Capital One credit cards with travel insurance

Whether you’re a frequent jet-setter or an occasional road-tripper, travel insurance can help protect you financially if something unexpected happens. And if you use a credit card with travel insurance to book and pay for a trip, you may already be covered. 

Find out more about travel insurance, its benefits and which Capital One cards offer it.

What you’ll learn:

• Capital One has several credit cards that come with various travel-related benefits.

• Travel insurance could help cover canceled trips, expenses due to flight delays, rental car damage and more.

• Coverage varies based on your card and the benefits provider, so check your Capital One card’s benefit guide for details.

• Travel insurance claims for trips booked with a Capital One card involve submitting documentation to the benefits provider, not Capital One.

Yes, Capital One offers travel insurance for eligible cardholders.

Here are some of the Capital One credit cards that may offer travel insurance:

• Venture X
• Venture
• VentureOne
• Quicksilver
• Savor

Travel insurance could help you recover certain eligible expenses if something goes wrong while you’re traveling. With a Capital One credit card, covered expenses may include:

• Trip cancellation and interruption insurance: Sometimes you can’t take a planned trip due to an unexpected illness. In that case, cancellation coverage may reimburse you up to a certain amount for some prepaid costs.

• Trip delay reimbursement: If you experience a delayed flight—typically of six hours or more—because of reasons like inclement weather or equipment failure, insurance may help cover expenses like food and lodging.

• Auto rental insurance: Rental car insurance may help protect you from paying for things like collision damage and theft.

• Lost luggage or baggage delay insurance: If your luggage is lost or stolen, travel insurance could help reimburse you for the cost of the items. Similarly, you could be covered for the cost of essentials purchased while you’re without your delayed baggage.

• Travel accident insurance: In case of death or dismemberment while traveling, you or your family members could receive benefits.

Cardholder benefits may vary depending on the card, so it’s important to understand your particular Capital One card’s benefits.

If you have an eligible Capital One credit card, you already have access to travel insurance benefits. Because each benefit has its own terms and conditions, it’s worth checking your coverage before setting off on a trip. Check your cardholder benefits guide and speak to your benefits administrator to learn which types of travel protection your card may include and how to use them. 

If you’re a Capital One Mastercard cardholder, you can visit Mastercard’s Priceless™ to find out more about your benefits and merchant offers.

To get even more out of your Capital One card, you could book your trips through Capital One Travel. Depending on your card, you can earn as much as 10X miles on hotels and rental cars and 5X miles on flights, vacation rentals and activities booked through Capital One Travel.

Here are steps you may need to take when filing a travel insurance claim:

1. Check your card’s benefits guide for details on your coverage and submitting a claim.

2. Collect all relevant documentation, including rental agreements, receipts and proofs of purchase. 

3. Contact the administrator listed in your benefits guide as soon as possible. Keep in mind there are time-sensitive notification requirements and filing deadlines, so you can begin your claim even if you don’t have all documents at the time of filing. You can add documentation to your claim after it’s open.

4. Submit your claim, which may require you to answer questions from the administrator, complete a form and provide necessary receipts. If you need to mail in any documents, provide copies instead of the originals.

Several Capital One credit cards currently offer travel-related benefits for new Capital One cardholders. They include the Venture X, Venture, VentureOne, Quicksilver and Savor cards.

If you’re new to credit or searching for your next credit card, Capital One can help: 

• See if you’ll be approved for credit cards with 100% certainty—without harming your credit scores.

• Explore travel rewards cards with unlimited miles you can actually use. 

• Earn cash back on every purchase, every day, with a cash back rewards card. 

• Monitor your credit report and score with CreditWise from Capital One. It’s free, and using it won’t hurt your credit scores.