battleface

GET QUOTE
GET A QUOTE

Do I need rental vehicle damage coverage if I rent a car?

Do I need rental vehicle damage coverage if I rent a car?

Renting a car when traveling is more complicated (and often riskier) than driving your own car. Purchasing rental car damage coverage is highly recommended to protect yourself against unforeseen incidents or accidents.

When you’re in your hometown doing everyday tasks like driving to work, running errands, or meeting up with friends and family, you undoubtedly have car insurance. After all, not only is auto insurance legally required in many states, but there are big financial implications if you’re involved in a collision.

Whether you are renting a car when you reach your destination or road-tripping in a rental car, you should always be sure your travel insurance plan includes rental vehicle damage coverage. After all, you’ll be driving in an unfamiliar location, in a vehicle you’re not used to driving. You will also be traveling in an area where traffic laws may be different, and maybe even be driving on the other side of the road!

 

How does rental vehicle damage coverage work?

Typically an optional add-on to a battleface travel insurance policy, rental vehicle damage covers damage to the vehicle you’ve rented, from the time you get the keys to your rental until you turn it back in to the rental company. This is sometimes referred to as a collision damage waiver.

With battleface insurance, your rental vehicle damage coverage will reimburse you up to a maximum amount noted in your policy for many kinds of unexpected events, including:

  • Collision
  • Vandalism
  • Windstorm
  • Fire
  • Hail
  • Flood

It also may cover you for any other causes beyond your control while the rental vehicle is in your possession, such as if the vehicle is stolen.

Traveling with someone? Your travel insurance plan covers both you and your traveling companion, assuming you are both licensed drivers and are listed on the rental agreement. Keep in mind that rental vehicle damage coverage may not be available in all states.

 

Are there any exclusions I should consider?

There are typically coverage exclusions you should be aware of. First, most travel insurance plans won’t cover rentals of heavy-duty trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, RVs, or exotic vehicles.

You also won’t be covered if you violate your rental agreement, are driving under the influence, if you’re grossly negligent, or if you break local traffic laws, such as exceeding the speed limit, driving recklessly, or driving under the influence.

Every policy is different, so be sure to check with battleface so you’ll know exactly what’s covered and what isn’t. And keep in mind, no matter what happens, be sure to report any incident to the proper local authorities and your rental car company.

 

Will my regular car insurance cover me while traveling?

If you rent a vehicle, your regular car insurance company won’t usually cover you for damage to the rental car. That’s why it’s so important to have rental vehicle coverage as part of your travel insurance policy.

After all, if your rental car is damaged or stolen or, even worse, if you are involved in an accident while traveling, you could be on the hook for a lot of costs.

 

What if I’m injured while driving a rental car?

Rental vehicle damage coverage is designed to protect you from expensive repair or replacement costs if you get in an accident while driving a rental car, or if the vehicle is otherwise damaged or stolen.

But what if, in addition to vehicle damage, you are injured in a wreck?

That’s when you’ll be glad you had battleface travel medical coverage.

With battleface travel insurance, you can add on a travel medical package that provides medical coverage up to $100,000 (maximum amount varies depending on where you live.) You also get emergency evacuation and repatriation of remains coverage of up to $500,000, in case you are severely injured in a car accident and require medical evacuation, or—in the ultimate worst-case scenario​​—your family has to transport your remains home.

If your pet travels with you and is injured in a wreck, you can even choose a pet medical coverage plan which will pay for medical treatment in the case of a car accident.

If a car accident does occur, try to stay calm and document everything, as you would if the accident occurred closer to home. Photographs, police reports, and witness statements are all important  items to collect as part of the claims process and will help to expedite the processing of your claim.

Protect your trip with
battleface travel insurance

CHECK RATES

PRE-EXISTING MEDICAL CONDITION

Pre-Existing Medical Condition means an illness, disease, or other condition during the 180 day period immediately prior to the date Your coverage is effective :
  1. received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or
  2. took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 180 day period before coverage is effective under this policy.
  3. required a change in prescribed medication. Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:
    1. between a brand name and a generic medication with comparable dosage; or
    2. an adjustment to insulin or anti-coagulant dosage.
If you, or someone you are traveling with, has a Pre-Existing Medical Condition, you can still buy a policy from us but there is no cover for any claim arising directly or indirectly from that condition.

PRE-EXISTING MEDICAL CONDITION

Any Medical Condition that, within the last 12 months, required any:

  • surgery, inpatient or outpatient treatment, referrals or investigations of any sort. This includes being on any waiting list, taking any prescription medication, tablets or required medical treatment (This will not apply to common colds, flu or contraceptive medication);
  • medical advice or treatment for any respiratory condition relating to the lungs or breathing;
  • medical advice or treatment for any heart, stroke or diabetic condition;

Hypertension or high cholesterol controlled by 1 prescription drug only and where the dosage has not been changed within the last 12 months will not be considered a pre-existing medical condition

Coverages Available:

*not all coverages are available in all states
Travel Protection Benefits Limits
Trip Cancellation 100% of trip cost (up to a maximum of $20,000)
Single Occupancy Up to trip cost
Cancel for Any Reason Up to 75% of trip cost Up to 50% of trip costs in FL(CFAR not available to NY residents)
Trip Interruption 150% of trip cost
Delay Package
Trip Delay
Maximum $200 per day up to $2,500
Missed Connection Maximum of $1,000 per covered trip
Baggage Package – Excess
Baggage and Personal Effects $2,500 $100 Deductible
Baggage Delay $100 per day up to a maximum of $500
Travel Medical Package – Excess AK, CO, ID, ND, NH – Primary
Travel Medical Expense – Adventure sports included $100,000 $50,000 in NH $50 Deductible
Emergency Dental $750
Emergency Evacuation and Repatriation of Remains Up to $500,000
Up to $1,000,000 in NH
Accidental Death & Dismemberment $100,000 or $250,000 or $500,000
Pet Medical Package
Pet Medical Expense Up to $2,000 $100 Deductible
Pet Return Up to $500
Rental Vehicle Damage – Primary Up to $35,000 per rented vehicle- Primary $250 Deductible for loss greater than $2,000
Vacation Rental Damage $1,500 or $3,000 or $5,000

How many trips are you looking to insure?

A single trip

Customizable coverage for a single trip

Multiple trips

Annual coverage plan for frequent travelers

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Cancellation and Curtailment 5,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250 or 50)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 250,000
Baggage Loss or Delay up to 5,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250 or 50)
Personal Liability 500,000
Travel Delay 500
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)
Important notes:
  • Winter Sports optional cover, where selected, does not extend to the Personal Liability benefit under Section F of the policy
  • Travellers up to the age of 79 can purchase this product. Cover for illness is not available for those aged 75 years or over

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Trip Interruption 2,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 5,000
Baggage Loss or Delay up to 2,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250) *** Limited to 250 in respect of cash
Personal Liability 500,000
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)
Personal Accident up to 250,000
Baggage up to 10,000
Important notes:
  • Winter Sports optional cover, where selected, does not extend to the Personal Liability benefit under Section G of the policy
  • Travellers up to the age of 79 can purchase this product. Cover for illness is not available for those aged 75 years or over

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Cancellation up to $20,000
Trip Interruption $1,000
Medical and Emergency Expenses $5,000,000 (deductible $250)
Hospital Benefit $25 per day, maximum $100
Personal Accident up to $50,000
Baggage $2,000 (deductible $250)
Personal Money and Passport, limited to $250 in respect of cash $500 (deductible $250)
Personal Liability $500,000
Optional Benefits Limits
Business Extension up to $1,000 (deductible $100)
Winter Sports (Ski Equipment) up to $750 (deductible $50 or $100)
Important notes:
  • Winter Sports optional cover, where selected, does not extend to the Personal Liability benefit under Section G of the policy
  • Travellers up to the age of 79 can purchase this product. Cover for illness and Winter Sports is not available for those aged 75 years or over
  • Medical and Emergency Expenses are limited to $50,000 within Canada if you are not covered by government health insurance plan (GHIP) at the time of your claim

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Cancellation and Curtailment 5,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250 or 50)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 250,000
Baggage Loss or Delay up to 5,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250 or 50)
Personal Liability 500,000
Travel Delay 500
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)
Important notes:
  • Winter Sports optional cover, where selected, does not extend to the Personal Liability benefit under Section F of the policy
  • Travellers up to the age of 79 can purchase this product. Cover for illness is not available for those aged 75 years or over

How many trips are you looking to insure?

A single trip

Purchase your individual policy by adding business extension

Multiple trips

Customisable annual policy for groups with employees who are frequent travellers