Capital One·$0/year·Discover·Federal Insurance Company (Chubb)
Our Verdict · Travel Insurance
$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.
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
Trip Cancellation and Interruption reimburses up to $1,500 per insured person for non-refundable Common Carrier ticket costs when illness, accidental bodily injury, death, or carrier insolvency prevents or interrupts travel. Zero deductible. No advance purchase timing requirement. Covers cardholder, spouse or domestic partner, and dependent children.
Recommended : $5,000
No emergency medical coverage.
No emergency evacuation coverage.
Trip Interruption is included within the same $1,500 Trip Cancellation and Interruption benefit. Covers unused non-refundable Common Carrier ticket portions and additional transportation costs to return home or rejoin the trip. Same two covered reasons apply: illness or injury of the cardholder or immediate family, and carrier insolvency.
Recommended : $5,000
No trip delay benefit.
No missed connection coverage.
No early return benefit.
Baggage Delay Reimbursement covers $100 per day for up to 3 days ($300 total) when checked baggage is delayed by the Common Carrier for more than 4 consecutive hours at the destination.
Lost Luggage Reimbursement covers up to $3,000 per Covered Trip for checked and carry-on baggage lost, damaged, or misdirected by the Common Carrier.
Travel Accident Insurance covers up to $1,000,000 for accidental loss of life, limb, sight, speech, or hearing when the entire cost of the Common Carrier fare is charged to the card.
No hotel theft protection.
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
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Side-by-side comparison
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 | |
Trip interruption Covered amount | $1,500 per person Combined with cancellation | $3,000 per person Same 2 reasons as cancel | $1,500 per person All prepaid travel | $10,000 per person Shared limit with cancellation |
Data verified against each card's Guide to Benefits, May 2026.
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.
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.
Quicksilver is a strong choice — but depending on what you prioritize, one of these may suit you better.
Sapphire Reserve
Chase
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Prestige
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