What is PAI (Personal Accident Insurance)?

The following information is for US customers only, for information relating to other regions please refer to the country specific FAQs


Personal Accident Insurance (PAI) insures drivers of a rental car and their passengers for accidental medical costs, emergency care and accidental death during your rental trip, up to a certain limit. Please check the amount of coverage on your policy if you have or intend to purchase personal accident insurance with your rental company to determine if the coverage is adequate.

RentalCover.com policies don't cover Personal Accident Insurance (PAI). 


What is the standard level of coverage?

The following table provides an overview of the standard levels of coverage provided by insurers in the US:

Claim Standard Coverage
Accidental Driver Death $100,000 to $200,000
Accidental Passenger Death $10,000 to $30,000
Medical Coverage for Injuries $2,500 - $5,000
Ambulance Coverage $250 - $500

How does the claim process work?

If you or a passenger are injured as a result of driving your rental vehicle, you will need to contact your rental company's insurer directly to place a claim. This will normally involve filling out a claims form, and you will be required to provide the details of your insurance, a receipt of the premium you paid and invoices for your medical costs (hospital and ambulance). In the case of death, the next of kin can place the claim with the insurer and provide details of the accident.

Contact Us

Please check if these questions are relevant or scroll down to contact us:

About RentalCover.com

  1. Our policies are 50% cheaper than the rental companies, guaranteed!
  2. Enjoy your travel without worrying about rental companies overcharging you for damages!
  3. Our policies are built for the unique requirements of vehicle renting in every country.
  4. Accident-related fees are expensive - we fully cover them.
  5. Our underwriters are some of the best known insurance brands globally.
  6. Multi-vehicle accidents can be complicated. We handle all of the insurance back and forth and reimburse you straight away so you can relax (see our Claims Guide).
Our Rental Guides explain how everything works.
Our Rental Guides explain what is included with the car booking and what to say when you are offered additional insurance at the rental desk.

Our Rental Guides explain how everything works.
Our global insurance panel includes “A” rated household names such as those below.
Our underwriters.
US Fire Axa Assistance Collinson Group Intact Insurance Chubb


Our Rental Guides explain how everything works.
Yes. Additional drivers on the rental agreement are automatically covered free. We do not need their names.

Our Rental Guides explain how everything works.
Not recommended! There are many examples of disgruntled renters who have been charged by rental companies for damages that did not happen, or where the repair cost is inflated, or where the related fees exceed the minor damage. These are all covered in full by RentalCover.com.

Our Rental Guides explain how everything works.
Damage costs and associated fees will be payable to the rental company. Once a claim is submitted, we reimburse the damage costs and related fees charged by the rental company. Our target for claims is 3 days once all documents are submitted.

Our Rental Guides explain how everything works.
You can add coverage for off-road 4x4s, campervans, motorhomes & small buses in the quote form.

Our Rental Guides explain how everything works.
Offroad 4x4s that are to be driven on unsealed roads are covered if you select the 4x4 option in the quote form. You still need to adhere to the rules of the rental agreement. For all other vehicles, if your rental agreement permits you to drive on unsealed roads you are covered by RentalCover.com.

Our Rental Guides explain how everything works.
Insurance policies are always calculated in full calendar days to ensure you are covered for the full trip even if you pick up early or drop off late!

Our Rental Guides explain how everything works.
Yes. You are covered up to the policy limit for each individual incident.

Our Rental Guides explain how everything works.
We are just about to launch agency.rentalcover.com, a platform dedicated to helping travel agents make bookings for multiple clients and keep them organized under a single login. We also included a very generous commission structure for our travel agent partners. Find out more
Yes they can! RentalCover.com has created a platform specifically for travel agents, corporate managers and booking agents. We offer competitive prices for all of your clients and a generous commission structure for all agents. Visit agency.rentalcover.com and register your work email to access the full benefits of the platform.

Here are just some of the key features that our agency platform offers:

  • A very generous commission structure for every new booking or referral to another agent
  • A single, personalised login to manage and administer multiple bookings for multiple clients
  • A very easy-to-use dashboard that shows all bookings and dates to enable easily modification of multiple bookings
  • Clients also retain full access to the booking so that they can directly edit their bookings, if required.
Click here for more information

Renting a car overseas? Sort out the insurance before you go, and you’ll get better coverage at a better price. Insurance products may differ based on where you live and where you’re going, so choose your destination from the country list below and we’ll help you compare a typical rental car company policy, often called Collision Damage Waiver (CDW), to what you’d get with RentalCover.com.


Popular destinations

Australia    Canada    China    France   Germany   

Italy   Japan     Mexico   UK    US       

Other destinations


Claims Info

Visit the claims page for everything you need know about how to make a claim including our document requirements and how long it takes.

If your question isn't answered by the above please fill in the below form or give us a call:

Email Us

Phone Us

+61 2 8188 4745
+973 1619 6427
+55 19 3957 3458
+1 (587) 600-0412
Canada (Toll Free)
(844) 515-2056
+45 89 88 45 46
+358 75 325 2845
+33 9 70 73 27 61
+49 32 211 122165
Hong Kong
+852 5808 5951
+972 2 372 4218
+39 0862 060 139
+81 3 4540 9544
+31 85 8888 124
New Zealand
+64 4 888 0146
+48 22 397 91 21
South Africa
+27 87 550 3582
+34 518 889 143
+46 10 138 80 53
+41 31 528 06 02
United Kingdom
+44 141 280 5760
United States
+1 (337) 423-0869
United States (Toll Free)
(844) 856-3234

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Coverage for vehicles with less than 9 seats (including driver).