Capital One credit card travel insurance

With only accident and car rental coverage, your protections are limited.

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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.

Our pick for Capital One travel insurance

Capital One® VentureOne® Rewards Credit Card

  • Earn 1.25x miles on all purchases; 10x miles on purchases made through hotels.com/venture until January 2020
  • Earn 20,000 bonus miles once you spend $1,000 within your first 3 months when you open your account
  • Get 0% intro APR on purchases for your first 12 months, a variable APR of 13.74% – 23.74% applies thereafter
  • No annual fee
  • No foreign transaction fee
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Compare Capital One credit cards with travel insurance

Name Product Filter values Rewards Purchase APR Annual fee
2x miles on all purchases and 10x miles at hotels.com/venture
17.49%, 22.24% or 24.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
1.25x miles on all purchases and 10x miles at hotels.com/venture
0% intro for the first 12 months (then 13.74%, 19.74% or 23.74% variable)
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
16.24%, 21.74% or 25.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn $300 after spending $3,000 in the first 3 months.
3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
$0
Earn $150 after spending $500 in the first 3 months.
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day.

Compare up to 4 providers

Types of Capital One travel insurance policies

Auto rental collision damage waiver.

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

Travel accident insurance.

Receive coverage for accidental death and dismemberment for you and your immediate family.

Travel insurance provided by Capital One

Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
See offer

Insurance coverage
  • Travel accident insurance
  • Auto rental collision damage
Capital One® VentureOne® Rewards Credit Card
Capital One® VentureOne® Rewards Credit Card
See offer

Insurance coverage
  • Travel accident insurance
  • Auto rental collision damage
Capital One® Savor® Cash Rewards Credit Card
Capital One® Savor® Cash Rewards Credit Card
See offer

Insurance coverage
  • Travel accident insurance
  • Auto rental collision damage
Capital One® SavorOne® Cash Rewards Credit Card
Capital One® SavorOne® Cash Rewards Credit Card
See offer

Insurance coverage
  • Travel accident insurance
  • Auto rental collision damage
Capital One® Quicksilver® Cash Rewards Credit Card
Capital One® Quicksilver® Cash Rewards Credit Card
See offer

Insurance coverage
  • Travel accident insurance
  • Auto rental collision damage
Capital One® QuicksilverOne® Cash Rewards Credit Card
Capital One® QuicksilverOne® Cash Rewards Credit Card
See offer

Insurance coverage
  • Travel accident insurance
  • Auto rental collision damage
Capital One® Secured Mastercard®
Capital One® Secured Mastercard®
See offer

Insurance coverage
  • Travel accident insurance
  • Auto rental collision damage
Journey® Student Rewards from Capital One®
Journey® Student Rewards from Capital One®
See offer

Insurance coverage
  • Travel accident insurance
  • Auto rental collision damage
Capital One® Platinum Credit Card
Capital One® Platinum Credit Card
See offer

Insurance coverage
  • Travel accident insurance
  • Auto rental collision damage
Capital One® Spark® Cash for Business
Capital One® Spark® Cash for Business
See offer

Insurance coverage
  • Auto rental collision damage
Capital One® Spark® Miles for Business
Capital One® Spark® Miles for Business
See offer

Insurance coverage
  • Auto rental collision damage
Capital One® Spark® Cash Select for Business
Capital One® Spark® Cash Select for Business
See offer

Insurance coverage
  • Auto rental collision damage
Capital One® Spark® Miles Select for Business
Capital One® Spark® Miles Select for Business
See offer

Insurance coverage
  • Auto rental collision damage
Capital One® Spark® Classic for Business
Capital One® Spark® Classic for Business
See offer

Insurance coverage
  • Auto rental collision damage

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.

Who is eligible for Capital One travel insurance coverage?

All Capital One cardholders receive both travel accident and car rental collision damage 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. That means 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.

How to file a Capital One travel insurance claim

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

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 which you’re responsible for.
    • A copy of your automobile insurance policy’s declarations page.
    • Any other documentation your benefit administrator deems necessary.

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. Compare travel credit cards if you’re looking for one that offers more robust insurance coverage.

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