Wells Fargo credit card travel insurance is a benefit that pays up to $150,000 (and up to $1,000,000, in the case of Wells Fargo Visa Signature® Card) for any covered loss related to an accident involving a licensed Common Carrier. This is defined 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 (or the Guide to Benefits for Wells Fargo Visa Signature® Card) for the complete list of covered and non-covered incidents.
How to claim: To file a claim, contact the Claim Administrator at (855) 830-3722 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 792190, San Antonio, TX 78279. 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. And Wells Fargo Visa Signature® Card also provides 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.
Yes, the Wells Fargo Platinum card does have travel insurance benefits, the best of which are travel accident insurance and rental car insurance. To be eligible to file a travel insurance claim, you’ll need to pay for your travel using your Wells Fargo Platinum credit card.
Some of the best Wells Fargo credit card benefits include travel accident insurance, baggage insurance, rental car insurance, cell phone protection and extended warranties 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 all cards, but coverage amounts vary.
Baggage insurance: Covers baggage lost or damaged by a travel provider on a trip paid for with a Wells Fargo card. Available on all cards except the Wells Fargo Platinum card, and coverage amounts vary.
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 items you buy 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 all cards except Platinum, and coverage amounts vary.
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.
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. But 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).… read full answer
Here are the types of Visa credit card travel insurance:
Trip 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.
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.
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.
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.
So again, the best course of action is to check your card’s terms to find out what kind of coverage it has. And if you’re in the market for a new card, WalletHub’s editors have prepared a report on the cards with the best travel insurance to help you out.
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