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Guide to Capital One travel insurance: Which credit cards have it?

You'll find just two travel insurance options with this bank.

Though Capital One only offers two types of travel insurance, many of their cards can offer it through Visa or Mastercard perks. To qualify, you need to purchase the entirety of your fare or rental using your Capital One card, and the policies listed in this article are subject to change at Capital One’s discretion. Here are the cards that offer coverage and how you can file a claim.

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
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Capital One® Spark® Miles for Business
Yes
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Capital One® Spark® Cash Select for Business
Yes
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Capital One® Spark® Miles Select for Business
Yes
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Capital One® Spark® Classic for Business
Yes
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Capital One® Spark® Cash for Business
Yes
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Auto rental collision damage

Who is eligible
  • Eligible cardholder and primary renter.
  • Other drivers you add to the rental agreement.
What is included
  • Vehicle damage
  • Vehicle stolen
  • The rental company imposes eligible loss-of-use charges or administrative charges
  • Reasonable towing fees
What isn’t included
  • Expensive, antique or exotic vehicles
  • Some vans
  • Vehicles with open cargo beds
  • Trucks
  • Motorcycles, motorbike and mopeds
  • Limousines
  • Recreational vehicles
Coverage amountsThe actual cash value of your rental, minus depreciation
How to file
  • As soon as possible, call the Capital One benefit administrator at 800-397-9010 to report the theft or damage. If you’re traveling internationally, call collect at 303-967-1093.
  • If you can’t call immediately, report the theft or damage within 45 days of the incident.You’ll need to include a copy of the following: accident report form and claim document, the initial and final auto rental agreements, itemized repair bill and repair estimate, two photos of the damaged vehicle, the police report.
  • You’ll also need to submit the claim form for the auto rental CDW, evidence that the entire rental was charged to your card, a statement from your insurer listing the costs you’re liable for and what you’ve paid so far, a copy of your primary insurance policy’s declarations page, and any other materials requested from your benefit administrator.

Travel accident insurance

Who is eligible
  • Primary cardholder.
  • A spouse or domestic partner.
  • Unmarried dependent children.
What is included
  • The accidental loss of life, limb, sight, speech or hearing during a covered trip while riding in, entering or exiting any licensed common carrier, provided the entire cost of the fare has been charged to the eligible Capital One credit card
What isn’t included
  • Emotional trauma
  • Mental or physical illness
  • Pregnancy, childbirth or miscarriage
  • Bacterial or viral infection
  • Bodily malfunctions
  • Suicide, attempted suicide or intentionally self-inflicted injuries
  • Declared or undeclared war
  • Travel between the insured person’s residence and regular place of employment
  • Accidents occurring while an insured is in, entering or exiting an aircraft owned by Capital One Financial
Coverage amountsBetween $250,000 and $1,000,000 depending on your card
How to file
  • As soon as possible, call the Capital One benefit administrator at 800-397-9010 to report the theft or damage. If you’re traveling internationally, call collect at 303-967-1093.
  • If you can’t call immediately, report the theft or damage within 45 days of the incident.You’ll need to include a copy of the following: accident report form and claim document, the initial and final auto rental agreements, itemized repair bill and repair estimate, two photos of the damaged vehicle, the police report.
  • You’ll also need to submit the claim form for the auto rental CDW, evidence that the entire rental was charged to your card, a statement from your insurer listing the costs you’re liable for and what you’ve paid so far, a copy of your primary insurance policy’s declarations page, and any other materials requested from your benefit administrator.

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

Pro tip

If you charge the entire cost of your travel fare to your Capital One card, you may also receive coverage for transportation immediately before, during and after your departure and arrival.
This might include transportation by:

  • Taxi
  • Bus
  • Train
  • Airport limousine
  • Courtesy transportation
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Compare Capital One credit cards with travel insurance

Name Product Filter values Rewards Purchase APR Annual fee
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 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months ​from account opening
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Compare up to 4 providers

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.

Read more about credit card travel insurance offered by different brands

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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.

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