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Costco Travel Insurance Review

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Costco Wholesale

Costco members receive discounted pricing.
Coverage options for domestic or international travel, as well as cruises or for rental cars only.
Higher coverage limits than credit card travel benefits.
Only one level of coverage is available, and customization is limited.
Annual or multi-trip plans are not available.

When something goes wrong on your trip, having travel insurance protects you personally and covers eligible travel expenses.

Many travelers rely on credit card travel protections, but those benefits generally have lower limits and only cover reservations made with that card.

If you’re considering buying Costco travel insurance, here’s what you need to know, including what it covers, how much it costs and which plan is right for you.

» Learn more: What to know before buying travel insurance

What does Costco travel insurance cover?

Members tend to love Costco and often look to see if it offers products and services before looking elsewhere.

When planning a trip, members might ask, "Does Costco sell travel insurance?" so they can protect their vacation. Costco offers several different types of travel insurance coverage based on the type of trip you are taking.

Insurance policies are offered by Cover-More Inc., a company of Zurich. To simplify coverage and premiums, Costco only offers one insurance option for each type of vacation.

International vacation packages

For vacation packages outside of the U.S., Costco members can choose an international travel policy. These policies generally offer the highest coverage limits and are designed for trips to all eligible countries around the world.

Domestic vacation packages

Travelers staying within the U.S. can get a travel insurance policy from Costco to cover their trip. Coverage limits are substantial enough to cover most domestic travel needs.

Whether your cruise is within the U.S. or visiting destinations abroad, cruise travel insurance protects you and your finances. A cruise insurance policy from Costco Travel covers all of your trip, not just the actual cruise.

Rental cars

Instead of buying expensive travel insurance from a rental car company, Costco trip insurance offers coverage to protect your rental car. It covers damage to the rental vehicle and post-departure trip interruption benefits. Rental car protection covers up to the actual cash value of the car. Additionally, it covers rental charges imposed while the car is being repaired.

This coverage is primary, which means that your personal auto insurance is not involved if there are any claims. However, it does not cover injuries or damage to other property.

Howver, many travel credit cards include similar coverage and benefits — so you might already have travel insurance on a card in your wallet.

You should consider skipping Costco Travel Insurance coverage if you have a credit card that includes complimentary rental car protection, such as the Chase Sapphire Preferred® Card .

This card includes primary coverage for physical damage to or theft of a covered rental vehicle.

» Learn more: How rental car insurance works on your credit card

Upgrade options

When buying your policy, there are two upgrade options to increase your benefits.

Cancel For Any Reason: When you cancel at least three days before departure, you’ll receive up to 50% of your insured trip cost (maximum trip cost of $10,000).

Rental Car Damage Upgrade: Protect your rental car against collision damage, vandalism, windstorm, hail, fire or flood. Coverage is up to $50,000.

Comparison of Costco travel insurance plans

This chart highlights the coverage limits and benefits you’ll receive from the different Costco travel insurance plans.

How much does Costco travel insurance cost?

The price for travel insurance policies varies based on your destination, trip length, where you live and how much you spend per person. To lower your insurance premium, only include the prepaid, nonrefundable portion of your trip.

In this chart, you’ll find sample quotes for different types of trips. The scenarios vary by destination, length of trip and cost to highlight how premiums can change.

* Quoted rates as of July 2023.

When pricing out vacation package travel insurance, the primary factor in determining the premium is the covered amount. In these scenarios, a domestic trip offered a 10% discount compared to an international trip with the same trip cost. The length of the trip did not affect premiums, except when buying rental car coverage.

» Learn more: The best travel credit cards right now

Which Costco travel insurance plan is best for me?

Since Costco travel insurance doesn’t offer different levels of coverage, the best policy for you depends on what type of vacation you’re planning. Travel insurance from Costco has one level of benefits and coverage limits for all members.

What isn’t covered by Costco travel insurance?

Travel insurance offers numerous protections that cover you, your travel companions and your nonrefundable, prepaid reservations. Before buying your policy, it’s important to understand what isn’t covered.

Pre-existing conditions. Injuries and illnesses that travelers already had before buying their policies are generally excluded from travel insurance. You may be eligible for a waiver of this exclusion, depending on your policy and travel details, as long as you buy coverage within 21 days of your initial trip payment.

Refundable reservations. Reservations that you can cancel and get a refund for are not covered. Simply contact the airline, hotel or other travel provider and cancel directly with them.

High-risk activities. Activities that take an unreasonable amount of risk of injury or death, like bungee jumping or parachuting, are excluded.

Intentional acts. Injuries, illness or losses resulting from self-inflicted actions, like drug use, intoxication or self-harm, are not covered.

Specifically designated events. Natural disasters, war, epidemics and similar events are excluded.

Is Costco travel insurance worth it?

While many travelers rely on their credit card travel insurance benefits, buying a separate travel insurance policy can be worth it.

Costco travel insurance offers higher coverage limits than what’s available through your credit card. The policies are reasonably priced, and you can easily get a free quote online in minutes.

If you’re ready to purchase, you can buy your policy online without speaking to an agent.

Costco is known for selling a variety of products and services at discounted prices. Like many of its services, Costco travel insurance is also sold through an established partner. Cover-More, a division of Zurich North America, issues all policies and is backed by Zurich Insurance Group, which has an A+ rating by A.M. Best and AA- rating from Standard and Poor’s.

Yes, travel insurance is available to all Costco members for any of your vacations. It is available whether you booked through Costco, directly with airlines or hotels, with a travel agent or through an online travel agency. Costco members receive preferred rates on Zurich products and services.

Yes, you can buy travel insurance from Costco online. Visit the Costco Travel website , then select the type of policy you want to buy. Enter basic trip details, including your destination, travel dates, your state of residence and how much you’re spending per traveler, to receive a quote. Select your policy and complete your payment to buy your insurance.

Yes, you can buy travel insurance from Costco online. Visit the

Costco Travel website

, then select the type of policy you want to buy. Enter basic trip details, including your destination, travel dates, your state of residence and how much you’re spending per traveler, to receive a quote. Select your policy and complete your payment to buy your insurance.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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What are the Costco Visa travel benefits

What are the Travel Benefits of the Costco Anywhere Visa® Card by Citi?

Exclusively for Costco members, the Costco Anywhere Visa Card by Citi offers cash back on all purchases and additional cash back on categories such as eligible gas and EV charging, restaurants and eligible travel and purchases from Costco and Costco.com. Cardholders also enjoy access to Citi Entertainment ® .

These benefits and more can make the Costco Anywhere Visa a great card for travel. Let’s look at how it works.

Cash back rewards on travel

Cardholders earn unlimited 3% cash back at restaurants and eligible travel purchases. This can include airfare, hotel stays, car rentals, travel agencies, cruises and Costco travel.

Cardholders can also make the most of road trips and vacation car rentals with 4% cash back on eligible gas and EV charging transactions for the first $7,000 every year. After the first $7,000, cardholders continue to earn 1% cash back in these categories.

Other travel benefits

Cardholders can also get access to services and benefits like:

Travel and emergency assistance
Worldwide car rental insurance
Travel accident insurance
Roadside assistance dispatch service
Zero foreign transaction fees 1

Terms, conditions and exclusions apply, please see here for more information.

These services and benefits help take the stress out of travel so you can enjoy a worry-free, relaxing vacation.

Access to Citi Entertainment

Citi Entertainment opens the door to popular experiences, such as concerts, sporting events and dining.

With the Costco Anywhere Visa Card by Citi, cardmembers can get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for some of the most anticipated concerts, sporting events and dining experiences.

Whether you want to attend a local event while on vacation or plan a trip around a concert, your Costco Anywhere Visa® Card by Citi can enhance your travel with special entertainment experiences.

1 Important Pricing & Information

Disclosure : This article is for educational purposes. It is not intended to provide legal, investment, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi product or service. For advice about your specific circumstances, you should consult a qualified professional.

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Important Information

Understanding the Costco Car Rental Program and How It Can Save Money

A re you a Costco member who loves to travel? Did you know Costco offers an exclusive service for members that can save money on car rentals? This program can be accessed through Costco Travel’s services and collaborates with well-known car rental agencies to offer an extensive fleet of rental vehicles at discounted rates.

Understanding the Costco car rental program is vital for members planning on utilizing its services. It ensures transparency, prevents unexpected costs, and allows informed decisions on vehicles and exclusive member prices. Though plenty of rental service options are available, Costco members are encouraged to take advantage of the many exclusive perks and discounts included with their membership. Not convinced yet?

Let’s discuss, in detail, the advantages of choosing Costco’s car rental program for your future travel endeavors. Whether your travels include a week-long stay at a luxury hotel or an upcoming family road trip, knowing you have the best package on your car rental will give you peace of mind.

The Many Benefits of Costco Travel

Costco Travel offers a myriad of benefits that make it a go-to choice for members looking for convenient and affordable travel options. One of the primary draws is the substantial cost savings and exclusive discounts available to Costco members. Through strategic partnerships with major car rental companies, Costco Travel ensures its members enjoy preferential rates, translating into significant savings on their travel expenses.

Moreover, the program boasts a diverse selection of available vehicles, catering to a wide range of preferences and travel needs. Whether members are searching for compact cars for city exploration, spacious SUVs for family adventures, or luxurious options for special occasions, Costco Travel provides vehicle options to suit every occasion.

In addition to cost-effectiveness and vehicle diversity, Costco Travel enhances the travel experience with additional perks and features. Members often benefit from complimentary extras like free additional drivers, unlimited mileage, and special promotions. These benefits add value to the rental and create a more enjoyable and stress-free travel experience.

Participating Car Rental Companies

Costco Travel collaborates with major car rental companies, forming a robust network that provides Costco members with diverse choices and unique features for their rental needs. The program’s impressive roster of car rental partners includes well-known names in the industry, such as Avis, Budget, Enterprise, and Alamo.

This extensive partnership ensures members have access to a broad spectrum of rental options, from economy cars to premium vehicles, enabling them to tailor their choices based on their preferences and travel requirements.

Each car rental partner within the Costco Travel program brings its own set of unique features and advantages. For instance, Avis and Budget are renowned for their widespread global presence and premium vehicle options, while Enterprise is recognized for its exceptional customer service and extensive network of conveniently located branches.

Costco car rentals are available in the United States, including Alaska and Hawaii , as well as several foreign countries.

How to Access Costco Travel’s Rental Car Program

Accessing Costco’s car rental program is a straightforward process that begins with meeting membership requirements. To unlock the program’s exclusive benefits and discounts, individuals must first be Costco members.

The program is accessible both online and in the store. The online platform provides a user-friendly interface where members can explore various rental options, compare prices, and make reservations at their convenience.

Costco’s brick-and-mortar locations facilitate access to the rental car program for those who prefer a more hands-on approach. The knowledgeable staff at Costco’s physical stores can guide members through the process, offering in-person assistance and ensuring every member gets the most out of the program.

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Understanding the rental process.

Understanding the rental process with Costco Travel is essential for a smooth and stress-free experience. The steps are as follows:

Make a reservation (either online or in-store.)
Provide travel details.
Select a vehicle.
Select a pickup and drop-off time and location

Cost Factors and Considerations

The breakdown of rental fees, as provided by Costco Travel, ensures transparency, allowing members to comprehend the full cost upfront, including base rental rates, taxes, and any applicable fees. This clarity aids in accurate budgeting and eliminates unexpected financial surprises.

However, members should also be mindful of potential additional costs. These may include fees for extra services, fuel policies, and charges for returning the vehicle late. Costco Travel often details these potential costs, empowering members to make informed decisions that align with their preferences and travel budgets.

To maximize savings, Costco Travel offers valuable tips. Members can take advantage of exclusive discounts, promotions, and additional perks to maximize their travel budgets when utilizing Costco’s rental car program.

Insurance Options

Costco’s rental program offers comprehensive insurance coverage options, aiming to provide members with peace of mind during their travels. The available insurance coverage typically includes:

Liability Insurance:

Covers bodily injury and property damage claims up to a specified limit, offering financial protection in case of an accident for which the renter is responsible.

Collision Damage Waiver (CDW):

CDW limits the renter’s financial responsibility for damage to the rental car, subject to a deductible.

Comprehensive Coverage:

This coverage offers protection against non-collision incidents, such as theft, vandalism, or natural disasters.

Personal Accident Insurance (PAI):

PAI provides coverage for medical expenses and accidental death benefits for the renter and passengers.

Personal Effects Coverage:

This option protects personal belongings inside the rental car in case of theft or damage.

Exclusive Offers and Promotions

As mentioned, Costco Travel frequently offers periodic promotions as exclusive perks for its members, enhancing the value of the Costco car rental Program. These promotions can include special discounts, complimentary upgrades, additional benefits, or unique packages, providing members with opportunities to save money or enjoy extra amenities during their car rental experience.

Staying updated on these special offers is essential for Costco members looking to maximize their benefits. Here are ways members can stay informed about periodic promotions:

Costco Travel Website:

Regularly check the Costco Travel website for announcements and featured promotions. The website often highlights ongoing offers, providing detailed information on the benefits and terms associated with each promotion.

Email Notifications:

Costco may send email notifications to its members, alerting them to the latest travel promotions related to the car rental program. Members can subscribe to receive Costco communications to stay in the loop.

Costco Connection Magazine:

The Costco Connection magazine, available to Costco members, periodically features travel-related promotions and offers. Members can peruse the magazine for insights into the latest travel deals.

Costco Travel Social Media Channels:

Follow Costco Travel on social media platforms, where the company occasionally announces promotions and exclusive offers. Social media channels often serve as real-time communication tools for companies to connect with their members.

Membership Account Alerts:

Costco members can customize their online accounts to receive alerts and notifications about special promotions. Doing so ensures they are promptly informed when new offers become available.

These are some of the most frequently asked questions concerning Costco’s car rental program.

Membership Requirements:

“Do I need a Costco membership to access the car rental program?”
Yes, a Costco membership is required to benefit from the exclusive discounts and perks offered through the Costco car rental Program.

Rental Duration:

“What is the minimum/maximum rental duration allowed?”
Costco Travel typically offers flexibility in rental durations. Check the terms and conditions for specific details and any potential restrictions.

Insurance Coverage:

“What kind of insurance is included in the rental?”
Costco’s rental packages usually include basic insurance coverage. Members are encouraged to review the details and consider additional coverage based on their preferences and needs.

Clarifying Misconceptions

As straightforward as Costco’s car rental program is, there are still some commonly misunderstood features. Here are two of them:

Exclusive to Costco Members:

“The Costco car rental program is available to non-members.”
No, the Costco car rental program is exclusive to Costco members, and the benefits are a part of the membership offerings.

Limited Vehicle Options:

“Costco only offers basic car models.”
Costco’s program works with major rental companies, providing a broad selection of vehicles, including economy, SUVs, and luxury options.

Providing Contact Information for Further Assistance

For further assistance or specific inquiries, Costco members can reach out to Costco Travel through the following channels:

Customer Service Hotline:

Members can contact the dedicated customer service line for assistance with reservations, clarifications, or concerns.

Online Help Center:

The Costco Travel website often features a comprehensive help center with FAQs and guides to address common questions.

In-Store Assistance:

Visit a local Costco store for in-person assistance from knowledgeable staff who can guide members through the program details.

Choose Costco Car Rental for Your Travel Needs

As you consider exploring the Costco Travel offerings, remember the transparent breakdown of fees, potential additional costs, and valuable tips for maximizing savings. Understanding the rental process, from reservation procedures to pickup and drop-off details, adds to the seamless experience Costco aims to provide. You’ll travel with confidence when you choose a Costco car rental for your future travel needs.

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Understanding the Costco Car Rental Program and How It Can Save Money

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Cars & RVs

11 Things to Know About Costco Car Rental

Kris Scott is the executive editor at Cheapism and has previously covered food, design, and lifestyle. Her work has previously appeared in Food & Nutrition, Modern in Denver, and Dallas-based Advocate Magazines. She lives in Colorado with her family and two heelers.

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Hit the Road

Most people know that Costco has a range of services beyond bulk buys for your home and kitchen, but one that's not well known is its car rental service (aka Costco Travel’s Low Price Finder). The big-box retailer works with a few different rental companies to offer its members discounted car rentals, and there are a number of other perks as well. Keep reading to find out everything you need to know about Costco's car rental program.

Not already a Costco member? You can apply here .

You Must Be a Costco Member to Participate

As with all Costco programs, you must be a member to use the car rental service. This means you'll need to provide your membership number when you book the car online or by phone. The service's FAQ page notes that "at the time of car pick up the rental car agent may ask to see the primary driver’s Costco membership card." Bonus: Executive members receive a 2% annual reward on Costco travel purchases.

Related: Costco by the Numbers: 22 Surprising Stats

Online or By Phone: It’s Your Choice

The easiest way to book a Costco car rental is through the Costco Travel website , but you can also reserve by calling (866) 921-7925.

Related: Don't Miss These Perks of Costco and Sam's Club Membership

Male hand holding electronic remote key pushing button near red rental car

You Can Pick Up and Drop Off at Different Locations

While you have to pick up your vehicle at the airport, you’ll have more flexibility when it comes to your drop-off location. Just put in an address, airport, or zip code, and you can choose among a list of participating locations. Note, however, that one-way rentals will be more expensive. Companies may also offer a drop-off grace period, though you’ll have to check directly with the location to confirm details.

Related: The Big Differences Between Costco and Costco.com

The Service Works with Four Car Rental Partners

The Costco Car Rental Program works with Alamo, Avis, Budget, and Enterprise. The travel website's search engine will find you the best deal among the brands, but if you have loyalty to one in particular, you can also shop by brand by clicking "rental cars" in the topmost menu here .

For more Costco tips and shopping advice, please sign up for our free newsletters .

Some Loyalty Programs Are Accepted Through the Service

Avis, Budget, and Enterprise all have loyalty programs, and you can enter those numbers on Costco Travel’s website before finalizing your reservation.

There Is No Age Limit

While there is no age limit to rent a car through the Costco program, customers under the age of 25 will pay an underage driver fee that can vary and that could offset the Costco member discount. They also must book by phone by calling (866) 921-7925 then selecting Option 1.

It's Available in the U.S. and Beyond

Rentals are offered in the U.S. — including Puerto Rico and the U.S. Virgin Islands — and also Canada, France, Germany, Ireland, Spain, and the U.K.

Additional Drivers Are Free

Alamo and Enterprise rentals allow a free additional driver in the U.S., Canada, U.K., France, Germany, Ireland, and Spain. For Avis and Budget, the fee is waived for rentals in the U.S. Additional drivers must meet all vendor requirements and be present at the time of rental. They must also present a valid driver's license and a major credit card at the time of rental (but they do not need a Costco membership card).

Changing or Canceling Reservations Is Easy and Free

If you find a better deal elsewhere or have to change your plans, it's easy to cancel your reservation on the Costco Travel website (or by phone). Just log in, click on Current bookings, click the "cancel" button, and confirm. The program will send you an email with a confirmation of your cancelation, and there is no fee involved.

You Can Get Free Car Rental Insurance (and More)

If you use your Costco Anywhere Visa credit card to book your rental, you also receive free car rental insurance (up to $50,000 toward the cost of repairs or cash value of the car), 24/7 roadside assistance in the U.S., Puerto Rico, and the Virgin Islands, and travel and emergency assistance. Other optional services such as airfare and airport transfers are not included unless specifically noted.

It's Not Always the Cheapest

While the Costco rental car program does offer some great deals and discounts, it's not always the cheapest option. Be sure to shop around, and in particular check out competitor sites like AutoSlash, Kayak, and AAA.

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How to save money with a Costco car rental

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You’re probably familiar with Costco Travel – it can help save you money and get extra perks for vacation packages . But Costco members can also use the travel program to find great rental car deals .

A few of us on the MMS team religiously book a Costco rental car because of the consistently great prices. Plus, reservations are flexible, so you can cancel at any time without paying a fee. I’ll detail how it works.

How does Costco car rental work?

You can book rental cars online or by calling Costco at 866-921-7925. No credit card information is required at the time of the reservation because you pay when you pick up the car.

When you book through Costco, you can link your car rental loyalty number to earn points and skip to the front of the car rental line.

Which rental companies are included?

If you’re booking a rental car, you can use Costco Travel to quickly compare prices and book with these four major rental car companies:

Is it available internationally?

You can rent cars in other countries, but only a handful:

And while they are not technically “international,” it’s worth noting that you can rent cars in Puerto Rico and the U.S. Virgin Islands.

The 4 benefits of Costco car rental

Here are the top Costco car rental benefits that make renting through Costco Travel a no-brainer – though you can read our post on the best websites for cheap car rentals to see its competitors.

Easy comparison shopping

Similar to online travel agencies like Kayak, Priceline, Orbitz, etc., Costco displays each rental company side-by-side for a very easy and convenient price comparison.

My favorite thing about searching for rental cars this way is that taxes are included in the displayed price. Often when you navigate to a specific rental car website, the results page will list prices before their exorbitant taxes and fees. You may very well select a car in your price range only to find out that it’s hundreds more at the checkout page.

No need to prepay

As stated above, you don’t need a credit card to reserve your car. That’s because you don’t have to pay until you pick it up. Super handy if you’re like me and change your plans fifteen times before you finally lock-in your travel arrangements. You can make prepaid reservations with a quick call – sometimes prices are lower with prepaid rentals – but the freedom to change and cancel at will is worth a lot to my family’s travel style.

To reserve your car, you will have to log into the Costco website.

Low rental prices

Costco is probably the most competitive outlet for renting cars that I’ve found. They’re almost always the cheapest, though it’s never a guarantee.

When you book through Costco Travel, you also can add your reservation information to AutoSlash (read our review here ). It’s a free service that’s an amazing way to save money if prices drop – one of the best and most effective money-saving tools in the travel world.

A free additional driver

A big perk of booking through Costco Travel is you get a free additional driver at certain locations. This benefit can save you ~$13 per day, depending on the rental car company. Do note that some companies, like Hertz, will waive the additional driver fee if you’ve got various memberships like AAA.

Your additional driver does not have to be a Costco member.

How much can you save with Costco car rental

Great question! Let’s take a look. To compare rental car prices, I researched three sample trips using:

Chase Travel Portal
Costco Travel

Keep in mind, Hotwire does not always tell you the name of the car rental agency and the exact car model until you pay for the rental. The benefit is it partners with several more rental car companies. Note that Hotwire reservations are not as flexible as Costco Travel, so while the company might have the cheapest price, you might not be able to cancel or modify your reservation.

Here’s what I found for three sample trips.

7-Day rental in Maui

I checked a week-long rental in Maui in July 2021. The cheapest option I found through Costco Travel was a full size car for $332 for the week with Budget. The second cheapest was through Hotwire, also a full size car for $378 through Enterprise. The Chase Travel Portal ’s lowest price was a midsize car for $415.84 through Budget.

In this instance, Costco is the winner. But it’s always best to compare prices because the best deal depends on your dates of travel and the type of car you’re looking to book.

One-way rental from San Francisco to Los Angeles

I checked a four-day one-way rental from San Francisco to Los Angeles in June 2021. This is a popular route for road-trippers looking to drive along the beautiful Pacific Coast Highway.

In this instance, Costco has the cheapest price at $492 for a compact car through Alamo. Hotwire charged $527 for the same car through National. Chase had an identical price of $527 for the same car through Enterprise.

Costco Travel is the winner again.

Weekend rental in Montreal

I checked a Friday to Sunday rental in Montreal in July 2021.

The majority of the rentals for this example were cheaper through Costco Travel. Costco offered a compact car for $98.04 through Avis, Hotwire charged $156 for the same car through an unknown rental agency, and Chase charged $173.02 for a compact car.

In every example, Costco was significantly cheaper. Just remember that your results may vary based on the vehicle type you’re interested in. You may find a convertible or premium car cheaper through Hotwire. Then again, Costco is probably still the cheapest option.

Which credit cards can help you save even bigger on car rentals?

The best credit cards to use at Costco are not the best ones to use when renting a car. That’s because there are several travel credit cards that come with primary rental car insurance .

When you use one of the best credit cards for a car rental and decline the rental company’s collision damage waiver (often called CDW or LDW), you could save $15+ per day, depending on what the rental company charges for its in-house coverage!

Primary rental insurance covers theft or damage to your vehicle but not damage to other vehicles and property or injuries. For liability coverage, you’ll have to rely on your own personal auto insurance or purchase a supplemental policy from the rental car company.

Here are our favorite cards that offer primary rental car insurance:

Chase Sapphire Preferred® Card
Chase Sapphire Reserve®

There is no activation required when renting with these cards. Just decline the CDW and rent with your card, and you’re covered. You’ll even earn bonus points since these cards give you extra rewards when spending on travel purchases!

It’s also worth noting that you can get primary rental car insurance with the best American Express cards, such as The Platinum Card® from American Express, but you’ll have to register your card and pay a small fee before each rental. If you’re renting even for a couple of of days, it’ll still be cheaper than buying insurance from the rental agency. Read about Amex Platinum travel insurance for all the details.

FAQ on Costco car rental

Is renting a car from costco cheaper.

It depends on everything – your dates, location, and desired rental car category. But based on my experimenting, Costco is almost always the cheapest option. And remember, you’ll get a free additional driver through Costco Travel.

How do you cancel a Costco car rental?

Canceling a car with Costco Travel is as simple as canceling with any other online travel agency. You can navigate to your trips in your account and cancel there, or you can call Costco and have someone cancel for you. You’ll have to read your specific agreement concerning fees, but unless you’ve booked a prepaid rental, canceling should be free.

How old do you have to be to rent with Costco?

You must be over the age of 25 to book a rental car through Costco Travel. For anyone under 25, check out my post about how to get the lowest rental car prices .

Bottom line

Costco members can find great rental car deals with Alamo, Avis, Budget, and Enterprise through Costco Travel . Besides cheap prices, booking through Costco Travel means you get a free additional driver at certain locations, which will save you money.

I compared rental car prices on Costco Travel , Hotwire , and the Chase Travel Portal . The results showed Costco travel prices were either the cheapest or very competitive with the other sites. Remember that Costco Travel reservations are flexible, so you can cancel at any time without paying a fee.

Don’t forget to add your rental car reservation details to AutoSlash to see if you can save even more money.

Do you book rental cars through Costco Travel? I’d love to hear more about your experience in the comments below.

Sarah Hostetler

Contributor

Sarah Hostetler is a contributor to Million Mile Secrets. She covers topics on points and miles, credit cards, airlines, hotels, and general travel.

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Hilton Moorea Lagoon Resort and Conrad Bora Bora Nui

Limited-time package.

Daily Buffet Breakfast
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Included Extras Valued at EUR 843

Tahiti: Hilton Moorea and Conrad Bora Bora Nui Limited-Time Package

Hilton Moorea Lagoon Resort & Spa is located between historic Cook’s Bay and Opunohu Bay, the property offers a white-sand beach, a blue lagoon and tropical gardens. Conrad Bora Bora Nui offers an idyllic escape from the bustle of everyday life. Combining Polynesian tradition with state-of-the-art amenities, the resort allows guests to unwind and rejuvenate in style.

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Included extras.

Special savings off the package room rate (will be reflected in price)

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Welcome lei greeting

Hilton Moorea Included Extras:

Daily buffet breakfast (will be reflected in price)

Nightly three-course dinner for two (a EUR 131 value)

EUR 100 Resort credit

Complimentary Wi-Fi (per room, a EUR 54 value)

Complimentary mini-bar stocked daily with soft drinks, beers and mineral waters (per room, a EUR 135 value)

Conrad Bora Bora Nui Included Extras:

Nightly three-course dinner for two (a EUR 251 value)

Complimentary Wi-Fi (per room, a EUR 72 value)

One romantic gourmet in-villa dinner for two (an XPF 55,000 value)

Included Extras Value

Included Extras above valued at EUR 843 for a seven-night stay

Executive Member Benefit

Executive Members receive an annual 2% Reward, up to $1,250, on qualified Costco Travel purchases

Vacation Includes

Round-trip economy class airfare from Los Angeles on Air Tahiti Nui

One way catamaran transfer between Tahiti and Moorea

Transportation to and from hotel

Three nights in a Panoramic Overwater Bungalow at Hilton Moorea Lagoon Resort & Spa

Four nights in a Deluxe Overwater Villa at Conrad Bora Bora Nui

Airfare taxes and hotel taxes

Air Tahiti Nui Includes

All-inclusive round-trip airfare on Air Tahiti Nui includes one free checked bag, inflight entertainment, a choice of meals and alcoholic beverages, a pillow, a blanket, and an amenity kit at every seat, at no additional cost.

Featured Moorea Accommodations

Hilton Moorea Lagoon Resort & Spa

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Ideally located between historic Cook’s Bay and Opunohu Bay, the property offers a white-sand beach, a blue lagoon and tropical gardens.

Featured Bora Bora Accommodations

Conrad Bora Bora Nui

Located on a long stretch of white sand beach in Bora Bora, this fully renovated resort is a tropical playground with unrestricted sunset views, diverse sea life, daily cultural activities, and access to the resort's private islet, Motu Tapu.

The Costco Star Rating assigned to each hotel is only intended as a guideline. The rating is based on information that has been compiled by Costco Travel buyers and might differ from other references.

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Costco Travel recommends the purchase of insurance as an affordable way to cover your travel investment. Click on Travel Insurance below to view complete insurance information.

*Unless otherwise stated, prices are per person, in U.S. dollars and based on double occupancy. Due to airfare and flight availability and/or currency fluctuation, price is subject to change. Fees for checked baggage may apply and vary by airline. For complete information, please visit the airline's website.

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What to know about chase ink car rental insurance.

Quick insights

Some consumer and business credit cards offer rental car insurance as a benefit for cardmembers.
The coverage is usually an auto rental collision damage waiver, which provides reimbursement for damage due to collision or theft.
Chase Ink Business® credit cards provide rental car insurance as part of their cardmember benefit program.

Car rental insurance is one example of a credit card benefit that comes with certain business and consumer credit cards. If you’re a Chase Ink Business ® cardmember, you get a form of rental car coverage as a benefit. The coverage could allow you to avoid paying your auto insurance deductible if your rental car is damaged.

Read on to learn about rental car insurance through a credit card.

Auto insurance protection with a credit card

Credit cards may come with pros and cons . One pro is that some credit cards like Chase Ink and consumer credit cards give their cardmembers access to auto insurance protection. The cards that offer this protection often fall into the travel rewards card category.

The coverage is typically an auto rental collision damage waiver, which may reimburse you for theft or collision damage. To be eligible for this coverage, you usually need to decline the rental company’s collision insurance and charge the entire cost of the rental to your card.

Sometimes this is offered as a form of secondary coverage, which means it pays out after your personal auto insurance. You’ll need to first file a claim with your auto insurer, and once it pays out, you’ll submit a claim through the credit card’s insurance. The secondary protection could potentially pay for expenses like your insurance deductible or other costs not covered by your insurer. A select few credit cards—including Chase Ink—offer primary coverage.

The auto rental collision damage waiver is often the most expensive insurance that rental car companies offer. A credit card with this car rental protection typically allows you to skip this purchase.

How primary car rental insurance coverage works with a credit card

Business credit cards offer many benefits for business owners. If you’re interested in getting a business credit card , consider how it could potentially help in the following ways.

Some business owners may find that the credit card application and approval process is faster than applying for a loan.
Business credit cards sometimes offer business-friendly features, such as complimentary employee credit cards and comprehensive expense tracking software.
A credit card is a widely accepted payment option and could be a quick and convenient way to pay some of your vendors.
Business credit cards typically offer a higher credit limit than consumer credit cards.
Responsible use of a business credit card may help you build your business credit score, which could potentially help you access higher lines of credit and lower interest rates in the future.

Some business cardmember benefits that come with a business credit card

Some credit cards provide car rental insurance that serves as primary coverage. Primary coverage may be valuable because it allows you to bypass your auto insurance and pays for eligible damage to your rental car. You typically won’t need to involve your insurer or pay your insurance deductible. That could potentially help you avoid a rising insurance premium.

In some cases, secondary credit card coverage may become primary coverage. For example, if you don’t have an auto policy or your rental isn’t covered by your policy, your secondary credit card coverage could become your primary coverage.

Since coverage can vary among credit cards, you may want to call the number on the back of your credit card or review the card’s Guide to Benefits to find out what’s included.

Chase Ink car rental insurance benefits

As a complimentary benefit, Chase Ink business credit cards offer rental car insurance that provides primary coverage. That means that you can file a claim directly through your Chase Ink coverage without first submitting it to your personal auto insurer.

You’ll need to use the car for business purposes, decline the rental company’s coverage and pay for the rental with your Chase Ink card to be eligible. The policy may provide reimbursement for eligible theft or collision damage.

This coverage is one of many ways a business credit card could benefit you . If you think this cardmember benefit could help your business, it might be a good first step to learn how to apply for a business credit card .

How to file a Chase Ink car rental insurance claim

If theft or damage occurs, report your claim to the Benefit Administrator within 60 days of the incident. You can find the Benefit Administrator’s contact information by reviewing the Guide to Benefits or contacting the number on the back of your credit card.

You’ll likely need to submit documentation with your claim. Here are some of the documents you could be asked to provide:

Signed Auto Rental Collision Damage Waiver Claim form
Copy of your receipt or billing statement showing your car rental charged to the eligible card
Written statement from employer verifying that the rental was for business purposes

If you’re a business owner interested in credit card rewards, perks and benefits, such as car rental insurance, explore these Chase business credit cards to find an option that aligns with your business needs.

Some consumer and business credit cards provide rental car insurance as a travel benefit. A percentage of these cards, including Chase Ink Business cards, offer this insurance as primary coverage. That means cardmembers may not need to involve their insurer or pay a deductible if eligible damage occurs.

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