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 this coverage is an extra benefit through certain credit cards.

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 cover canceled trips, expenses due to flight delays, rental car damage and more.

• The coverage you receive 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.

If you use a credit card with travel insurance to book and pay for a trip, you may be covered 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’s how some common types of travel insurance coverage work. 

• Trip cancellation and interruption insurance: Sometimes you can’t take a planned trip after all or have to cut one short 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 6 hours or more—because of reasons like inclement weather or equipment failure, insurance may 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 insurance: If your luggage is lost or stolen, travel insurance could reimburse you for the cost of the items.

• Baggage delay insurance: 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.

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

Remember to check your guide to benefits for the specific benefits and associated terms and conditions that come with your card.

These Capital One credit rewards credit cards can offer some travel insurance.

• Venture X

• Venture

• VentureOne

• Quicksilver

• Savor

Benefits differ based on the card. To see which product your Capital One card is, check your monthly statement. You can learn more ​​about travel insurance coverage by reading your guide to benefits.

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.

• Check 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. 

• Submit your claim, which may require you to answer questions from the administrator, complete a form and provide necessary receipts.

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

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 unlimited 1.5% 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.