Does USAA Credit Card Cover Rental Car Insurance?

If you're a USAA member, you're likely aware of the many benefits associated with their credit cards. One of the best features is that many of their cards come with rental car insurance coverage. But does USAA credit card cover rental car insurance?

The answer is yes, but there are certain limits and restrictions to the coverage provided. For instance, USAA credit cards will only cover up to the actual cash value of the rental car, not the full retail price. Additionally, the coverage will only cover loss or damage caused by collisions, theft, fire, and other perils. It will not cover any liability claims, such as those resulting from an accident.

What Does USAA Credit Card Cover Rental Car Insurance Include?

The USAA credit card rental car insurance coverage typically includes:

Coverage for up to the actual cash value of the rental vehicle.
Protection against theft, collision, fire, and other perils.
Towing and labor costs if the rental car breaks down.
Lost key and lock-out coverage.
Coverage for personal items that may be in the rental car at the time of a covered loss.

It's important to note that USAA credit cards typically only cover rental cars for up to 31 consecutive days. Coverage for rental cars outside the United States is also limited, so before you plan a trip abroad, be sure to check the terms and conditions of your specific card.

How Can I Get USAA Credit Card Rental Car Insurance?

In order to get USAA credit card rental car insurance, you must first be a USAA member. If you're not yet a USAA member, you can apply online or call USAA's customer service line to learn more. Once you've become a USAA member, you can then apply for a USAA credit card. Once you've been approved and your card has been issued, you can then activate your card and enroll in the rental car insurance coverage.

In addition to the rental car insurance coverage, USAA credit cards also offer a variety of other benefits, such as cash back, travel rewards, and more. So, if you're looking for a credit card with excellent rental car insurance coverage, USAA is a great option.