Thanks Ralph, & Jim We have a USAA world master card, they advised they it doesn't cover the loss of use of the rental car, just the deductible. Out of country coverage is a whole new issue I had not considered so this demands further investigation. Greg, great idea I will look into that. Joe Pica Carolyn Ann GH N-37 MTOA #3813, AGLCA #5485 http://carolynann-n37.blogspot.com/