Capital One Quicksilver travel insurance works on several levels by providing worldwide travel accident insurance, trip cancellation/interruption and lost/damaged luggage reimbursements.
Here are the Capital One Quicksilver travel insurance benefits:
Travel Accident Insurance. Covers cardholders along with their spouse and any unmarried children up to a certain amount in the event of death and several qualifying permanent injuries. Travel fare(s) must be booked with an eligible Capital One Quicksilver card.
Trip Cancellation and Interruption Insurance. Trips cancelled or interrupted for qualifying reasons (such as death, accidental injuries, non-pre-existing illnesses and more) are covered up to a certain amount. Benefit available for Capital One Quicksilver cards issued on the Mastercard network.
Lost, Stolen or Damaged Luggage Reimbursement. You get reimbursements for your lost, stolen or damaged luggage and its qualifying contents, up to a specified amount. You must charge the cost of your trip to your eligible Capital One Quicksilver to be covered by this benefit. Coverage is secondary to any other existing insurance.
Baggage Delay Reimbursement. You get reimbursed up to $100 per day, for three days, when your bags are delayed for more than four hours at a destination other than your primary residence. Coverage includes the purchase eligible essential items such as tickets, documents, contact lenses, eyeglasses, prosthetics, and more. Benefit available for Capital One Quicksilver cards issued on the Mastercard network.
Auto Rental Insurance. You get coverage up to the market value of the eligible renal vehicle for damages incurred through collision or theft. Just make sure you charge all rental costs to your Capital One Quicksilver and decline the car rental agency’s insurance coverage. The coverage is secondary to your own insurance policy.
Filing most Capital One Quicksilver travel insurance claims requires notifying the Benefit Administrator within 20 days of the loss in order to get a claim form. You’ll have 60 to 90 days from the date of the incident to return the form and supplemental documents. The number to call and timeline depend on the benefit and the type of card you have. For specific information on your Capital One Quicksilver travel insurance, just log in to your online account, select your card and click "Read about Card benefits" under the "I Want To" menu. Then match the card type to the one listed on your statement. Capital One travel insurance is provided through the card network, so depending on your type of card, you can call Visa at (800) 847-2911 or Mastercard at (800) 826-2181 for more information.
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 best Capital One Quicksilver benefits are travel accident insurance and extended warranty. The Capital One Quicksilver Cash Rewards Credit Card also has identity theft protection and $0 fraud liability, which are more common perks across Capital One credit cards.
Along with these benefits, the Capital One Quicksilver credit card has a $0 annual fee and gives rewards on all purchases. As long as you have good credit, the Capital One Quicksilver Cash Rewards Credit Card is certainly a card to consider adding to your wallet.
The Capital One Quicksilver purchase protection benefit covers eligible items against damage and theft for 90 days after the purchase date. In order to qualify, pay for your purchase entirely with your Capital One Quicksilver card.
Capital One Quicksilver purchase protection replaces, repairs or reimburses you up to the original purchase price, but not exceeding a pre-determined amount per claim.… read full answer
Here’s how the Capital One Quicksilver purchase protection benefit works:
What it is: Purchase protection or "purchase security" replaces, repairs or reimburses you for eligible items purchased entirely with your Capital One Quicksilver card against theft or damage within the first 90 days of the purchase date.
How much is covered: Coverage is up to the stolen/damaged item, or up to a pre-determined amount per purchase, whichever is less. Capital One Quicksilver is issued as a Mastercard, but networks change often and there are both VISA and Mastercard versions of the card. You can check the full amounts covered for both VISA and Mastercard.
What is covered: Eligible purchases include items damaged due to fire, explosion, vandalism, vehicles, accidental discharge of water, theft, or sudden accidental damage from electric current.
What is not covered: Excluded items include animals and living plants, boats, automobiles, aircraft, items purchased for resale, professional or commercial use, medical equipment, and perishable items. Theft from motorized vehicles I also not covered.
How to file a claim: If your Capital One Quicksilver is a Mastercard, call your Benefit Administrator at (888) 531-4227 within 60 days of the theft or damage. For VISAs, call (820) 553-4820 within the same time frame. If your purchase is stolen or damaged, make sure to also file a police report within 48 hours of the occurrence. You will be given a claim form which you will have to complete and return along with other requested documents, within 180 days of the incident for Mastercard and 90 days for VISA. Alternatively, you can also file a claim through Card Benefit Services. In the event of damaged items, you may be asked to send the damaged item along with the claim, at your expense.
To learn more about Capital One Quicksilver purchase protection, log in to your online account, select the "I want To" menu and click "Read about card Benefits." Simply match the benefits with your Capital One Quicksilver network – you can find it listed on your statement.
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