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Since its launch, the *capital one venture x* has quickly built a reputation as one of the best travel rewards credit cards on the market — and for good reason.
With an annual fee of just $395, it is drastically cheaper than its primary competitors, the *chase sapphire reserve* and *amex platinum*. And while it might get buried underneath the allure of its big sign-up bonus  – currently 100,000 miles after spending $10,000 in the first six months – and flashy travel perks like lounge access, the Venture X Card’s travel insurance coverage is sneaky good.
From car rental insurance to lost luggage reimbursement and even trip delay coverage, no credit card provides better travel protections at a cheaper price point. 
Read on for everything you need to know about the travel insurance protections provided by the Capital One Venture X Card.
 
 
Related reading: Capital One Venture X Card Review – A Big Bonus, Lounge Access & More
 
The insurance you get when charging your car rental to your Venture X is some of the best coverage you’ll find among top-tier credit cards. This allows you to skip costly additional policies from the car rental agency – or even your own personal policy – saving you from added fees each and every time you rent a car.
Here’s how it works:
We’ve broken it down further to help you know exactly what you’re getting from Capital One Venture X’s auto insurance benefit.
The Venture X isn’t the only card out there that offers insurance when renting a car, but most travel credit cards only offer secondary rental car coverage, while the Venture X provides primary rental car coverage. 
What’s the difference?
If you get into an accident or your car is damaged with secondary coverage, you’d have to file a claim with your personal insurance policy before turning to your credit card company for help. That means you’ll have to pay your deductible – and your auto insurance premiums will likely go up, too.
With the Capital One Venture X card’s primary rental car coverage, you can skip your own policy and head straight to Capital One’s benefit administrator to file a claim. That puts the Venture X Card on par with both the *chase sapphire preferred* and the *chase sapphire reserve*, both of which offer primary rental car coverage as well.
 
It’s time to get technical. The primary coverage from the Venture X replaces the typical “collision damage waivers” – or loss damage waivers – that car rental companies are required to offer.
This policy provides reimbursement for damage due to collision or theft on a rental car. So if you get into an accident, it will cover the costs of any damage up to the cash value of the vehicle. When you buy the rental companies collision damage waiver, it costs an extra $10 to $30 a day. That can add up fast. 
The primary coverage that comes with the Venture X is valid in the U.S. and most international destinations as well. In fact, there are just four countries that don’t make the cut: Israel, Ireland, Northern Ireland, and Jamaica. 
Just note that this is not liability insurance. It will not cover medical bills, damage to another vehicle, or damage to property.
Read More: All About Capital One Venture X Rental Car Insurance Benefits
 
While your first urge might be to call Capital One to start your claim, you can skip this step and call Card Benefit Services at 1-800-825-4062 (or 1-804-965-8071 outside the U.S.) instead. For faster claims, you can begin the claims process online at eclaimsline.com.
If you have an accident or your vehicle gets stolen, you should report it as soon as possible or no later than 45 days from the date of the incident. 
At the time of the incident – or when you return the vehicle – ask your rental car company for a copy of the initial rental agreement, repair estimate, and accident report. You may also need a copy of the police report and a demand letter, which indicates any costs you are responsible for. 
 
Lost luggage reimbursement is something you typically don’t think about until you need it. Did an airline lose or damage your luggage – or did it get stolen?
Just note: Some items aren’t covered. If you’ve got cash or event tickets in your luggage, that won’t qualify. Same with some other common items like contact lenses, eyeglasses, and hearing aids.
 
Card Benefit Services also handles claims for lost luggage reimbursement so the process is the same as above. 
Be sure to file your claim within 90 days and have a copy of your credit statement from the period that you purchased your airfare, your ticket details (boarding pass), and a copy of any check, settlement, or denial provided by the airline. 
 
When your trip is delayed, it can often mean more than just lost time. While you’ll be on the hook to cover the extra costs upfront, you may be eligible for reimbursement of additional expenses like food and lodging if you used your Venture X to pay for your airfare.
Covered reasons for a trip delay include weather, strikes, aircraft maintenance issues, and even emergency situations.
Related reading: My Experience Using Trip Delay Insurance
 
Trip delay claims are also handled by Card Benefit Services with the same process above. 
Be sure to file your claim no later than 30 days after a covered delay and provide a copy of your travel itinerary, your credit card statement, a statement from the common carrier (airline) explaining the reason for the delay, and itemized receipts for any reimbursable expenses over $50. 
 
If something goes seriously wrong on your trip like an accident, illness, or death that forces you to cancel or cut it short, you’re covered for up to $2,000 per person in unreimbursed expenses – and you, a spouse, and any dependent children are eligible.
The following situations qualify:
Again, the kicker here is that the trip must have been paid for with the Capital One Venture X Card.
 
Filing a trip cancellation and delay claim isn’t quite as easy as the others we’ve outlined so far.
Again, this benefit doesn’t come directly from Capital One, so you can forget about calling the number on the back of your card. But instead of having an online submission (or even a phone number), you’ll have to report your claim by mail. Yes, I’m serious. 
Within 20 days (or as soon as reasonably possible) of the trip cancellation or interruption, you’ll need to file a written claim by mail to the following address: cbsi Card Benefit Services; 550 Mamaroneck Avenue, Suite 309; Harrison, NY 10528
Once you initiate your claim by mail, the plan administrator will send you claim forms for providing proof of loss within 15 days. Be prepared to provide documentation like police reports, medical authorization forms, and death certificates, as well as your travel itinerary and credit card statement.
Once your claim is started, you can view the status and upload these documents online at myclaimsagent.com.
 
As long as you pay your cell phone bill with your Capital One Venture X card, you can get reimbursed up to $800 for repair or replacement if your cell phone is stolen or damaged.
Here’s how it works:
Read More: My Experience With Cell Phone Insurance Protection From My Credit Card
 
If your phone gets lost, damaged, or stolen, you can file a claim by calling 1-844-288-2140 within 60 days of the date of incident. The benefits administrator will ask some preliminary questions and send you the appropriate claim forms which need to be completed and returned within 90 days of the incident. 
Be prepared to provide a copy of your cell phone bill and credit card statement along with the completed claim form. If your phone was stolen, you’ll also need to have filed a police report within 48 hours of the theft. Depending on the details of the claim, you may also need a repair estimate and other documentation deemed necessary by the claims administrator. 
For faster claim filing, or to learn more about the Venture X’s cellular telephone insurance, visit cardbenefitservices.com. 
 
The Capital One Venture X provides a handful of travel insurance benefits for added peace of mind. With an annual fee of just $395 per year, you’ll be hard-pressed to find another card with similar coverage at this price point.
 

Learn more about the *capital one venture x*
 
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Jackson Newman is our Senior Editor at Thrifty Traveler, where he writes and edits news articles, guides, and other stories. He joined Thrifty Traveler in April 2023 after more than a decade working in financial services. Jackson has long had a passion for exploring the world but…
Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.
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21 Responses
Does the car insurance coverage work for Turo?
Unfortunately, no.
I purchased the ticket from dallas to India in Kuwait airlines with venture capital credit card. When I reached India, one of checked in baggage handle is broken beyond repair. I sent the picture to Kuwait customer relations email (per their request) almost a week back, but have not heard back from them. Can I seek replacement cost from capital one after I go back to US in a week?
That should be covered, assuming the airline isn’t covering it. I would reach out to Capital One and explain the situation.
Does Venture X (or any) credit card offer trip cancelation when you are a single person traveling with a friend who becomes ill? Those of us without families seem out-of-luck for no discernible reason.
I had a massive delay leaving India. Our Air India flight was delayed 14 hours and we were stuck in the terminal because we had already passed immigration. I used the Venture X to pay for the tickets and filed a claim when I returned to the states. I knew the time for refund would be lengthy. I provided them with everything they asked, and still they continued to ask for documents they already had. In the end, they DID NOT reimburse me for my missed connection and hotel I needed to stay in at connecting city. I think for the extra annual fee it is better to find a card that actually provides peace of mind if things happen on a trip.
Hi There! My husband and I are going to Africa. I purchased travel insurance for the land portion of the trip. Now that the international flights are open to book, I checked on adding the cost to the existing policy and it more than doubled the policy price (even though the flights were half of the cost of land portion of the trip…grrr!). I’m looking at just getting a separate policy. If I do, will I still be eligible for the benefits from the card?
That shouldn’t impact anything as far as the Venture X is concerned. Before buying a policy for your flight, I would ask what exactly you want to insure. Most airlines will offer the ability to cancel for a voucher as long as you book main cabin or higher (no basic economy). With that said, you may not need it.
Hi, how does the Venture X insurance compare to Sapphire Reserve? I know the Sapphire is more expensive, but is the higher annual fee getting you better coverage?
Hey Tim, it is very similar since the coverage on both cards is offered through Visa Infinite. More information here.
https://thriftytraveler.com/comparisons/credit-card/capital-one-venture-x-vs-chase-sapphire-reserve/
i purchased air flights tickets for my family with Venture X and they had delay for over 24 h. Are they eligible for trip delay coverage? Thanks
Capital One Venture X is currently offering 10x points for car rentals with Turo but I’m seeing that Turo is often not covered by credit card car rental insurance since it’s not a traditional car rental agency. Do you know if Venture X car rental coverage extends to Turo?
What about medical insurance like if you would get hurt while on vacation?
Venture X does offer some travel accident coverage, but it isn’t much. Per the Visa Infinite terms, you’ll be covered up to $1,000 for the accidental loss of life, limb, sight, speech, hearing, or any combination. More information on Capital One’s website below:
https://ecm.capitalone.com/WCM/card/benefits-guide/20211109-venture-x/jb34520_build-it_dm_final_eng-proof_v1.pdf
What if we book a flight and hotel via this credit card and the flight gets canceled? In this case, there is not enough notice given to the hotel. Do we eat the cost or does Capital one reimburse us?
I would call Capital One and see what is available.
FYI my claim for nonrefundable hotel charges due to my fathers death was denied. They said only common carrier charges are covered, not hotel. Very disappointing.
What is the trip cancellation total coverage limit? I see $2000 per person , but is there a max? For example , if four members of cardholders family traveling together, is it $8000 or capped at a lower number?
I believe $2k per person is the max
What if you booked your ticket with miles and paid the taxes/fees with the Venture X card? Does the delay and trip cancellation coverage apply?
Hey Jeff,
Great question. It sure does.
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