USAA Rate Advantage Visa Platinum Card Insurance Benefits 2025

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Victor
Victor
Credit card insurance expert @Hellosafe
The USAA Rate Advantage Visa Platinum® Card provides essential insurance benefits designed to protect purchases and offer supplemental travel coverage. With features like Auto Rental Collision Damage Waiver, Purchase Security, and Cellular Telephone Protection, this card offers valuable protections for everyday use and occasional travel needs.
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For travel, the card includes Auto Rental Collision Damage Waiver (ARCDW), which reimburses for damage or theft of eligible rental vehicles for rental periods of up to 31 consecutive days. This benefit applies when the rental cost is fully charged to the card, and the rental agency’s collision damage waiver is declined. Exclusions apply for certain vehicle types like luxury cars and trucks.

Travel Insurance Card Rate Advantage Visa Platinum USAA

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Car Rental Insurance Card Rate Advantage Visa Platinum USAA

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Content Insurance Card Rate Advantage Visa Platinum USAA

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FAQ - USAA Rate Advantage Visa Platinum

faq

How can I contact customer support?

For inquiries about USAA credit card benefits, contact the Benefit Administrator at 1-844-288-2141.

How do I report a claim?

To report a claim or request assistance, reach the Benefit Administrator at 1-844-288-2141.

Who is insured?

Coverage applies to the cardholder and immediate family members for purchases or travel made with the eligible card.

How can I obtain an insurance certificate?

You can request an insurance certificate by contacting the Benefit Administrator at 1-844-288-2141.

For which sports activities am I not insured?

Exclusions include high-risk activities, pre-existing conditions, and damages due to negligence. Refer to the full policy for details.

From when am I covered, and for how long?

Coverage begins immediately after the purchase or booking is made with the eligible card.

In which countries am I covered? Am I covered worldwide?

Yes, worldwide coverage is provided as long as purchases or travel are made using the card.

To benefit from the coverage, does the trip need to be paid in full with the card?

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