Package deal, priceline bids (prepaid to Priceline, not to the rental car company), whatever, your credit card wont pick up the coverage - it is very clear in the T&C that you MUST rent the car and pay the ENTIRETY of the rental cost to rental car company with your CC (versus only the fee and taxes), otherwise you lose out on the coverage. The fine print is very clear in this regard. In your case, you paid Prince hotel for the cost of rental car as part of the package - then the balance of fee and extra you paid with your CC - that is NOT the entirety you paid for your rental car to the rental car company directly.

Your back and forth with MC will not go anywhere - simply waste your time.

Besides, what are you thinking? MC in this case is the SECONDARY coverage - they wont pay the full amount, they only pay what is left unpaid by your insurance company if you have comprehensive coverage. Obviously you do. I dont know if you need to file with your own insurance company first or not, I do know you need to submit your own car policy declaration page to MC as part of the paperworks required. MC paid the hailstorm damage on our rental for the full repair estimate of $2282 because our own car policy was liability only. So MC became primary. The loss of usage is very difficult to get approval eventhough MC said it covers it. It requires the Fleet Log and is subj to magnified glass examination. MC does NOT cover Admin charge. Visa does.

OT: Paid the entirety with the card is extreme important in any benefits provided by CC - in the case of purchase protection or extended warranty - dont ever pay a portion of it by giftcard or coupon for an expensive item that you want coverage - store discount is ok but using coupon or giftcard to reduce the purchase cost is NOT.