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Capital One travel accident insurance: Which cards have it?
Almost every Capital One card offers this benefit.
It can be important to take precautions for unforeseen circumstances or events that may happen while traveling. Fortunately, almost all Capital One cards come with travel accident insurance that can give you some peace of mind. Your benefits will vary depending on which Visa or Mastercard you have.
What's in this guide?
What is Capital One travel accident insurance?
This is 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.
What does “common carrier” mean?
Definitions vary, but a common carrier is often any public form of transportation that requires a ticket — for example, an airplane, bus or train.
Covered losses for Capital One travel accident insurance
- Life
- Limb
- Sight
- Speech
- Hearing
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.
| Card | Amount 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 Business | None |
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.
How do I get a Capital One credit card with travel accident insurance?
You can apply for Capital One credit cards on the provider’s website. Before applying, verify on the card page that there’s travel accident insurance. You may also want to check the card’s guide to benefits, if available, to verify coverage amounts.
Compare Capital One credit cards with travel accident insurance
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How can I use travel accident insurance from Capital One?
The most important thing to remember is to pay for your travel with your Capital One card. For example, if you’re taking a flight, put the entire fare on your card. You won’t be covered if you use a different payment method, even if you’re a Capital One member.
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.
What is a beneficiary?
A beneficiary is the person or entity of your choice who will receive an insurance benefit in the event of your death.
A benefit is a payment made under an insurance policy.
Who gets to use Capital One travel accident insurance?
Typically, Capital One travel accident insurance automatically applies to:
- You.
- Your spouse or domestic partner.
- Your unmarried dependent children.
Bottom line
Travel accident insurance can give you extra peace of mind on your trip. To qualify for it, pay for your entire fare with your Capital One credit card.
Compare Capital One credit cards to find the right one for you. If a Capital One card isn’t what you’re looking for, compare other providers that offer credit cards with travel insurance.
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