Capital One·$0/year·Discover·Federal Insurance Company (Chubb)
Our Verdict · Travel Insurance
$1,500 trip cancellation. $1M travel accident. Two coverages that deliver on a no-fee travel card, and that's the full travel insurance picture. The capital one ventureone benefits activate automatically when you charge the Common Carrier fare to the card. Trip cancellation covers five reasons: illness or injury of the cardholder or immediate family, death, and carrier insolvency. No weather delays, no job loss. The $1,500 cap applies to Common Carrier fares only. $3,000 lost luggage and $500 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
Quality, not just caps
Notify Card Benefit Services within 20 days at 1-800-825-4062 or eclaimsline.com Pre-existing condition exclusion: 60-day lookback
Trip Cancellation and Interruption reimburses up to $1,500 per insured person for non-refundable Common Carrier fares when illness, accidental bodily injury, death, or carrier insolvency prevents or interrupts travel. Zero deductible. No advance purchase window required.
Recommended : $5,000
No emergency medical coverage. Travel and Emergency Assistance provides referrals to local English-speaking clinics but pays nothing directly. All medical costs are the cardholder's responsibility.
No emergency evacuation coverage. Travel and Emergency Assistance provides referrals and logistics assistance only. All evacuation and repatriation costs are the cardholder's responsibility.
Same covered reasons as trip cancellation
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.
Recommended : $5,000
No trip delay benefit. Meals, lodging, and incidentals during any flight delay are entirely the cardholder's responsibility.
No missed connection coverage. If a delayed inbound flight causes you to miss a connection, rebooking costs are the cardholder's responsibility.
No early return benefit. Trip Interruption covers return transport when caused by a covered reason.
Checked baggage delayed 6+ consecutive hours at destination Charge portion or entire trip cost to the card Notify Common Carrier within 4 hours; notify Card Benefit Services within 20 days at 1-800-825-4062 Submit claim form within 90 days
Baggage Delay Reimbursement covers $100 per day for up to 5 days ($500 total) when checked baggage is delayed by the Common Carrier for more than 6 consecutive hours at the destination. Coverage is secondary and supplemental.
Charge portion or entire Covered Trip cost to the card Notify Common Carrier immediately at time of loss Notify Card Benefit Services within 20 days Submit claim form within 90 days
Lost Luggage Reimbursement covers up to $3,000 per covered trip (New York residents: $2,000 per bag) for checked and carry-on baggage lost, damaged, or misdirected by the Common Carrier. Coverage is secondary to any airline settlement. Notify the carrier immediately; notify Card Benefit Services within 20 days at 1-800-825-4062.
Entire cost of Common Carrier passenger fare charged to the card
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. Covers cardholder, spouse or domestic partner, and unmarried dependent children. Underwritten by Federal Insurance Company (Chubb).
No hotel theft protection. Personal belongings stolen from your hotel room are not covered by this card.
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 VentureOne shoppers also consider.
| Card | This card VentureOne Capital One · $0/yr 2.2/5? | 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 5 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 / ACV 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.
Capital One community
Smooth phone protection experience
The cell phone protection was a pleasant surprise. I cracked my screen and got reimbursed $750 after the $50 deductible. Process took about 2 weeks.
WalletHub reviews
Good travel accident for a no-fee card
For a no-fee card, the $1M travel accident insurance gives peace of mind when flying, even if the other travel perks are minimal.
NerdWallet community
Limited travel protection overall
Don't rely on the VentureOne for travel protection. When my flight was cancelled due to weather, I had zero coverage for delays or additional expenses.
Upgraded Points forums
CDW process unclear
Tried to use the CDW for a rental and got confused about whether it was truly active. Support was not very clear. Had to dig through the guide to benefits myself.
Card Benefit Services administers all travel and purchase protection claims for your VentureOne 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.
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