Does Discover Card Cover Car Rental Insurance?

If you're planning a trip, you may be wondering if your Discover card covers car rental insurance. After all, the last thing you want on your relaxing vacation is an unexpected bill. Fortunately, Discover card holders may be covered for some types of car rental insurance, depending on the Discover card they have.

Discover Card Rental Car Insurance

The Discover card rental car insurance can provide rental car coverage for most rental cars in the United States. This coverage is provided by Discover and is not an insurance policy from a third-party insurer. The coverage includes up to $25,000 of coverage for damage to or theft of a rental car, up to $50,000 for emergency medical expenses, up to $500 for accidental death or dismemberment, and up to $1,000 for trip interruption expenses. The coverage applies to most rental cars in the U.S., and may be valid in some foreign countries.

Which Discover Cards Offer Rental Car Insurance?

Most Discover cards offer rental car insurance, but there are some exceptions. For example, the Discover it Miles card does not offer rental car insurance. The coverage is only available on certain Discover cards, such as the Discover it Cash Back, Discover it Chrome, Discover it Miles, Discover it Student Cash Back, and Discover it Student Chrome cards. The coverage is also available on the Discover Open Road and Discover More cards.

How To Activate Discover Card Rental Car Insurance

If you have a Discover card that offers rental car insurance, you can activate the coverage when you rent a car. To activate the coverage, you must decline the rental car company's collision damage waiver or similar coverage. Then, you must charge the entire rental cost to your Discover card. This will activate the rental car insurance for the rental period. It's important to note that the coverage does not apply to cars that are rented for more than 31 consecutive days.

What Rental Car Insurance Does Discover Cover?

The Discover card rental car insurance coverage includes up to $25,000 for damage to or theft of a rental car, up to $50,000 for emergency medical expenses, up to $500 for accidental death or dismemberment, and up to $1,000 for trip interruption expenses. The coverage applies to most rental cars in the U.S., and may be valid in some foreign countries. It's important to note that the coverage does not cover personal liability, such as if you are responsible for damage to another person's property, or personal injury, such as if you injure another person.

Conclusion

Discover card holders may be covered for some types of car rental insurance, depending on the Discover card they have. Most Discover cards offer rental car insurance, but some, such as the Discover it Miles card, do not. To activate the coverage, you must decline the rental car company's collision damage waiver or similar coverage, and then you must charge the entire rental cost to your Discover card. The Discover card rental car insurance coverage includes up to $25,000 for damage to or theft of a rental car, up to $50,000 for emergency medical expenses, up to $500 for accidental death or dismemberment, and up to $1,000 for trip interruption expenses. However, the coverage does not cover personal liability or personal injury.