Does Travelers offer coverage for rental cars?

Does Travelers offer coverage for rental cars? Your Travelers auto insurance covers a rental car as long as you carry full insurance with adequate limits to cover the cost of the rental if it is totaled in an accident.

Travelers offer no stand-alone rental car insurance, so you have to check your policy carefully to understand the limits of the coverage.

Rental car reimbursement insurance can be added to your collision or comprehensive car insurance. If your car is involved in a covered accident and needs repairs, this insurance covers the cost of renting a car.

To distinguish this insurance from rental car insurance, Travelers calls it Extended Transportation Service Insurance. Keep reading to learn the difference between Travelers car insurance that covers rental cars.

When Travelers Insurance Covers Rental Cars

The decision to accept or decline insurance from a rental car company depends on the extent of your auto insurance from Travelers. If you have full auto insurance from Travelers, which includes liability, collision, and comprehensive coverage, you may be covered for an incident involving a rental car:

• Liability coverage is for damage you cause to someone else’s property and any bodily injury to others from the accident.
• Collision is for damages to your vehicle and for property damage if you hit another car or object.
• Comprehensive coverage covers non-collision incidents such as theft, fire, vandalism, severe weather events, or animal impact.

To help understand the differences, see read our expert guide on the difference between collision vs. comprehensive coverage.

Travelers Extended Transportation Service Insurance

Extended Transportation Service Insurance is optional to your collision or comprehensive policy. It includes rental car reimbursement if you need a rental car while your car is being repaired due to a covered accident (read our “Can I get a rental car while my vehicle is being repaired?” for more information).

Read more: Does my car insurance cover rental reimbursement if my car is being repaired?

Maximum Limits

You have a range of choices when selecting this optional coverage. The lowest limit is $30 per day, with a maximum payout of $900. The highest limit offered is up to $100 per day, with a maximum payout of $3,000.

Other Considerations About Rental Car Insurance from Travelers

Having full coverage car insurance from Travelers gives you coverage for rental cars. However, rental car companies offer some coverage choices worth considering.

The first thing to consider is the deductible, which may differ when you get rental car insurance from the rental car company.

If your Travelers auto insurance policy has a higher deductible, you must pay more out of pocket if you get into an accident. You may need to review our car insurance deductible guide to determine if your deductible is acceptable.

The second thing to consider is your Travelers policy limits. These limits need to be high enough to cover the value of the rental car.

Finally, rental car companies offer a collision damage waiver (CDW). This CDW is not insurance but is an agreement with the rental car company that they will be responsible for any damage to the rental vehicle if you pay the optional fee for CDW.

Travelers Rental Car Coverage Planning

The best thing to do if you plan to rent a car is to chat with your agent to understand if your Travelers insurance covers rental cars before you decline the coverage offered by the rental car company. As a rule of thumb, Travelers will cover rental cars if you have full coverage car insurance.