Is Expedia Car Rental Insurance Legit? A Comprehensive Guide for US Travelers
If you are planning to rent a car for your next trip, you might be wondering whether you need to buy car rental insurance or not. And if you do, which option is the best for you?
One of the most popular choices among travelers is Expedia car rental insurance, also known as collision damage protection.
But is Expedia car rental insurance legit?
Let’s find out…
What is Expedia Car Rental Insurance?
Expedia car rental insurance is a type of coverage that you can purchase when you book a car rental through Expedia.com. It is offered by Travel Guard, a leading travel insurance provider, and it covers you for up to $35,000 in damages to the rental car in case of an accident, theft, vandalism, or natural disaster.
Expedia car rental insurance is a primary coverage, which means that it pays first, before any other insurance that you might have, such as your personal auto insurance or your credit card insurance.
Expedia car rental insurance also has no deductible, which means that you don’t have to pay anything out of pocket if you make a claim.
How Much Does Expedia Car Rental Insurance Cost?
Expedia car rental insurance is very affordable compared to other options. It costs only $9 per day, regardless of the type of car, the location, or the duration of your rental.
This is much cheaper than the collision damage waiver (CDW) or loss damage waiver (LDW) that the car rental companies offer at the counter, which can cost anywhere from $30 to $50 per day.
Expedia car rental insurance is also cheaper than some third-party companies that offer similar coverage, such as Bonzah, which charges $9.99 per day.
What are the Benefits of Expedia Car Rental Insurance?
Expedia car rental insurance has several benefits that make it a convenient and hassle-free option for travelers. Some of the main benefits are:
- It covers you in all US states and overseas, so you don’t have to worry about different laws or regulations in different places.
- It is easy to purchase online, along with your car rental reservation, so you don’t have to deal with any paperwork or sales pressure at the counter.
- It allows you to “drop the keys and forget it”, meaning that you can return the car without any inspection or documentation, as long as you report the incident to Travel Guard within 30 days.
- It protects you from the car rental company’s claims for loss of use, administrative fees, or diminished value, which can add up to thousands of dollars.
- It gives you peace of mind, knowing that you are fully covered for any damage to the rental car, without having to worry about your personal auto insurance, credit card insurance, or third-party insurance.
What are the Drawbacks of Expedia Car Rental Insurance?
Expedia car rental insurance is not perfect, and it has some limitations and exclusions that you should be aware of. Some of the main drawbacks are:
- It does not cover liability, which is the damage that you cause to other people or property in an accident. You still need to have liability insurance, either through your personal auto insurance, the car rental company, or a third-party provider.
- It does not cover personal injury, medical expenses, or personal belongings, which are the costs that you or your passengers incur in an accident. You still need to have health insurance, travel insurance, or personal property insurance for these expenses.
- It does not cover tires, glass, or keys, which are some of the most common sources of damage to rental cars. You still need to pay for these repairs or replacements yourself, or buy additional coverage from the car rental company or a third-party provider.
- It does not cover gross negligence, intentional damage, or illegal use of the rental car, which are some of the situations that can void your coverage. You still need to follow the terms and conditions of the car rental agreement and the Expedia car rental insurance policy.
How do I file a claim with Expedia car rental insurance?
To file a claim with Expedia car rental insurance, you need to follow these steps:
- Report the incident to Travel Guard as soon as possible, within 30 days, by calling 1-866-648-8422 (toll-free) or 1-817-826-7008 (collect). You can also file a claim online at Travel Guard’s website.
- Provide Travel Guard with the necessary information and documents, such as your Expedia car rental confirmation, your Travel Guard policy number, your rental car agreement, your driver’s license, your police report (if applicable), and any receipts or invoices related to the damage.
- Wait for Travel Guard to process your claim and reimburse you for the covered amount, up to $35,000, within 15 business days.
For more details, you can refer to the Expedia insurance policy document or contact Travel Guard’s customer service. I hope this helps you with your claim.
What is the coverage limit of Expedia insurance?
The coverage limit of Expedia insurance is $35,000. This means that Expedia insurance will pay for up to $35,000 in damages to the rental car in case of an accident, theft, vandalism, or natural disaster.
How to Use Expedia Car Rental Insurance?
If you decide to buy Expedia insurance, here are some tips on how to use it effectively:
- Book your car rental and Expedia car rental insurance together on Expedia.com, and make sure to print or download your confirmation and policy documents.
- Decline the CDW or LDW that the car rental company offers at the counter, and show them your Expedia car rental insurance policy if they ask.
- Drive safely and responsibly, and follow the rules of the road and the car rental agreement.
- If you have an accident or damage the rental car, report it to Travel Guard as soon as possible, within 30 days, and provide them with the necessary information and documents.
- Return the car without any inspection or documentation, unless the car rental company requires it.
- Enjoy your trip and your savings!
Conclusion: Is Expedia Car Rental Insurance Legit?
Expedia insurance is a legit and affordable option for travelers who want to protect themselves from the high costs of damage to rental cars. It offers primary, no-deductible coverage for up to $35,000 in damages, and it allows you to return the car without any hassle.
However, it does not cover liability, personal injury, or personal belongings, and it has some limitations and exclusions that you should be aware of.
Therefore, you should compare Expedia car rental insurance with other options, such as your personal auto insurance, your credit card insurance, or a third-party insurance, and choose the one that best suits your needs and budget. Happy travels!
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Greetings, I’m Evans Odundo, a dedicated professional holding a Master’s Degree in Software Engineering from Daystar University.
My blogging journey is fueled by a profound interest in insurance companies, and I take pride in unraveling the intricacies of their coverage.
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