hire.
Here’s what you need to know about Wells Fargo credit card travel insurance:
How to get it: You must purchase the passenger fare with your Wells Fargo consumer credit card while the insurance is effective to be eligible. The benefit is effective the date you become a Wells Fargo credit cardholder.
Who is covered: The Wells Fargo travel insurance covers the cardholder, spouse, and dependent children. Any covered Loss must occur within one year after the accident in order to receive payment.
What is covered: accidental loss of life, speech, hearing, sight, and appendages, and more. Benefit payment ranges from 25% to 100%, depending on the severity of the loss.
What is not covered: emotional trauma, mental or physical illness, and illegal acts. Also not included are driving while intoxicated, being under the influence of narcotics, motorized vehicle racing, suicide or attempted suicides, and other incidents. Refer to your Guide to Benefits for the complete list of covered and non-covered incidents.
How to claim: To file a claim, contact the Claim Administrator at (866) 804-4770 within 20 days of any covered loss and request a claim form. Claims documents may also be submitted online or faxed to (855) 830-3728. Complete all items on the required claim form, attach all appropriate documents, and mail them to: Broadspire, a Crawford company, P.O. Box 459084, Sunrise, FL 33345 Reference policy # 9906-98-50.
You or your beneficiary should receive payment within 30 days after complete proof of loss is received, and all other terms of the policy have been completed.
While not traditionally thought of as travel insurance, Wells Fargo credit cards also offer car rental insurance as an additional travel perk. Some cards also provide trip cancellation protection and lost luggage reimbursement. There are several other issuers who offer extensive travel insurance benefits on some of their credit cards, so make sure to also check out the best credit cards with travel insurance on the market.
No, Wells Fargo Active Cash does not have travel insurance. While Wells Fargo Active Cash does have benefits such as roadside dispatch and Visa signature concierge services, travel insurance is not among the card's perks. This is because the Wells Fargo Active Cash is made for people who want good rewards on everyday spending.
Some of the best Wells Fargo credit card benefits include travel accident insurance, baggage insurance, rental car insurance, cell phone protection and extended warranty on purchases. Certain Wells Fargo credit cards provide additional perks like 0% intro APRs or rewards on purchases, too. However, benefits vary from card to card, so it’s important to look at an individual card’s benefits guide before applying.… read full answer
Here are the best Wells Fargo credit card benefits:
Cell phone protection: $600 per claim and $1,200 per 12-month period in insurance for damage to or theft of your cell phone, when you pay the bill with a Wells Fargo card. Available on some cards.
Travel accident insurance: Covers death or dismemberment caused by a travel provider when the trip was paid for with a Wells Fargo card. Available on most cards, and coverage amounts vary.
Baggage insurance: Covers baggage lost by a travel provider on a trip paid for with a Wells Fargo card. Only available on certain cards.
Rental car insurance: Reimburses you for damage to or theft of a car rented with a Wells Fargo credit card. Available on some cards.
Extended warranty: Adds an extra year to the warranties of three years or less, provided that you buy the eligible items with a Wells Fargo card. Available on some cards.
Purchase protection: Reimburses damage to or theft of items purchased with a Wells Fargo credit card. Available on some cards.
Roadside Dispatch: 24/7 hotline for services such as towing (up to five miles), tire changes, jump starts, fuel delivery, and lockout assistance (no key replacement). There is a $69.95 fee per service call. Standard on all Wells Fargo cards.
Travel Emergency Services: Provides referrals for medical and legal assistance, arranges for emergency transportation, and helps change travel reservations. Service is available 24 hours a day, 365 days a year. Cardholders are responsible for the cost of any goods or services provided. Available on most cards.
Trip cancellation/interruption insurance: This benefit covers your trip for unforeseen cancellations or for interruptions that cut your trip short. It only applies to pre-paid, non-refundable travel expenses. Available on some cards.
Price Protection: If the price of an eligible purchase drops within 60 days of purchase, you’ll get reimbursed for the difference.
Wells Fargo credit cards usually come with rewards, have $0 annual fees, $0 liability for fraudulent purchases, and several offer some kind of introductory 0% intro APR offer, too.
No, you don’t need to tell Wells Fargo about travel plans, but it’s definitely a good idea and what Wells Fargo recommends. Credit card companies may decline charges that come from another state or country, assuming the charges are fraudulent. But by notifying Wells Fargo of where you’ll be traveling and on what dates, you’ll prevent your card from being declined during your trip.… read full answer
To submit a Wells Fargo travel notice, you can either call the number on the back of your card to speak to a representative, or create a Travel Plan on Wells Fargo’s website. From there, simply enter the locations and dates of your trip(s). If you’re traveling to more than one destination, be sure to note all locations and dates. It’s also a good idea to let Wells Fargo know which credit cards you’ll be taking with you on the trip, if you have more than one you’ll be bringing. You can set as many Wells Fargo travel notifications as you want.
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