Ihg Credit Card: Unlocking Overseas Auto Insurance Benefits

The IHG One Rewards Premier Credit Card offers a range of benefits to cardholders, including the option of automatic elite status and a free anniversary night. One of the key benefits of the card is its travel protection and trip insurance-related features. This includes auto rental collision damage waiver coverage, which provides theft and collision damage coverage for most cars in the US and abroad. Therefore, the IHG credit card does provide overseas auto insurance, which can be a valuable feature for travellers looking for peace of mind when renting cars internationally.

IHG credit card insurance coverage in the US and abroad

The IHG One Rewards Premier Credit Card offers a range of insurance benefits in the US and abroad.

Travel Protections and Benefits

• Trip cancellation and interruption insurance: Cardholders can be reimbursed up to $5,000 per person and $10,000 per trip for prepaid, non-refundable travel expenses if a trip is cancelled or cut short due to sickness, severe weather, or other covered situations.
• Travel accident insurance: Cardholders are eligible for accidental death or dismemberment coverage of up to $500,000 when they pay for their air, bus, train, or cruise transportation with the card.
• Travel and emergency assistance services: Cardholders can call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. Cardholders are responsible for the cost of any goods or services obtained.
• Lost luggage reimbursement: Cardholders and their immediate family members are covered for up to $3,000 per passenger if their checked or carry-on luggage is lost or damaged by the carrier.
• Baggage delay insurance: Cardholders can be reimbursed for essential purchases like toiletries and clothing for baggage delays over six hours by a passenger carrier, up to $100 a day for three days.
• Auto rental collision damage waiver: Cardholders can decline the rental company's collision insurance and charge the entire rental cost to their card. Coverage is provided for theft and collision damage for most cars in the US and abroad. In the US, the coverage is secondary to the cardholder's personal insurance.
• No foreign transaction fees: Cardholders can use their card abroad without incurring any foreign transaction fees.

Shopping Protections

• Purchase protection: Eligible items purchased with the Premier card are protected for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
• Extended warranty protection: The US manufacturer's warranty of three years or less is extended for an additional year on eligible products purchased with the card.

The IHG One Rewards Traveler Credit Card also offers similar travel insurance coverage, including trip cancellation and interruption insurance, baggage delay insurance, lost luggage reimbursement, travel and emergency assistance services, and auto rental collision damage waiver. This card has no annual fee, but the Premier card has an annual fee of $99.

IHG credit card insurance claim process

The IHG One Rewards Premier Credit Card offers a range of protections and benefits, including insurance coverage for travel, purchases, and fraud. Here is a detailed overview of the insurance claim process for each type of protection:

Travel Protection:

• Trip Cancellation/Interruption Insurance: If your trip is cancelled or interrupted due to covered situations such as sickness or severe weather, you can file a claim to be reimbursed for prepaid, non-refundable travel expenses. The coverage is up to $5,000 per person and $10,000 per trip.
• Travel Accident Insurance: In case of accidental death or dismemberment while using air, bus, train, or cruise transportation, you are eligible for coverage of up to $500,000.
• Travel and Emergency Assistance Services: You can call the Benefit Administrator to receive legal and medical referrals, as well as other travel and emergency assistance. You will be responsible for the cost of any goods or services obtained.
• Lost Luggage Reimbursement: If your checked or carry-on luggage is lost or damaged by the carrier, you can claim reimbursement of up to $3,000 per passenger.
• Baggage Delay Insurance: For baggage delays of over six hours by a passenger carrier, you can be reimbursed for essential purchases like toiletries and clothing, up to $100 per day for three days.
• Auto Rental Collision Damage Waiver: You can decline the rental company's collision insurance and charge the entire rental cost to your IHG card. Coverage is provided for theft and collision damage for most cars in the US and abroad. In the US, the coverage is secondary to your personal insurance.

Purchase Protection:

• Your new purchases are covered for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
• Extended Warranty Protection: This protection extends the manufacturer's US warranty by an additional year for eligible warranties of three years or less.

Fraud Protection:

Your IHG One Rewards Credit Card includes protection from fraud through sophisticated fraud monitoring. Chase monitors for fraud 24/7 and will notify you via text, email, or phone call if any unusual purchases are detected on your card.

IHG credit card insurance exclusions

The IHG One Rewards Premier Credit Card offers a range of benefits to its cardholders, including travel insurance and protection. However, it is important to note that there are certain exclusions and limitations to these benefits. Here is a detailed overview of the IHG credit card insurance exclusions:

Trip Cancellation/Interruption Insurance:

• The IHG credit card provides trip cancellation and interruption insurance, reimbursing cardholders up to $5,000 per person and $10,000 per trip for prepaid, non-refundable travel expenses in the event of cancellation or interruption due to covered situations.
• Covered situations typically include sickness, severe weather, and other specified reasons.

Travel Accident Insurance:

The IHG credit card provides travel accident insurance, offering coverage of up to $500,000 in the event of accidental death or dismemberment when cardholders use their card to pay for air, bus, train, or cruise transportation.

Travel and Emergency Assistance Services:

While the IHG credit card provides a referral service for legal and medical referrals, as well as travel and emergency assistance, cardholders are responsible for the cost of any goods or services obtained.

Lost Luggage Reimbursement:

The IHG credit card provides lost luggage reimbursement, covering cardholders and their immediate family members for up to $3,000 per passenger if their checked or carry-on luggage is lost or damaged by the carrier.

Baggage Delay Insurance:

The IHG credit card provides baggage delay insurance, reimbursing cardholders for essential purchases like toiletries and clothing for baggage delays over six hours, up to $100 per day for three days.

Auto Rental Collision Damage Waiver:

• The IHG credit card offers a collision damage waiver for rental cars, providing coverage for theft and collision damage for most cars in the US and abroad.
• It is important to note that in the US, the coverage is secondary to the cardholder's personal insurance.

Purchase Protection:

The IHG credit card provides purchase protection, covering eligible items purchased with the card for 120 days against damage or theft, up to $500 per claim and $50,000 per account.

Extended Warranty Protection:

The IHG credit card extends the manufacturer's warranty by an additional year for eligible products purchased with the card, with original warranties of three years or less.

While the IHG credit card offers valuable travel benefits and insurance coverage, it is important to carefully review the terms and conditions, as well as any exclusions or limitations, to fully understand the extent of the coverage provided.

IHG credit card insurance limits

The IHG One Rewards Premier Credit Card offers a range of insurance benefits, including:

Travel Protections

• Trip cancellation and interruption insurance: Cardholders can be reimbursed up to $5,000 per person and $10,000 per trip for prepaid, non-refundable travel expenses if a trip is cancelled or cut short due to covered situations such as sickness or severe weather.
• Travel accident insurance: Cardholders are eligible for accidental death or dismemberment coverage of up to $500,000 when they pay for their air, bus, train, or cruise transportation with the card.
• Travel and emergency assistance services: Cardholders can call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. However, they are responsible for the cost of any goods or services obtained.
• Lost luggage reimbursement: Cardholders and their immediate family members are covered for up to $3,000 per passenger if their checked or carry-on luggage is damaged or lost by the carrier.
• Baggage delay insurance: Cardholders can be reimbursed for essential purchases like toiletries and clothing for baggage delays over six hours by a passenger carrier, up to $100 a day for three days.

Auto Rental Collision Damage Waiver

The IHG One Rewards Premier Credit Card also offers a rental car collision damage waiver. Cardholders can decline the rental company's collision insurance and charge the entire rental cost to their card. Coverage is provided for theft and collision damage for most cars in the US and abroad. In the US, the coverage is secondary to the cardholder's personal insurance.

Purchase Protection

The card also provides purchase protection for eligible items, covering theft or damage up to $500 per claim and $50,000 per account within 120 days from the date of purchase.

Extended Warranty Protection

Additionally, the IHG One Rewards Premier Credit Card extends the time period of the manufacturer's US warranty by an additional year for eligible warranties of three years or less.

IHG credit card insurance excess

The IHG One Rewards Premier Credit Card offers a range of benefits to its cardholders, including insurance coverage for car rentals. This card provides secondary rental car coverage, which means that if you decline the rental company's collision insurance and charge the entire rental cost to your IHG card, you will be covered for theft and collision damage for most cars in the US and abroad.

In the US, the coverage provided by the IHG card is secondary to your personal insurance, meaning that your personal insurance will be your primary coverage in the event of an accident or damage. However, for those without personal insurance or those renting outside of the US, the IHG card can provide valuable peace of mind and protection.

It is important to note that credit card rental car coverage typically has certain limitations and exclusions, and the claims process can vary. Be sure to carefully review the terms and conditions of your IHG card agreement to understand the specific coverage provided, as well as any requirements or restrictions that may apply.

In addition to rental car coverage, the IHG card also offers other travel-related benefits, such as trip cancellation/interruption insurance, travel accident insurance, lost luggage reimbursement, baggage delay insurance, and travel and emergency assistance services. These benefits can provide added protection and assistance when travelling, making the IHG card a valuable tool for frequent travellers.

Frequently asked questions