travel insurance auto rental

When You Need Car Travel Insurance, and When You Don’t

You may not need to purchase rental car insurance if your personal auto policy provides coverage..

5+ years writing insurance, travel, and personal finance content

Founder of FamilyMoney Adventure blog

Kevin is a seasoned writer who leverages his love of budgeting and all things personal finance to create informative, thoroughly researched insurance and money content.

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Licensed auto and home insurance agent

3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Updated January 24, 2023

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Table of contents

• Insurance when traveling across the U.S.
• Renting a car
• Best rental car insurance
• What car insurance you need

What affects car travel insurance costs?

• Insurance in Mexico

Car travel insurance FAQs

Table of contents compare quotes.

The popularity of road trips in America persists. A 2022 Vacationer survey revealed that nearly 80% of Americans planned to take a road trip this past summer. [1]

Your car insurance policy generally provides coverage in all 50 states and Canada, even if you live in a state with higher or lower insurance minimums. If you travel to Mexico or another country, you may need to purchase country-specific insurance or add coverage to your existing policy.

In the event of an accident out of state, your auto insurance coverage limits adjust to meet that state’s minimum requirements if they exceed your state’s requirements.

Your car insurance policy may provide coverage in U.S. territories like Puerto Rico.

You need Mexican travel insurance to drive in Mexico.

Car insurance when traveling across the U.S.

Most standard auto insurance policies apply in other states, protecting you even though minimum auto insurance coverage requirements vary between states. If you get into an accident in a state with higher minimum insurance requirements than where you live, your policy limits will adjust to meet that state’s requirements. Your limits don’t decrease if you visit a state with lower minimum requirements.

For example, imagine you live in Florida but have an accident while driving through Georgia. Florida only requires $10,000 in property damage coverage and $10,000 in personal injury protection. Your insurance policy limits would adjust to meet Georgia’s requirements of $25,000 per person and $50,000 per accident in bodily injury coverage and $25,000 in property damage liability coverage .

What is the minimum coverage in each state?

Each state sets its own minimum auto insurance coverage requirements . Here’s a look at the current minimum coverage requirements for each state.

Renting a vehicle for your road trip

Renting a vehicle for road trips versus driving your personal vehicle comes with several advantages. Driving a rental vehicle helps you avoid putting extra miles and wear and tear on your personal vehicle, which may hurt its resale value. If you drive an older car, your rental car will likely be newer with better gas mileage. If you lease a vehicle, taking it on road trips could cause you to exceed mileage limits and face costly penalties.

When you rent a vehicle, the rental company will offer you what’s known as rental car insurance , which can include:

Liability coverage

Loss/collision damage waiver

Personal accident insurance

Personal effects coverage

If you rent a car, you have the option to decline rental car coverage as long as your personal auto insurance policy covers rental car use. If you don’t have auto insurance, you must purchase liability insurance through the rental car company.

Car travel insurance and rental excess

A rental excess describes the maximum amount you’ll have to pay out of pocket in case of damage to the rental vehicle. Rental companies typically hold the excess charge on your credit card until you return the vehicle. The company waives the excess charge if the car is returned without damage. If you return the rental vehicle with damage, the rental company will charge you a fee based on the damage incurred up to the excess maximum.

Does your insurance cover rental car damages?

In most cases, your personal auto insurance policy extends the same coverage limits and deductibles to rental vehicles. [2] The coverage you can purchase through a rental car company often overlaps with personal coverage. If you don’t have car insurance, you must purchase coverage through the rental company to rent a vehicle.

Best Credit Cards for Rental Car Insurance

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You can buy rental car insurance from the same company where you rent the vehicle, or you can purchase it separately from a reputable rental car insurance company.

Insurance costs fluctuate based on where you live, your travel location, travel time, and other factors. Dozens of rental car insurance providers exist with different coverage, estimated costs, and customer service, so it’s important to shop around and consider what company works best for you and your insurance needs.

The table below provides a comparison of four different rental car insurance companies, using a 30-year-old Michigan resident traveling between March 4 and 18 to calculate average costs.

What car insurance do you need when traveling abroad?

Each country requires different car insurance minimums. For example, drivers in France and Germany must have third-party liability coverage, which covers damages you or your car causes other people, cars, or property — including medical bills. If you rent a car in Italy, you must purchase the rental company’s collision damage waiver.

If you plan to drive while vacationing or staying in another country, the easiest way to get car insurance is to purchase international car rental insurance coverage through a car rental company. You can learn more about a country’s car insurance requirements by contacting the country’s U.S. embassy.

Car Insurance for International Drivers

Do you need insurance if you’re renting a vehicle abroad.

U.S. citizens must meet driver licensing laws and minimum insurance requirements to rent a car and drive in foreign countries. Most U.S. insurance providers won’t cover you while driving abroad, regardless of the vehicle. If you rent a car abroad, you must purchase insurance from a rental car company. Some credit cards may offer coverage for international car rentals, but this often qualifies as secondary coverage. Because laws vary by country, you should research foreign car insurance requirements before traveling abroad.

Several factors can affect the cost of insuring a rental vehicle, including:

The rental company: Insurance pricing varies depending on which rental agency you choose.

Location: State minimum coverages vary, so the cost may differ depending on where you rent a car.

Vehicle type: Insurance costs vary depending on the vehicle you rent. A large truck or SUV may cost more to insure than a compact car.

Mileage: The length of your rental period and the number of miles you drive can also affect how much it costs to insure the rental vehicle.

Coverage type: The type of coverage you choose and whether you purchase add-on coverages affect insurance pricing.

What insurance covers your vehicle while traveling to Mexico?

While your auto insurance coverage provides sufficient protection when traveling in the U.S., “traveling abroad is a different story,” says Ben Guttman, an insurance broker at North Central Insurance Agency.

“If you are traveling to Canada or Mexico, there may be additional coverages you can easily add to your policy,” says Guttman.”If Canada is your destination, you’re probably in the clear, but since their insurance laws are different, [insurers] will provide upon request a Non-Resident Inter-Province insurance card.”

However, special insurance is required by law to drive in Mexico. Mexico insurance provides liability and asset protection while visiting Mexico. “If your plans will take you south of the border to Mexico,” Guttman says, “you may need to endorse your policy or purchase separate coverage.”

Here are answers to some commonly asked questions about car travel insurance.

What is car rental travel insurance?

Car rental insurance is the insurance coverage offered by rental companies when you rent a vehicle. Purchasing car rental insurance isn’t always necessary, since your personal auto insurance policy may cover car rentals with the same limits and deductibles.

Do you need travel car insurance?

Car rental insurance isn’t always necessary since most auto insurance policies extend to cover rental cars. If you don’t have personal auto insurance, you must purchase coverage from the rental company to rent or drive a rental vehicle.

Does your car insurance work in all states and abroad?

Most U.S. auto insurance policies extend to all 50 states, Washington, D.C., and U.S. territories, like Puerto Rico. Your insurance policy may also extend to parts of Canada, but most other foreign countries, including Mexico, require you to carry special car insurance that varies depending on the country.

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Kevin Payne is a freelance writer and family travel and budget enthusiast behind FamilyMoneyAdventure.com. His work has been featured in Forbes Advisor, CreditCards.com, Bankrate, SlickDeals, Finance Buzz, The Ascent, Student Loan Planner, and more. Kevin lives in Cleveland, Ohio with his wife and four teenagers.

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The Truth About Car Rental Insurance You Need to Know

A nationally recognized reporter, writer, and consumer advocate, Ed Perkins focuses on how travelers can find the best deals and avoid scams.

He is the author of "Online Travel" (2000) and "Business Travel: When It's Your Money" (2004), the first step-by-step guide specifically written for small business and self-employed professional travelers. He was also the co-author of the annual "Best Travel Deals" series from Consumers Union.

Perkins' advice for business travelers is featured on MyBusinessTravel.com , a website devoted to helping small business and self-employed professional travelers find the best value for their travel dollars.

Perkins was founding editor of Consumer Reports Travel Letter, one of the country's most influential travel publications, from which he retired in 1998. He has also written for Business Traveller magazine (London).

Perkins' travel expertise has led to frequent television appearances, including ABC's "Good Morning America" and "This Week with David Brinkley," "The CBS Evening News with Dan Rather," CNN, and numerous local TV and radio stations.

Before editing Consumer Reports Travel Letter, Perkins spent 25 years in travel research and consulting with assignments ranging from national tourism development strategies to the design of computer-based tourism models.

Born in Evanston, Illinois, Perkins lives in Ashland, Oregon with his wife.

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No matter how often I cover the problems that come with collision damage under car rental insurance, consumers continue to share their frustrations. A reader recently emailed me:

“I’m interested in finding a complete bumper-to-bumper, ‘drop off the keys at the counter’ car rental coverage when I travel. I recently thought I had complete coverage though a credit card, but when my car suffered a small dent, the car rental company flat-out refused to document that it actually lost income from having the car rental in the shop (which took three weeks to repair a small dent). I was left with responsibility.”

This experience is uncommon, but not unique. Car rental companies desperately want you to buy their collision damage waiver, or CDW (sometimes also known as loss damage waiver, or LDW), and will go to great lengths to make you pay for even the smallest damages if you don’t. Here’s what you need to know before you shell out for car rental insurance on your next vacation.

Car Rental Insurance: What You Need to Know

The One Way to ‘Drop the Keys and Forget It’

When you buy a CDW, the rental company surrenders its rights to charge you for damage to a car rental—with a few exceptions, such as tire damage or gross negligence. (CDW terms and conditions vary by car rental company, so you’ll want to read them carefully before committing.) But otherwise, no matter how banged up the car could be, you’re off the hook: Just turn it in and be on your way. No other approach—your own insurance, your credit card, or a third-party policy—is as comprehensive or convenient. If you want that full flexibility and peace of mind, pay for CDW.

CDW Insurance Is Ridiculously Overpriced

Typically, a CDW starts at around $30 per day and can go higher. The actuarial cost to the rental company—the amount it would allocate toward a damage pool based on risk experience—is probably just a few dollars a day; the rest is theirs to keep. No wonder the agents push it so hard: It’s clearly a lot more profitable than the car rental alone.

The 16 Best Car Rental Booking Sites

You’ll Pay Up Front for All Damage

You can cover your major damage responsibility by relying on your own insurance, a credit card with insurance, or a third-party policy. But in all of those cases you have to pay a damage claim up front, then recover as much as you can (all of it, you hope) by filing a claim afterward. That means signing a credit card bill for hundreds or even thousands of dollars when you return the damaged car, and not knowing if you’ll get that money back.

That’s why some rental companies won’t accept rentals via debit card, or a credit card with a small limit. If you can pay the initial rental fee with a debit card, you may still need to provide a credit card to cover a possible damage claim, which would be filed before you can leave the return counter.

‘Damage’ Is More than Fixing a Dent

If you don’t buy CDW, rental companies can charge for more than just fixing the damage. They may also charge for:

• “Loss of use,” meaning the potential revenue lost while the car is out of service being fixed, even if the company had lots of other cars available. And they generally figure that daily loss at the full retail rate.
• Towing charges, if you are unable to drive the car back to the return station.
• “Diminished value,” or the potential loss of the car’s resale value (because of your damage) when the rental company disposes of it, usually within two years.
• Administrative fees associated with the claims process.

Most non-CDW car rental insurance will cover those extras. But, in some cases, coverage depends on cooperation from the rental company—and it may not be forthcoming, as our reader’s above wasn’t.

5 Vacation Rental Scams to Watch Out For

You Need General Liability Protection

You should never get behind the wheel of a car—or lawnmower, for that matter—without liability protection. But you don’t buy that from a car rental company: It usually comes with household, homeowner, or tenant insurance, and it covers far more than a car rental. And if your net worth is in six figures, you probably need an “umbrella” liability policy that covers a million dollars or more.

Car rental companies in most countries are required by law to include liability insurance. In the U.S., required coverage can be ludicrously small (usually only the minimum required by the state)—it’s usually much better in Europe. If you don’t have substantial liability insurance, you might consider buying the rental company’s offering. Still, your best bet is to make sure you’re covered 24/7 with your own insurance so you can forget about the rental company’s overpriced insurance.

Alternatives to Rental Company Collision Damage Waivers

Alternative #1: Pay with Your Existing Car Insurance

In many cases, if your regular auto insurance covers collision damage to your insured car, it also covers damage to a short-term rental. But this coverage is generally limited to driving in the U.S. and maybe Canada, and won’t cover car rentals in Mexico, Europe, or anywhere else. So, before you plan on using your own insurance, check its coverage. If it does cover rentals, you can place a claim on it. Still, you must typically pay your policy’s deductible, and any claims may cause your rates to go up.

Alternative #2: Use Credit Card Benefits

These days, most credit cards provide “free” collision coverage for car rentals, provided you use the card to secure the rental. A sample credit card benefits statement describes coverage as:

“Physical damage and/or theft of the covered rental vehicle. Valid loss-of-use charges assessed by the rental company while the damaged vehicle is being repaired and is not available for use, as substantiated in the company’s fleet utilization log. Reasonable and customary towing charges related to a covered loss to take the vehicle to the nearest qualified repair facility.”

Note that this typical Visa card’s benefits do not cover diminished value or administrative costs. A few premium credit cards offer primary collision coverage, meaning the card takes full responsibility for the payment. But coverage on most cards is secondary, meaning the card picks up only what you can’t first recover from your own insurance. And you still have to pay the rental company up front, then file for reimbursement from your card issuer.

Another gotcha in the above fine print: This card (and many others) pays for loss of use only if verified by the rental company’s log. Unfortunately, some rental companies don’t cooperate with credit card issuers in providing this type of documentation in a timely manner.

The Ultimate Guide to Travel Insurance: Everything You Need to Know

Alternative #3: Third-Party Car Rental Insurance

If you rent a car through one of the big online travel agencies (OTA) such as Expedia or Priceline , the agency normally offers you the option to buy collision coverage for around $10 a day. That coverage is provided by a third-party insurance company such as Allianz . The cost is a lot less than the rental company’s CDW, but, as with credit card coverage, if you damage the car, you have to pay up front and claim later.

Typical third-party collision coverage includes about the same contingencies as credit card coverage, but because it’s grouped with the booking you won’t have to make any other claims. You can also buy collision coverage independently: Bonzah , for example, sells coverage at around $10-$20 per day.

The Uncertainty Principle

The takeaway from all this: No alternative source of collision damage coverage—your auto insurance, your credit card, or a third party—completely isolates you from risk. Lots of travelers successfully rely on lower-cost alternatives to CDW without encountering any problems, sure. Occasionally, however, your own insurance, credit card, or third-party policy may not cover an unusual charge a rental company might impose.

If you’re unwilling to accept any risk at all, you might want to buy that overpriced CDW. For most travelers and circumstances, credit card or third-party coverage is sufficient, and primary coverage is a lot better than secondary.

Consumer advocate Ed Perkins, the founding editor of the Consumer Reports Travel Letter, has been writing about travel for more than three decades.

Editor’s note: This story was originally published in 2017. It has been updated to reflect the most current information.

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The 6 Best Vacation Rental Travel Insurance Plans

Allianz Travel Insurance »

Seven Corners »

AXA Assistance USA »

AIG Travel Guard »

Nationwide Insurance »

Red Sky Travel Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Vacation Rental Travel Insurance Plans.

Table of Contents

• Rating Details
• Allianz Travel Insurance
• Seven Corners

When you're planning an affordable yet fun-filled vacation, a rental home can be a great lodging option. By booking a vacation rental that's a condominium, a rustic cabin or a private villa instead of a hotel or resort, travelers get to enjoy more of the comforts of home during a trip, such as a living space and a kitchen to make meals in.

But you can't plan for everything, so you don't necessarily want to skip over a travel insurance policy in case something goes wrong. Investing in vacation rental travel insurance is the best protection you have against inclement weather or a natural disaster ruining your trip or forcing you to evacuate your vacation home before the end of your rental period.

The best travel insurance plans also offer additional coverage for travel delays, baggage loss, emergency medical expenses, emergency evacuation and other perils. Before you book a vacation property directly from an owner or through a platform like Airbnb, Vacasa or Vrbo, read on to learn about the best travel insurance policies for this type of trip and what they include.

• AXA Assistance USA
• AIG Travel Guard
• Nationwide Insurance
• Red Sky Travel Insurance

Best Vacation Rental Travel Insurance Plans in Detail

Customizable coverage that works well for vacation rentals at any price point

Kids 17 and younger covered for free with some plans

OneTrip Basic plan may have insufficient coverage for your needs

• Trip cancellation coverage worth up to $100,000
• Trip interruption coverage worth up to $150,000
• Trip change protector worth up to $500
• $50,000 in coverage for emergency medical expenses
• Up to $500,000 for emergency medical transportation
• Baggage loss and damage coverage worth $1,000
• Baggage delay insurance up to $300
• Travel delay coverage worth up to $800 ($200 per day)
• 24-hour travel hotline assistance

Broad selection of plans to choose from

Ideal vacation rental coverage for domestic trips available

Domestic plans with Air Travel Bundle come with low limits for baggage and personal effects

• Trip delay coverage worth up to $300 ($100 per day)
• Travel inconvenience coverage worth up to $150
• Baggage coverage worth up to $500 ($250 maximum per item)
• Baggage delay coverage worth up to $250 (up to $100 per day)
• Emergency accident and sickness coverage worth up to $50,000
• Coverage for emergency evacuation and repatriation of remains worth up to $250,000
• Emergency dental expense coverage worth up to $250

Offers comprehensive coverage based on your needs

Customize your policy with available add-ons

Optional CFAR coverage only available with Platinum Plan

• Trip cancellation coverage worth up to 100% of the total trip cost
• Trip interruption coverage up to 100%
• Trip delay coverage up to $500 ($100 limit per day)
• Missed connection coverage up to $500
• Emergency medical coverage up to $25,000
• Emergency evacuation coverage up to $100,000
• Accidental death and dismemberment coverage up to $10,000
• Common carrier accidental death and dismemberment coverage up to $25,000
• Baggage delay coverage up to $200
• Baggage and personal effects coverage up to $750

Customizable coverage with high limits

Cancel for any reason coverage available

Low medical expense limits for Essential Plan

• Trip cancellation coverage worth up to 100% of the trip cost
• Trip interruption coverage worth up to 150% of the trip cost
• Up to $1,000 in coverage for lost baggage
• Baggage delay coverage worth up to $300
• Travel medical expense insurance worth up to $50,000
• Up to $500,000 in emergency medical evacuation protection

10-day review period available

Preexisting conditions can be covered

Nationwide does not offer single-trip plans without medical or baggage insurance

• Up to $30,000 in trip cancellation insurance
• Trip interruption coverage worth up to 200% of the total trip cost (maximum benefit of $60,000)
• Trip delay coverage worth up to $250 per day ($2,000 maximum)
• Missed connection and itinerary change coverage worth up to $500
• Secondary coverage for baggage and personal effects worth up to $2,000
• Baggage delay coverage worth up to $600 for delays of 12 or more hours
• Accident and sickness medical expense coverage worth up to $150,000
• Emergency dental coverage worth up to $750
• $1 million in insurance for emergency medical evacuation
• Coverage for terrorism in a vacation destination

Choose from tailor-made plans for vacation rentals

Can only be purchased directly through vacation rental companies

Limited coverage options available (no option for rental cars or CFAR)

• Up to $100,000 in reimbursement for vacation rental expenses
• Trip delay coverage worth up to $750 (maximum of $200 per day)
• Coverage for emergency medical expenses and emergency medical evacuation (policy limits vary)
• Baggage delay insurance worth up to $1,000 per day ($200 per day)
• Emergency roadside assistance
• Worldwide emergency assistance services

Frequently Asked Questions

Vacation rental travel insurance works like any other type of travel insurance coverage. You pay a premium for the policy upfront, and you get varying levels of protection for trip cancellation or interruption, emergency medical expenses, emergency medical evacuation, lost or delayed baggage, and more.

You may not need certain types of travel insurance for trips in the U.S., such as coverage for emergency medical expenses if your own health insurance still applies. You may also choose to skip rental car insurance if you're using your own car and insurance for your trip. That said, it can still be beneficial to pay for travel insurance that covers trip cancellation and interruption, emergency medical evacuation, and more.

You can buy travel insurance online from top insurance companies. You may also be able to secure coverage with your vacation rental provider. Compare plans on TravelInsurance.com .

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel and travel insurance for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries, some of which have included vacation rentals within the U.S. and all over the world. Johnson lives in Indiana with her two children and her husband, Greg – a travel agent who has been licensed to sell travel insurance in 50 states.

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The essential guide to car rental excess insurance

Knowing whether you need to purchase car rental excess insurance is a good start when you decide to rent a car. Making sure you’re protected if there’s an accident is important, but do you need the extra car rental insurance options that are offered when paying for your rental ? The short answer is not always. But let’s find out more.

In this post

What is car rental excess insurance?

How much is the excess you have to pay for your car rental, what is covered by car rental excess insurance, how does it work, do i need a car rental excess insurance, what is the best way to cover rental car excess, the collision damage waiver as an alternative, frequent question about car rental insurance excess.

Car rental excess insurance cover (or supplemental car rental insurance) is a protection plan for a fee that provides coverage for out-of-pocket expenses you may incur if there’s an accident or damage to a car rental . Rental agreements can include an excess amount or high deductible that you are responsible for if a rental car is in an accident, stolen, or damaged.

Car rental excess cover or deductible amounts can vary wildly. Factors include the rental company, the rental car type , the location and the rental agreement terms. Excess amounts are usually outlined in the rental agreement and can range from a few hundred to thousands of dollars.

Depending on the policy’s terms and conditions, the insurance can cover some or all the costs should you get in an accident.

In the U.S., car rental companies will typically offer four types of coverage:

• Liability coverage: This can vary from state to state but it is meant to protect you if you hurt someone or damage property during an accident.
• Collision or loss damage waiver: The waiver helps cover the cost if you damage a rental car.
• Personal effects coverage: This covers personal belongings if they are stolen from a vehicle (though it’s worth noting if you have renters' or homeowners’ insurance, this will typically be covered).
• Personal accident coverage: This covers medical bills if you or your passengers are injured in a car rental accident.

In Europe, rentals nearly always include liability coverage, but not the risk associated with damage to the vehicle itself or theft. Since your personal U.S. auto insurance will not apply in Europe, you will have three main options:

• Buying a collision damage waiver from the car rental company
• Using zero-deductible collision coverage that comes with some credit cards
• Purchasing collision coverage through a travel insurance provider.

This depends. If you have liability and comprehensive insurance for your vehicle, the coverage likely extends to when you are driving a rental car in the U.S. for personal reasons. If you’re traveling abroad, for business purposes, or simply want more coverage, you might need extra rental car insurance.

In Mexico, for example, you must buy extra coverage from a travel insurance provider or a rental car company to satisfy the mandatory insurance requirements .

Other instances where you will want to consider purchasing extra insurance include if you don’t own a car and you rent one occasionally (in this case, you probably don’t have personal auto insurance), or if your personal policy only includes liability insurance and not comprehensive or collision coverage.

One of the best car rental excess insurance options or ways to cover rental car excess is to buy insurance from a third-party company. The price for extra protection insurance can be lower than buying additional coverage from a rental company.

The only downside is that if the car gets damaged, you’ll have to pay the rental company first and then claim it back to your insurance.

Car rental companies typically offer a collision damage waiver when you make an online reservation and again when you pick up the vehicle. When you buy one, the company forfeits the right to charge you for damages to the rental car , but note that CDWs typically don’t cover tire and side mirror damage or damage from “gross negligence,” such as speeding or driving while intoxicated.

Hopefully, we've taken the headache out of the rental car process at home and abroad, and if you're ready to rent a car for your next vacation, we're here to help.

How does KAYAK know what to put in this guide?

I have been traveling the world for over 20 years. I’ve rented cars in Mexico, Italy, France, Ireland, the U.K. and throughout the U.S. Some experiences went smoothly, while others did not, like when I rented a compact manual car and got stuck trying to drive up a steep Tuscan hillside. Through trial and error, I’ve learned when to purchase extra insurance and when not to. Renting a car can be intimidating, but with the help of KAYAK and through my experience and mistakes, I want to help you learn.

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Chase Sapphire Preferred Card Travel Insurance – 10 Frequently Asked Questions [2024]

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Chase Sapphire Preferred Card Overview

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The Chase Sapphire Preferred ® Card remains one of the most popular travel rewards credit cards for numerous reasons. Alongside excellent earning rates and a fair amount of benefits that justify the $95 annual fee, the card also offers numerous shopping and travel insurance benefits.

If you’re like most people, you hear the word “insurance,” and your eyelids start feeling heavy. Let’s be honest: Insurance isn’t thrilling. The terminology can feel confusing, leaving you with many questions about what exactly the travel insurance on your Chase Sapphire Preferred card does and doesn’t cover.

You have questions, and we have answers. Here’s a simple look at your most common questions about travel insurance on the Chase Sapphire Preferred card.

Chase Sapphire Preferred ® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Financial Snapshot

• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees: None

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Before moving any further, let’s ensure you’re familiar with the long list of travel protections built into the Chase Sapphire Preferred card :

• Auto rental collision damage waiver
• Baggage delay insurance
• Lost luggage reimbursement
• Travel accident insurance
• Trip cancellation and trip interruption insurance
• Trip delay reimbursement

You’ll also enjoy several other cardholder benefits and protections beyond travel insurance :

• Extended warranty protection
• No foreign transaction fees
• Purchase protection
• Roadside dispatch
• Travel and emergency assistance

Some of the benefits seem more obvious than others. And, as with all insurance, there are always specific terms to understand, exclusions to mind, and coverage limits . Let’s clear some of those up.

1. What Flight Insurance Does the Chase Sapphire Preferred Card Have?

When flying, you’ll have 2 types of insurance: travel accident insurance and trip cancellation and interruption insurance. Both types are in effect for trips for which you paid at least a portion of the cost with your Chase Sapphire Preferred card. Let’s look at each benefit.

Travel accident insurance applies to you and your immediate family members if one of you becomes permanently injured or dies while traveling. The cardholder benefit guide lists specific dollar amounts that you can be paid for specific injury types. The coverage is further divided into 2 categories: traveling on a common carrier and 24-hour coverage .

Coverage related to a common carrier covers both injuries and death resulting from your travel on a licensed air, land, or sea transport that regularly carries paying passengers . Think planes and ferries, for example. You’ll also be covered while at an airport, terminal, or station immediately before or after a trip, including courtesy transport to or from these places if provided as part of your trip. If your flight booking includes the airline picking you up from the hotel, this could be covered if all other conditions are met.

The 24-hour coverage applies around the clock and is valid on trips of up to 30 days. If you take a trip longer than this, coverage will end 1 minute after midnight on the 31st day, though it would come back into effect when you are in transportation to the airport for your flight home. If you drive yourself to the airport, coverage should resume once you are inside the airport .

This benefit reimburses you for the money you lose when a trip paid for (in whole or part) with your card is interrupted or canceled. Trip interruption is when you’ve started the trip and must end it early for a covered reason; trip cancellation applies to canceling a trip before it begins. The maximum benefit payout here is $10,000 per person and up to $20,000 per trip. Both the cardholder and immediate family members are covered.

Trip cancellation coverage begins when you make your first deposit toward the trip and ends when you depart on your scheduled departure date. Trip interruption starts on your scheduled departure date and ends on your scheduled return date. However, if these dates or times are adjusted for reasons beyond your or the carrier’s control, the benefit will adjust automatically .

What expenses are reimbursable? They include nonrefundable, prepaid travel expenses by a licensed supplier, such as a travel agency, hotel, shore excursion agency, etc. When canceling for a covered reason, you’re also covered for redeposit fees to get your airline miles back. Unfortunately, this benefit doesn’t cover lost money you paid for tickets to shows or theme parks, tee times at golf courses, museums, or other entrance fees unless they’re part of a tour package.

You’ll be covered for a few more situations with trip interruption coverage only . These include fees for returning a rental car early or to the nearest facility and up to $250 of expenses to transport you for necessary medical treatment. However, that doesn’t include medical transport (such as ambulances or medevac).

What if you paid with Chase Ultimate Rewards points and are due a refund under these benefits? You’ll be reimbursed according to the value on your travel supplier’s confirmation receipt, assuming that’s listed. If there’s no trip value listed on the receipt after you paid with points, you’ll be reimbursed at a value of 1 cent per point.

Covered Reasons

Not every reason for canceling a trip or ending it early is covered under these benefits. Covered reasons include accidental death or injury, a sickness requiring hospitalization, severe weather, a named storm warning, a change in military orders, a subpoena or call to jury duty, your home being burglarized or becoming uninhabitable, your hotel becoming uninhabitable, a public transportation strike that makes you miss 20% of a trip or a scheduled tour departure, and more. Consult the Chase Sapphire Preferred card benefits guide to see if your specific cancellation or interruption reason is covered.

Trip cancellation insurance doesn’t cover everything. For example, changing your mind about a trip is not covered. If your plans are subject to change, you may want to purchase Cancel for Any Reason (CFAR) travel insurance .

This part is a bit confusing, but yes. Chase’s benefits guide for the Chase Sapphire Preferred card states explicitly that cruise lines aren’t included in the definition of a “common carrier.” However, cruise lines are included in the definition of a “travel supplier.”

Why does this matter? Many of the trip cancellation and trip interruption benefits only apply to travel with a common carrier, which doesn’t include cruise lines. However, some benefits do apply to cruises . These include stolen luggage benefits or even canceling a trip if delays mean you’ll miss at least 20% of the trip or that you’ll miss the departure of your cruise ship.

The travel accident and injury benefits also apply while you’re cruising, but it’s worth noting that returning late to your cruise ship, only to find it’s left for the next island without you, isn’t a covered expense. You’ll be on your own for the costs of catching up to your ship.

There are 2 types of baggage protection here: coverage for delayed bags and coverage for lost, stolen, or damaged luggage. Baggage delay insurance covers up to $100 per day for up to 5 days when your bags are delayed by at least 6 hours, covering each additional 24 hours past that until the maximum of 5 days is reached. This benefit applies to you and your immediate family members when you pay for at least part of your trip with your Chase Sapphire Preferred card. You don’t need to be traveling with your immediate family members for them to be covered , as long as at least part of their trip was paid for with your card, which can be a nice perk if you book travel for relatives.

Coverage begins on the scheduled departure date and ends on the scheduled return date, though coverage adjusts automatically if there are changes outside your or the travel provider’s control. There’s also a list of non-covered items, such as medical devices, losses due to war/conflict, electronics, and cash equivalents. In case of baggage delay, you must report it to the travel provid er as soon as possible and keep receipts for necessary expenses you incur ; you’ll submit these for reimbursement afterward.

Lost luggage reimbursement is different; it covers lost, stolen, or damaged luggage during your trip. Both checked and carry-on bags are covered up to a maximum of $3,000 per person per trip. However, there’s a limit of $500 for jewelry, watches, and electronics.

There are some specifics to understand about this coverage, however. First, it doesn’t cover items you leave behind by accident . Second, coverage applies to you and immediate family members (even if you aren’t traveling with them) so long as you paid for at least part of the trip with your Chase Sapphire Preferred card. Coverage is available from the scheduled start to the scheduled end of your trip, but it is automatically adjusted if there are uncontrollable delays to either date.

Coverage applies to common carriers and cruise lines, and you must report the loss, theft, or damage within the timeframe specified by your travel provider. Then, the coverage on your Chase Sapphire Preferred card will cover any difference in the value of your monetary loss (after depreciation of the items) and the payment you receive from the travel provider . Thus, this is secondary coverage. It’s worth noting that documents, furs, tickets, and cash-like items aren’t covered.

Accidents can happen on any trip, from accidentally slipping on the wet deck of a cruise ship to spending nights in a hospital at a far-flung destination. Does your health insurance at home cover you when you head to Florida? What about South America? These are questions worth asking. If your medical coverage won’t be in effect, it’s worth considering medical travel insurance .

The Chase Sapphire Preferred card includes travel accident insurance for you and your immediate family members . It’s in effect if you pay at least part of the airfare for your trip with this card. You’ll receive varying maximum payouts depending on the type of injury (or death) encountered during your trip, and the maximum limit also depends on whether the accident occurs while traveling on a common carrier or at some other point during your trip . The 24-hour benefit provides maximum coverage of $100,000, increasing to $500,000 when traveling on a common carrier.

But how does this work in practice?

If more than 1 person is injured , the benefits administrator will pay no more than 2 times the maximum limit for each type of injury. That sum will be divided among all covered persons eligible for benefits payments.

In case of death , the benefits administrator will give the money to your named beneficiary. If you haven’t named a beneficiary, the order of preference goes from a spouse or domestic partner to children, then parents, siblings, and finally, your estate. If you go missing and haven’t been found after a year, then this will trigger the “loss of life” benefit.

Coverage begins either when you reach the airport, station, or terminal for travel on a common carrier or when you enter courtesy transportation provided to take you to the point at which your trip begins, such as a train station or airport. If you didn’t buy your tickets in advance but are purchasing them when you arrive at the station, coverage begins once you make the payment for travel. Coverage ends after you leave the transportation vessel or exit the courtesy transportation provided afterward.

The 24-hour coverage functions a bit differently. It’s in effect around the clock for up to 30 days, starting from your scheduled departure for air travel. If your trip is longer than 30 days, coverage will pause 1 minute after midnight on the 31st day and resume when you reach the airport for a flight home or are in courtesy transportation to the airport for the flight home.

Obviously, there are exclusions. You aren’t covered if you’re a pilot or crew member on a flight, you get injured while committing a crime, you get injured while skydiving, your injury is self-inflicted, or you’re injured in a war.

Lastly, you may wonder how COVID-19 factors in . The benefits guide says this under covered losses: “Quarantine of you or your traveling companion imposed by a physician or a competent governmental authority having jurisdiction, due to health reasons.”

Thus, your illness could be covered if a doctor or government requires quarantine related to COVID-19. COVID-19 is generally covered under most travel insurance policies in the same way sicknesses are covered. However, not traveling to avoid COVID-19 risks isn’t covered. As the benefits guide says, “Your disinclination to travel, a country closing its borders, or a travel supplier canceling or changing travel arrangements due to an epidemic or pandemic.”

Hotels aren’t treated separately under the Chase Sapphire Preferred card travel insurance terms. If you must cancel or interrupt a trip for a covered reason, then your hotel cancellation fees can be covered. This would include situations like forfeiting a first night’s room cost for canceling your hotel booking at the last minute, assuming you couldn’t arrive for a covered reason, such as a travel delay or a last-minute injury that made you unable to travel.

While you won’t find the word “Airbnb” or even “vacation home” in the benefits guide, you will find a description that covers these types of rentals :

“Provider of Lodging – a hotel, inn, motel, bed and breakfast, or hostel; a Provider of Lodging includes non–commercial time shares, condominiums, or rentals of a private residence; such rental shall require a written contract between You and the property owner or management company, executed in advance of the commencement of the rental period …” Chase Sapphire Preferred card benefits guide.

So long as you’ve reserved your rental in advance and have a written contract — which Airbnb provides at the time of booking, courtesy of your confirmation details — your vacation home rental should count as a type of lodging. The contract must state the cancellation provisions, must not include a rental of more than 60 days, and your booking must be made directly with a licensed website or agent — not with the homeowner directly (unless that person is a licensed agent).

Airbnb is a covered lodging type, meaning your booking should qualify for trip interruption, trip cancellation, and trip delay coverage .

In short, yes. However, there are some exclusions. Since your personal auto insurance policy may not cover you abroad, it’s great to know that paying with your Chase Sapphire Preferred card and declining the rental company’s collision damage waiver can provide protection on your next rental .

You can be covered up to the actual cash value of most rental cars against theft or collision damage. Coverage can include administrative fees, loss-of-use charges, and even towing charges. Coverage applies to rentals up to 31 days and covers you plus any additional drivers listed on the rental contract .

You’ll need to use your card (or your points) to pay for the entire cost of the rental , and most vehicle types are covered by this primary insurance. However, coverage doesn’t apply to exotic or antique cars, high-value vehicles, cargo vehicles, motorcycles, RVs, or vans with seating for more than 9 people (including the driver). Note that Teslas qualify as high-value vehicles, so these aren’t covered .

The benefits guide doesn’t spell out any specific excluded countries . However, Visa typically excludes coverage in Israel, Jamaica, and Northern Ireland, plus you may not be able to use your card to pay for a rental (and thus coverage won’t be in effect) with U.S. Treasury Department monetary embargoes . These destinations include places where your credit cards won’t work, such as Cuba, Sudan, Syria, and North Korea.

Unfortunately, no. Because Turo and Zipcar rentals aren’t considered rentals from a rental car agency, most credit card rental car insurance doesn’t cover them .

To file a claim, you should first gather all of the documents related to your claim . These can include receipts, accident reports, police reports, photos, hospital records, or anything else pertinent to the type of claim you’re making.

Next, you can call the benefits administrator at 866-390-9735 or visit eclaimsline.com to submit online . Different claims have different required timelines. For example, auto claims must be filed within 100 days of the incident. However, you need to file within 90 days for baggage delays or losses, but you’re supposed to contact the benefits administrator within 20 days of these incidents to at least provide notice, even though you have 90 days to finish submitting the claim.

This question will be subjective, and different people will arrive at different conclusions. Travel insurance can be useful for the unexpected, but no 2 trips are equal. The best way to decide whether you need additional insurance beyond what the Chase Sapphire Preferred card offers is to look at what it doesn’t cover.

Will you be skydiving? Do you have significant trip expenses related to Turo rentals or short connections that could cause domino effects if you miss a departure time? Are you renting an RV or going camping — types of travel not covered by the Chase Sapphire Preferred card?

If you have prepaid, nonrefundable expenses that wouldn’t be reimbursed by your credit card’s travel insurance in the event of delays or cancellations, getting a travel insurance policy that covers these could be a good idea and could provide peace of mind. That said, not every travel activity is covered by every travel insurance policy, so you want to make sure you choose a policy that covers your expenses for your particular trip .

If you look at your trip and decide that your flights, hotel plans, and simple plan of just relaxing at the beach will be covered by the Chase Sapphire Preferred card, then purchasing an extra policy probably isn’t necessary.

The Chase Sapphire Preferred card offers numerous protections for purchases and trips. Insurance terms can feel confusing, but hopefully, the explanations of these policies should clarify what is and isn’t covered, as well as policy limits, in a way that helps you know whether the coverages are sufficient for your upcoming travels.

Want to learn more about what else this card offers beyond travel insurance? Consult our full Chase Sapphire Preferred card review .

Frequently Asked Questions

Does the chase sapphire preferred card have trip insurance.

Yes, it has several types of travel protections. Cardholders get rental car insurance, baggage delay insurance, lost and damaged luggage reimbursement, travel accident insurance, trip cancellation and interruption insurance, and trip delay reimbursement.

How to file a claim with the Chase Sapphire Preferred card travel insurance?

You can call the benefits administrator at 866-390-9735 or visit eclaimsline.com to submit online. Each claim type has different required documents and a different required submission timeline, so check your benefits guide for your specific claim type.

Does the Chase Sapphire Preferred card reimburse for travel cancellation?

Yes, you can be reimbursed for monetary losses of up to $10,000 per person and up to $20,000 per trip if you cancel for a covered reason. You’ll need to pay for at least part of your trip with your Chase Sapphire Preferred card, and the cancellation must be for a covered reason, such as death, injury, or being called to active military duty.

What insurance does Chase Sapphire Preferred card cover?

The Chase Sapphire Preferred card has several types of travel protections. Cardholders get rental car insurance, baggage delay insurance, lost and damaged luggage reimbursement, travel accident insurance, trip cancellation and interruption insurance, and trip delay reimbursement. Cardholders also get shopping insurance benefits, such as purchase protection and extended warranty protection, plus other benefits like roadside dispatch and travel and emergency assistance services (though these are pay-per-use benefits).

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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RV Rental Insurance: Why You Need it And What It Covers | Money

R enting a recreational vehicle remains popular, not least due to the trends to higher hotel costs and lower gas prices compared with the pandemic levels for both expenses. (Gas prices really count for RVs, since they can travel as little as 4 miles on a gallon of gas, according to rental site RVShare.)

But before you get the keys to one of these hotel-rooms-on-wheels, be aware that RV rental insurance can be more complicated – and a lot pricier – to get than coverage for a rental car. Insurance can add upwards of $20 per day to your RV rental costs if you find you aren’t covered by your car insurance at home. And some strategies to eliminate or reduce the cost of insurance for rental cars don’t work for rental RVs; for example, it’s very unlikely you can rely on free coverage through using a particular credit card.

Here’s what you need to know about insuring your mobile home-away-from-home, including tips on finding and buying from the best RV insurance companies.

Table of Contents

• How does RV rental insurance work?
• What does RV rental insurance cover?
• How to get RV rental insurance
• What to consider before choosing RV rental insurance
• What is the average cost of RV rental insurance?
• 5 tips for finding the right RV rental insurance
• What are the best RV rental insurance companies?
• Frequently asked questions
• How we chose the best RV rental insurance

How does RV Rental Insurance Work?

Like rental car insurance, RV rental insurance offers temporary insurance coverage while driving an RV, camper van or travel trailer. You can buy RV insurance through your RV rental company if your regular auto insurance doesn’t already cover it, at least in part.

Some rental companies let you choose your level of coverage. They then bundle the cost of your insurance policy with your daily rental cost, so you don’t have to worry about making multiple payments.

Because RVs are generally larger and come with more hazards than standard cars, comprehensive coverage is typically more expensive for these vehicles than for a rental car —$70 per day or more, in some cases. Still, renting a small RV is one of the cheapest ways to take a road trip , so that extra insurance cost may be well worth it in the long run.

What does RV Rental Insurance Cover?

RV rental insurance policies cover physical damage to the vehicle while you’re renting it. They also cover your liability if you get into an accident while driving — meaning you won’t have to pay out of pocket for damage caused to another driver’s vehicle. Here’s an overview of what to expect from your RV insurance coverage:

Basic liability coverage is required whenever you rent a car or RV. Each state has its own minimum liability coverage requirements, so you’ll need at least the amount of coverage required in the state where you rent your RV.

The most basic coverage could leave you vulnerable

The most basic RV insurance, whether added by the RV agency or bought by you, generally provides only the state minimum levels of liability. Those levels likely offer less protection than your auto insurance policy and less than experts such as Consumer Reports and the Insurance Information Institute recommend.

An RV has more components that you could damage than a typical car. If you pay for comprehensive coverage on top of collision and liability protection, confirm that it will cover you for, say, fire and smoke damage should you start a fire with the RV’s stove.

To avoid being underinsured, consider increasing the liability you carry on the RV, despite the additional cost. Moving up from the state minimums to a more-than-ample $1,000,000 in liability costs an extra $14.95 a day with MBA Insurance. RVshare’s basic coverage is included in its rentals but only to state liability minimums of up to $100,000, according to the insurer’s website. Stepping up to the Preferred package triples the liability coverage to $300,000 (an amount many experts recommend) but requires you to pay an additional $21 and up a day in premiums.

Your home insurance should cover your personal possessions

As when renting a car, the items you bring from home to the RV should be protected by your homeowners or renters insurance . So you should be made whole if items are stolen or damaged while in the vehicle.

Some caveats do apply to such protection under your home insurance. For starters, the same deductible — likely of $500 or more — applies just as it would as for any other claim under your policy. That means you’ll get little or nothing back unless the value of what’s stolen is substantial.

Also, keep in mind that as with a claim for a loss at home, making a claim for personal items lost during an RV rental could risk an increase in your home insurance premium when you renew. Also, you might face limits on the coverage of valuable items such as jewelry under your home policy, unless you’ve added extra-cost policy “floaters” or “endorsements” for those items.

You can also protect yourself by buying a stand-alone travel insurance policy, which will cover theft of your belongings together with other perils, such as trip cancellation due to accident or illness. A policy typically costs 5% to 12% of the trip’s cost, according to travel expert Rick Steves. He recommends considering if you really require coverage and, if so, making sure that the policy you buy covers your most valuable possessions.

How to get RV Rental Insurance

There are a few different ways to get RV rental insurance: through the rental company, through your auto insurance company or through a third-party insurer. Here’s what’s involved with each.

1. Through the rental company

If you aren’t covered by your own car insurance, you can buy a policy for the RV as an add-on during the rental process. Chances are you will rent your RV from either a commercial rental business or through sharing sites such as RVshare or Outdoorsy. Either way, if you lack your own insurance, you will likely be offered it as part of the transaction. Rental platforms like RVshare can bundle your insurance cost with the daily cost of your rental.

2. Through your auto insurance provider

Before you buy an RV insurance policy from your rental company, check that you aren’t already covered by your auto insurance. Car renters benefit from their auto insurer extending much of the same coverage to the cars they rent as to the vehicles they own. While not all companies allow such coverage for an RV, it’s worth a call to your insurance company to find out.

Even companies that allow it may not do so in all states or for especially long rentals — say, of more than a month. Companies that generally extend coverage include USAA, according to a spokesperson, and State Farm, which allows coverage of an RV in most states under your auto insurance for up to 30 days with no advance notice required, according to public affairs senior specialist Anna Bryant.

However, you should confirm that your collision coverage will extend to the full value of the RV, which will very likely be more than the value of your own car. State Farm is among the insurers that offer this extension, says Bryant. “We understand there may be times we could end up settling a claim on a rented vehicle for more than we would for an owned vehicle.”

3. Through a third-party insurance provider

Some agencies and sharing sites simply arrange to send their renters over to an RV insurance company with whom they contract, such as MBA Insurance. There, the renter selects and pays for the level of coverage they want.

If you’re renting your RV from an individual RV owner on Outdoorsy or another site, they might offer temporary coverage and roadside assistance through a platform like Roamly, which covers the renter and owner together.

What to consider before choosing RV Rental Insurance

Before you start shopping for RV insurance, here are a few important considerations to keep in mind.

1. Insurance requirements

Ensure you’re clear on the insurance requirements in the state in which you’re renting the RV. These requirements might be different from those in your home state. The basic insurance plan offered by your RV rental company should meet local bodily injury liability and property damage liability requirements.

2. The value of the RV

If you get into an accident and your insurance coverage is lower than the cost of damages to your RV, you might be liable to pay the difference. That’s why it’s essential to know your vehicle’s value and insure yourself accordingly.

If you’re renting a pop-up trailer or fifth wheel, the value of your rental is probably lower than a Class C RV or camper van. Talk to your rental company about the value of your RV before committing to a plan.

3. Deductibles

Along with choosing your level of coverage, you must select your deductible. A higher deductible can sometimes mean a lower premium. However, you will have to pay that higher amount in case of an accident, so you shouldn’t consider a low deductible as an easy way to cut costs without giving through to how much you could actually afford to pay if the worst were to happen.

4. Additional coverage options

Your RV rental company or third-party insurer might offer additional coverage options, such as towing and labor, roadside assistance, glass replacement and more. Additional coverage isn’t required to rent your RV, but it might provide more peace of mind as you set out on your road trip.

What is the average cost of RV Rental Insurance?

On average, RV rental insurance costs between $15 and $30 per day, but it could be many times higher than that, depending on the extent of coverage and the value of your RV.

Factors that affect RV insurance cost

Determining the cost of your RV insurance policy are a number of considerations, including:

• The type of RV (Class A, B or C, or a travel trailer). Class A motorhomes generally have the highest insurance premiums, while a policy on a tent trailer or fifth wheel is generally more affordable.
• The age of the RV
• State minimum liability requirements
• Your driving record
• Any add-on coverage you choose
• The deductible you select

5 tips for finding the right RV Rental Insurance

You can’t skip the need for insurance if you’re renting an RV. But you can take some time to compare your options and ensure you’re getting the best coverage for your trip, experience and budget.

1. Check with your auto insurer first

Before you buy an insurance policy from your RV rental company, check with your auto insurer. Chances are high that you’re covered under your normal auto insurance, although the odds drop significantly if you’re renting a larger RV (that weighs more than 12,000 lbs) or for a period of 30 days or more. Your insurance company might also offer additional temporary coverage for the length of your trip.

2. Know the value of your RV

Even if you haven’t picked out the exact RV you want to rent, you should know your vehicle’s class and estimated value before you start comparing policies.

3. Consider your priorities

If you need to pay for coverage, are you prepared to pay a higher deductible for a lower premium? What add-on coverage, if any, do you want for your trip? Review your options and ensure you know the type of coverage you’re looking for before requesting a quote.

4. Get quotes from multiple providers

Whether you’re buying insurance from a rental company or a third-party provider, ask for an insurance quote before you buy your policy. Comparing quotes can help you get the best deal for the coverage you’re looking for.

5. Make sure your personal possessions are covered by your home insurance

Adequate coverage is about more than the RV itself. Check whether your homeowners or renters insurance provider will cover loss or damage to your personal items while you’re on the road.

What are the Best RV Rental Insurance Companies?

Plenty of companies that offer auto, home and travel insurance also offer RV rental insurance. Here’s a quick breakdown of three popular RV insurance providers.

Keep in mind that these are third-party providers. You should compare quotes from these companies with your rental company’s policy to make sure you’re getting the best deal.

• Nationwide: Multiple discount options available, optional towing coverage, and the option to bundle with your auto or renters insurance
• Progressive: Flexible deductibles, offers accident forgiveness, optional roof malfunction and pet injury coverage
• Good Sam: RV-specific insurance agency that’s ideal for full-time RVers

RV Rental Insurance FAQs

Is rv rental insurance necessary, what are the requirements for rv rental insurance, are there any restrictions on the type of rv that can be insured, does rv insurance typically provide coverage in other countries, how we chose the best rv rental insurance.

To narrow down the best companies for RV rental insurance, we looked for a few crucial features and then compared quotes.

We first looked at each provider’s available coverage options. Great RV rental insurance providers offer a wide range of policy options. Choosing your coverage level and deductible allows you to customize your policy to fit your budget and vacation.

We also considered the customer service track record of each insurance provider. Nationwide, Progressive and Good Sam are all insurance companies that, according to customer reviews, have an easy claims filing process. All offer a free quote before you buy your policy.

When choosing a provider for RV rental insurance, make sure to do your homework so as to get coverage that meets your needs.

© Copyright 2023 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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The Guide to Capital One Venture X Rental Car Insurance

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Table of Contents

How the Capital One Venture X Rewards Credit Card rental car insurance works

What is covered, notable exclusions, who is covered, how to file a claim, capital one venture x rental car insurance recapped.

When you rent a car during your travels, you usually aren’t thinking about what happens if you crash your car. that is, until the agent at the rental car desk paints that worst-case scenario during their collision damage waiver pitch.

Should you pay extra to cover your car in the case of an accident? Not if you hold the Capital One Venture X Rewards Credit Card .

The Capital One Venture X Rewards Credit Card features primary auto rental collision damage waiver insurance that covers damage caused by theft or collision. If you're involved in a fender bender, you can rely on your credit card coverage to pay for damage to your rental car without making a claim against your personal auto insurance .

Although it’s a great idea to use your Capital One Venture X Rewards Credit Card to book your rental cars, the auto rental collision damage waiver benefit on the card doesn’t cover everything — or every trip.

Every credit card car rental insurance requires you to use the card for your rental transaction and decline the car rental company’s collision damage waiver option. The car rental coverage provided by the Capital One Venture X Rewards Credit Card is no different.

Simply being a Capital One Venture X Rewards Credit Card member isn’t enough — you must use the card to cover your rental transaction and decline the collision damage waiver offered by the rental counter.

Be aware that some rates include collision damage waiver insurance. If you book using one of these rates, you won’t be covered by the Capital One Venture X Rewards Credit Card car rental insurance on that rental.

» Learn more: Is the Capital One Venture X Rewards Credit Card worth the annual fee?

The most important thing to understand about Capital One’s car rental insurance is what it covers. It covers only the following types of losses:

Damage to a rental car caused by a collision.

Loss of a rental car due to theft.

While your card’s insurance coverage will reimburse you for damage to your rental car, an accident can also cause damage to another driver’s vehicle or result in bodily injury.

If you injure someone (including yourself) in an accident or if you damage someone else’s vehicle, the Capital One Venture X Rewards Credit Card car rental insurance won’t cover these losses. Here are some items that are not covered by Capital One’s rental car insurance .

Personal liability.

Loss or theft of personal belongings.

Bodily injuries of any kind to anyone.

Damage to anything other than the rental vehicle.

Wear and tear or mechanical breakdowns.

Most likely, you’ll want travel insurance or personal auto insurance to shield yourself from liability, in case you are involved in an accident that damages someone else’s car or causes an injury.

Finally, Capital One car rental insurance covers rental periods of only 15 or fewer consecutive days within your country of residence. Rentals outside your country of residence are covered up to 31 consecutive days.

Certain vehicles

Capital One car rental insurance is meant to cover rentals of non-luxury passenger vehicles. The policy will pay only for the actual cash value of cars with a manufacturer's suggested retail price (MSRP) of up to $75,000 when new, so extremely expensive luxury cars won’t be covered.

If you’re renting a Toyota Corolla, you’re going to be covered. If you want to drive an Aston Martin, you’ll need to find other insurance. Here are some of the types of automobiles that are excluded:

Expensive automobiles with an MSRP of over $75,000 when new.

Antique vehicles that are over 20 years old or have not been manufactured for 10 years.

Vans, other than those designed for small-group transportation and seat up to nine people.

Trucks and vehicles with an open cargo bed.

Two-wheeled vehicles like mopeds, motorcycles and motorbikes.

Limousines.

Recreational vehicles.

» Learn more: Credit card rental car insurance may not cover renting an electric car

Certain destinations

Most car rental insurance policies provided by credit cards exclude certain countries from coverage. Your

Capital One Venture X Rewards Credit Card car rental insurance does not cover rentals in Israel, Jamaica, the Republic of Ireland or Northern Ireland.

» Learn more: Is the Capital One Venture X card worth its annual fee?

Capital One provides rental car damage and theft coverage only to you, the person whose name is embossed on your eligible Capital One Venture X Rewards Credit Card . You must reserve, pick up and pay for the rental car and be listed as the primary driver.

Additional drivers on the rental car are covered by your Capital One car rental insurance, but you (the cardholder) must be the primary renter of the car.

» Learn more: How to maximize the Venture X card

If you have an accident or your rental car is stolen, you will need to call the car rental benefit administrator to report the incident as soon as possible, regardless of your liability.

Within the U.S., call 800-825-4062. If you’re traveling outside the U.S., you can make a collect call to 804-965-8071. You can also initiate your claim online at https://www.eclaimsline.com/ .

Be sure to submit your claim form within 90 days of the date of theft or damage or your claim may be denied. Submit the claim form even if you don’t yet have access to all other requested information.

To prepare to submit your claim, you’ll want to collect documentation that will be needed to process your claim. Here’s what you should collect and be prepared to submit to the benefit administrator.

The accident report form provided by the rental company.

A copy of the front and back of the initial and final rental agreements.

A copy of repair estimates and an itemized repair bill.

At least two photographs of the vehicle.

A police report, if one can be obtained.

A copy of any demand letter you receive from the car rental agency.

You’ll also need to fill out a claim form and submit the above documentation, plus a copy of your credit card billing statement including the rental charge. The benefit administrator may also request additional documentation to validate your claim.

Your claim will usually be processed within 15 days after the benefit administrator has received all requested documentation.

» Learn more: The best travel credit cards right now

The Capital One Venture X Rewards Credit Card offers car rental insurance that covers damage to or theft of your rental vehicle when you decline the car rental company’s collision damage waiver insurance and charge the entire rental transaction to your credit card.

The coverage does not include liability coverage of any kind or cover trips longer than 15 days in your country of residence or 31 days abroad. Be sure to check your card’s Guide to Benefits for coverage details.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

1%-10% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Terms apply.

$200 Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

2x-10x Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, Earn unlimited 2X miles on all other purchases.

75,000 Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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Journey through Vietnam

13 nights’ accommodations in Deluxe and Superior First Class hotels.

Encounter Vietnam’s breathtaking natural beauty, abiding tradition, and profoundly hospitable people on this comprehensive 15-day small group journey. Get acquainted with French-accented Hanoi and explore stunning Ha Long Bay.  Staying in a beachfront hotel in Da Nang, tour the acclaimed Cham Museum and Hoi An’s charming Old Town.  Enjoy a cooking lesson and visit a farming settlement.  Explore Hue’s vast Imperial Citadel.  With two nights in the storied Mekong Delta, experience river life, visiting a floating market.  A three-night stay in vibrant Saigon concludes the journey.  Discover Angkor Wat’s amazing temples and Phnom Penh with an optional 5-day/3-night post-tour extension. 

Price: 

$4,797 air inclusive price from San Francisco [including airline taxes/fees of $602, which are subject to change]

For more information or to reserve your place on tour, please call the tour operator ODYSSEYS UNLIMITED toll-free at 1-888-370-6765. 

Physical level:.

Consistent amount of walking most days, about 2-4 miles per day. These trips feature long touring days and may include travel via various modes of transportation. Travelers are expected to board transportation without assistance as well as stand and walk over uneven terrain including cobblestones for extended periods of time. Some tours may include activities and travel at higher altitudes. Elevators are not always available at sights or all hotels.

Event Category

Money latest: Seven tips for getting a free upgrade on a plane

The time you fly, how often you use the airline and how you dress could all help you getting a bump into business or first class. Read this and all the latest consumer and personal finance news below, plus leave a comment in the box.

Thursday 2 May 2024 06:52, UK

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Ask a question or make a comment

It's not uncommon to feel uncomfortable with flying - but we'd probably all feel a bit better if we were sitting in first class, wouldn't we? 

The lucky few might be able to pay for themselves, but for the rest of us, frequent flyer experts Flight Hacks have shared their top tips to get a free upgrade (and you can let us know your tips for getting upgrades in the comments box above)...

Stay loyal to one airline

Many airlines have a rewards scheme that offers free upgrades, early check-in and even free flights to loyal customers. 

One research survey found 80% of staff said a customer in the airline's frequent flier scheme would be more likely to receive a free upgrade.

Plus, getting early check-in could place you first in line to secure a seat in the plane's front section.

Travel alone or during quieter times

Let's face it, a single person on an empty flight is much more likely to get an upgrade than a family of six on a booked-out plane. 

Try flying in the middle of the week or at off-peak times to get a quieter plane. 

Dress to impress 

If you're dressed smartly and look like a frequent flier, this can boost your chances of getting an upgrade. 

Business travellers are an airline's favourite type of passenger as they fly regularly and are more likely to spend freely on their company cards - so it could be worth dressing in business attire. 

Don't be afraid to ask

It doesn't hurt just to enquire, as long as you're polite. 

Be flexible

Airlines will frequently overbook flights to compensate for no-shows and ensure the planes are full. 

If there aren't enough seats after everyone checks in, they will often offer incentives to passengers willing to switch to a later flight.

This can mean seat upgrades or cash incentives. 

Take advantage of special occasions

If it's your birthday, honeymoon or a special anniversary, it could be worth casually dropping this into conversation with the check-in staff. 

Be polite when checking in

Perhaps all of these tips should be caveated with the need to remain polite. 

As there is often no strict criteria on how airline staff may choose to give out free upgrades, the number one tip is to be nice. 

Travel expert Immanuel Debeer, from Flight Hacks, says "being respectful and friendly is by far the best way to increase your chances of an upgrade". 

"There are plenty of simple tricks to increase your chances of getting an upgrade, but the most important thing to remember is that airline staff are human."

Every Thursday Savings Champion founder Anna Bowes  gives us an insight into the savings market and how to make the most of your money. Today she's focusing on  ISAs after new rules came in last month. ...

New ISA rules were introduced from 6 April that should make opening and funding ISAs simpler. But what many people may not realise is that ISA providers do not need to implement most of the new rules – and many haven't yet, or may have no intention of doing so.

As a result, savers have been left scratching their heads, unsure if their ISA provider will allow them to make use of the rules or not.

What are the key new rules?

Harmonise ISAs to those over 18:  This is not an optional change. The minimum opening age for adult cash ISAs is now 18, so not good news for those aged 16 and 17 who previously could have funded a junior ISA and an adult cash ISA.

Allowing multiple ISA subscriptions:  People should now be allowed to open and pay into multiple ISAs of the same type in a single tax year. Previously people could only pay into one of each type of ISA every tax year, unless their ISA provider offered what we called "portfolio ISAs". 

A portfolio ISA (other names for this have been used such as "ISA wallet" with Paragon Bank) allows savers to open more than one cash ISA with the same provider in the same tax year - but only a small number of providers offer it, such as Paragon, Aldermore and Charter Savings Bank, Nationwide and Ford Money.

With the new rules, savers assume they can open more than one ISA with either more than one provider or with the same provider. However, our research has shown that while many providers will allow you to open another cash ISA with them if you have already opened and funded an ISA with someone else in the current tax year, this doesn't mean they have adopted the portfolio ISA rule – so you may not be able to open two ISAs with them.

Partial transfers allowed:  Partial transfers of ISA funds for the current tax year should be allowed, rather than being forced to transfer the whole amount of your current tax year ISA. Previously you could only make a partial transfer of old ISAs; you'd have to transfer the current tax year's ISA entirely. 

Once again not many have adopted this rule yet.

The bottom line

So, while in theory these new changes should have made ISAs more flexible, in reality they have added an extra complication for savers and the bottom line is that you need to ask your existing and potential ISA providers about which of the rules they have adopted or are looking to adopt.

The pet supply retailer has opened two convenience stores in a move to branch out from its typical retail park sites. 

The stores, which are in Sutton, south London, and Whetstone, north London, will sell a range of pet owner essentials and offer an advice counter. 

They are much smaller than the usual Pets at Home stores and will not have the typical vet and grooming services. 

Speaking to Retail Week, the chain did not confirm whether it would be opening more high street stores in the future. 

Pets at Home Sutton store manager Rachel Etherington told the news outlet the location would "allows us to provide pet owners with convenient access to all their pet care essentials, as well as expert advice from our specially trained colleagues, right on their doorstep". 

The Fed has issued its latest policy statement, announcing it will keep interest rates at the same level. 

It did note inflation has eased over the past year, and it is still leaning towards eventual reductions in borrowing costs. 

However, it pointed to recent disappointing inflation readings, suggesting moves towards more balance in the economy had stalled. 

If you're wondering why we're telling you this, it's because there is a link between the Fed's interest rate and the Bank of England's base rate. 

The interplay between the two can affect the value of the pound and currency alternatives such a gold.

Market expectations for the UK base rate are often heavily influenced by what's going on in the US. 

Untreated sewage was released into designated shellfish waters for 192,000 hours last year, new research has found.

The hours of sewage dumping were spread across 23,000 separate incidents.

Some fishing waters in Cornwall were forced to close last year after high levels of e.coli were found in oysters and mussels, and norovirus can also be transported via human waste.

Read the full story here ...

Shares in luxury carmaker Aston Martin have plummeted as much as 14% today after it announced bigger than expected losses. 

Aston Martin revealed adjusted pre-tax losses of £111m for the first three months of the year, compared with £57m a year earlier. 

Analysts had expected a loss of £93m. 

The losses were due to higher finance costs and the timings of its car launches.

B&Q is introducing plastic plant pot recycling stations at more than 100 of its stores across the UK. 

Customers will be able to drop off their unwanted pots in store so they can be recycled and turned into new planters. 

B&Q's 100% recycled plastic Blacksmith Planters will be available in stores for £4. 

UK supermarkets could soon see a "healthier" version of white bread, according to scientists.

A team of researchers at Aberystwyth University will be studying the milling and blending process for white flour.

Peas, beans and oats could be added to wheat flour to boost its nutritional value.

The research project has been funded by Innovate UK, the UK's national innovation agency.

Parents taking their kids to Taylor Swift concerts this summer might be worried their lack of knowledge will leave them feeling a bit left out.

But what if we told you you could be a mastermind?

That's the promise of a new college course ahead of the biggest pop star in the world hitting the UK in June.

The 7 May course, which is run by the  Glasgow Cylde College and is free, will give members of the public a jam-packed session that will leave them ready for the singer's upcoming  Eras Tour.

Those who enrol in a one-off college masterclass will learn about the pop star's music, set lists, crowd chants and even her "evolving wardrobe and hairstyles".

A statement on the college website reads: "Ahead of her hugely anticipated arrival, Glasgow Clyde College is offering a one time-only masterclass aimed at preparing parents and plus ones of Taylor superfans, providing the full Love Story on all things Eras Tour to help them have the best night of their lives.

"From set lists and crowd chants to need-to-know information on each Era, the masterclass, which is being delivered by a Taylor Swift expert, will give people a whistle-stop lesson that'll leave them ready for the gig."

You can book your Swiftie masterclass here .

The cocoa market is in a particularly turbulent period, with the price of the ingredient falling to its lowest level in a month. 

It comes after prices reached their highest peaks in more than four decades earlier in the year, making it reportedly more expensive than copper. 

Traders had been betting on an acute supply shortage driven by poor harvests in West Africa. 

However, the rally made it more expensive to maintain positions and prompted traders to pull out of the market - leaving the product vulnerable to big price swings. 

The price has now fallen by 16% since the end of last week, offering some relief to chocolate makers/eaters.

The fast food giant has revealed its chefs have created a "larger, satiating burger" in a bid to boost sales, according to Bloomberg. 

The mega-sized burger is reportedly designed to attract customers who want more filling patties. 

It will be introduced in certain markets first to test its appeal. 

McDonald's unveiled plans in December that bosses hope will boost growth by focusing on core menu items. 

The chain has seen sluggish sales, partly due to its perceived support of Israel in Middle East and Muslim-majority markets. 

McDonald's has denied taking any position in the ongoing conflict and said it is not responsible for the actions of its franchisees.

So far, it has launched an ad campaign highlighting what it says are improvements to its Big Mac, quarter pounder with cheese and double cheeseburger.

This is apparently the first time in the company's 84-year history that it has made changes to its classic burgers.

By Emily Mee , Money team

Discovering a hole in your favourite pair of jeans or a rip in your well-worn cosy jumper is certainly irritating - but it doesn't mean those items are destined for the bin. 

In fact, ethical fashion campaigners say that's the last place your items should be going. There is usually plenty you can do to repair them - or even to avoid damage in the first place. That way, you can keep your best-loved pieces in your wardrobe for years to come. 

Katrina Caspelich, from fair fashion campaign Remake, takes the Money blog through what you can do...

Store your clothes better

Clean them before storing them: Always ensure that clothes are clean before storing them. Launder or dry clean them according to the care instructions on the label. Stains and dirt can attract insects and cause fabric deterioration over time.

Use breathable storage containers: Opt for breathable storage containers such as cotton canvas bags or boxes instead of plastic bins. This allows air circulation and prevents moisture build up, which can lead to mould and mildew.

Avoid direct sunlight: Store clothes in a cool, dark place away from direct sunlight. Sunlight can cause colours to fade and weaken fabric fibres over time.

Hang clothes properly: Invest in quality hangers that provide adequate support to garments. Use padded or wooden hangers for delicate items like suits, dresses and knits. Avoid using wire hangers, as they can cause garments to lose their shape. Don't hang wet clothes on hangers - they can stretch.

Use garment bags: For long-term storage of formal wear or seasonal clothing, consider using garment bags to protect items from dust, insects, and moisture.

Rotate clothing: Rotate your wardrobe seasonally to prevent garments from being stored for too long without use. This helps to prevent fabric deterioration and ensures that all pieces are worn regularly.

Avoid overcrowding: Avoid cramming clothes into storage containers or closets. Overcrowding can cause wrinkles, stretching and distortion of fabric fibres. Leave some space between garments to allow for air circulation.

Store leather items properly: Leather garments should be stored in a cool, dry place away from direct sunlight. Use padded hangers to maintain their shape and avoid folding, as creases can become permanent.

Does how you wash clothes make a difference?

What exactly makes a gentle wash gentle? For delicate fabrics, you should always use cool to lukewarm water. (Hot water isn't needed unless you are concerned about bacteria and diseases like COVID-19). 

Pro tip: Be wary of wringing out your wet clothes. It can seriously alter the shape of your garments.

Other options

Wash your stuff less. The only clothes that should always be washed after one wear are underwear and sweaty clothes. Most garments worn regularly should be okay to wear two to three times before washing. Unless your denim has a bad habit of stretching out, experts say you should wash them after three or four wears so they age better. You can also throw them in the freezer to kill bacteria.

Spot clean your clothes. To clean a spot, start by removing any excess spillage and blot away as much moisture as possible with a paper towel or hand towel. NO RUBBING. Use some stain remover or gentle detergent on just the stained spot. Let it air dry or use cool air to speed up the process.

Air dry. Hang your clothes outside, Italian style. For heavier items that could stretch when hanging, lay them out flat on a surface to dry.

When should you dry clean?

Read the care tags! Don't be so quick to adhere to every garment's dry clean only tag - there's lots of chemicals involved that lurk on dry-cleaned wool, cotton and polyester. Plus, lots of brands put those tags on when they lack confidence in our ability to properly and gently wash our clothes.

If it is made of wool, linen, silk, cotton or cashmere - which is likely a majority of your closet - these fabrications can handle gentle hand washes so long as you pre-treat and single wash anything with stains, as well as wash items in groups determined by fabrication and colour.

If you aren't 100% sure what exactly a garment is made of, you can always test a little spot under the sink water to see if you get a ton of colour bleeding, warping or shrinkage before going all in.

If your garment has any fancy embellishments, flocking or beads attached by glue then you should probably take it to the cleaners if it's not just in need of a little spot clean.

Pro tip: When you find yourself at the dry cleaners, you can try asking for alternatives like a liquid carbon dioxide cleaning, which uses pressurized CO2 mixed with other gentle cleaning liquids as opposed to perc.  Another option is requesting a wet cleaning method , a wash that resembles a normal washing machine but utilises special soaps and conditioners for an extra gentle wash.

How do you know when a broken item is repairable, or when it's no longer usable?

It's important to always assess the extent of the damage. Small tears, missing buttons, loose hems or minor stains are usually repairable with basic sewing skills or by taking them to a tailor. 

Considering the condition of the fabric is also important. For example, if the fabric is in good shape apart from the damaged area, it may be worth repairing. 

However, if the fabric is severely worn out or faded in multiple places, it may not be worth repairing. Also, some types of damage such as large holes, extensive fraying or irreparable stains may render the garment unusable or not cost-effective to repair. 

Finally, it's important to consider the sentimental value of the item. If the piece holds sentimental value or is a high-quality piece, you may just want to hold on to it and invest in repairs.

If the item is no longer usable, you could upcycle or repurpose it. Get creative and turn the item into something new. Some ideas include turning old jeans into shorts, using fabric scraps for quilting or crafts, or transforming a worn-out tee into a cleaning rag. 

Donation is another option. If the clothing item is still in decent condition despite the damage, consider donating it to a local charity or thrift store as some organisations accept damaged clothing for recycling or repurposing.

Finally, look for textile recycling programmes in your area. Many communities have textile recycling centres or programmes that accept old clothing, even if it's damaged, to be recycled into new textiles or other products.

How about shoes?

Like clothing, extending the wear of your shoes requires proper care and maintenance. Some ideas include rotating your shoes between different pairs of shoes every day to allow each pair to air out and recover their shape between wears. 

Clean your shoes regularly to remove dust, dirt and stains. 

It's also a good idea to apply waterproofing spray to protect your shoes from water, stains, snow and other environmental damage. Like clothing, it's important to attend to any signs of damage or wear as soon as possible, replacing worn-out soles, repairing loose stitching, and fixing damaged heels to prevent further deterioration. Definitely consider taking your shoes to a professional cobbler for these regular repairs! 

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