Does the Navy Federal More Rewards Amex cover it?
Navy Federal Credit Union lists 4 of the 11 protections we track with terms: rental car damage (up to $50,000 per rental; secondary), purchase protection (up to $1,000 per loss for 90 days), extended warranty (up to 12 extra months, up to $10,000) and return protection (up to $300 per item within 90 days). Assistance only: emergency evacuation & medical. Not listed on the sources we checked: trip cancellation, trip delay, baggage delay, lost or damaged bags, travel accident and cell phone protection. No medical-expense cover is listed.
What the issuer lists
Trip cancellation & interruption Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Trip delay Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Baggage delay Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Lost or damaged baggage Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Rental car collision damage (CDW) Listed with terms
North America Car Rental Loss & Damage Insurance: excess coverage for damage to or loss of the rental vehicle, up to $50,000 per rental, when the entire rental fee is charged to the card. You must first claim on your own insurance. Coverage period up to 31 consecutive days.
Travel accident insurance Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Emergency evacuation & medical Assistance / conditional only
Emergency assistance services while traveling. The guide says most assistance services are offered at no cost, but depending on the service you may be responsible for its costs. No evacuation or medical-expense coverage is listed.
Cell phone protection Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Purchase protection (damage & theft) Listed with terms
Retail Protection: new items bought entirely with the card and/or its points, damaged or stolen within 90 days of purchase: up to $1,000 per loss and $50,000 per cardholder account per 12-month period. Secondary to other insurance.
Extended warranty Listed with terms
Extended Warranty: up to an additional 12 months after the original manufacturer's (or U.S. store brand) warranty, only on warranties of 12 months or less; up to the amount charged to the card or $10,000, whichever is less. The item must be bought entirely with the card and/or its points.
Return protection Listed with terms
Return Protection: if the merchant won't take back a designated item within 90 days of purchase, a refund of the purchase price up to $300 per item (excluding shipping and handling) and up to $1,000 annually per card account. The item must be bought entirely with the card.
Before you rely on this: benefits only apply when you pay the way the terms require (often the full purchase, fare, rental or phone bill on the card), they have exclusions, claim deadlines and documentation rules, and they can change. Your card’s Guide to Benefits is the final word. Not insurance advice.
What this card doesn’t list
Protections the Navy Federal More Rewards Amex sources we checked say are not included, or don’t mention. Not listed doesn’t mean not covered: check your Guide to Benefits. For trips, a standalone travel insurance policy is one way people fill gaps like these; whether that is worth it depends on your trip.
- Trip cancellation & interruption: not listed on the issuer source we checked.
- Trip delay: not listed on the issuer source we checked.
- Baggage delay: not listed on the issuer source we checked.
- Lost or damaged baggage: not listed on the issuer source we checked.
- Travel accident insurance: not listed on the issuer source we checked.
- Emergency evacuation & medical: assistance or conditional only (see above).
- Cell phone protection: not listed on the issuer source we checked.
- Medical treatment costs abroad: no medical-expense coverage is listed for this card.
Quick answers
Does the Navy Federal More Rewards Amex have cell phone protection?
Cell phone protection is not listed on the Navy Federal Credit Union sources we checked for this card. Not listed doesn’t mean not covered. Check your Guide to Benefits.
Does the Navy Federal More Rewards Amex have purchase protection?
Navy Federal Credit Union lists purchase protection for this card. Retail Protection: new items bought entirely with the card and/or its points, damaged or stolen within 90 days of purchase: up to $1,000 per loss and $50,000 per cardholder account per 12-month period. Secondary to other insurance. Check your Guide to Benefits.
Does the Navy Federal More Rewards Amex extend warranties?
Navy Federal Credit Union lists extended warranty for this card. Extended Warranty: up to an additional 12 months after the original manufacturer's (or U.S. store brand) warranty, only on warranties of 12 months or less; up to the amount charged to the card or $10,000, whichever is less. The item must be bought entirely with the card and/or its points. Check your Guide to Benefits.
Does the Navy Federal More Rewards Amex have return protection?
Navy Federal Credit Union lists return protection for this card. Return Protection: if the merchant won't take back a designated item within 90 days of purchase, a refund of the purchase price up to $300 per item (excluding shipping and handling) and up to $1,000 annually per card account. The item must be bought entirely with the card. Check your Guide to Benefits.
Is the Navy Federal More Rewards Amex’s rental car coverage primary?
The Navy Federal Credit Union source describes it as secondary (excess). North America Car Rental Loss & Damage Insurance: excess coverage for damage to or loss of the rental vehicle, up to $50,000 per rental, when the entire rental fee is charged to the card. You must first claim on your own insurance. Coverage period up to 31 consecutive days. Check your Guide to Benefits.
Does the Navy Federal More Rewards Amex include travel insurance?
The Navy Federal Credit Union sources we checked list emergency evacuation & medical for this card; see each protection above for its terms. No medical-expense coverage abroad is listed. Check your Guide to Benefits.
Do I have to pay with the Navy Federal More Rewards Amex?
The sources we checked tie these protections to how you pay. Rental car collision damage (CDW): North America Car Rental Loss & Damage Insurance: excess coverage for damage to or loss of the rental vehicle, up to $50,000 per rental, when the entire rental fee is charged to the card. Purchase protection (damage & theft): Retail Protection: new items bought entirely with the card and/or its points, damaged or stolen within 90 days of purchase: up to $1,000 per loss and $50,000 per cardholder account per 12-month period. Extended warranty: Extended Warranty: up to an additional 12 months after the original manufacturer's (or U.S. store brand) warranty, only on warranties of 12 months or less; up to the amount charged to the card or $10,000, whichever is less. Return protection: Return Protection: if the merchant won't take back a designated item within 90 days of purchase, a refund of the purchase price up to $300 per item (excluding shipping and handling) and up to $1,000 annually per card account. Check your Guide to Benefits.
Similar cards
Also check
Card coverage vs a standalone travel policy: what to compare · All protections explained · All cards (103 checked)