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

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
Capital One VentureOne Rewards Credit Card
Capital One Savor Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
Southwest Rapid Rewards® Plus Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One Platinum Secured Credit Card
Journey Student Rewards from Capital One
Capital One Platinum Credit Card
Capital One® Spark® Cash for Business
Capital One Spark Miles for Business
Capital One Spark 1.5% Cash Select
Capital One Spark Miles Select for Business
Capital One® Spark® Classic for Business
Capital One® Spark® Cash for Business

Auto rental collision damage

Travel accident insurance

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.

Compare Capital One credit cards with travel insurance

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
Capital One VentureOne Rewards Credit Card			Up to 1.25x miles	0% intro for the first 15 months (then 19.24% - 29.24% variable)	$0	Go to site View details	Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.	Compare	loading Fetching your data...
Capital One Venture X Rewards Credit Card			Up to 10x miles	21.24% - 28.24% variable	$395	Go to site View details	Capital One's premium luxury travel card, featuring airport lounge access at 1,300+ lounges.	Compare	loading Fetching your data...
Capital One Venture Rewards Credit Card			Up to 5x miles	20.24% to 28.24% variable	$95	Go to site View details	Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months ​from account opening.	Compare	loading Fetching your data...

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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

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.