There are two types of Wells Fargo Propel travel insurance: travel accident insurance and travel inconvenience insurance for lost or damaged baggage. Each type of travel insurance is a free benefit, available to the cardholder, their spouse and their unmarried dependent children. In both cases, the cardholder must pay for the fare entirely with the Propel card in order to be eligible.
Wells Fargo Propel travel accident insurance offers up to $150,000 per trip in reimbursement for death or disfigurement caused by a common carrier. A common carrier is a travel provider such as an airline, train, cruise ship, etc. The travel insurance only covers injury and death while you are traveling, not during other times on your trip. There are some exclusions, too, such as emotional trauma, self-inflicted injuries, disease and more.
The Propel card’s baggage insurance offers up to $1,000 per person, per trip when your bags are lost or stolen while you’re traveling on a common carrier. But no more than $250 of this reimbursement can be for jewelry or fur. In addition, some other items are excluded, including perishables, cameras, money, art, electronics and more.
The Wells Fargo Propel card also provides rental car insurance, but this is not traditionally considered to be “travel insurance.” The rental car insurance coverage will reimburse you up to $50,000 if a car you rent with the Propel card in the U.S. or Canada is damaged or stolen.
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