Which credit card has the highest maximum vehicle value for car rental insurance? Most cap out at 65k, meaning there's a good chance that the random vehicle you were assigned will be worth too much and therefore not be covered.

In 2025, the national average cost for a new vehicle in Canada was roughly $63,439. But most credit cards offering rental car insurance will limit coverage to only cars under 65k (or 85K if you're lucky). And this number has not been adjusted in over a decade, to reflect the new reality of car values. Which means that if you choose a minivan, or get randomly upgraded to a bigger or nicer SUV, the insurance you thought you had through your credit card is moot.

We got rear ended in France, and the credit card we assumed would cover the damages was just like "nah, vehicle assigned at random to you was too expensive once you factor in local prices converted to CAD."

And now looking back on cars we've rented recently, a good portion of them were technically not covered, because cars just cost too much these days.

So are there any cards that cover rental cars worth more than 85k? Our Mariott Amex seems to be the best at 85k, but most are only 65k. We travel a lot so this is an important benefit to us.