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 as part of your card’s benefits. Read on to find out more.

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, pay for expenses during a delay or cover the costs of rental car damage.
• The coverage you receive depends on the credit card, the issuer and the network that provides the benefits.
• If you have a card with travel insurance, you’re typically covered as soon as you charge the cost to your card.

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Potential benefits of travel insurance

Travel insurance through your card could help protect you from unexpected expenses if something goes wrong when traveling. Every card is different, but you can check your card’s benefits guide for coverage details and to see which types of travel insurance you have access to. Here are a few of the most common types of coverage and how they can help:

• Trip cancellation and interruption insurance: If you can no longer go on a trip or have to cut a trip short for covered reasons, 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 some other type of delay, this 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.
• Baggage loss or delay insurance: Lost, delayed or stolen baggage can interrupt your trip. If you need to buy replacement items, you could be reimbursed.
• Travel accident insurance: In cases of death or dismemberment while traveling, you or your family could receive benefits.
• Travel assistance services: This could include referrals to a local, English-speaking doctor or lawyer if needed during a trip. It could also include pre-trip help, like guidance on what vaccinations are required for different countries.

Which Capital One cards have travel insurance?

Coverage can vary. You can check your card’s benefits guide to learn more.

The card may provide some travel insurance benefits. And card networks, such as Visa® and Mastercard®, may provide others. Here’s a look at what’s included with the credit card network programs available with Capital One cards:

How to access travel insurance

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

Filing a travel insurance claim

Here are some steps you could take when filing a travel insurance claim through your Capital One credit card:

• Read your card’s benefits guide to better understand your coverage.
• Be sure to 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.
• Answer any questions, complete a form and submit your receipts to complete the claim.*

Key takeaways: Capital One credit cards and travel insurance

Several Capital One credit cards include travel insurance among their benefits. The level of coverage varies between cards.

If you’re interested in a Capital One credit card that offers travel insurance, you can compare Capital One cards. If you find a good fit, you can find out whether you’re pre-approved before applying. It’s quick and won’t hurt your credit scores.

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*Additional documentation may be needed such as police report, repair estimates from the car rental agency, letter from doctor, etc.

We hope you found this helpful. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. For specific advice about your unique circumstances, consider talking with a qualified professional.

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