Capital One Quicksilver benefits: which insurance protections actually pay out?
Capital One·$0/year·Discover
Our Verdict · Travel Insurance
Our opinion on Quicksilver Travel Insurance
Expert review · Pauline Laurore
Author of HelloSafe's card insurance reviews
$1,500 trip cancellation per person. $1M travel accident. Two coverages that deliver on a no-fee card, and that's the full travel insurance picture. The capital one quicksilver benefits activate automatically when you charge the Common Carrier fare to the card. Trip cancellation covers two reasons: illness or injury of the cardholder or an immediate family member, and carrier insolvency. No weather delays, no job loss. The $1,500 cap applies to Common Carrier fares only: prepaid hotels and tours are not reimbursable. $3,000 lost luggage and $300 baggage delay round out the picture. No emergency medical abroad, no evacuation, no trip delay. Travel and Emergency Assistance provides referrals only. A hospital bill abroad starts at dollar one with nothing back from this card.
- $1,500 trip cancellation per insured person: covers illness, accidental bodily injury, or death of the cardholder or an immediate family member, plus carrier insolvency. Zero deductible.
- $3,000 lost luggage per covered trip: covers checked and carry-on bags lost, damaged, or misdirected by the Common Carrier. Secondary to any airline settlement.
- $300 baggage delay: $100 per day for up to 3 days when checked bags are delayed 4 hours or more at the destination. Covers essential items.
- $1,000,000 travel accident insurance: accidental loss of life, limb, sight, speech, or hearing while riding as a passenger on a licensed Common Carrier. Covers cardholder, spouse or domestic partner, and unmarried dependent children.
- No emergency medical coverage abroad: all hospital and physician costs are out of pocket. A single ER visit abroad averages $10,000 to $60,000.
- No emergency evacuation coverage: Travel and Emergency Assistance provides referrals only. Air ambulance costs start at $25,000 and are entirely the cardholder's responsibility.
- No trip delay coverage: meals, lodging, and transportation incidentals during any flight delay are not reimbursed.
- $1,500 trip cancellation cap: below the $5,000 to $10,000 range on premium travel cards. Two covered reasons only: illness or injury of the cardholder or immediate family, and carrier insolvency. Weather events, job loss, and jury duty are not covered.
Travel Insurance · 11 guarantees
What does my Quicksilver card's travel insurance cover?
Quality, not just caps
Guarantee
Status
Limit · Cap
Trip cancellation
2 covered reasons · Common Carrier fares only
$1,500
$1,500
Medical fees abroad
Medical repatriation
Trip interruption
Combined with cancellation · Per insured person
$1,500
$1,500
Transport delay
Missed connection
Lost luggage / theft
Baggage delay
$100/day, max 3 days · 4-hour delay trigger
$300
$300
Baggage loss
Per Covered Trip · Secondary coverage
$3,000
$3,000
Personal liability
Common carrier + airport ground · Cardholder + family
$1,000,000
$1,000,000
Hotel theft protection
Coverage Radar
Where the Quicksilver wins, where it loses
An 8-dimension snapshot compared to the Autograph Journey ($95/yr) and the average premium travel card.
Compare
Click a layer to highlight its scores on the radar.
Side-by-side comparison
How the Quicksilver stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Quicksilver shoppers also consider.
| Card | This card Quicksilver Capital One · $0/yr 1.8/5? | Venture X Business Capital One · $395/yr 2.8/5? | Aeroplan Chase · $95/yr 3.2/5? | Sapphire Reserve Chase · $795/yr 3.9/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | $1,500 per person 2 covered reasons | $3,000 per person 2 covered reasons only | $1,500 per person All prepaid travel | $10,000 per person 13 covered reasons |
Emergency medical Hospital bills abroad | $2,500 $2,500 cap / $50 deductible | $2,500 Reimbursement only | $2,500 | $50 deductible $50 deductible | |
Emergency evacuation Air ambulance + repatriation | N/A | $100,000 Pre-auth required | $100,000 | pre-auth required Pre-authorization required | |
Trip delay trigger Hours before benefits kick in | 6h / $500 Trigger: 6 hours | 12h / $500 Trigger: 12 hours | $500 after 6 hours Trigger: 6 hours | |
Rental CDW Primary or secondary | Primary abroad / Secondary US Secondary US / Primary abroad | Primary / $75,000 Primary CDW | Secondary / $75,000 Secondary CDW | Primary / $75,000 Primary coverage |
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say
WalletHub reviews
$1M travel accident on a free card
I was shocked the Quicksilver has $1M travel accident coverage. For a free card this is excellent. Used it on a long-haul flight and felt covered for the basics.
Capital One community
Smooth phone protection claim
Filed a cell phone protection claim for a cracked screen. Submitted online, received $750 (after $50 deductible) in about 2 to 3 weeks. Very smooth process.
NerdWallet community
No trip delay coverage
My flight was cancelled due to storms, zero coverage: no trip delay, nothing. This card is purely cashback, do not count on it for travel insurance.
Points with a Crew
Discover acceptance issues abroad
The Discover network is the main limitation. I could not use it in Japan. Take a Visa or Mastercard as your primary travel card.
Emergency · Card assistance line
Card Benefit Services
Card Benefit Services administers all travel and purchase protection claims for your Quicksilver card.
US Toll-Free
1-800-825-4062
Toll-free · 24/7, 365 days a year
International (Collect)
1-804-965-8071
Call collect · 24/7, 365 days a year
Benefit administrator: Card Benefit Services — eclaimsline.com
Claims & pre-authorizations
How to file a claim
Report within 20 days
Contact Card Benefit Services at 1-800-825-4062 or eclaimsline.com within 20 days of the incident. For rental car claims, the deadline is 45 days.
Receive your claim form
The administrator sends the appropriate claim form within 15 days of receiving your notice.
Submit documentation
Return the completed form with supporting documents within 90 days: card statement showing the charge, physician's signed statement for medical cancellations, and proof of non-refundable amounts from each supplier.
Claim resolution
Claims are typically finalized within 15 business days of receiving a complete documentation file.
FAQ
What people ask about the Quicksilver
- No enrollment is required. Coverage activates automatically when you use the Quicksilver card to pay. For trip cancellation and baggage benefits, charge at least a portion of the trip cost to the card. For the rental car CDW, charge the entire rental cost and decline the agency's CDW at the counter. Travel Accident Insurance activates when you charge the full Common Carrier fare to the card. For Purchase Security, Extended Warranty, and Price Protection, charge the item to the card. Benefits remain effective as long as your account is in good standing.
- The primary cardholder, their spouse or domestic partner, and unmarried dependent children are covered under most benefits. For trip cancellation and baggage benefits, Immediate Family Members are also covered when their travel was charged to your Quicksilver account. Travel Accident Insurance covers the cardholder, spouse or domestic partner, and unmarried dependent children up to $1,000,000 per covered Common Carrier trip. Price Protection and Purchase Security cover the cardholder and gifts purchased for others using the card.
- Charge the full cost of the rental to the Quicksilver card and decline the rental agency's collision damage waiver (CDW) or loss damage waiver (LDW) at the counter. If the vehicle is damaged or stolen, call Card Benefit Services at 1-800-825-4062 or visit eclaimsline.com within 45 days to report the incident. Inside the United States, coverage is secondary: your personal auto insurance handles the claim first. Outside your country of residence, coverage is primary: no personal insurer interaction required. Submit the completed CDW claim form within 90 days.
- For trip cancellation, baggage, or rental car claims, contact Card Benefit Services at 1-800-825-4062 (US) or 1-804-965-8071 (international collect), or online at eclaimsline.com. Report trip cancellation or baggage incidents within 20 days; rental car damage or theft within 45 days. For Purchase Security, Extended Warranty, or Price Protection claims, call 1-844-288-2140 or visit cardbenefitservices.com. File Purchase Security and Extended Warranty claims within 60 days of the incident. Price Protection: notify within 10 days of seeing a lower price. Submit all documentation within 90 days.
- The Quicksilver does not include emergency medical coverage abroad: all hospital and physician costs are the cardholder's responsibility. There is no emergency evacuation benefit and no trip delay insurance. Trip cancellation covers two specific reasons only: illness or injury of the cardholder or an immediate family member, and carrier insolvency. Weather events, job loss, and jury duty are not covered cancellation reasons. The rental car CDW is secondary inside the US. Cell phone protection is not included in the 2026 Discover Guide to Benefits.
- Yes, if you travel internationally. The Quicksilver does not include emergency medical coverage abroad. Travel and Emergency Assistance can connect you with local English-speaking clinics, but pays nothing and arranges no direct hospital billing. Standalone travel medical insurance typically covers $100,000 to $500,000 in emergency medical costs per person. Most US employer-sponsored health plans have limited or no international coverage; verify your plan terms before concluding you have no gap.
- Pre-existing conditions are excluded from the Quicksilver trip cancellation benefit. A pre-existing condition is any illness, disease, or injury that occurred or showed symptoms in the 60 days immediately before the initial deposit date or the booking date of the Common Carrier ticket. If a diagnosis or symptom occurred within that 60-day window, a cancellation related to that condition would not be reimbursed. There is no pre-existing condition waiver available with this benefit.
- Yes. The Quicksilver includes a collision damage waiver (CDW) benefit that covers theft and physical damage to a rental car when you charge the full rental cost to the card and decline the agency's own CDW or LDW at the counter. Inside the US, coverage is secondary: your personal auto insurance pays first. Outside your country of residence, coverage is primary. The benefit covers loss-of-use charges and reasonable towing as part of a covered claim. Report incidents within 45 days at 1-800-825-4062 or eclaimsline.com.
- Not under the 2026 Discover Guide to Benefits. Cell phone protection was available under a prior Mastercard network version of this card, but it does not appear in the current guide effective February 1, 2026. Screen repair and device replacement costs are the cardholder's responsibility under the current benefit guide. If your monthly phone bill was previously covered under an older version of this benefit, verify the current status directly with Capital One before relying on this coverage.
Not just Capital One
Other cards worth considering
Quicksilver is a strong choice — but depending on what you prioritize, one of these may suit you better.
Sapphire Reserve
Chase
Sapphire Reserve Business
Chase
Ritz-Carlton
Chase
Prestige
Citi
