What are the different kinds of additional coverages I can purchase?
Depending upon where you are renting the vehicle, Thrifty offers the following Optional Protection Packages at the time of rental: Loss Damage Waiver (LDW), Personal Accident Insurance (PAI), Personal Effects Coverage (PEC), Emergency Sickness Protection (ESP), and Liability Insurance Supplement (LIS). The cost, coverage, provider and availability vary by location, vehicle category and rate. Please refer to the location’s terms and conditions to determine whether LIS is required for travel from the USA into Canada and the cost of such coverage.
The optional products offered by the rental company many duplicate coverage provided by the renter’s personal automobile insurance or insurance the renter may have through another source. Purchase of optional products is not required to rent the vehicle in Canada or the U.S. Separate brochures available at the rental location summarize the optional products. We charge a per day fee for each day, or part of a day, the vehicle is rented for any optional products you select.
This is a summary only and is subject to specific benefits, exclusions, limitations and exceptions of the Liability Insurance Supplement, Personal Accident and Personal Effects and Emergency Protection Insurance policies (which are available for inspection upon request).
Loss Damage Waiver ("LDW") – Canada and U.S. Rentals:
If the renter purchases one of the optional LDW plans, Thrifty will agree to waive the renter's responsibility for loss or damage to the vehicle in full or in part (depending on the LDW plan accepted). LDW is not insurance or an insurance product.
LDW does not apply if: (1) the renter uses the vehicle in violation of the rental agreement; (2) the renter fails to remove the keys, or close and lock all windows, doors and trunk, and the vehicle is stolen or vandalized; (3) the renter fails to notify us and the police immediately after the loss; and (4) the renter fails to pay the charges under the rental agreement; or (5) other exceptions as allowed by the applicable state or provincial law.
Before deciding whether to purchase LDW, the renter may wish to determine whether their own automobile insurance or credit card agreement provides coverage for rental vehicle damage or loss and determine the amount of the deductible under your own insurance coverage. The purchase of LDW is not mandatory. LDW is not insurance.
Personal Protection Plan ("P&P") Canada and U.S. Rentals: P&P includes Personal Accident Insurance ("PAI") and Personal Effects Insurance (“PEC”) and where offered must be purchased together.
PAI provides benefits to the renter and the renter's passengers for accidental medical expenses, ambulance expenses and accidental death benefits during the rental. If this optional coverage is purchased by a renter, the renter is covered twenty-four hours a day for all accidents, whether the renter is actually in the rental vehicle or not at the time of the accident. Passengers in a Thrifty vehicle are only covered for accidents occurring while the passengers occupy the Thrifty vehicle.
PEC insures the personal effects of the renter and any member of the renter's immediate family traveling with the renter up to the limits of liability provided. A member of a renter's immediate family must permanently reside in the renter's household. If this optional coverage is purchased by the renter, PEC covers only personal effects with which the renter or immediate family member are traveling. PEC pays covered claims even if the renter's homeowner's policy provides coverage.
Liability Insurance Supplement ("LIS") – U.S. Rentals
Provides liability protection up to $1,000,000 for claims brought by others
- Up to $1,000,000 for bodily injury or property claims with uninsured/underinsured motorist**
- No deductible for you to pay to Thrifty
Liability Insurance Supplement - U.S. Rentals
Thrifty LIS coverage provides you with up to US$1 million combined single limit of liability protection should bodily injury and property damage claims be made against you by people injured in an accident involving the Thrifty car (on rentals in CA and FL up to $2,000,000 combined single limit for liability protection only). LIS, in combination with liability protection which may otherwise be provided by Thrifty, safeguards your insurance policy and/or your personal assets for up to the first $1 million should such claims be made against you. LIS also provides you with up to $1,000,000 in coverage for combined bodily injury and/or property damage claims, should you be harmed by an uninsured/underinsured driver. Prices vary by location. Pricing of LIS for a specific rental will be provided at time of reservation. LIS is not available on rentals in Canada.
Emergency Sickness Protection ("ESP"):U.S. Rentals
ESP is available to all renters who are non-U.S. citizens including Canadians who possess valid non-U.S. passports at the time of rental. ESP provides certain medical benefits for some sicknesses that may occur during rental periods of thirty days or less. ESP also covers individuals possessing valid non-U.S. passports at the time of rental traveling with the renter. Benefits include up to $10,000 per person for reasonable and customary cost of necessary medical care for covered sickness, including (A) medical or surgical treatment; (B) hospital services, supplies, x-rays and laboratory fees; (C) local ambulance and (D) visits to a physician’s office, and are subject to a $100 deductible per person per sickness. ESP does not provide coverage for any sickness for which symptoms began or treatment received during the twelve months prior to the beginning of the rental period; expenses incurred outside of the U.S.; expenses for eyeglasses, contact lenses or hearing aids; losses incurred while participating in racing, professional club, intercollegiate or interscholastic sports; losses from an accident, cardiovascular disease, cancers tumors, tuberculosis, organ transplant, congenital conditions, deviated septum, cosmetic surgery, dental care, sexually transmitted diseases, birth control, fertility/infertility treatment, pregnancy, miscarriage, abortion, and emotional or mental disorders of any kind; and losses while traveling against the advice of a physician or while traveling for the purpose of receiving medical treatment. ESP does not apply in Mexico.
Mexico Insurance: U.S. Rentals
Vehicles rented in the United States may not be driven into Mexico without obtaining Mexico Insurance. Mexico Insurance provides a customer with liability and damage protection on the rental vehicle to be in compliance with Mexican law when visiting Mexico. The Mexico Insurance policy permits the customer to travel up to 250 miles south of the U.S./Mexico border in the rented vehicle. The policy provides coverage for liability to third parties arising from the use of the rental vehicle (to the applicable limit of liability), collision and comprehensive coverage for the rental vehicle (subject to applicable deductibles) and limited medical expense coverage. Coverage is subject to all limits, terms, limitations and exclusions in the Mexico Insurance policy. Mexico Insurance is available only at select locations in the U.S.