Does the Wells Fargo Active Cash cover it?
Wells Fargo lists 2 of the 11 protections we track with terms: rental car damage (up to $50,000; secondary in the U.S., primary abroad) and cell phone protection (up to $600 per claim, $25 deductible). Assistance only: emergency evacuation & medical. Not listed on the sources we checked: trip cancellation, trip delay, baggage delay, lost or damaged bags, travel accident, purchase protection, extended warranty and return 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
Auto Rental Collision Damage Waiver: up to $50,000. Pay for all of the rental with the card and/or its rewards and decline the rental company's collision loss/damage insurance. Secondary in the United States; primary outside it. Rentals up to 15 consecutive days in the United States and 31 outside it. Not available in Israel, Jamaica, the Republic of Ireland or Northern Ireland.
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
Travel and Emergency Assistance Services: assistance and referral only. You pay for any medical, legal, transportation or other services. No evacuation or medical-expense coverage is listed.
Cell phone protection Listed with terms
Cellular Telephone Protection: up to $600 per claim to repair or replace a cell phone that is damaged, stolen or unrecoverable after involuntary and accidental parting, less a $25 deductible. Maximum 2 paid claims and $1,200 per 12 month period. Pay the monthly wireless bill with the card; coverage starts the first day of the calendar month after the bill posts. Cracked screens or cosmetic damage that don't affect function, and phones that are simply lost, are not covered. Pays after other insurance.
Purchase protection (damage & theft) 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.
Extended warranty 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.
Return 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.
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 Wells Fargo Active Cash 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).
- Purchase protection (damage & theft): not listed on the issuer source we checked.
- Extended warranty: not listed on the issuer source we checked.
- Return 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 Wells Fargo Active Cash have cell phone protection?
Wells Fargo lists cell phone protection for this card. Cellular Telephone Protection: up to $600 per claim to repair or replace a cell phone that is damaged, stolen or unrecoverable after involuntary and accidental parting, less a $25 deductible. Maximum 2 paid claims and $1,200 per 12 month period. Pay the monthly wireless bill with the card; coverage starts the first day of the calendar month after the bill posts. Cracked screens or cosmetic damage that don't affect function, and phones that are simply lost, are not covered. Pays after other insurance. Check your Guide to Benefits.
Does the Wells Fargo Active Cash have purchase protection?
Purchase protection (damage & theft) is not listed on the Wells Fargo sources we checked for this card. Not listed doesn’t mean not covered. Check your Guide to Benefits.
Is the Wells Fargo Active Cash’s rental car coverage primary?
The Wells Fargo source describes it as secondary in the U.S. / primary abroad. Auto Rental Collision Damage Waiver: up to $50,000. Pay for all of the rental with the card and/or its rewards and decline the rental company's collision loss/damage insurance. Secondary in the United States; primary outside it. Rentals up to 15 consecutive days in the United States and 31 outside it. Not available in Israel, Jamaica, the Republic of Ireland or Northern Ireland. Check your Guide to Benefits.
Does the Wells Fargo Active Cash include travel insurance?
The Wells Fargo 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 Wells Fargo Active Cash?
The sources we checked tie these protections to how you pay. Rental car collision damage (CDW): Pay for all of the rental with the card and/or its rewards and decline the rental company's collision loss/damage insurance. Cell phone protection: Pay the monthly wireless bill with the card; coverage starts the first day of the calendar month after the bill posts. Check your Guide to Benefits.
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