Travel Insurance That Covers Car Rentals – Reviewed!
As a responsible traveler, ensuring your safety and financial security is essential. One way to achieve this is by purchasing travel insurance that covers car rentals. Car rental insurance can be expensive, especially if you’re renting a car for an extended period. In this article, we’ll review some of the top travel insurance policies that cover car rentals, highlighting their benefits, exclusions, and limitations.
Why Do I Need Travel Insurance That Covers Car Rentals?
If you’re planning to rent a car during your trip, it’s essential to consider purchasing travel insurance that covers car rentals. Here are a few reasons why:
- Cost Savings: Car rental insurance can be expensive, especially if you’re renting a car for an extended period. Travel insurance that covers car rentals can help you save money on car rental insurance fees.
- Peace of Mind: Travel insurance provides peace of mind, knowing that you’re protected against unexpected events such as car theft, damage, or accidents.
- Protection against Unforeseen Events: Travel insurance that covers car rentals can help protect against unforeseen events such as medical emergencies, trip cancellations, or travel disruptions.
Top Travel Insurance Policies That Cover Car Rentals
Here are some of the top travel insurance policies that cover car rentals:
- Travelex Travel Insurance
Travelex offers a range of travel insurance policies that cover car rentals. Their policies include:
- Cancel for Any Reason (CFAR): Cancel your trip for any reason, including a change of plans or unexpected events.
- Emergency Medical Coverage: Receive coverage for medical emergencies, including hospital stays, physician fees, and emergency transportation.
- Car Rental Insurance: Receive coverage for car rental insurance fees, including deductibles and fees for towing, labor, and repairs.
- Trip Cancellation: Cancel your trip due to unforeseen events such as natural disasters, terrorism, or travel disruptions.
Prices:
- Individual Plan: $99 – $199 per person
- Family Plan: $199 – $399 per family
- Allianz Travel Insurance
Allianz offers a range of travel insurance policies that cover car rentals. Their policies include:
- Cancel for Any Reason (CFAR): Cancel your trip for any reason, including a change of plans or unexpected events.
- Emergency Medical Coverage: Receive coverage for medical emergencies, including hospital stays, physician fees, and emergency transportation.
- Car Rental Insurance: Receive coverage for car rental insurance fees, including deductibles and fees for towing, labor, and repairs.
- Trip Cancellation: Cancel your trip due to unforeseen events such as natural disasters, terrorism, or travel disruptions.
Prices:
- Basic Plan: $79 – $129 per person
- Deluxe Plan: $149 – $249 per person
- GeoBlue Travel Insurance
GeoBlue offers a range of travel insurance policies that cover car rentals. Their policies include:
- Cancel for Any Reason (CFAR): Cancel your trip for any reason, including a change of plans or unexpected events.
- Emergency Medical Coverage: Receive coverage for medical emergencies, including hospital stays, physician fees, and emergency transportation.
- Car Rental Insurance: Receive coverage for car rental insurance fees, including deductibles and fees for towing, labor, and repairs.
- Trip Cancellation: Cancel your trip due to unforeseen events such as natural disasters, terrorism, or travel disruptions.
Prices:
- Individual Plan: $129 – $229 per person
- Family Plan: $249 – $399 per family
- AXA Travel Insurance
AXA offers a range of travel insurance policies that cover car rentals. Their policies include:
- Cancel for Any Reason (CFAR): Cancel your trip for any reason, including a change of plans or unexpected events.
- Emergency Medical Coverage: Receive coverage for medical emergencies, including hospital stays, physician fees, and emergency transportation.
- Car Rental Insurance: Receive coverage for car rental insurance fees, including deductibles and fees for towing, labor, and repairs.
- Trip Cancellation: Cancel your trip due to unforeseen events such as natural disasters, terrorism, or travel disruptions.
Prices:
- Basic Plan: $79 – $129 per person
- Deluxe Plan: $149 – $249 per person
What to Consider When Choosing a Travel Insurance Policy
When choosing a travel insurance policy that covers car rentals, consider the following factors:
- Cost: Compare prices from different travel insurance providers to ensure you’re getting the best deal.
- Coverage: Ensure the policy covers car rental insurance fees, as well as other travel-related expenses such as medical emergencies, trip cancellations, and travel disruptions.
- Exclusions: Read the policy terms and conditions carefully to understand what’s excluded, including pre-existing medical conditions, age restrictions, and travel to high-risk areas.
- Deductibles: Understand the deductibles and fees associated with the policy, including copays and coinsurance.
- Claim Process: Ensure the policy has a straightforward claim process and provides 24/7 assistance for unexpected events.
Conclusion
Travel insurance that covers car rentals is essential for protecting yourself against unexpected events while traveling. By choosing a reputable travel insurance provider, you can ensure that you’re covered for car rental insurance fees, as well as other travel-related expenses. Remember to consider the cost, coverage, exclusions, deductibles, and claim process when choosing a policy. With the right travel insurance policy, you can enjoy your trip with peace of mind.
Frequently Asked Questions
- Do I need to purchase travel insurance that covers car rentals if I already have car insurance?
While you may already have car insurance, travel insurance that covers car rentals provides an additional layer of protection against unexpected events such as medical emergencies, trip cancellations, and travel disruptions.
- Can I purchase travel insurance that covers car rentals after booking my trip?
Yes, you can purchase travel insurance that covers car rentals after booking your trip. However, be sure to check the policy terms and conditions carefully to understand any exclusions or limitations.
- How much does travel insurance that covers car rentals cost?
The cost of travel insurance that covers car rentals varies depending on the provider, policy type, and travel duration. Typically, individual plans cost between $99 and $199, while family plans cost between $199 and $399.
- What’s excluded from travel insurance that covers car rentals?
Common exclusions from travel insurance that covers car rentals include pre-existing medical conditions, age restrictions, and travel to high-risk areas. Be sure to read the policy terms and conditions carefully to understand what’s excluded.
- Can I cancel my trip and receive a refund if I have travel insurance that covers car rentals?
Yes, if you have travel insurance that covers car rentals, you may be able to cancel your trip and receive a refund due to unforeseen events such as medical emergencies, natural disasters, or travel disruptions. However, be sure to check the policy terms and conditions carefully to understand any exclusions or limitations.
