Travel Insurance vs Rental Coverage: Do You Need Both?

Travel Insurance vs Rental Coverage: Do You Need Both?

Travel policy vs rental waivers—understand overlaps and choose the mix that fits your risk and budget.

1 min de lectura

Right after landing, you’re steps from the garage and a quick decision awaits at the desk. As you walk toward car rental, remember that Hola Car Rentals offers No additional fees and free travel insurance up to US$150,000 on selected plans—so your choice is simpler.

You can compare options on car hire pages while you plan. Use the notes below to decide fast.

How the two products differ

Travel policies focus on trip cancellation, delays, medical emergencies, and baggage. Some add optional rental‑vehicle benefits, often secondary and capped by category or rental length.

Waivers offered at the counter apply to the specific vehicle and contract you sign. They can be primary, simpler to administer, and faster for routine incidents.

A fast way to choose at the counter

Ask three questions: What are my liability limits today? Am I comfortable paying a deposit and waiting for reimbursement? Will a claim affect my personal premiums?

If you value simplicity, a comprehensive waiver bundle is often the easiest path. If you already hold robust benefits elsewhere, confirm exclusions and documentation before declining waivers.

Before you finalize your plan, review practicalities like Miami Airport pickup area, LAX pickup zone and JFK desk hours to match schedules.

FAQ

  • Will travel insurance pay first? Often no. Many policies are secondary for vehicle damage.
  • Can I mix coverage types? Yes, but read terms carefully to avoid conflicts or gaps while driving.

Bottom line

Pick the protection that fits your tolerance for risk and admin. With Hola Car Rentals, you’ll see the numbers clearly in advance and head out confident. Book today with Hola Car Rentals.