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Make sure you read and understand all the terms and conditions, not just the marketing info. In many cases I have look into, insurance policies that claim to reduce the excess on rental cars also require you to pay the rental company any excess reduction fees they offer.
So if the standard excess is, say $2000, and the rental company offers to reduce that to $500 for a fee of $15/day, in order for the travel insurance to further reduce that excess down to say $350 you must accept and pay for the rental company excess reduction.
This may not be the case with this card. I have not looked at the terms and conditions for this particular card and its excess reduction. But be aware of the way some policies are structured and make sure you know exactly how and by how much you are covered. I would hate to think I was covered for an excess reduction down to $350 only to later find I was exposed for $2000 because I had not fully understood the terms and conditions.
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