Compare Capital One credit card travel insurance | finder.com
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Capital One credit card travel insurance

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

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.

Compare Capital One credit cards with travel insurance

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0 intro annual fee for the first year ($95 thereafter)
17.99%, 22.74% or 25.24% variable

N/A

Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
$0
14.24%, 20.24% or 24.24% variable

N/A

Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
$0 intro annual fee for the first year ($95 thereafter)
16.74%, 22.24% or 25.74% variable

N/A

Earn unlimited 4% cash back on dining, 2% on groceries and 1% on all other purchases.
$0
16.24%, 22.24% or 26.24% variable
0% for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
Earn a one-time $150 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
$0
16.24%, 22.24% or 26.24% variable
0% for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
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

Venture® from Capital One®
Venture® from Capital One®

Insurance coverage
  • Travel accident insurance
  • Auto rental collision damage
VentureOne® from Capital One®
VentureOne® from Capital One®

Insurance coverage
  • Travel accident insurance
  • Auto rental collision damage
Savor® Rewards from Capital One®
Savor® Rewards from Capital One®

Insurance coverage
  • Travel accident insurance
  • Auto rental collision damage
SavorOne℠ Rewards from Capital One®
SavorOne℠ Rewards from Capital One®

Insurance coverage
  • Travel accident insurance
  • Auto rental collision damage
Quicksilver® from Capital One®
Quicksilver® from Capital One®

Insurance coverage
  • Travel accident insurance
  • Auto rental collision damage
QuicksilverOne® from Capital One®
QuicksilverOne® from Capital One®

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

Insurance coverage
  • Travel accident insurance
  • Auto rental collision damage
Journey® Student Credit Card from Capital One®
Journey® Student Credit Card from Capital One®

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

Insurance coverage
  • Travel accident insurance
  • Auto rental collision damage
Spark® Cash from Capital One®
Spark® Cash from Capital One®

Insurance coverage
  • Auto rental collision damage
Spark® Miles from Capital One®
Spark® Miles from Capital One®

Insurance coverage
  • Auto rental collision damage
Spark® Cash Select from Capital One®
Spark® Cash Select from Capital One®

Insurance coverage
  • Auto rental collision damage
Spark® Miles Select from Capital One®
Spark® Miles Select from Capital One®

Insurance coverage
  • Auto rental collision damage
Spark® Classic for Business
Spark® Classic for Business

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.
Compare credit cards with travel insurance

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