As someone who rents cars often, I've been curious about using Turo (it's like Airbnb for cars). I didn't know if premium travel credit card insurance would apply.

Barclaycard Arrival* World Elite Mastercard: Yes! The benefits administrator told me Turo is covered as long as all other conditions of the benefit are met - mainly declining the optional Turo insurance. Some cars are excluded (big vans, pickups, exotics). The Tesla 3 is covered, all other Teslas are not.

​​​​​​Chase Sapphire Reserve: this is a clear NO. I called and they said there is an exclusion that specifically names Turo, Getaround and other similar car sharing services

​​​​​​​So your mileage may vary - best to call your card and find out.