Capital One travel insurance: Which credit cards have it?

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.

Covered losses for Capital One travel accident insurance

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® Secured Mastercard®
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® Cash Select for Business
Capital One® Spark® Miles Select for Business
Capital One® Spark® Classic for Business
Capital One® Spark® Cash for Business

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			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	View details	Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.	Compare	loading Fetching your data...
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	View details	This no-annual-fee 1.5% cashback card offers of intro APR on purchases. No foreign transaction fees set this card apart.	Compare	loading Fetching your data...
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	View details	Earn 60,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.	Compare	loading Fetching your data...

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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.

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.

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.

Frequently asked questions

• How much of my luggage is reimbursed?

  Capital One Visa cards will cover up to $3,000 in reimbursements for eligible luggage loss or damages.

• What losses are covered under Capital One auto collision damage insurance?

  Physical damage or theft, valid loss-of-use charges substantiated by the rental company and “reasonable and customary” towing charges due to covered theft or damage.

• What types of rental vehicles are not covered?

  Expensive or exotic vehicles, antiques and vans are not covered under your auto collision damage insurance.