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Credit cards with travel accident insurance

Travel accident insurance pays a set amount for accidental death or the loss of a limb, sight, speech or hearing during travel on a common carrier, such as a plane, train or ship, whose fare was charged to the card ⁠1⁠2. Of the 45 cards we cover, 12 list it, from Bank of America, Capital One, Chase, U.S. Bank and Wells Fargo ⁠3⁠4⁠5⁠6⁠7.

Compiled from official sources 12 cards from 5 issuers Last reviewed How we research
Contents5 sections

What the benefit pays

This is not reimbursement of costs but a fixed benefit amount, reduced for some losses. Chase's Sapphire Preferred guide pays 100% of the maximum for loss of life or of both hands, both feet or sight of both eyes, 50% for one hand, foot, eye, speech or hearing, and 25% for the thumb and index finger of the same hand, and the loss must occur within one year of the accident ⁠1. Capital One's Discover Network guide uses the same full, half and quarter scale and the same one-year rule ⁠2.

The maximums vary widely. Bank of America lists up to $1,000,000 on the Premium Rewards Elite, Capital One's Visa Infinite guide up to $1,000,000 on the Venture X, and Wells Fargo up to $1,000,000 per account on the Autograph Journey ⁠3⁠4⁠7. Chase's guides pay up to $1,000,000 for common carrier accidents on the Sapphire Reserve and $500,000 on the Sapphire Preferred, and both add a 24-hour travel accident benefit of $100,000 for accidents during the trip, limited on trips longer than 30 days ⁠8⁠1. U.S. Bank's Altitude Connect guide pays up to $1,000 ⁠6.

Capital One's guide for the Quicksilver, QuicksilverOne, Savor, SavorOne, Venture and VentureOne pays up to $1,000,000, but it covers Discover Network accounts only ⁠2. Capital One does not state which network a new account is issued on and tells cardholders to check the logo on the card or the statement ⁠9.

When and whom it covers

Common carrier coverage applies while riding in, boarding or leaving the carrier. Chase's and Capital One's Discover Network guides extend it to public carriers or courtesy transportation directly to or from the airport, terminal or station immediately before or after the flight, and to time spent at the airport ⁠1⁠2. Chase covers the trip when all or a portion of the fare is charged to the card or paid with its rewards, while Capital One, Bank of America, U.S. Bank and Wells Fargo require the entire fare ⁠1⁠2⁠3⁠6⁠7. Capital One's Discover Network guide insures you, your spouse and unmarried dependent children, and caps payments for several deaths in one accident at two times the benefit amount; Chase's guide applies the same two-times limit per account ⁠2⁠1.

Exclusions and claims

Illness is not covered. Chase's and Capital One's Discover Network guides both exclude losses from illness, disease or pregnancy, suicide or self-inflicted injury, war, commuting between home and a regular workplace, and acting as a pilot or crew member ⁠1⁠2. Chase also excludes illegal acts, motorized races and professional sports ⁠1.

Chase and Capital One both ask for notice within 20 days of the accident or loss, or as soon as reasonably possible ⁠1⁠2. Chase then asks for documents within 90 days, including a description of the loss, the travel itinerary, a police report, the death certificate where it applies and a statement showing the fare was paid with the card; it pays loss of life benefits to the traveler's estate ⁠1. Capital One pays loss of life benefits to the beneficiary the insured designated or, without one, to surviving family in a set order ⁠2.

Cards with travel accident insurance

12 of the 45 cards we cover list travel accident insurance, 4 of them with no annual fee. Select a heading to sort the table. Each card’s page has the full terms.

Credit cards with travel accident insurance, by annual fee
Terms
Capital One Quicksilver Cash Rewards Credit CardCapital One $0 Discover Network accounts: up to $1,000,000 when the entire fare is charged.⁠2⁠10
Capital One Savor Cash Rewards Credit CardCapital One $0 Discover Network accounts: up to $1,000,000 when the entire fare is charged.⁠2⁠11
Capital One VentureOne Rewards Credit CardCapital One $0 Discover Network accounts: up to $1,000,000 when the entire fare is charged.⁠2
U.S. Bank Altitude Connect Visa Signature CardU.S. Bank $0 Up to $1,000 for accidental loss on a common carrier when the entire fare is charged to the card.⁠6
Capital One QuicksilverOne Cash Rewards Credit CardCapital One $39 Discover Network accounts: up to $1,000,000 when the entire fare is charged.⁠2
Capital One SavorOne Cash Rewards Credit CardCapital One $39 Discover Network accounts: up to $1,000,000 when the entire fare is charged.⁠2⁠12
Capital One Venture Rewards Credit CardCapital One $95 Discover Network accounts: up to $1,000,000 when the entire fare is charged.⁠2⁠13
Chase Sapphire Preferred Credit CardChase $95 Up to $500,000 common carrier and $100,000 24-hour travel accident cover.⁠14⁠1
Wells Fargo Autograph Journey CardWells Fargo $95 Up to $1,000,000 per account on common carrier trips paid in full with the card.⁠7
Capital One Venture X Rewards Credit CardCapital One $395 Up to $1,000,000 common carrier coverage when the entire fare is charged.⁠4
Bank of America Premium Rewards Elite credit cardBank of America $550 Up to $1,000,000 accidental death or dismemberment on a common carrier; entire fare charged to the card.⁠3
Chase Sapphire Reserve Credit CardChase $795 Up to $1,000,000 common carrier and $100,000 24-hour travel accident cover.⁠5⁠8

Related: Rental car coverage · Trip cancellation and interruption · Trip delay · Baggage delay · Lost or damaged luggage · Emergency evacuation and medical. Need several benefits at once? Use the card finder.

Sources

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