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Does AMEX Cover Turo Rentals?

If you’re planning to rent a car for your upcoming trip, you might consider Turo an alternative to traditional car rental companies. Turo is a peer-to-peer car sharing platform that allows you to rent a car from an individual car owner. But, if you’re an American Express cardholder, you might wonder if your card covers Turo rentals. In this article, we’ll explore whether or not AMEX covers Turo rentals and what you need to know before renting a car through Turo.

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Car rentals can be expensive, and traditional car rental companies can be a hassle to deal with. Turo offers a more affordable and convenient way to rent a car for your next trip. But, before you book your rental, you should know what type of coverage you have with your credit card, particularly if you’re an AMEX cardholder.

Does AMEX cover Turo rentals?

The short answer is, it depends. American Express offers various types of coverage, but the coverage provided for Turo rentals may vary depending on your card and location. You should check with your AMEX card issuer to determine if Turo rentals are covered under your card’s benefits.

Some AMEX cards may provide coverage for car rentals, including Turo rentals. For example, the Platinum Card® from American Express provides coverage for car rentals up to $75,000. However, the coverage may not include liability coverage, so it’s important to read the terms and conditions of your card’s coverage carefully.

Types of coverage provided by AMEX

If your AMEX card provides coverage for Turo rentals, you may be eligible for the following types of coverage:

Car rental loss and damage insurance

This coverage protects against damage or theft of the rental car. This coverage is usually secondary, which kicks in after your personal insurance coverage.

Premium car rental protection

This coverage provides protection for damage or theft of the rental car and liability coverage. This coverage is usually primary, which kicks in before your personal insurance coverage.

Personal liability insurance

This coverage provides protection for damages or injuries you cause to others while driving the rental car.

Personal accident insurance

This coverage protects medical expenses for injuries you or your passengers sustain in a car accident.

How to claim with AMEX

If you’re involved in an accident or the rental car is stolen, you should file a claim with your personal insurance provider first. After that, you should file a claim with AMEX. You should provide documentation of the accident or theft, including a police report, and any other relevant documentation, such as rental agreements and receipts.

What to do if your claim is denied

If your claim is denied, you should review the terms and conditions of your AMEX card’s coverage. If you believe the denial was incorrect,

If you believe the denial was incorrect, contact AMEX customer service to discuss the situation further. It’s important to understand that AMEX may not cover certain incidents, such as off-road accidents or reckless driving. Reviewing your coverage carefully and understanding the limitations and exclusions is always best.

Turo’s protection plans

In addition to the coverage provided by your AMEX card, Turo offers its protection plans. Turo’s protection plans include liability insurance and physical damage protection. The protection plans vary in price and coverage level, and you can choose the plan that best fits your needs.

It’s important to note that Turo’s protection plans are not insurance and may not cover all situations. If you rely solely on Turo’s protection plans, you should read the terms and conditions carefully and understand the limitations and exclusions.

Pros and cons of using Turo

Using Turo can have several advantages, including lower prices, a wider selection of vehicles, and a more convenient rental process. However, there are also some drawbacks to using Turo. For example, the car’s condition may not be up to par, and the owner may not be as reliable as a traditional rental car company.

It’s important to weigh the pros and cons of using Turo before deciding. If you’re an AMEX cardholder, consider your card’s coverage and how it may affect your decision.

Tips for renting a car through Turo

If you decide to rent a car through Turo, there are several things you should keep in mind to ensure a smooth rental experience. Here are some tips:

  • Read the car description carefully to make sure the car meets your needs.
  • Check the owner’s reviews to ensure they have a good reputation.
  • Communicate with the owner before and during the rental to establish expectations.
  • Take photos of the car before and after the rental to document any damages.
  • Fill up the gas tank before returning the car to avoid additional fees.

Alternatives to Turo

If you’re not comfortable with renting a car through Turo, there are several alternatives you can consider. Traditional car rental companies like Hertz and Enterprise offer a wide selection of cars and have established reputations. Other peer-to-peer car sharing platforms, such as Getaround and Zipcar, offer similar services to Turo.


If you’re an AMEX cardholder considering renting a car through Turo, it’s important to understand your card’s coverage and what it does and does not cover. While AMEX may provide coverage for Turo rentals, it’s important to review the terms and conditions carefully and understand the limitations and exclusions. Turo also offers its protection plans, which may be a good option if your card’s coverage is limited.