Capital One·$39/year·Discover·Federal Insurance Company (Chubb)
Our Verdict · Travel Insurance
$1,500 trip cancellation per person. No medical, no evacuation. Two facts that define this card for travelers. The cancellation covers Common Carrier tickets only and for two reasons: death or serious illness of the cardholder or an Immediate Family Member, verified by a physician, or the carrier's financial insolvency. Your prepaid hotel and tour deposits? Not covered. Baggage Delay pays $100 per day after a 4-hour delay, up to 3 days, one of the shorter triggers at this price point. Lost Luggage reimburses up to $3,000 per person if the airline permanently loses your bag. The gap: no emergency medical and no evacuation. A single ER visit in Japan or Europe runs $10,000 to $80,000. Standalone travel insurance covering $100,000 in emergency medical starts around $150 per year. If you travel internationally, factor that cost in.
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
Quality, not just caps
Entire Common Carrier ticket cost charged to your covered Capital One Account Notify Benefit Administrator within 20 days: 1-800-825-4062 (US) / collect: 1-804-965-8071 Return completed claim form within 90 days
Trip Cancellation and Interruption covers the non-refundable Common Carrier ticket(s) you paid for with your Capital One QuicksilverOne card, up to $1,500 per Insured Person per trip. Coverage applies when a covered reason prevents travel before departure (cancellation) or cuts the trip short after departure (interruption). Hotels, tours, and other prepaid travel expenses are not covered. Coverage is secondary.
Recommended : $10,000
No emergency medical coverage abroad. Travel and Emergency Assistance Services provides referrals to local doctors and hospitals only. All medical costs abroad are the cardholder's responsibility. A single ER visit in Japan or Europe typically runs $10,000 to $80,000.
No emergency evacuation or repatriation benefit. Travel and Emergency Assistance Services provides referrals and coordination only. Emergency transportation costs are entirely the cardholder's responsibility. Air evacuation from remote destinations can exceed $200,000.
Entire Common Carrier fare charged to your Capital One Account Notify Benefit Administrator within 20 days Submit claim documents within 90 days
Trip Interruption covers non-refundable Common Carrier ticket costs when a trip is cut short due to a covered reason, up to $1,500 per Insured Person. The same covered reasons as Trip Cancellation apply. Hotels, tours, and other prepaid expenses are not reimbursable.
Recommended : $10,000
No trip delay reimbursement for flight delays. This benefit is not included with the QuicksilverOne. Meals, lodging, and transportation incurred during a flight delay are the cardholder's full responsibility.
No missed connection coverage. This benefit is not included with the QuicksilverOne. Rebooking costs and expenses from a missed connection are not covered.
No early return benefit beyond what trip interruption covers for Common Carrier tickets. Additional transportation costs from cutting a trip short are not reimbursed.
Checked Baggage delayed or misdirected by Common Carrier for more than 4 hours Notify the Common Carrier immediately after the 4-hour delay Notify Benefit Administrator within 20 days: 1-800-825-4062 (US) / collect: 1-804-965-8071 Submit claim form within 90 days
Baggage Delay Reimbursement covers essential purchases when your Checked Baggage is delayed or misdirected by a Common Carrier for more than 4 hours. Maximum $100 per day for up to 3 days ($300 total), applying to you and each Immediate Family Member whose ticket was also purchased with your covered Account. You must purchase at least a portion of the Covered Trip with your Capital One Account.
Notify the Common Carrier immediately upon discovering loss or damage Notify Benefit Administrator within 20 days: 1-800-825-4062 / collect: 1-804-965-8071 Return completed claim form within 90 days Purchased at least a portion of the Covered Trip with your Capital One Account
Lost Luggage Reimbursement covers damage or permanent loss of Checked Luggage or Carry-on Baggage caused by theft or misdirection by a Common Carrier, up to $3,000 per Covered Person ($2,000 per bag for New York residents). Benefit is the difference between the value of the amount claimed and the Common Carrier's payment. Coverage is secondary to any other applicable insurance. Must file with the Common Carrier first.
Entire passenger fare(s) charged to Capital One Account Notify Benefit Administrator within 20 days: 1-800-825-4062 / collect: 1-804-965-8071 Return completed claim form within 90 days
Travel Accident Insurance covers accidental loss of life, limb, sight, speech, or hearing up to $1,000,000 per Insured Person while riding as a passenger on a licensed Common Carrier (entering or exiting), provided the entire passenger fare has been charged to the Capital One Account. Also covers Common Carrier travel immediately before departure, while at airport/terminal, and immediately after arrival. Underwritten by Federal Insurance Company, a Chubb company.
No hotel theft protection. Personal belongings stolen from your hotel room are not covered by this card. Electronics and valuables left in a hotel room can total $1,000 to $3,000 with no recourse if stolen.
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 QuicksilverOne shoppers also consider.
| Card | This card QuicksilverOne Capital One · $39/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 Common Carrier costs only | $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 | Not covered Cover this gap → | $2,500 $2,500 cap / $50 deductible | $2,500 Reimbursement only | $2,500 | $50 deductible $50 deductible |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | N/A | $100,000 Pre-auth required | $100,000 | pre-auth required Pre-authorization required |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | 6h / $500 Trigger: 6 hours | 12h / $500 Trigger: 12 hours | $500 after 6 hours Trigger: 6 hours |
Rental CDW Primary or secondary | Secondary (US) / Primary (intl) Secondary in 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.
Real experiences on travel protection and purchase coverage 63 reviews
r/creditcards
CDW saved me on a rental in Europe
Rented a car in Italy and got a small scratch in a parking lot. Filed the CDW claim after getting back. Since I was outside the US, coverage was primary. No call to my personal insurance. Submitted the rental agreement, damage report, and repair estimate. Check came in about 3 weeks. The Capital One process through eclaimsline was straightforward.
r/creditcards
Trip cancellation denied: hotel not covered
Had to cancel a trip due to illness. Got the doctor's letter. The flight was refunded through trip cancellation but the hotel was entirely my loss. The benefit only covers Common Carrier tickets. I had $800 in hotel deposits that trip cancellation did not touch. Wish I had known before booking non-refundable.
r/personalfinance
No medical abroad is a serious gap
Went to Japan and ended up at an urgent care clinic. Paid $400 out of pocket. Came home and confirmed: the QuicksilverOne has no emergency medical benefit. Travel and Emergency Assistance gives referrals but pays nothing. Good card for cashback but not enough for international travel on its own.
US Claims (Travel + CDW + Baggage)
1-800-825-4062
24/7
International Assistance
collect: +1-804-965-8071
Collect calls accepted · 24/7
Benefit administrator: Travel, CDW, Baggage, Lost Luggage, Trip Cancel, Travel Accident: 1-800-825-4062 / www.eclaimsline.com | Extended Warranty, Purchase Security, Price Protection, Identity Theft: 1-844-288-2140 / www.cardbenefitservices.com | Comprehensive Identity Solutions (Cyberscout): 866-653-9950 / myidentity.cyberscout.com/capitalone
Claims & pre-authorizations
How to file a Capital One QuicksilverOne claim
Step 1: Notify the correct administrator immediately
For trip cancellation, interruption, CDW, baggage delay, lost luggage, or travel accident: call 1-800-825-4062 (US) or collect +1-804-965-8071 (international) within 20 to 45 days depending on the benefit. For extended warranty, purchase security, price protection, or personal identity theft: call 1-844-288-2140 within 60 days of the incident. For identity monitoring (Comprehensive Identity Solutions): call 866-653-9950 or visit myidentity.cyberscout.com/capitalone.
Step 2: Gather your documentation
For trip cancellation: Common Carrier ticket receipt, billing statement showing charge, physician statement or carrier cancellation notice, confirmation of non-refundable amounts. For CDW: initial and final rental agreement, accident report form, repair estimate and itemized bill, 2 photographs of damage, police report if applicable. For baggage delay: Common Carrier ticketing proof, billing statement, receipts for essential items. For purchase security: billing statement, itemized sales receipt, police report within 48 hours for theft, repair estimate if damaged. File the day the incident happens.
Step 3: Submit completed forms within the deadline
Trip cancellation and travel accident: return within 90 days. CDW: all documents within 365 days. Baggage delay and lost luggage: claim form within 90 days. Purchase security and extended warranty: claim form within 90 days of loss or product failure. All claims finalized within 5 to 15 business days of receiving complete documentation. Visit www.eclaimsline.com or www.cardbenefitservices.com for faster filing.
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