Check Before Buying Travel Insurance For Rental Cars – Most Travelers Are Already Covered, Advises Squaremouth

Published by August 12, 2011

ST. PETE BEACH, FL August 12, 2011 – Buying travel insurance to cover a rental car is an additional expense that many can avoid. Before making a purchase, travelers should first check with their car insurance and credit card provider to see if coverage is available. “Many travelers buy additional coverage because they don’t know they already have protection,” says Sarah Byrne, Marketing Manager at Squaremouth.com, a site for comparing and purchasing travel insurance. “Checking your options first could save you money and prevent over insuring.”

When traveling within the U.S., many rental car drivers do not need to buy additional rental car insurance. Many car insurance plans from companies including State Farm, Allstate and Progressive, offer their policy holders protection when driving a rental car. However, additional coverage may be needed to cover “loss of use” charges if the rental car requires repairs.

Travelers should also check what coverage is available through their credit card company. American Express, MasterCard and Visa offer rental car coverage with many of their cards, however, it’s important to remember that the benefit is only available if travelers pay for the rental car on the card.

If travelers do not have the option to receive coverage through their car insurance or credit card provider, rental car insurance is available with many travel insurance plans. Most plans range from $25,000 to $50,000 in rental car coverage and will also include cancellation, interruption, medical and medical evacuation. “Since the amount of rental car coverage can vary from one policy to the next, its important for travelers to read the fine print,” says Chris Harvey, CEO of Squaremouth.

For example, Travel Guard offers primary coverage with a $250 deductible, while CSA Travel Protection and HTH Worldwide offer primary rental car insurance without a deductible.

“Since CSA provides primary coverage for rental car damage, travelers in most instances never need to inform their car insurance company that a problem occurred, saving them time, frustration and potential rate increases,” explains Kathy Townend, CSA Travel Protection’s Marketing Manager.

Other plans from Seven Corners, Travelex and Travel Insured offer secondary rental car coverage, yet travelers are required to first collect from any existing insurance they may have before the travel insurance will pay a claim.

If a comprehensive travel insurance plan is not needed, Travel Guard and American Express both offer alternatives. Travel Guard offers only rental car collision insurance for $7 a day, and American Express offers primary car rental insurance to non-card members for $9 a day.

About Squaremouth
Squaremouth is America’s fastest growing travel insurance comparison site, helping customers instantly quote, compare and buy policies from every major carrier. Squaremouth has web sites in the US and UK, and an extensive network of partner sites worldwide. The company is headquartered in St Pete Beach, FL., with offices in Fort Wayne, IN. Visit Squaremouth.com or Squaremouth.co.uk.

About our Zero Complaint Guarantee
The cornerstone of our commitment to customers is Squaremouth’s guarantee to remove any company from our website if there is a customer complaint that cannot be resolved to our satisfaction. Squaremouth offers the broadest selection of insurance with an emphasis on quality and follow-up care in companies featured. We also factor in independent evaluation from the insurance industry watchdog AM Best.

Squaremouth offers products from the following travel insurance carriers:
Air Ambulance Card,  CSA Travel Protection, Global Alert Admin, HCC, HTH Worldwide, IMG,  ITravelInsured, Medjet Assist, MH Ross, Seven Corners, Travel Guard, Travel Insurance Services, Travel Insured, Travelers Liberty, Travelex, TravelSafe and USA Assist.

AVAILABLE TOPIC EXPERT:
Chris Harvey
charvey@squaremouth.com
Toll-free (800) 240-0369
Direct (727) 490-5802