American Express Premium Car Rental Protection Plan Details

The Premium Car Rental Protection Plan Details  View Coverage Details 

Premium Car Rental Protection (PCRP) is insurance coverage offered to American Express® Cardmembers to help protect them and their Passengers when the Cardmember uses an enrolled Card to pay for a Car Rental from a Rental Company. Coverage includes 1) reimbursement for damage to or theft of the Rental Auto and personal property, and 2) medical expenses and death and dismemberment benefits resulting from a covered Accident. Coverage is worldwide except for vehicles rented in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand. Enrollment is available to Consumer and Small Business Cardmembers residing in the 50 United States of America or the District of Columbia. This product may not be available in certain states. Corporate Cardmembers are not eligible.

What the Plan Covers
The $100,000 coverage level with a premium of $24.95 covers:

Up to $100,000 of primary damage and theft coverage for the rental car.

Up to $100,000 of Accidental Death or Dismemberment (AD&D) coverage.

Up to $15,000 per person of excess coverage for Medical Expenses.

Up to $5,000 per person of excess coverage for personal property, maximum of $10,000 for all. For Florida residents, up to $15,000 per person excess coverage for personal property, maximum of $25,000.

The $75,000 coverage level with a premium of $19.95 covers:

Up to $75,000 of primary Damage and Theft coverage for the rental car.

Up to $75,000 of Accidental Death or Dismemberment (AD&D) coverage.

Up to $7,500 per person of excess coverage for Medical Expenses.

Up to $2,500 per person of excess coverage for Personal Property, maximum of $5,000 for all.

For California Residents:
The $100,000 coverage level with a premium of $17.95 covers:

Up to $100,000 of primary damage and theft coverage for the rental car.

Up to $250,000 of Accidental Death or Dismemberment (AD&D) coverage.

Up to $15,000 per person of excess coverage for Medical Expenses.

Up to $5,000 per person of excess coverage for personal property, maximum of $10,000 for all.

Premium

There is no cost to enroll in Premium Car Rental Protection, and there are no monthly, annual, or cancellation fees. The Cardmember pays a premium of $19.95 or $24.95 per rental ($17.95 for California Residents) each time a rental car is charged to his or her enrolled American Express Card, until coverage is terminated. The premium covers the duration of the rental, for up to 42 consecutive days (up to 30 consecutive days for Washington Cardmembers).

Vehicles covered by the Plan

The Plan covers most vehicles typically available from a Rental Company, from smaller economy sizes to large luxury sedans, convertibles, exotic cars (worth more than $50,000), minivans, vans, pickup trucks, and full-sized SUVs. The vehicle must be rented from a Rental Company, which is a commercial rental agency that rents passenger type motor vehicles, but it does not include a company whose primary business is something other than renting cars, such as an auto body shop or a moving van company. Excluded vehicles include: automobiles that have been customized or modified from the manufacturer's factory specifications, except for driver's assistance equipment for the physically challenged; any rented vehicle used for hire or commercial purposes; antique cars (cars over 20 years old or cars that have not been manufactured for over 10 years); limousines; off-road vehicles, motorcycles, motorbikes, mopeds, recreational vehicles, golf or motorized carts, campers, moving trucks or moving vans, and trailers.

Vehicles covered may vary by state. Please see your Plan documents.

Determining coverage of personal car insurance or business insurance

It´s possible that a Cardmember´s personal car insurance or business insurance might cover these types of losses. However, here are a few things to keep in mind:

PCRP is primary insurance of theft and damage to the rented vehicle, which means enrollees won´t have to dip into their own insurance first, or pay a deductible.

Also, insurance policies often vary in their coverage of rental cars, or out-of-state or international driving. Cardmembers should check personal policies carefully to see whether they´re covered for rental cars. But this Plan covers enrollees almost anywhere in the world.

Coverage is automatically extended to other American Express Cards

If you are the Basic Cardmember, your other American Express Card accounts, and any Additional Cards issued on those accounts, are automatically enrolled in the Premium Car Rental Protection Plan. Any Card accounts issued to you in the future, and Additional Cards on those accounts, will also be enrolled. Cards that are not enrolled include Corporate Cards, Additional Cards enrolled independently, Additional Cards issued to you on someone else's account, and any Card issued by a third-party bank partner of American Express.

If you are the Additional Cardmember, coverage does not extend to other accounts you may have. You are only covered on the account on which you have been issued the Additional Card.

Provider of Premium Car Rental Protection

Premium Car Rental Protection is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0610 or Policy PCRP-IND and is subject to change with notice. This document does not supplement or replace the Policy.

When identifying insurance products that may be of interest to you, American Express may act on behalf of the insurance company and receive compensation that may vary by company and product. American Express may also receive additional financial benefit when AMEX Assurance Company or another American Express entity acts as the insurer or reinsurer for these products.

American Express Premium Car Rental Protection

Summary of Terms and Conditions

By enrolling in the Premium Car Rental Protection Plan, you are also enrolling all of your other American Express Card accounts and any Additional Cards issued on those accounts. Any Card accounts issued to you in the future, and Additional Cards on those accounts, will also be enrolled. The only Cards that will not be enrolled are Corporate Cards, Additional Cards enrolled independently, and Additional Cards issued to you on someone else's account and any Card issued by a third party bank partner of American Express.

Covered Persons:

When the Cardmember enrolls, Covered Persons under the Plan include you, the Cardmember, and any Passenger, including any Authorized Driver, Boarding, sitting in, riding in or Alighting from the Rental Car.

Coverage:

Premium Car Rental Protection provides coverage for 1) reimbursement for Damage to or Theft of the Rental Auto and Personal Property, and 2) medical expense and Accidental Death and Dismemberment benefits resulting from a covered Accident. The vehicle must be rented from a Rental Company, which is a commercial rental agency whose primary business is renting passenger type motor vehicles, but it does not include a company whose primary business is something other than renting cars, such as an auto body shop or a moving van company.

The Plan covers an eligible Rental Car for the first 42 consecutive days (30 consecutive days for Washington Cardmembers) as long as the Cardmember remains in Possession of the Rental Car. Coverage is provided anywhere in the world except in Australia, Ireland, Israel, Italy, Jamaica or New Zealand. Enrollment is available to Consumer and Small Business Cardmembers residing in the 50 United States of America or the District of Columbia. This product may not be available in certain states.

Limits of Plan Coverage:

The $100,000 coverage level with a premium of $24.95 covers:

• Up to $100,000 of Damage or Theft coverage for the Rental Car.
• Up to $100,000 of Accidental Death and Dismemberment (AD&D) coverage.
• Up to $15,000 per person of excess coverage for medical expenses resulting from an Accidental Injury.
• Up to $5,000 per person of excess coverage for Personal Property, maximum of $10,000 for all. For Florida Residents, up to $15,000 per person of excess coverage for Personal Property, maximum of $25,000.

For California Residents:

The $100,000 coverage level with a premium of $17.95 covers:

• Up to $100,000 of Damage and Theft coverage for the Rental Car.
• Up to $250,000 of Accidental Death and Dismemberment (AD&D) coverage.
• Up to $15,000 per person of excess coverage for medical expenses resulting from an Accidental Injury.
• Up to $5,000 per person of excess coverage for Personal Property, maximum of $10,000 for all.

Refunds:

If premium charges are billed to your Enrolled Card in error, such as a cancelled rental, no show, or other charges unrelated to the actual car rental, please contact us for a refund.

If you cancel a refundable car rental reservation, the premium billed will automatically be refunded to you. This credit will appear on the statement along with the credited car rental reservation or on the following statement.

Billing:

Premium will be billed to your Enrolled Card and coverage activated each time you use the Card to pay for a Rental Car from a Rental Company until your enrollment is terminated.

Beneficiary:

You may name or change your beneficiary at any time. If you do not name a beneficiary, benefits will be paid according to the terms the Policy.

Exclusions:

Premium Car Rental Protection excludes certain vehicles, items and actions from coverage.

Excluded vehicles include: automobiles that have been customized or modified from the manufacturer's factory specifications, except for driver's assistance equipment for the physically challenged; any rented vehicle used for hire or commercial purposes; antique cars (cars over 20 years old or cars that have not been manufactured for over 10 years); limousines; off-road vehicles, motorcycles, motorbikes, mopeds, recreational vehicles, golf or motorized carts, campers, moving trucks or moving vans, and trailers.

Please refer to your Plan documents for a complete description of the coverage exclusions.

Underwriter:

Premium Car Rental Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0610 or Policy PCRP-IND and is subject to change with notice. This document does not supplement or replace the Policy.

This is a summary of Premium Car Rental Protection. Please refer to your Plan documents for a complete description of the terms, conditions and exclusions.

Enrollment becomes effective when AMEX Assurance Company receives, accepts and validates Your Enrollment Request Form. Approximately 7-10 days after your enrollment is processed, you will receive verification, which includes your Plan documents. You may terminate your coverage at any time by means of written notice to American Express at American Express Company, P.O. Box 981525, El Paso, TX 79998-1525 or verbal notice by calling the number on the back of your Card in advance of the intended termination date.

When identifying insurance products that may be of interest to you, American Express may act on behalf of the insurance company and receive compensation that may vary by company and product. American Express may also receive additional financial benefit when AMEX Assurance Company or another American Express entity acts as the insurer or reinsurer for these products.