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Renting a car overseas is a complicated and cumbersome process. And one thing that made it more painful than necessary was the exclusion of certain countries from the free collision damage coverage most credit cards provide when you use them to pay for a rental.
Countries like Ireland, Israel, Jamaica, and Australia were routinely excluded from complimentary coverage from most credit cards.
But that’s started to change recently.
Last fall, Chase upgraded the benefit on many of its travel cards to offer coverage in any country, so long as the country or rental car company allowed it.
And you can also add Citibank to that list.
If you login to the Citi Benefit Builder online you can see all of the details of your Citi card’s benefits.
There, for most Citi travel cards, like the ThankYou Preferred and the popular AAdvantage Platinum Select Card you’ll see that car rental coverage includes all countries.
It used to be this was only a benefit on some World Elite level MasterCards, but now the benefit is appearing for Citi Visa cards as well, which is a welcome benefit.
That doesn’t mean you’ll always have collision damage coverage when you purchase a rental with your card. Some places like Australia and New Zealand have laws that force foreign travelers to buy supplemental car rental insurance, so you’ll still have to pay up there.
But places like Ireland and Israel are now open for coverage if the rental agency permits it.
Of course, always do your homework before leaving on a trip. It’s a good idea to call your credit card company and request a ‘proof of coverage’ document. They can email this to you and you can present it at the car rental counter in case the rental car company tries to hassle you with its collision coverage.
In summary these are the rules of thumb for cards that do and don’t offer collision damage coverage in all countries:
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