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The Capital One Venture X Rewards Credit Card is one of the hottest options in the premium card market. Even though Capital One is a relatively new entrant into the ultra-premium niche, it did an incredible job with this card. The card boasts thousands of dollars of value every year for the discerning traveler, streamlined bonus rewards, and access to an attractive rewards landscape in Capital One Miles.
This card doesn’t just stop at lounge access and travel credits — its benefits extend all the way to high-quality travel insurance perks. Unfortunately, learning about the travel insurance offered by the Capital One Venture X card is easier said than done. This is made even more complicated by the fact that insurance policies are some of the most difficult topics to comprehend.
So, in this guide, our goal is to demystify the travel insurance benefits and coverage offered by the Capital One Venture X card. This guide will cover everything from primary rental car insurance to travel accident insurance.
Let’s get right into it!
For you to better understand the card’s coverage, it’s important to have a little background on the card. We’ve detailed the benefits, welcome bonus, and annual fee for the Capital One Venture X card below:
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.
Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.
Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.
 
Capital One Miles
 
One of the pillars of travel insurance is coverage for your rental car. Indeed, this is one of the most important areas to pay close attention to. Why? Coverage varies wildly — and you might not actually be getting the coverage you’re expecting. If something unexpected happens while you’re renting, you could be liable for thousands of dollars’ worth of damages.
The Capital One Venture X card confers excellent auto rental collision damage waiver coverage. Save money by saying no at the counter — when you rent with your covered Visa Infinite card, you get built-in auto rental coverage.
To utilize this coverage, you must decline the rental car company’s collision damage waiver, or CDW, also sometimes referred to as the loss damage waiver, or LDW, and pay for the entire rental car using your Capital One Venture X card.
To file a claim, you need to immediately call the benefits administrator at 800-825-4062 (outside the U.S., call collect at 804-965-8071).
You need to provide:
Be sure to complete and sign the claim form provided by the benefits administrator and postmark it within 90 days of the damage date, even if all of the other required documentation isn’t yet available.
You should also submit a copy of your billing statement showing that the entire car rental was booked with the Capital One Venture X card.
One of the core pillars of travel insurance is trip cancellation and interruption insurance.
If your upcoming travel plans are disrupted or canceled, there could be potentially huge financial implications. For example, if your airline becomes insolvent and you have to cancel your vacation because of that, leverage your trip cancellation and interruption insurance, which typically covers unexpected events.
You can even use this coverage in the middle of your trip — it specifically relates to travel on “common carriers.” Common carriers are generally any model of transportation by land, water, or air operating for hire under a license to carry passengers for which a ticket must be purchased prior to travel.
The most applicable common carrier travel would likely be airfare, and the Capital One Venture X card covers each insured person so long as you charge the entire cost to that credit card. Your spouse and dependent children are generally eligible for coverage, as long as their trips are also paid for on the credit card.
You’re generally covered if the interruption or cancellation is from the death of a family member (as well as accidental bodily injury, disease, or physical illness) or financial insolvency of the common carrier.
Exclusions to this insurance include any preexisting conditions, injuries arising from participation in professional sports events, cosmetic surgery, suicide, declared or undeclared war, and more.
Trip delays are one of those unexpected annoyances that happen to travelers sooner or later.
Luckily, the Capital One Venture X card covers trip delay reimbursement of up to $500 for every purchased ticket on your card so long as your trip is delayed for more than 6 hours or requires an overnight stay.
You can have up to 1 claim per trip, and you need to purchase at least a portion of the common carrier fare using your credit card.
Have you ever wondered what happened to your luggage only to find out that, just like in a nightmare in a scary movie, the airline has lost it?
Worry no more — your bags are covered against common carrier-caused loss or theft with lost luggage reimbursement when you use your Capital One Venture X card to purchase common carrier tickets.
The exact process for filing a claim depends on which coverage you’re trying to use, but the general process is usually the same:
The exact documentation you need to collect varies. For example, if you want to file for a car rental-related reimbursement, you’ll likely need to furnish items like your rental car agreement. On the other hand, if you’re applying for trip cancellation or interruption coverage, you need to provide the confirmation of the nonrefundable tickets on the common carrier.
In general, all claim forms must be submitted within 90 days of the covered event, even if all of the supporting documentation isn’t yet available.
Hot Tip: Keep as much documentation as possible, including receipts, police reports, email communications from third parties, and more. 
The Capital One Venture X card offers some of the best travel insurance a credit card can offer. This is in addition to the other benefits you get, such as unlimited Capital One Lounge access, up to $300 Capital One Travel credit every cardmember anniversary year, cell phone insurance, and so much more.
In particular, the primary rental car insurance rivals the best that ultra-premium credit cards offer.
Although this card doesn’t have baggage delay coverage, emergency medical and dental coverage, or emergency medical transport and evacuation insurance, it has most of the features travelers are looking for.
For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Yes! The Capital One Venture X card offers a suite of travel insurance perks, like auto rental collision damage waiver coverage, trip cancellation and interruption coverage, and lost baggage reimbursement.
In most cases, trip insurance is worth it. However, the Capital One Venture X card may provide most of what you’re looking for for free!
If your trip is cancelled or interrupted for covered reasons (including death, accidental bodily injury, or physical illness of yourself or an immediate family member) because of the default of the common carrier resulting from financial insolvency, you can submit a claim for trip cancellation and interruption reimbursement.
Provide a claim notice to a plan administrator, follow any instructions to provide evidence, fill out the required forms, and submit all of the documentation.
In general, travel insurance excludes epidemics and pandemics, as well as voluntary changes or events. Additionally, there is a list of exclusions for each travel insurance benefit in your benefits guide.
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Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.
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