The information provided below is intended to provide general answers to questions you may have with your benefits.
Please Note: There are time frame requirements for when you must notify us of your loss and when documentation must be submitted to substantiate your claim. Failure to meet these requirements could result in the denial of your claim.
Please refer to the Guide to Benefits provided to you by your Issuing Bank for the specific Terms and Conditions which apply to the benefits on your Card.
Please refer to the Glossary of Terms for clarification of applicable benefit terms and examples of required claim documentation.
You should ask the rental company for these documents immediately at the time of theft or damage or when you return the vehicle to the company. Please click here to download a letter which can be shared with the rental car company to request some of the documents that may be needed to process your claim. For ease of reference, examples of certain documents are linked below.
For ease of reference, examples of certain documents are linked below.
Follow the rental car agency instructions regarding loss to the vehicle and notify Card Benefit Services as soon as possible. Please refer to your Guide to Benefits provided to you by your Issuing Bank as you must notify Card Benefits Services of your loss or damage within a specific timeframe. You can submit your information online to start the process and receive a claim number.
This benefit is a card benefit made available to you at no additional cost which applies when you use your covered card to initiate and complete a rental car transaction. The benefit provides reimbursement for:
The program does not provide coverage for liability, injury to anyone, medical expenses, or loss of personal belongings
No, there is no deductible.
Certain card benefits provide coverage that is supplemental to and in excess of your personal automobile insurance. This means the benefit may only cover eligible expenses not covered by other insurance. For other Cards, the benefit would provide primary coverage. Please refer to the Guide to Benefits provided by your Issuing Bank for the specific benefit associated with your Card.
While the benefit is designed to cover most rental vehicles, some exclusions do apply. The following types of vehicles are excluded in all locations and on all card types: antique cars; cargo vans; certain vans; motorcycles; mopeds; motorbikes; limousines; and recreational vehicles.
Certain cards also exclude trucks, vehicles with an open cargo bed (such as pick up trucks), expensive or exotic cars. Examples of expensive or exotic cars are the Alfa Romeo, Aston Martin, Bentley, Corvette, Ferrari, Jaguar, Lamborghini, Lotus, Maserati, Maybach, McLaren, Porsche, Rolls Royce, and Tesla. However, selected models of Audi, BMW, Mercedes-Benz, Cadillac, Infiniti, Land Rover, Lexus, Lincoln, and Range Rover are covered, which may also vary depending on location of rental.
An antique car is defined as one that is over twenty (20) years old, or one that has not been manufactured for ten (10) years or more.
Vans are not covered. But those designed as small-group transportation vehicles (seating up to nine (9) people, including the driver) are covered.
If you have questions about whether coverage would apply to a specific vehicle you have rented or are considering renting, we urge you to call the Benefit Administrator at 1-800-348-8472.
Some of the more common exclusions are listed below:
Please refer to the Guide to Benefits provided by your Issuing Bank for specific exclusions associated with your Card.
Yes, you will be covered as long as your claim is within the guidelines applicable to your eligible card. If you have no other source of insurance, the card's Auto Rental Collision Damage becomes the primary coverage in accordance with the terms and conditions of the benefit.
Please notify Card Benefit Services as soon as possible. There are specific timeframes in which you must notify Card Benefit Services of your loss or damage so please refer to the Guide to Benefits provided to you by your Issuing Bank. Failure to meet these timeframes may result in the denial of your claim.
It usually takes about 8-10 weeks to gather all documentation because they come from various sources. International claims may take longer. Once all required documentation is received, we can usually finalize your claim in about 5 business days.
Yes, if you are renting outside of your country of residence, the coverage provided under this benefit is primary and reimburses you for covered theft, damage, or administrative and loss-of-use charges imposed by the rental company, as well as reasonable towing charges that occur while you are responsible for the vehicle. Please note that the benefit is available in most foreign countries however, this benefit is not available where precluded by law, or where it’s in violation of the territory terms of the auto rental agreement, or when prohibited by individual merchants. Because regulations vary, please check with your auto rental company and the Benefit Administrator before you travel, to be sure that Auto Rental Collision Damage Waiver will apply.
Often the purchase of a minimum level of collision damage coverage is mandated in the countries of Australia, Costa Rica, Italy and New Zealand. In that case, your benefit applies in excess of that required coverage. Regulations vary outside the United States, so we recommend that you check with your auto rental company before you travel to make sure this benefit will apply.
For residents of NY, ND, MN, & RI - Your automobile insurance policy may provide coverage for damage made to rental vehicles or property you do not own. This coverage is provided under the liability section of your policy, which does not carry a deductible; therefore your primary insurance should cover the physical damage. If your insurance company declines to cover you under this provision, we will need a denial letter indicating such.
Yes, the payment can be issued directly to the rental agency or to you. If at any time during the claim process you wish to change the payee, please Contact Us.
For security purposes we do not have access to your account so we cannot credit your account directly.
A typical claim takes 8-10 weeks to obtain all the documents required to finalize a claim because they come from different sources. We recommend that you continue to make minimum payments on your credit card account until the claim is settled. You are responsible for obtaining all required documentation. If you need assistance obtaining required documentation, Contact Us . If you have any questions about your credit card account, please contact your financial institution directly by calling the number on the back of your Card.
The documents needed for your claim include the following. For ease of reference, examples of certain documents are linked below:
Purchase Protection provides coverage for eligible items purchased with your Card in the event of theft or damage. The benefit does not provide coverage for items that are lost or that “mysteriously disappear,” meaning they vanished in an unexplained manner, with no evidence of wrongdoing by one person. This benefit provides coverage for a specified period of time following when you purchase the item. Please refer to the Guide to Benefits provided to you by your Issuing Bank for the terms and conditions which apply to your Card.
Some of the common exclusions are, but not limited to, items that are lost or that "mysteriously disappear" (meaning they vanished in an unexplained manner, with no evidence of wrongdoing by one person), motor vehicles, their parts and accessories, animals, living plants, antiques, collectible items, software, items purchased for resale, professional, or commercial use, consumables, perishables, traveler’s checks, cash or tickets of any kind, or losses caused by or resulting from a Cyber Incidents.
For more information about Cyber Incidents, please visit our Glossary of Terms section.
No, the purchase security benefit provides coverage for eligible items purchased with your Card in the event of theft or damage. We recommend that you contact the retailer where the item was purchased or your financial institution.
No, the purchase security benefit provides coverage for eligible items purchased with your Card in the event of theft or damage. We recommend that you contact the manufacturer of the product or the retailer from where the product was purchased.
Yes, a police report must be filed within 48 hours from the time of theft.
Yes, items purchased outside of the United States are covered as long as they are purchased with your covered Account and the purchase meets the terms and conditions of Purchase Protection.
Yes, gifts purchased with your covered Account are eligible for coverage provided all terms and conditions of the benefit are met.
You must report the loss or damage to the Common Carrier immediately as soon as you exit the Carrier. You will need to provide proof that you submitted a report to the Common Carrier, so be sure to keep a copy of the report for your records. For ease of reference, examples of certain documents are linked below.
Please submit the following documents:
Some of the commonly used Airline websites are:
United: https://www.united.com/
Delta: https://www.delta.com/
American Airlines: https://www.aa.com/
Southwest Airlines: https://www.southwwest.com/
Reasonable expenses include but are not limited to clothing and toiletries which are essential and not available to you because of the baggage delay.
Baggage Delay is a benefit that provides reimbursement of reasonable expenses for essential items if your baggage is delayed or misdirected by the common carrier for a period of time as specified in the Guide to Benefit provided to you by your Issuing Bank. Please refer to your Guide to Benefits for the specific timeframe related to how long your baggage will need to be delayed in order for this benefit to apply.
The benefit is designed to provide coverage for you and your family members provided your covered card was used to purchase the common carrier ticket(s). Family Members typically include your spouse or domestic partner and legally dependent children but Terms and Conditions vary by Card so please refer to your Guide to Benefits for specific information related to who is eligible for this benefit.
A person designated by you who is registered as a Domestic Partner or legal equivalent under the laws of the governing jurisdiction or who is at least 18 years of age and competent to enter into a contract; is not related to you by blood; has exclusively lived with you for at least 12 consecutive months prior to the date of enrollment; is not legally married or separated and as of the date of enrollment has with you at least 2 of the following financial arrangements: a joint mortgage or lease, a joint bank Account, joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease or a joint Credit Card Account with a financial institution. Neither you nor Your Domestic Partner can be married to, nor in a civil union with, anyone else.
Some of the essential items not covered under this benefit include but are not limited to:
Please refer to the Guide to Benefits provided to you by your Issuing Bank for the specific Terms and Conditions which apply to your Card.
The documents needed for your claim include the following. For ease of reference, examples of certain documents are linked below.
Information about delayed flights may be available at www.flightaware.com which you may send or upload in addition to the above documents required to support your claim. Note that this website may not provide information for canceled flights.
Please note: If you opted to take an alternative means of covered transportation (such as bus, train, or taxi) instead of re-booking with the airline, you must provide documentation from the airline that verifies the date and time of the next available flight. This is to substantiate that the delay length meets the minimum length requirement as set in your Guide to Benefits.
Some of the commonly used Airline websites are:
When your covered trip is delayed due to a covered hazard, as specified in your Guide to Benefits, you may be reimbursed for reasonable expenses, like meals and lodging, toiletries, medication, local transportation (if needed) including taxis to or from the airport, rental cars, non-courtesy shuttles, buses or trains and other personal use items. This benefit covers up to the amount specific to your credit card on a trip-by-trip basis, which means it can protect you every time you purchase a common carrier ticket with your card.
Covered hazards under this benefit include equipment failure, inclement weather, strike, hijacking, and skyjacking.
The benefit is designed to provide coverage for you and your family members provided your covered card was used to purchase the common carrier ticket(s). Family Members typically include your spouse or domestic partner and legally dependent children but Terms and Conditions vary by Card so please refer to your Guide to Benefits for specific information related to who is eligible for this benefit.
Coverage is supplemental. This benefit provides coverage after any other valid and collectible insurance or reimbursement from a common carrier for which you are eligible is paid.
Yes, we must be notified within the timeframe listed in the Guide to Benefits provided to you by your Issuing Bank
The documents needed for your claim include the following. For ease of reference, examples of certain documents are linked below.
Some of the commonly used websites are:
If your luggage is stolen or misdirected by a common carrier, this benefit will reimburse you the difference between the amount claimed and what your carrier reimburses for lost/damaged luggage.* Every time you travel, the benefit covers up to the amount specific to your credit card, as long as the cost of the common carrier tickets are charged to the card.
*Depending on the specific coverage on your card, this benefit provides coverage for reimbursement for damaged or lost carry-on luggage, checked luggage, and/or contents within.
The cardholder, the cardholder’s spouse/domestic partner and dependent children are covered under this benefit if their common carrier tickets were charged to the eligible card. Some cards have different terms and conditions so please refer to your Guide to Benefits provided to you by your Issuing Bank for specific information related to who is eligible for this benefit.
Yes, you must report the loss or damage to the Common Carrier. You will be required to submit the written confirmation that the claim was filed with the Common Carrier as well as their settlement or denial so be sure to keep a copy of the report for your records. Please note, this coverage is supplemental and will pay after any other valid and collectable insurance for which you are eligible is paid.
We must be notified within 20 days from the date of loss. All supporting documentation must be received within 90 days from the date of incident.
Yes, please refer to the Guide to Benefits provided with your credit card, or contact us so we may review the exclusions with you.
In most cases, correspondence will be sent within 5 business days requesting documentation needed for evaluating your claim.
Your claim number is for reference purposes. All claim adjudication is predicated on receiving all documentation necessary to evaluate and process your claim, based on the terms and conditions of the benefit.
Correspondence will be sent to you detailing all the specific documentation needed for evaluating your claim. You can also review the specific benefit within this section for the specific documents required for your claim. This information can also be found in the Guide to Benefits provided to you by your Issuing Bank.
We will contact you via the email address and/or phone number that you provided on your completed claim form.
The Existing Claim section of the website will reflect the status of your claim as of last review. In most cases, review of new documentation will be conducted within 5 business days from receipt. You can also Contact Us to obtain additional information on your claim.
In most cases, your claim will be processed within 5 business days once all required documentation is received.
Yes, you can print your information by clicking on the button labeled "Print" on your confirmation page.
Yes, the payment is made by check and can be issued directly to the rental agency or to you. If at any time during the claim process you wish to change the payee, please Contact Us .
For security purposes we do not have access to your account so we cannot credit your account directly. The payment is made by check and will be issued to you or the rental agency.
A typical claim takes 8-10 weeks to obtain all the documents required to finalize a claim because they come from different sources. We recommend that you continue to make minimum payments on your credit card account until the claim is settled. You are responsible for obtaining all required documentation. If you need assistance obtaining required documentation, Contact Us . If you have any questions about your credit card account, please contact your financial institution directly by calling the number on the back of your card.
We are required by Title 10, CCR Section 2695.7(b)(3) to advise you that if you believe that this claim, or any part of the claim, has been wrongfully denied or rejected, you may have the matter reviewed by the California Department of Insurance, Consumer Communications Bureau, 300 South Spring Street, South Tower, Los Angeles, California 90013; (800) 927-4357, (213) 897-8921.
You can upload information while you file a New Claim or need to manage an Existing Claim on this website. You may also email the information to eclaimsline@eclaimsline.com or mail:
Card Benefit Services
P.O. Box 72034
Richmond, VA 23255-2034
***Please reference your claim number on all information. Also, please do not highlight information on the documents you submit as our document scanners cannot process highlighted information.
Yes, we will be glad to help. Ultimately, you are responsible for obtaining all required documentation. If you need assistance obtaining required documentation, Contact Us.
You should ask the rental company for these documents immediately at the time of theft or damage or when you return the vehicle to the company. Please click here to download a letter which can be shared with the rental car company to request some of the documents that may be needed to process your claim. For ease of reference, examples of certain documents are linked below.
For ease of reference, examples of certain documents are linked below.
The documents needed for your claim include the following. For ease of reference, examples of certain documents are linked below:
You must report the loss or damage to the Common Carrier immediately as soon as you exit the Carrier. You will need to provide proof that you submitted a report to the Common Carrier, so be sure to keep a copy of the report for your records. For ease of reference, examples of certain documents are linked below.
Please submit the following documents:
The documents needed for your claim include the following. For ease of reference, examples of certain documents are linked below.
Information about delayed flights may be available at www.flightaware.com which you may send or upload in addition to the above documents required to support your claim. Note that this website may not provide information for canceled flights.
Please note: If you opted to take an alternative means of covered transportation (such as bus, train, or taxi) instead of re-booking with the airline, you must provide documentation from the airline that verifies the date and time of the next available flight. This is to substantiate that the delay length meets the minimum length requirement as set in your Guide to Benefits.
The documents needed for your claim include the following. For ease of reference, examples of certain documents are linked below.
The documents needed for your claim include the following. For ease of reference, examples of certain documents are linked below.
The documents needed for your claim include the following. For ease of reference, examples of certain documents are listed below.
No, the same documentation is needed to evaluate your claim.
Please submit the documents you have and we will be happy to have them translated when received.
In most cases, exchange rates will be based on the date of incident.
If a police report is needed for your loss that occurred in a foreign country, Card Benefit Services will advise you and assist in retrieving this information.
In most cases no, you may submit your claim with us at any time. However, please note that if coverage is supplemental and in excess of any applicable coverage, the program will cover eligible expenses that would not be covered by your insurance company.
The documents needed for your claim include the following. For ease of reference, examples of certain documents are linked below.
The benefit reimburses Eligible Travel Expenses if a covered loss prevents you from traveling on or before the departure date and results in the cancellation of the prepaid, non-refundable travel arrangements.
Before submitting a claim, please review your Guide to Benefits for the definition of Eligible Travel Expenses, and for a complete list of covered losses (coverage varies by credit card). If the reason for your cancellation/interruption is not listed, it is not eligible. Examples of potential covered losses:
What is NOT covered?
For the most part, new/additional travel expenses are not covered. However, your credit card may have a small allowance for specific new expenses under Trip Interruption. This can be confirmed in your Guide to Benefits.
There may be an exclusion pertaining to your circumstances. Please review your Guide to Benefits for a complete list of exclusions (they vary by credit card). Examples of potential exclusions:
You and your Immediate Family Members are covered regardless of whether you are traveling with them. Immediate family member means your spouse or domestic partner and their parents. Immediate family member also includes the following individuals and their spouses:
Children, including adopted children and step children, parents, including step parents, brothers and sisters, grandparents and grandchildren, aunts and uncles, nieces and nephews, legal guardians and wards.
A person designated by you who is registered as a Domestic Partner or legal equivalent under the laws of the governing jurisdiction or who is at least 18 years of age and competent to enter into a contract; is not related to you by blood; has exclusively lived with you for at least 12 consecutive months prior to the date of enrollment; is not legally married or separated and as of the date of enrollment has with you least 2 of the following financial arrangements: a joint mortgage or lease, a joint bank Account, joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease or a joint Credit Card Account with a financial institution. Neither you nor Your Domestic Partner can be married to, nor in a civil union with, anyone else.
Some of the commonly used websites are:
United: https://www.united.com/
Delta: https://www.delta.com/
American Airlines: https://www.aa.com/
Southwest Airlines: https://www.southwwest.com/
Please note that if a common carrier provides a Voucher toward another trip as a form of refund for a cancellation, no payment will be made on your claim with Card Benefit Services because this insurance reimburses specific covered non-refundable travel expenses. If the Voucher issued by the airline expires and is never used, a claim may be payable provided all other terms and conditions are met. If you are charged a fee associated with changing or canceling your airline ticket, reimbursement of that fee may be eligible at the time of loss provided all terms and conditions are met.
If the flight is non-refundable, please provide verification of whether there is an available credit for future travel. Some airlines provide credits instead of refunds, which typically have an expiration date. Once the credit expires, please send proof so we can continue processing your claim.
No. However, as stated under “Covered Loss,” should a Physician state and document that a sickness or illness makes the Covered Trip medically inadvisable, you must immediately notify the appropriate Travel Supplier that you are cancelling your travel arrangements, and provide the documentation received from the physician as a part of the claim for benefits with Card Benefit Services. The sickness or illness must be diagnosed by the treating physician and not be part of the regular treatment associated with pregnancy.
Yes, if you contract a virus (per your medical records) and it prevents you from taking your covered trip, the claim may be eligible. Cancellations to prevent potential exposure to a virus would not be eligible.
Reimbursement is provided for the prepaid non-refundable travel arrangements and change fees when applicable. No new or additional costs incurred as a result of the trip cancellation or interruption are covered; only prepaid or unused expenses are eligible. Change fees that are waived by the common carrier are not eligible for reimbursement.
The documents needed for your claim include the following. For ease of reference, examples of certain documents are listed below.
This benefit provides coverage for you and your Immediate Family Members for accidental loss of life, limbs, sight, speech or hearing while riding as a passenger in, entering or exiting any licensed common carrier, provided some portion of the passenger fare has been charged to your covered account. In addition to the coverage you have while traveling on a Common Carrier, you are also covered for accidental loss of life, limbs, sight, speech or hearing which does not occur on a Common Carrier, on a twenty-four (24) hour basis.
You and your Immediate Family Members are covered regardless of whether you are traveling with them. Immediate family member means your spouse or domestic partner and their parents. Immediate family member also includes the following individuals and their spouses: Children, including adopted children and step children, parents, including step parents, brothers and sisters, grandparents and grandchildren, aunts and uncles, nieces and nephews, legal guardians and wards.
A person designated by you who is registered as a Domestic Partner or legal equivalent under the laws of the governing jurisdiction or who is at least 18 years of age and competent to enter into a contract; is not related to you by blood; has exclusively lived with you for at least 12 consecutive months prior to the date of enrollment; is not legally married or separated and as of the date of enrollment has with you at least 2 of the following financial arrangements: a joint mortgage or lease, a joint bank Account, joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease or a joint Credit Card Account with a financial institution. Neither you nor Your Domestic Partner can be married to, nor in a civil union with, anyone else.
This insurance does not apply to any Accident, Accidental Bodily Injury or loss caused by or resulting from, directly or indirectly:
COVID-19 is considered an illness. If you have contracted COVID-19 and are seeking benefits, please remit all requested documents to support your claim. Please note, we are unable to accept an over-the-counter, self-administered test to substantiate the claim unless it is verified by a third party who is a health care professional. If a PCR test is administered by a pharmacist or by a federal, state, or local agency, where the identity of the person having the test has been verified by that third party and the positive test results were provided by the pharmacy or agency, we will accept this as proof in support of the claim. Claims will be reviewed and adjudicated in accordance with the terms and conditions outlined in your Guide to Benefits.
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