Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Capital One travel insurance: Which credit cards have it?

A wide selection of cards, but few coverage options.

Updated

Fact checked
man holding cup overlooking a terrace
Though there are limited travel insurance perks associated with Capital One credit cards, cardholders can still find a card that offers some of your desired protection. You may find that you need to supplement your insurance if you want more coverage.

Types of Capital One travel insurance policies

Here is a breakdown of the two types of travel insurance you’ll receive when using certain Capital One credit cards.

Auto rental collision damage waiver.
You’ll have car rental coverage for damage due to collision or theft on eligible rental car vehicles.

Travel accident insurance.
Receive coverage against death and other bodily losses while traveling with a licensed common carrier. You must have charged your entire fare to your Capital One card.

What does “common carrier” mean?

Definitions vary, but a common carrier is often any public form of transportation that requires a ticket — for example, an airplane, bus or train.

Covered losses for Capital One travel accident insurance
  • Life
  • Limb
  • Sight
  • Speech
  • Hearing

Travel insurance provided by Capital One

Auto rental collision damage
Travel accident insurance
Capital One® Venture® Rewards Credit Card
Yes
Yes
Capital One® VentureOne® Rewards Credit Card
Yes
Yes
Capital One® Savor® Cash Rewards Credit Card
Yes
Yes
Capital One® SavorOne® Cash Rewards Credit Card
Yes
Yes
Southwest Rapid Rewards® Plus Credit Card
Yes
Yes
Capital One® Quicksilver® Cash Rewards Credit Card
Yes
Yes
Capital One® QuicksilverOne® Cash Rewards Credit Card
Yes
Yes
Capital One® Secured Mastercard®
Yes
Yes
Journey® Student Rewards from Capital One®
Yes
Yes
Capital One® Platinum Credit Card
Yes
Yes
Capital One® Spark® Cash for Business
Yes
cross-icons
Capital One® Spark® Miles for Business
Yes
cross-icons
Capital One® Spark® Cash Select for Business
Yes
cross-icons
Capital One® Spark® Miles Select for Business
Yes
cross-icons
Capital One® Spark® Classic for Business
Yes
cross-icons
Capital One® Spark® Cash for Business
Yes
cross-icons

What to watch out for

Capital One’s travel insurance policies are subject to change.

To receive travel accident insurance, you’ll need to pay for the entirety of your fare using your Capital One credit card. Capital One will send you a full explanation of your card benefits and coverages when you open your account.

Compare Capital One credit cards with travel insurance

Name Product Filter values Rewards Purchase APR Annual fee
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Capital One® VentureOne® Rewards Credit Card
5x miles on Uber Eats and 1.25x miles on all purchases
0% intro for the first 12 months (then 15.49%, 21.49% or 25.49% variable)
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Capital One® Quicksilver® Cash Rewards Credit Card
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.49% to 25.49% variable)
$0
This no-annual-fee 1.5% cashback card offers of intro APR on purchases. No foreign transaction fees set this card apart.
Capital One® Venture® Rewards Credit Card
5x miles on Uber Eats and 2x miles on all purchases
17.24%, 21.99% or 24.49% variable
$95
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
Capital One® Secured Mastercard®
N/A
26.99% variable
$0
Get access to a higher credit line after making your first 5 monthly payments on time.
loading

Compare up to 4 providers

Back to top

Who is eligible for Capital One travel insurance coverage?

All Capital One cardholders receive some form of travel insurance. If you want the coverage, however, you’ll need to purchase the entirety of your travel or rental using your credit card.

Cardholders, their spouse and legal dependents receive coverage under Capital One travel insurance. Car rental insurance obtained this way applies to the cardholder and anyone else listed as a driver on the rental agreement.

If you need to cover domestic partners or other family members, you’ll need to look for other insurance options.

Lost luggage reimbursement

Visa cardholders may be eligible to receive coverage for lost or damaged luggage. This is a perk under the Visa umbrella, so you can also gain other Visa perks for picking up a Capital One Visa card.

Do I receive coronavirus coverage?

Capital One doesn’t offer any insurance options that cover coronavirus. You can check out our coronavirus coverage guide for more information about credit card coverage options.

How to file a Capital One travel insurance claim

Filing your insurance claim differs slightly depending on which coverage you need to file.

In the event of a loss, you or your beneficiary should contact the claim administrator for a claim form. Contact information is available in your card’s guide to benefits.

You or your beneficiary will then complete the claim form. If the claim administrator deems the loss eligible, it will distribute the benefit to you or your beneficiary. A beneficiary is the person or entity of your choice who will receive an insurance benefit in the event of your death.

Lost luggage

  1. Notify the Common Carrier to begin their claims process.
  2. Call the Capital One benefit administrator at 800-757-1274 to explain your loss. You need to make this call within 20 days of your loss date.
  3. Complete the claim form you receive from the benefit administrator. You need to complete and mail this form within 90 days of your loss date.
  4. Notify your insurance company.

Travel accident insurance

  1. Write and send a written claim notice to Capital One within 20 days of your accident.
  2. Complete the claim form you receive from Capital One. You need to send this back within 90 days of the date of your accident.

Auto rental collision damage

  1. Call the Capital One benefit administrator at 800-397-9010 within 45 days of your accident. You should call before liability has even been established.
  2. Obtain documentation from the auto rental company, including:
    • A copy of the accident report form and claim document.
    • A copy of the initial and final rental agreements.
    • A copy of the repair estimate and itemized repair bill.
    • Two photographs of the damaged vehicle.
    • A police report.
  3. Submit these documents along with a completed auto rental claim form to the benefit administrator within 90 days of the date of your accident. You’ll also need to send:
    • A copy of your receipt to indicate the vehicle was charged to your credit card.
    • A statement from your insurance carrier showing the costs that you’re responsible for.
    • A copy of your automobile insurance policy’s declarations page.
    • Any other documentation your benefit administrator deems necessary.

How much coverage will I receive for travel accidents?

This depends on which Capital One card you have. Typically, you’ll have $100,000 to $250,000 of travel accident insurance, but the Savor cards offer up to $1,000,000 in coverage.

If your card is a Visa, your coverage may also vary if you have the Platinum or Signature version.

The following are the typical coverage amounts for Capital One cards. These values may vary based at Capital One’s discretion.

CardAmount of coverage
Capital One® Platinum Credit Card$100,000
Capital One® Venture® Rewards Credit Card$250,000
Capital One® VentureOne® Rewards Credit Card$100,000 (Visa Platinum)
$250,000 (Visa Signature)
Capital One® Quicksilver® Cash Rewards Credit Card$100,000
Capital One® QuicksilverOne® Cash Rewards Credit Card$100,000
Capital One® Savor® Cash Rewards Credit Card$1,000,000
Capital One® SavorOne® Cash Rewards Credit Card$1,000,000
Journey® Student Rewards from Capital One®$100,000
Capital One® Secured Mastercard®$100,000
Capital One® Spark® Cash for Business$250,000
Capital One® Spark® Miles for Business$250,000
Capital One® Spark® Miles Select for Business$250,000
Capital One® Spark® Classic for BusinessNone

Read more about credit card travel insurance offered by different brands

Barclays logoBarclaycard logo
Chase logo
Bank of America logoBank of America logo
Picture not described
Citibank logo
Picture not describedCapital One Logo
hsbc logo
Discover logoDiscover logo
Back to top

Bottom line

While it’s convenient that every Capital One credit card comes with some form of travel protections, the cards are more limited in their coverage than other brands out there. Check out other issuers that offer credit cards with travel insurance if you’re looking for more robust coverage.

Frequently asked questions

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site