Does the Wells Fargo Autograph cover it?
Wells Fargo lists 2 of the 11 protections we track with terms: rental car damage (secondary in the U.S., primary abroad) and cell phone protection (up to $600 per claim). 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: pay for the rental with the card and decline the rental company's collision insurance. Secondary in the United States, primary outside it. Covers the lesser of the repair cost or the car's actual cash value, plus reasonable towing and loss of use. Rentals of up to 15 consecutive days in the U.S. 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 only: assistance and referral; you pay the cost of any medical, legal or transportation services. No evacuation or medical-expense coverage is listed.
Cell phone protection Listed with terms
Cellular Telephone Protection: up to $600 per approved claim for damage, theft or involuntary and accidental parting, less a $25 deductible, with a maximum of two paid claims per 12-month period. Pay your monthly cell phone bill with the card. Phones that are lost (mysteriously disappear) are not covered.
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 Autograph 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.
- Cancel for any reason: not listed for this card (it is not listed for any card we checked).
Quick answers
Does the Wells Fargo Autograph cover trip delay?
Trip delay 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.
Does the Wells Fargo Autograph cover trip cancellation?
Trip cancellation & interruption 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 Autograph’s rental car coverage primary?
The Wells Fargo source describes it as secondary in the U.S. / primary abroad. Auto Rental Collision Damage Waiver: pay for the rental with the card and decline the rental company's collision insurance. Secondary in the United States, primary outside it. Covers the lesser of the repair cost or the car's actual cash value, plus reasonable towing and loss of use. Rentals of up to 15 consecutive days in the U.S. 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 Autograph cover medical costs abroad?
Wells Fargo lists assistance or conditional cover only. Travel and Emergency Assistance Services only: assistance and referral; you pay the cost of any medical, legal or transportation services. No evacuation or medical-expense coverage is listed. Check your Guide to Benefits.
Do I have to pay with the Wells Fargo Autograph?
The sources we checked tie these protections to how you pay. Rental car collision damage (CDW): Auto Rental Collision Damage Waiver: pay for the rental with the card and decline the rental company's collision insurance. Cell phone protection: Pay your monthly cell phone bill with the card. Check your Guide to Benefits.
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