Trip cancellation reimburses non-refundable Common Carrier ticket costs up to $1,500 per Insured Person. Only two covered reasons: (1) death, accidental bodily injury, disease, or physical illness of the cardholder or an immediate family member that is verified by a physician and prevents travel, and (2) default of the Common Carrier resulting from financial insolvency. The full cost of the Common Carrier fare must be charged to the card.
Capital One Quicksilver Secured benefits: which insurance protections are actually included?
Capital One·$0/year·Mastercard·Federal Insurance Company (Chubb)
1,7/5Independent review · verified July 2026
1,2
2,8
2,3
Our Verdict · Travel Insurance
Our take on travel insurance for the Capital One Quicksilver Secured Card
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Trip cancel. Narrow. The Capital One Quicksilver Secured covers trip cancellation up to $1,500 per person on Common Carrier tickets, but only when you or an immediate family member is too sick to travel, or when the carrier goes bankrupt. Two reasons. That's it. Job loss, weather, jury duty, and every other standard covered reason are not in this guide. The $1,500 cap is also half what most travel cards offer. Baggage Delay pays $100 a day for up to 3 days when your checked bags are delayed 4+ hours. For credit-builders who travel internationally, a standalone travel policy is still required: there is no emergency medical and no evacuation coverage at all.
What works on travel
- Trip cancellation covers Common Carrier tickets up to $1,500 per person: illness and financial default of the carrier are covered reasons
- Baggage Delay reimburses $100 a day for up to 3 days when checked bags are delayed 4+ hours
- $3,000 Lost Luggage coverage per trip: checked and carry-on baggage both covered when lost or misdirected by the carrier
- $1,000,000 Travel Accident Insurance automatically included when the full Common Carrier fare is charged to the card
Where travel breaks down
- Trip cancellation limited to 2 covered reasons: illness/death and carrier insolvency only. Job loss, weather, and 10+ other standard reasons are excluded
- Common Carrier tickets only: hotels, tours, and non-airline prepaid travel are not reimbursable if you cancel
- $1,500 cancellation cap: below the $5,000 to $10,000 standard on most travel credit cards
- No emergency medical abroad: all hospital costs outside the US are the cardholder's responsibility
- No trip delay reimbursement: meals and lodging during a delay are out of pocket regardless of wait time
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 Quicksilver Secured Card Travel Insurance actually cover?
Only 2 covered reasons on this card. Standard travel cards cover 10 to 14 reasons including job loss, weather, and jury duty. A canceled trip for any other reason is entirely at your expense.
What's covered
- Death, accidental bodily injury, disease, or physical illness of cardholder or immediate family member (must prevent travel, verified by physician)
- Default of the Common Carrier resulting from financial insolvency
What's not covered
- Pre-existing conditions (60-day lookback prior to initial deposit or booking date)
- Accidental injuries from interscholastic or professional sports, racing, uncertified scuba diving
- Cosmetic surgery (unless medically necessary)
- Influence of drugs or alcohol
- Traveling against physician's advice or while on a medical waiting list
- Pregnancy (third trimester, seventh month or after)
- Suicide, attempted suicide, or intentionally self-inflicted injuries
- Declared or undeclared war (terrorism excluded from this exclusion)
- Hotels, tours, and any non-Common Carrier prepaid travel expenses
No emergency medical insurance on this card. A serious ER visit abroad runs $20,000 to $80,000, entirely at the cardholder's expense.
No emergency medical coverage abroad. Travel and Emergency Assistance provides referrals only: all medical costs are the cardholder's responsibility. A single ER visit in Japan or Europe typically runs $10,000 to $80,000.
What's not covered
- All medical expenses abroad: no coverage exists on this card
No evacuation coverage on this card. An air ambulance from a remote destination runs $100,000 to $300,000, entirely at the cardholder's expense.
No emergency evacuation coverage. Travel and Emergency Assistance can arrange emergency transportation, but all costs are the cardholder's responsibility. A transoceanic air ambulance runs $200,000 to $300,000.
What's not covered
- All evacuation and repatriation costs: no coverage exists on this card
Only 2 covered interruption reasons. Hotels and tour costs not covered.
Trip interruption reimburses non-refundable Common Carrier ticket costs up to $1,500 per Insured Person when the trip is interrupted en route or after departure. Same two covered reasons as trip cancellation: illness/death preventing travel, or carrier financial default.
What's covered
- Death, accidental bodily injury, disease, or physical illness preventing continuation of travel (physician verified)
- Default of the Common Carrier resulting from financial insolvency
What's not covered
- Pre-existing conditions (60-day lookback)
- Hotels, tours, and non-Common Carrier prepaid expenses
- Same exclusions as trip cancellation
No trip delay reimbursement. Meals, lodging, and transportation during a delay are the cardholder's responsibility.
What's not covered
- All delay-related expenses: no coverage exists on this card
No missed connection coverage. Rebooking costs if you miss a connection are not covered. Last-minute rebooking on a missed international connection can cost $300 to $800.
What's not covered
- All missed connection claims: no coverage exists on this card
No early return benefit. Additional transportation costs from cutting a trip short are not reimbursed. A last-minute one-way flight home can cost $800 to $2,000.
What's not covered
- All early return transportation costs: no coverage exists on this card
Baggage Delay Reimbursement pays $100 per day for up to 3 days (maximum $300) when checked baggage is delayed or misdirected by a Common Carrier for more than 4 hours from scheduled arrival. Covers the cardholder and immediate family members on the same covered trip. Common Carrier ticket must be charged to the card. Notify carrier and benefit admin within 20 days.
What's covered
- Essential items during the baggage delay (clothing, toiletries, personal necessities)
What's not covered
- Business items (computers, manuals, samples, data)
- Cellular telephones
- Cameras and electronic equipment
- Contact lenses, eyeglasses, sunglasses, hearing aids
- Items not contained in the delayed checked baggage
- Money, securities, credit or debit cards, checks
Lost Luggage Reimbursement pays up to $3,000 per Covered Trip for the difference between the value of lost, damaged, or misdirected checked or carry-on baggage and the carrier's settlement. New York residents: coverage limited to $2,000 per bag. Secondary benefit: pays after other insurance is exhausted. Common Carrier ticket must be charged to the card.
What's covered
- Checked Baggage lost, damaged, or misdirected by the Common Carrier
- Carry-on Baggage lost, damaged, or misdirected by the Common Carrier
What's not covered
- Automobiles, motorcycles, bicycles, boats, motors
- Contact lenses, eyeglasses, sunglasses, hearing aids, prosthetics
- Money, securities, checks, traveler's checks
- Tickets, keys, coins, perishables, cosmetics, rugs, animals, cameras, sporting equipment, household furniture
- Business items (computers, electronics, software, manuals, data)
- Items already insured under another insurance policy
Travel Accident Insurance provides up to $1,000,000 for accidental loss of life, limb, sight, speech, or hearing while riding as a passenger on a Common Carrier. The full cost of the Common Carrier passenger fare must be charged to the account. Underwritten by Federal Insurance Company (Chubb). Cardholder, spouse, and unmarried dependent children are all covered.
What's covered
- Accidental loss of life: $1,000,000
- Accidental loss of two or more members (hands, feet), sight of both eyes, speech and hearing: $1,000,000
- Accidental loss of one member, sight of one eye, speech or hearing: $500,000
- Accidental loss of thumb and index finger of same hand: $250,000
What's not covered
- Emotional trauma, mental/physical illness, disease, pregnancy, childbirth, bacterial/viral infection, bodily malfunctions
- Suicide, attempted suicide, intentionally self-inflicted injuries
- Declared or undeclared war (terrorism excluded)
- Accident while in/entering/exiting any Capital One-owned/operated aircraft, or while acting as pilot or crew member
No hotel theft protection. Personal belongings stolen from your hotel room are not covered. Electronics and valuables in a hotel room can total $1,000 to $3,000 with no recourse if stolen.
What's not covered
- All hotel theft claims: no coverage exists on this card
Policy document
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 Quicksilver Secured Card wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Medical: not covered by this card
Evacuation: not covered by this card
Trip Delay: not covered by this card
Compare
Quicksilver Secured CardThis card1.7/5?
$0/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$168 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Capital One Quicksilver Secured Card stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Quicksilver Secured Card shoppers also consider.
| Card | This card Quicksilver Secured Card Capital One · $0/yr 1.7/5? | 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 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 |
Trip interruption Covered amount | $1,500 per person Common Carrier only | $3,000 per person Same 2 reasons as cancel | $1,500 per person All prepaid travel | $10,000 per person Shared limit with cancellation |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the Capital One Quicksilver Secured Card
Real experiences on rental car coverage, trip cancellation, and purchase protection 512 reviews
RC
r/CreditCards
CDW worked at the Miami rental counter
Charged the full rental to the Quicksilver Secured and declined their CDW. Had a fender scrape on the last day. Filed at eclaimsline.com, submitted the damage report and billing statement. Took about 6 weeks. Secondary meant my personal auto insurer was notified first, but the card covered the deductible. Process was slow but it paid.
RC
r/CreditCards
Trip cancel denied: job loss not covered
Lost my job and tried to cancel a Delta flight. The trip cancellation on this card only covers illness, death, or carrier bankruptcy. Job loss is not a covered reason. Got nothing back. The $1,500 limit and 2-reason rule make this benefit almost useless for real-world cancellations.
RP
r/personalfinance
Pre-existing condition exclusion cost me the claim
Filed a trip cancellation claim for a health issue. Denied because the condition was flagged as pre-existing: symptoms had appeared within the 60-day lookback window. Read the fine print before you count on this benefit. The guide is very specific about what qualifies and most health cancellations will hit this wall.
Emergency · Card assistance line
How to contact Capital One Quicksilver Secured Card assistance?
US Benefit Administrator
1-800-825-4062
24/7
International Assistance
collect: +1-804-965-8071
Collect calls accepted · 24/7
Benefit administrator: eclaimsline.com for CDW, Baggage Delay, Lost Luggage, and Trip Cancellation | cardbenefitservices.com and 1-844-288-2140 for Extended Warranty, Purchase Security, Price Protection, and Identity Theft
Claims & pre-authorizations
How to file a Capital One Quicksilver Secured card claim
1
Step 1: Report within 20 to 45 days of the incident
For CDW, Baggage Delay, Lost Luggage, or Trip Cancellation: call the benefit administrator immediately at 1-800-825-4062 (or collect +1-804-965-8071 from abroad) or visit eclaimsline.com. For CDW: report within 45 days and file the complete claim form within 90 days. For Trip Cancellation: notify within 20 days. For Baggage Delay and Lost Luggage: notify within 20 days. For Extended Warranty, Purchase Security, or Price Protection: call 1-844-288-2140 or visit cardbenefitservices.com within 60 days.
2
Step 2: Gather required documents
For CDW: accident report form, front and back of both rental agreements, repair estimate and itemized bill, two photos of the damaged vehicle, demand letter from rental company, monthly billing statement confirming rental charge, statement from your insurance carrier (or notarized letter of no insurance), declarations page of your primary auto policy. For Trip Cancellation: billing statement, confirmation of non-refundable amounts, physician statement, itinerary. For Baggage Delay: airline documentation of delay, receipts for essential purchases. For Extended Warranty or Purchase Security: billing statement, itemized receipt, original warranty, repair estimate.
3
Step 3: Submit Proof of Loss within 90 days
For CDW: all documents must be postmarked within 90 days of the theft or damage date. For Baggage Delay: claim form and receipts within 90 days. For Lost Luggage: claim form within 90 days. For Extended Warranty: signed claim form and all documents within 90 days of product failure. For Purchase Security: signed claim form within 90 days of theft or damage date. Payment is typically issued within 5 business days (EW and PP) or 15 days after complete CDW documentation is received.
FAQ
What people ask about the Capital One Quicksilver Secured Card
- Most benefits on the Capital One Quicksilver Secured Card activate automatically when you use the card to pay. For trip cancellation, the Common Carrier fare must be charged to the card. For rental car CDW, charge the full rental to the card and decline the rental company's collision damage waiver at the counter. For purchase security, extended warranty, and price protection, simply pay for the item with the card. No pre-registration is needed for travel benefits. For Comprehensive Identity Solutions (Cyberscout), enrollment is required at myidentity.cyberscout.com/capitalone.
- For trip cancellation and interruption, the cardholder, spouse or domestic partner, and dependent children are covered when the full Common Carrier fare is charged to the card. For baggage delay and lost luggage, coverage extends to the cardholder and immediate family members traveling on the same covered trip. For travel accident insurance, the cardholder, spouse, and unmarried dependent children are covered. For CDW, only the primary renter listed on the rental agreement and authorized additional drivers are covered. For purchase security and extended warranty, the primary cardholder who made the purchase is covered.
- The Capital One Quicksilver Secured Card includes CDW (collision damage waiver) coverage up to the actual cash value of most rental cars for rentals up to 31 consecutive days. To use it: charge the entire rental to your card and decline the rental company's CDW at the counter. In the United States, this is secondary coverage: your personal auto insurance pays first, and the card picks up your deductible and any unreimbursed loss-of-use charges. Renting outside your country of residence gives you primary coverage. Report any incident within 45 days to eclaimsline.com or call 1-800-825-4062.
- For CDW, Baggage Delay, Lost Luggage, and Trip Cancellation: contact the benefit administrator at 1-800-825-4062 or eclaimsline.com within 20 to 45 days of the incident. For Extended Warranty, Purchase Security, and Price Protection: call 1-844-288-2140 or visit cardbenefitservices.com within 60 days. For Identity Theft: call 1-844-288-2140 immediately. For all claims, keep your billing statement showing the charge, itemized receipts, and any documentation of the incident. Final proof of loss must be submitted within 90 days for most benefits.
- The Capital One Quicksilver Secured Card does not include trip delay reimbursement, emergency medical coverage abroad, or emergency evacuation. Trip cancellation covers only two reasons: illness or death preventing travel, and carrier financial default. Job loss, weather, and most other standard cancellation reasons are not covered. CDW is secondary in the US and excludes expensive or exotic vehicles. Cell phone protection is explicitly excluded from Purchase Security. There is no return protection or event ticket protection.
- Yes. The Capital One Quicksilver Secured Card has no emergency medical coverage abroad. Travel and Emergency Assistance provides referrals only: all actual costs are the cardholder's responsibility. A single ER visit in Japan or Western Europe averages $10,000 to $60,000. An air ambulance can exceed $200,000. The $1,000,000 Travel Accident Insurance covers accidental death or dismemberment on Common Carriers only, not medical bills during travel. For any international trip, a standalone travel insurance policy with emergency medical is required.
- No. The Guide to Benefits for this card explicitly excludes cellular telephones from Purchase Security. Screen repair and device replacement are entirely out of pocket. A current flagship smartphone costs $800 to $1,300 to replace. Cell phone protection is a separate benefit offered on some premium cards that requires monthly phone bills to be charged to the card: the Quicksilver Secured does not include this benefit.
- No. Pre-existing conditions are explicitly excluded from the Trip Cancellation and Interruption benefit. A pre-existing condition is defined as any injury, disease, or illness that occurs or manifests during the 60-day period immediately prior to the initial trip deposit or booking date, or for which medical care or treatment has been given, or where symptoms would cause a reasonably prudent person to seek diagnosis. The taking of prescription drugs for a controlled condition throughout the 60-day period is not considered a manifestation of illness.
- It depends on where you rent. In the United States, the CDW benefit is secondary when you have personal auto insurance: your personal insurer pays first, and the card covers your deductible and any unreimbursed loss-of-use charges from the rental company. If you have no personal auto insurance anywhere, the card acts as primary coverage. When renting outside your country of residence, the coverage is primary regardless of whether you have personal auto insurance. To activate the benefit, decline the rental agency's CDW and charge the full rental to the card.
Not just Capital One
Other cards worth considering
Quicksilver Secured Card 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
Fill the gaps in your card
Find complementary travel insurance
We analyze the gaps in your card and recommend the best complementary travel insurance based on your destination and profile.
Step 1 of 3
