Does Alaska Airlines Credit Card Cover Rental Car Insurance?

Alaska Airlines is one of the top-rated airlines in America, and their credit card offers many benefits for frequent flyers. With so much to offer, it’s no wonder that many travelers are wondering if the Alaska Airlines credit card covers rental car insurance.

Yes, Alaska Airlines credit card provides rental car insurance coverage. It offers a secondary car rental insurance policy to help cover any damages or theft to a rental car. But it’s important to remember that this coverage is not your primary insurance. Also, this policy has specific terms and conditions that you should be aware of.

In the rest of the blog, I will break down all the nitty-gritty details of its rental car coverage. So, let’s buckle up and hit the road to discover how the Alaska Airlines credit card covers rental cars!

What Does Alaska Airlines Credit Card Cover for Rental Cars?

If you’re an avid traveler, you’re curious about what perks come with the Alaska Airlines credit card. Let me tell you; it’s not about racking up frequent flyer miles (although that’s definitely a bonus).

  • No Deductibles: One of the major perks of using an Alaska Airlines credit card for your car rental needs is no deductible. That’s right, zero, zilch, nada! If you get into an accident or damage your rental car, the credit card will cover any losses up to the limits of the coverage.
  • Physical Damage and Repair: With rental car insurance, you’ll be covered for physical damage and theft of the rental car. Additionally, reasonable repair costs are also covered. This coverage allows you to focus on the journey than worrying about “what ifs.”
  • Primary Coverage: The card does offer primary coverage for certain rentals in some countries outside of the US. For instance, business rentals  

Now, before you get too excited, it’s important to note that this coverage is secondary.  This means that it only comes into play after any other insurance coverage you have. Just remember to read the fine print and know what’s covered before you hit the gas.

What Are the Exclusions to Alaska Airlines Credit Card’s Rental Car Coverage?

So, you’re ready to hit the road and rent a car with your Alaska Airlines Credit Card – fantastic! But before you go, it’s important to know the ins and outs of your rental car coverage.

While there are some awesome perks to your coverage, there are some things that aren’t covered. Don’t worry, though; I’ve got you covered with all the details! 

Here’s the lowdown:

  • The credit card’s rental car coverage may not cover all types of damage to the rental car. For example, coverage may not apply to damage caused by driving off-road. Or driving under the influence of drugs or alcohol.
  • But wait, there’s more! Thinking of getting all James Bond and pulling some intentional stunts with your rental car? If so, you better think again. If you purposely damage the rental car or drive recklessly, the rental car coverage provided by the credit card will not cover you.
  • And if you end up in the hospital as a result of your wild ride, the card won’t cover any of your medical expenses either.

Now, don’t get me wrong, I want you to have a good time on your trip, but I also want you to be safe and responsible. Before you start your trip, contact Alaska Airlines Credit Card customer service to check if any exclusions have changed. We don’t want any surprises, do we?

How to Use Alaska Airlines Credit Card Insurance Coverage

Wondering how to use Alaska Airlines credit card rental car insurance? I’ve got you insured. (Get it? Insured? Insurance? I crack myself up!)

  • First, you need to be the main person renting the car. And you must use your Alaska Airlines credit card to pay for the whole rental. That’s it; you’re good to go! 
  • Oh, and you also have to decline any rental insurance offered by the rental car company. They’ll try to sell it to you but say “no thanks” like a polite but firm parent.
  • Now it’s time to activate the coverage on your Alaska Airlines credit card. Just call the customer service number on the back of your card and say, “Hey, it’s me! I want to activate rental car coverage for my upcoming road trip!” The customer service rep will verify your identity and handle the rest.
  • Once you activate your rental car coverage with your card, you can kick back and relax!  

If your rental car is stolen, damaged, or involved in an accident, you can make a claim with Alaska Airlines. The claim allows for reimbursement of up to $50,000. But remember, you might have to pay a deductible before getting reimbursed. 

What Else Should You Know About Alaska Airlines Credit Card Coverage?

But wait! There are some more things you should know to avoid any unexpected bumps in the road.

  • To begin with, the card’s coverage is secondary. So you must first file a claim with your own insurance company. So if you’re planning on crashing your rental car just to see if it works, you might want to rethink your life choices.
  • There are some exclusions for certain types of vehicles. For example, fancy luxury cars, big ol’ trucks, and party vans. Sorry, but your dream of cruising around in a stretch limo is gonna have to wait.
  • Credit card coverage only applies if you pay for your entire rental car with the card. So don’t think you can throw in some cash or use another card and still expect Alaska Airlines to come to the rescue.
  •  Rental car insurance may protect your rental car from road hazards. But, it won’t cover theft of personal items like laptops or jewelry. Those items are still vulnerable to sticky fingers. Keep those valuables tucked away safely!  

Final Thoughts

Are you ready to set sail on your next rental car adventure with the Alaska Airlines Credit Card?  This card can be your reliable partner in crime when it comes to rental car insurance. 

It provides primary collision coverage and other exciting perks that will have you feeling like a true VIP.

But before you start driving with the wind in your hair, be sure to review the details of your coverage. You don’t want any unexpected surprises popping up like a speed bump in the middle of the road. 

So, why not give Alaska Airlines Credit Card customer service a friendly holler? They’ll be happy to fill you in on all the important details. 

Happy travels, friend!