Capital One Venture X Rewards Card

USA Flag Capital One Venture X Rewards Card

Annual Fee: $395

Issuer: Capital One

Policy Version: October 2022

Last Updated: 2026-02-08

Policy Information

Claims Contact

  • website: www.eclaimsline.com
  • phone domestic: 1-800-825-4062
  • phone international: 1-804-965-8071

Global Limits

  • who is covered: Cardholder, Spouse/Domestic Partner, Dependent Children
  • trip duration limit: 365 days

Coverage Summary

Coverage Area Covered? Limit Conditions Exclusions
emergency medical
❌ No
—
 — —
travel accident Start Claim
✅ Yes
$1,000,000
  • Pays out for accidental loss of life, limb, sight, speech, or hearing.
  • You must charge the entire cost of the fare to the eligible card.
  • Coverage applies while riding, entering, or exiting a common carrier.
  • Also covers taxi, bus, or train rides to/from the airport immediately before/after the flight.
  • Loss caused by illness, disease, or emotional trauma.
  • Suicide or self-inflicted injuries.
  • War (acts of terrorism are not excluded).
  • Acting as a pilot or crew member.
trip cancellation Start Claim
✅ Yes
$2,000
  • You must charge the entire cost of the trip to your eligible card.
  • Coverage applies to you, your spouse/domestic partner, and dependent children.
  • The cancellation must be due to death, accidental injury, or illness of you or an immediate family member.
  • The cancellation can also be due to the financial insolvency of the airline or carrier.
  • A doctor must verify the illness or injury prevented travel.
  • Pre-existing medical conditions.
  • Traveling against the advice of a doctor.
  • Traveling specifically to get medical treatment.
  • Pregnancy during the third trimester.
  • Issues related to drug or alcohol use.
  • Injuries from professional sports or racing.
trip interruption Start Claim
✅ Yes
$2,000
  • You must charge the entire cost of the trip to your eligible card.
  • The interruption must be caused by death, injury, illness, or carrier insolvency.
  • You must provide written notice of the claim as soon as reasonably possible.
  • Pre-existing conditions.
  • Self-inflicted injuries or suicide.
  • War or acts of war (terrorism is covered).
  • Changes in plans or financial circumstances.
trip delay Start Claim
✅ Yes
$500
  • You must purchase a portion or the entire cost of the trip with your eligible card.
  • The trip must be delayed for more than 6 hours or require an overnight stay.
  • The delay must be caused by equipment failure, weather, strike, or hijacking.
  • The trip must not exceed 365 days away from your residence.
  • You must be traveling on a common carrier like a plane, train, or cruise ship.
  • Delays that were made public or known before you left.
  • Pre-paid expenses like tour or activity fees.
  • Taxis, limos, commuter trains, and rental vehicles are not considered common carriers.
lost baggage Start Claim
✅ Yes
$3,000
  • Reimburses the difference between the claimed value and what the airline pays.
  • You must purchase a portion or the entire cost of the trip with the card.
  • Coverage applies to checked luggage and carry-on baggage.
  • You must file a claim with the airline first.
  • Automobiles, motorcycles, and boats.
  • Contact lenses, eyeglasses, and hearing aids.
  • Money, credit cards, and checks.
  • Cameras and sporting equipment.
  • Items shipped as freight.
  • Cosmetics, perfumes, and consumables.
delayed baggage
❌ No
—
 — —
rental car Start Claim
✅ Yes
Actual Cash Value
  • You must initiate and complete the entire rental transaction with your card.
  • You must decline the rental company's collision damage waiver.
  • Coverage includes theft, damage, valid loss-of-use charges, and towing.
  • You must report damage to the administrator immediately.
  • Expensive, exotic, and antique cars.
  • Cargo vans and vehicles with open cargo beds.
  • Motorcycles, mopeds, and motorbikes.
  • Rentals in Israel, Jamaica, Republic of Ireland, or Northern Ireland.
  • Gradual wear and tear or mechanical breakdown.
  • Loss of personal belongings inside the car.
cell phone protection Start Claim
✅ Yes
$800
Ded: $50
  • You must pay your entire monthly cell phone bill with the eligible card.
  • Coverage begins the first day of the month following your payment.
  • Covers damage, theft, or involuntary/accidental parting.
  • Limited to 2 claims per 12-month period.
  • Supplemental coverage (pays after other insurance).
  • Accessories other than standard battery/antenna.
  • Phones purchased for resale or commercial use.
  • Mysterious disappearance (lost without explanation).
  • Cosmetic damage that doesn't affect functionality.
  • Phones under the care of a common carrier or in baggage.
purchase protection Start Claim
✅ Yes
$10,000
  • Covers new retail purchases for 90 days from the purchase date.
  • Protects against theft or damage.
  • You must purchase a portion or the entire cost with the eligible card.
  • This is secondary coverage; it pays after other insurance policies.
  • Animals and living plants.
  • Motorized vehicles and boats.
  • Items left in baggage or under the care of a common carrier.
  • Items lost or mysteriously disappeared.
  • Refurbished items unless they have a warranty.
  • Items purchased for resale or commercial use.
extended warranty Start Claim
✅ Yes
$10,000
  • Extends the manufacturer's warranty by one additional year.
  • Original warranty must be 3 years or less.
  • Valid for warranties of 3 years or less.
  • You must purchase a portion or the entire cost with the eligible card.
  • You should register the warranty, but it is not strictly required if you keep documents.
  • Motorized vehicles, boats, and aircraft.
  • Computer software.
  • Items purchased for resale or commercial use.
  • Used or pre-owned items (refurbished covered if warranted).
  • Real estate and permanent household fixtures.

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