A frequently asked question is whether or not travel insurance policies come with any coverage for renting a vehicle at your destination. Your policy may have some coverage for rental cars, depending on which policy you are looking at. Let's take a look at each of the options and see what each policy's wording says about rental cars!
SmartBunny USA Plus
The SmartBunny USA Plus policy includes “Rental Car Damage and Theft Coverage” up to $40,000 per covered vehicle. The policy includes a definition for rental car damage & theft coverage:
We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if Your Rental Car is damaged while on a Trip due to collision, theft, vandalism, Natural Disaster or any cause beyond Your Control while in your possession, or Your Car is stolen and not recovered. Benefits will be paid for the lesser of:
(a) reasonable and customary cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired (i.e. "loss of use" charges); or (
- b) Actual Cash Value of the Rental Car, less its reasonable salvage value.
Exclusions apply, see policy wording for specific exclusion information.
SmartBunny International
As this policy is mainly medical only, there are no provisions for covering rental car usage, damage, theft, or any type of coverage for rental cars.
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Summary of SmartBunny's travel insurance policies for US residents
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