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’re a Capital One cardholder, you may already have travel insurance through your card, if it offers that benefit. Learn about the insurance and its benefits, plus which Capital One cards offer it. 

What you’ll learn:

• Capital One has several credit cards, including miles rewards cards, that come with travel insurance.

• Travel insurance could reimburse you for a canceled trip. It might also cover expenses during a delay or the costs of rental car damage.

• The coverage you receive depends on the credit card, the card issuer and the card network that provides the benefits.

• If you have travel insurance through a credit card, you’re typically covered as soon as you charge the cost to your card.

Travel insurance offered through a credit card can help protect you from unexpected expenses if something goes wrong when you’re traveling. Those expenses could include everything from trip cancellations to lost or stolen luggage.

Keep in mind that travel insurance coverage may vary by card issuer. If you have a Capital One credit card, you can check your card’s benefits guide to see which types of travel insurance you have access to.

Here are common types of coverage and the benefits they may offer. 

• Trip cancellation and interruption insurance: Sometimes you can’t take a planned trip after all, or have to cut one short. 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, inclement weather or other type of delay, insurance may cover expenses you might incur during the delay, like food and lodging.

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

• Lost luggage or baggage delay insurance: If your luggage is lost or stolen or you experience a baggage delay, travel insurance could reimburse you if you buy replacement items.

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

• Travel assistance services: These could include referrals to a local, English-speaking doctor or lawyer if needed during a trip. They might also include pre-trip help, like guidance on vaccinations required in the countries you’re visiting.

• Emergency medical coverage: If you become sick or injured while you’re traveling, your card’s travel insurance may cover medical treatment. It may also include medical transportation, if necessary.

These Capital One rewards credit cards offer travel insurance.

• Venture X

• Venture

• VentureOne

• Quicksilver

• Savor

The card you choose may provide some travel insurance benefits. And card networks, such as Visa® and Mastercard®, may provide other benefits. To see which network your Capital One card belongs to, check the logo on your card or your monthly statement.

If you have an eligible Capital One credit card, you already have access to travel insurance benefits. Because each card has its own terms and conditions, it’s worth checking what you’re covered for before setting off on a trip. 

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

Here are steps you may need to take when filing a travel insurance claim through your Capital One credit card.

• Refer to your card’s benefits guide for details on your coverage and submitting a claim.

• Save all relevant receipts and proofs of purchase. 

• Check whether there’s a time limit for filing a claim after an incident.

• Contact the administrator listed in your benefits guide with the details of your claim. 

• Submit your claim, which may include answering questions from the administrator, completing a form and providing necessary receipts.*

Several Capital One credit cards offer travel insurance among their benefits. They include Venture X, Venture, VentureOne and Savor.

If you’re interested in applying for a credit card, you could compare them and other Capital One cards.