Common Carrier Travel Accident insurance pays an accidental death & dismemberment benefit if you, your spouse or your dependent children are injured while riding as a passenger on a common carrier (plane, train, bus or boat) when the full fare was charged to the card.
What does the insurance on your Capital One Aspire Cash Platinum Mastercard actually cover?
Capital One·CA$0/year·Mastercard·American Bankers Insurance Company of Florida & American Bankers Life Assurance Company of Florida (Assurant)
Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 30, 20268 min read
1,9/5Independent review · verified June 2026
1,0
3,6
3,0
Our Verdict · Travel Insurance
Our take on travel insurance for the Capital One Aspire Cash Platinum Mastercard
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Travel protection on the Aspire Cash Platinum Mastercard is minimal. You get common-carrier travel accident (AD&D) cover up to $250,000 and a small baggage-delay benefit ($100/day for up to 3 days), but there is no emergency medical, no trip cancellation or interruption, no flight delay and no lost-baggage coverage. This is a no-fee everyday cash-back card, not a travel card — buy standalone travel medical insurance before any trip abroad.
What works on travel
- Common-carrier travel accident (AD&D) up to $250,000, covering spouse and dependent children
- Baggage delay reimburses emergency essentials ($100/day, up to $300)
- Benefits are automatic when the fare is charged to the card
Where travel breaks down
- No emergency medical or hospital coverage abroad
- No trip cancellation or interruption coverage
- No flight/trip delay and no lost or stolen baggage indemnity
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 11 guarantees
What does Capital One Aspire Cash Platinum Mastercard Travel Insurance actually cover?
This is accident-only cover — it pays out only for death or serious dismemberment in a common-carrier accident. It is not travel medical insurance.
What's covered
- Cardholder, spouse and dependent children automatically insured
- Applies when the entire ticket cost is charged to the card or paid with Capital One reward miles
- Up to $250,000 for loss of life or two or more members; half for one member or one eye; quarter for thumb + index finger
What's not covered
- Emotional trauma, illness, pregnancy or bodily malfunctions
- Suicide or self-inflicted injuries
- War (terrorism aside) and acts while serving as pilot or crew
- Loss not occurring within one year of the accident
This covers baggage delay only — there is no separate lost or stolen baggage indemnity on this card.
Baggage Delay insurance reimburses the emergency purchase of essential items if a common carrier delays your checked baggage more than 4 hours from the time you arrive at your destination.
What's covered
- Checked baggage delayed more than 4 hours by a common carrier
- Fare charged to the card
- $100 per day per insured person, up to 3 days ($300 maximum)
What's not covered
- Lost or stolen baggage (only delay is covered)
- Contact lenses, eyeglasses, hearing aids and prosthetics
- Tickets, documents, money and securities
- Business samples
This card does not include trip cancellation insurance; pre-paid, non-refundable travel costs are not reimbursed if you have to cancel.
This card includes no emergency medical or hospital coverage abroad — medical bills incurred while travelling outside your province are not covered. Buy standalone travel medical insurance before any trip.
There is no medical repatriation or evacuation coverage on this card. The card's Travel Assistance line offers referrals and arrangements only, not paid medical transport.
This card does not include trip interruption insurance; extra costs to return home or resume a trip after an emergency are not covered.
This card does not include flight or trip delay insurance; only delayed checked baggage is covered, not delayed departures or connections.
This card does not include missed connection coverage.
This card does not include early return coverage.
There is no lost or stolen baggage indemnity on this card — only baggage delay (essential-item reimbursement) is covered.
This card does not include hotel burglary or in-room theft coverage.
Policy document 1
Policy document 2
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the Capital One Aspire Cash Platinum Mastercard wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
Aspire Cash Platinum MastercardThis card1.9/5?
$0/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$150 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Capital One Aspire Cash Platinum Mastercard stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Aspire Cash Platinum Mastercard shoppers also consider.
| Card | This card Aspire Cash Platinum Mastercard Capital One · $0/yr 1.9/5? | Rewards World Elite Mastercard BMO · $150/yr 4.3/5? | World Elite Mastercard ATB Financial · $120/yr 4.1/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | $2,500 / person ($5,000 / account) $0 deductible | $1,000 / person (max $5,000 / trip) | |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | $2,000,000 (under 65, first 21 days) First 21 days only | $2,000,000 / person · ≤22 days · under 65 | |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | Actual cost (pre-authorization required) Pre-authorization required | Included (within medical) | |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | $500 / account / trip (6h+ delay) Trigger: 6 hours | $500 / trip ($250/day, up to 2 days) | |
Trip interruption Covered amount | Not covered Cover this gap → | $2,000 / person Up to $2,000 / person | $1,000 / person (max $5,000 / trip) |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the Capital One Aspire Cash Platinum Mastercard
Based on creditcardGenius user ratings (3.0/5 from 2 reviews) 2 reviews
JL
Jordan Levy
Enjoying the benefits
I am truly enjoying the card and all the added benefits, from Capital One Shopping to the cash back. The app is extremely easy and I think Capital One is a great company.
RK
R Keller
Lost my cash back
This is the worst credit card company ever. They restricted my card permanently, and then they kept the almost $2,500 in cash back rewards that they owed me.
Emergency · Card assistance line
How to contact Capital One Aspire Cash Platinum Mastercard assistance?
Claims and 24/7 travel assistance for the Aspire Cash Platinum Mastercard are handled by Assurant (American Bankers).
From Canada & the U.S. (toll-free)
1-888-324-2363
Toll-free · 24/7
From elsewhere in the world (collect)
+1-416-205-4357
Collect call · 24/7
Benefit administrator: Assurant (American Bankers Insurance Company of Florida)
Claims & pre-authorizations
How to make a claim
1
Report the loss quickly
For travel accident, baggage delay, purchase assurance, extended warranty or price protection, call the administrator at 1-888-324-2363 (Canada/U.S.) or +1-416-205-4357 collect from elsewhere. Rental and purchase claims must be reported within 48 hours of the loss.
2
Gather your documents
Keep itemized sales receipts and the account statement showing the charge. For rental claims, add the rental agreement, the loss/damage report and a police report (for theft or damage over $1,000).
3
Complete the claim form
A representative records preliminary details and sends you a claim form. Return the completed, signed form with full proof of loss within the time allowed (within 90 days for purchase claims; within one year overall).
4
Get reimbursed
Once Assurant validates the claim, eligible items are repaired, replaced or reimbursed; travel accident benefits are paid to you or your designated beneficiary.
FAQ
What people ask about the Capital One Aspire Cash Platinum Mastercard
- No. This card has no emergency medical or hospital coverage abroad. If you travel outside your province or country, you should buy a standalone travel medical policy — a medical emergency on a trip would not be covered by the card.
- Two things only: Common Carrier Travel Accident insurance (accidental death & dismemberment up to $250,000 when the fare is charged to the card) and Baggage Delay (up to $300, at $100/day for 3 days, if a common carrier delays your checked bags more than 4 hours).
- No. The card does not reimburse pre-paid, non-refundable travel costs if you cancel, and it does not cover extra costs if a trip is interrupted. It also has no flight/trip delay coverage and no lost or stolen baggage indemnity (only baggage delay).
- Yes. The Collision/Loss Damage Waiver covers damage to or theft of an eligible rental vehicle (MSRP up to $65,000) for rentals of 31 days or less. You must charge the full rental to the card and decline the rental agency's own CDW/LDW.
- Yes for the vehicle itself — because you decline the agency's waiver, the card's coverage applies to the rental vehicle's damage or theft without going through your personal auto insurer first. It does not include any third-party liability (injury or damage to others), which you must arrange separately.
- Purchase Assurance (loss, theft or damage for 120 days from purchase), Extended Warranty (doubles the manufacturer's warranty up to 2 extra years) — together capped at a $60,000 lifetime maximum per account — and a Price Protection Service (up to $100/item, $500/year, within 60 days). There is no mobile device, return, or identity theft protection.
- Coverage is underwritten by American Bankers Insurance Company of Florida and American Bankers Life Assurance Company of Florida (Assurant), under group policies COB112002 / COBL072014, with Capital One Bank (Canada Branch) as policyholder. To claim, call the administrator at 1-888-324-2363 (Canada/U.S.) or +1-416-205-4357 collect from elsewhere. Report rental and purchase claims within 48 hours.
- No. The Aspire Cash Platinum is a no-fee card earning 1% cash back on all purchases, but its insurance is the standard Capital One Canada benefits package — the same certificate that applies across Capital One's Gold and Platinum Mastercards. You get the rental collision/loss damage waiver, purchase assurance, extended warranty, price protection, travel accident and baggage delay described here; you do not get emergency medical, trip cancellation or interruption coverage.
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