American Express Auto Rental Insurance Reviews: What You Need to Know

Coverage Overview

American Express offers secondary rental car insurance for most of its credit cards. When you use the card to pay for the rental, the card's liability coverage typically applies after you decline the rental company's own insurance. The benefit covers collision, theft, and damage up to the vehicle's value, and includes liability protection for bodily injury and property damage.

How to Activate the Benefit

To use the protection, you must pay the full rental amount with the American Express card and decline the rental company's collision coverage. Some cards require you to activate the benefit in the account portal or call a dedicated number. Check the card's terms or the Amex member center for the activation steps before you travel.

Limitations and Exclusions

The insurance does not cover all vehicles. Exotic, luxury, or certain specialty cars may be excluded, and rentals in specific countries can be limited. Damage that exceeds the vehicle's value or loss of a spare tire are also not covered. Always review the card's policy language for exclusions.

State‑Specific Rules

In the United States, the benefit is considered a secondary coverage, meaning it kicks in only after any primary insurance (personal auto policy or primary rental coverage) has been exhausted. In other countries, some American Express cards may provide primary coverage, but this varies by country and card type.

Verifying Coverage Before You Drive

Before picking up a rental, call the rental agency's customer service line or check their website for a confirmation of the American Express insurance. Ask for the policy number and the exact coverage limits. Keep the rental agreement and any proof of the card's use, as you may need to submit a claim later.

Making a Claim

If damage occurs, file a claim with the rental company first, then submit the claim to American Express through their online portal or customer service. Provide all required documentation, including the rental agreement, police report if applicable, and repair estimates. The card's customer service can guide you through the process and confirm the claim status.

Is It Worth It?

For travelers who frequently rent cars, the American Express benefit can save money by eliminating the need to purchase the rental company's collision protection. However, the coverage is secondary and may not cover all scenarios. Consider your primary auto insurance, the rental location's laws, and the type of vehicle before deciding. If you are unsure, contact American Express directly to confirm the specifics for your card and travel plans.