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Travel internationally or domestically with Travel Guard’s Rental Vehicle Damage Coverage.
Get added protection from damage to your rental car when you book with Travel Guard.
Rental Vehicle Damage Coverage is an optional coverage that can be added to your existing Travel Guard travel insurance plan to provide you with reimbursements for covered damage done to your rental car.
What is Rental Vehicle Damage Coverage?
Typically, when renting a car, you’re responsible for any damage caused to the vehicle, even if you’re not at fault. Over-the-counter insurance options for rental cars may only include liability insurance – which could leave you on the hook if there is damage to the vehicle. Travel Guard’s Rental Vehicle Damage Coverage provides coverage that can reimburse you for the cost of repair from damages caused by certain events which may include:
- Collison
- Vandalism
- Windstorm
- Hail
- Fire
- Flood
How do I use Rental Vehicle Damage Coverage during my trip?
You’ll want to notify the rental car company as soon as the damage occurs to prevent further issues with the vehicle. If you were in an accident, contact the proper authorities and gather the information of the other driver – you’ll need this when you file a claim. When you get back home, you can file a claim for reimbursement and provide the proper documentation for your claim.
What documentation do I need to file a claim for Rental Vehicle Damage Coverage?
The specific documentation needed to file may vary depending on the circumstances around the damage and how much damage was done to the vehicle.
Below is a list of documentation that may be required:
- Copy of your rental contract
- Copy of police, accident or incident report
- Copy of repair estimate or invoice
- Pictures of the vehicle damage
- Proof of any payments made for the damage
Additional documentation may be required depending on your claim. You can start a claim online with our claims portal, or you can call us directly if you have specific questions.
Example Scenario:
While driving your rental vehicle in Canada, you get rear-ended by another driver. You gather their information, contact the authorities and call the rental car company to inform them of the accident. They send out a tow truck to take in the vehicle, and you get a different vehicle for the rest of your trip.
In this scenario, you would likely be responsible for the repair costs of the rental car according to your rental agreement in addition to any “loss of use” fees that are often imposed by rental car companies. If you have Travel Guard’s Rental Vehicle Damage Coverage, you would save all important documentation from the incident to file a claim for reimbursement.
More Common Questions
There’s often still value in adding Travel Guard’s Rental Vehicle Damage Coverage to your travel insurance plan. Many credit card companies offer some liability and collision coverage, but damage from events like hail or windstorms may not fall under those coverages. It’s important to review what coverage you may have through your credit card. Protect your travel investment and reduce the risk of unexpected expenses by making sure you have the coverage you may need when you’re responsible for a rental car.
Yes! A travel insurance plan with Rental Vehicle Damage Coverage can help ease the financial burden of unplanned expenses from covered repairs and fees from the rental car company.
It can depend on a few factors since a travel insurance plan is usually calculated based on several factors such as trip cost and the product you select. However, the Rental Vehicle Damage Coverage benefit through Travel Guard is around $12 per day on average.
Yes, if your destination is covered by Travel Guard, and you have a valid license to drive in the country you’re renting a vehicle in, you can get coverage outside of the U.S.!
When you’re looking at travel insurance plans, it’s important to understand what you are purchasing. The best way to do this is to read over the policy of insurance.
Reviews and Testimonials
We will always be thankful for our agent encouraging us to get a travel insurance plan through Travel Guard! After filing a claim, we got reimbursed quickly for all our covered expenses. It was a relief to know that we didn't have to come home from our honeymoon and have a huge bill to pay. Since then, we have encouraged all our friends and family to buy a Travel Guard plan when planning a trip!
-- Tiffanie and Scott
Get a travel insurance plan the way you want it!
Questions?
Call us at: 800-826-5248
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Coverage available to residents of U.S. states and the District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. Similar travel insurance coverage, offered by Travel Guard or another insurance provider, may be available through a variety of other sources, but may be subject to different terms and conditions (i.e. benefits, limits, exclusions, etc.). You may wish to compare the terms and conditions of this policy with those of your existing life, health, home and automobile insurance policies, as well as any other coverage which you may already have or is available to you, including through other insurers, as a member of an organization, or through your credit card program(s). If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc. (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, www.travelguard.com. CA DOI toll free number: 800-927-HELP. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Avenue of the Americas, 37th FL, New York, NY 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Travel assistance services provided by Travel Guard.