Capital One Platinum travel insurance covers cardholders up to $250,000 for death or injuries sustained while travelling on a “common carrier.” These include airplanes, buses, trains and cruise ships, among others. To receive coverage, a cardholder must pay for their travel purchases with the Platinum card.
To file a Capital One Platinum travel insurance claim, call the Benefit Administrator at 1 (800) 348-8472 within 20 days of the incident. You can also file a claim online at www.eclaimsline.com. You’ll receive a claim form which you must submit along with any required documents within 90 days from the date of the incident. If the claim is substantiated, you should receive payment within 15 days of receipt of all documentation.
Capital One Platinum also comes with car rental insurance. This benefit reimburses you for damage or theft up to the vehicle’s actual cash value for rentals up to 15 consecutive days (31 on rentals abroad). Refer to the Capital One Platinum Guide to Benefits for limitations and other requirements.
Capital One credit card travel insurance covers car rentals and lost, damaged, or stolen luggage. It also covers you for death and injury when you travel as a passenger. You’re covered only if you make your travel purchases with a Capital One card.
Benefit availability and coverage limits vary among Capital One cards. Benefits may also differ depending on whether your Capital One card is on the Mastercard or Visa network. If you have a Capital One Visa Signature card, you’ll enjoy benefits such as travel concierge service, roadside assistance, and other travel perks in addition to what your Capital One card offers. Refer to your card’s Guide to Benefits for details.… read full answer
Here are the Capital One credit card travel insurance benefits:
Car rental insurance. Covered for damage and theft for up to 31 days when you purchase the entire rental on your Capital One card. Must also decline the rental agency’s insurance. Coverage includes towing to the nearest body repair shop. Covers most cars up to the full cash value. Vehicles not covered include, but not limited to trucks, motorcycles, RVs and luxury vehicles.
Travel accident insurance. Covers the cardholder and immediate family up to $250,000 if a travel accident causes death or dismemberment. Must pay for travel fare with a Capital One Visa Signature card to be covered. Policy covers accidents while traveling on a “common carrier.” Includes airplanes, trains, boats, buses, and other motorized vehicles or crafts.
Lost luggage reimbursement. Checked or carry-on luggage is covered up to $3,000 if lost, damaged, or stolen. Covered only for fares purchases with an eligible Capital One card. Items not covered include, but not limited to money and credit cards; eyeglasses and contact lenses; artwork; cell phones; and motor vehicles, equipment, and accessories.
Capital One credit card travel insurance can save you hundreds, if not thousands of dollars if an unforeseen event occurs while you’re traveling. Familiarize yourself with the terms of your benefits and confirm that you’re covered before you pay.
The Capital One Platinum credit score requirement is fair or higher, for people who already have an established credit history. Capital One will also consider applicants with little or no credit history for the Platinum card. People with bad credit are unlikely to qualify.
It’s important to note that Capital One Platinum’s credit score requirement isn’t the only factor involved in approval. The card’s requirements also include a steady income – at least $800 more than your monthly housing payment, for one thing. You’ll need to be at least 18 years old, too. Capital One will also consider things like your total debts, number of open credit accounts, recent credit inquiries and more. You can use Capital One’s … read full answerpre-qualification tool to see which Capital One cards give you a good chance of approval.
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