Does Costco Citi Card Cover Car Rental Insurance?

If you’re a Costco member, the Citi Costco credit card is certainly worth considering. The card comes with plenty of benefits, including an impressive rewards program and access to exclusive offers and discounts. But one of the most important benefits of the Citi Costco credit card is car rental insurance. If you’re looking for a credit card that provides comprehensive car rental insurance coverage, the Costco Citi card is an ideal choice.

What Car Rental Insurance Does the Costco Citi Card Provide?

The Citi Costco card offers a primary rental car insurance policy. This means that if you have a car accident while driving a rental car, your Citi Costco card coverage would kick in first, before any other insurance coverage. The primary rental car insurance covers up to $50,000 in damage to the car, as well as medical and legal expenses. This is much more comprehensive coverage than you would get with a regular credit card.

What Does the Card Not Cover?

The Citi Costco card does not cover any liability coverage for rental cars. That means if you cause an accident while driving a rental car, the Citi Costco card will not provide coverage for any damages or injuries you incur. You will have to rely on other insurance policies, such as your personal auto insurance policy, to provide coverage for liability expenses. Additionally, the Citi Costco card does not provide coverage for any personal items that may be damaged or stolen from a rental car.

What Else Do You Need to Know?

It’s important to note that the Citi Costco card only provides coverage for rental cars rented in the United States. If you rent a car abroad, you will not be covered by the Citi Costco card. Additionally, the card only provides coverage for rentals of up to 31 days. If you rent a car for longer than 31 days, you will not be covered by the Citi Costco card. Finally, the coverage only applies to rental cars used for leisure and business trips, not rentals used for commercial purposes.

Conclusion

The Citi Costco card provides comprehensive car rental insurance coverage for rentals in the United States. The coverage includes up to $50,000 in damages to the car, as well as medical and legal expenses. However, the card does not provide liability coverage, nor does it cover any personal items that may be stolen or damaged from a rental car. Additionally, the coverage only applies to rentals of up to 31 days and only for rentals used for leisure and business trips. If you are a Costco member and you are looking for a credit card with comprehensive car rental insurance coverage, the Citi Costco card is an ideal choice.