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 travel insurance.

• 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.

• If you have travel insurance through a credit card, you’re typically covered as soon as your card is charged for an eligible booking or purchase.

Travel insurance provides coverage for unexpected expenses if something goes wrong while you’re traveling. Those expenses could include everything from trip cancellations to lost or stolen luggage.

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

• Venture X

• Venture

• VentureOne

• Quicksilver

• Savor

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 that there are time-sensitive notification requirements and filing deadlines.

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

Here’s how some common types of travel insurance coverage work:

• 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.

• Travel assistance services: These could include referrals to a local, English-speaking doctor or lawyer if needed during a trip. Services might also include help before your trip with things like guidance on required vaccinations.

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, vacation rentals and activities booked through Capital One Travel.

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’re pre-approved for credit cards without harming your credit scores. 

• If you’re looking to build your credit with responsible use, explore cards for people with fair credit. 

• 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 for everyone, and using it won’t hurt your credit.