No trip cancellation coverage. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.
What does the insurance on my Marriott Bonvoy Business card actually cover?
American Express·$125/year·American Express·AMEX Assurance Company
1,0/5Independent review · verified July 2026
0,2
2,8
1,8
Our Verdict · Travel Insurance
Our take on travel insurance for the American Express Marriott Bonvoy Business
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Most cardholders assume a $125 Marriott hotel card comes with at least some trip cancellation. It does not. No trip cancellation. No trip delay. No medical coverage abroad. The full travel insurance package fits in one sentence: $1,250 for carry-on bags and $500 for checked bags, secondary to the airline, when you charge the full fare to this card. Cameras, sports equipment, and jewelry are sub-capped at $500 within that carry-on limit. The $125 annual fee buys you Marriott points, elite night credits, a free night award, and that baggage coverage. Standalone travel medical insurance covering $100,000 per person starts around $100 for a two-week trip. If you travel internationally and care about what happens when things go wrong on the road, this card is not your safety net. If you stay at Marriotts regularly and want the hotel perks, the insurance gap is worth knowing before you rely on it.
What works on travel
- Baggage insurance covers carry-on bags up to $1,250 per person: all fare paid with card activates coverage
- Checked bag coverage up to $500 per person: secondary to airline but covers the shortfall
- Coverage extends to spouse and dependent children traveling on the same itinerary
Where travel breaks down
- No trip cancellation: prepaid flights and hotels are fully at your own risk if you cancel
- No emergency medical coverage abroad: a hospital visit outside the US is entirely out of pocket
- No trip delay reimbursement: meals and accommodation during a delay are your expense
- No evacuation benefit: air ambulance from abroad can exceed $100,000 with no card coverage
- Baggage coverage excludes cameras, jewelry, and sports equipment above $500 per item
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 American Express Marriott Bonvoy Business Travel Insurance actually cover?
No trip cancellation insurance on this card. A non-refundable trip of $2,000 or more has no coverage if you must cancel for any reason.
What's not covered
- Trip cancellation not included.
No emergency medical insurance exists in this card's benefits. Every dollar of any hospital bill abroad is yours. A serious ER visit in Japan or Europe runs $10,000 to $80,000.
No emergency medical coverage abroad. The Global Assist Hotline at 1-800-228-6855 provides referrals to local medical providers but reimburses nothing. All medical costs abroad are the cardholder's responsibility.
What's not covered
- No medical reimbursement of any kind. Global Assist is a referral service only.
No evacuation coverage. Air ambulance from a remote destination runs $100,000 to $300,000 with no reimbursement available.
No emergency evacuation or repatriation coverage. This benefit is not included with this card. Emergency transportation costs are entirely the cardholder's responsibility. An air ambulance from Southeast Asia or Central America can exceed $200,000.
What's not covered
- No evacuation or repatriation coverage of any kind.
No trip interruption coverage. This benefit is not included with this card. Costs from a trip cut short, including return flights and unused hotel nights, are out of pocket.
What's not covered
- Trip interruption not included.
No trip delay reimbursement. This benefit is not included with this card. Meals, lodging, and transportation during a delay of any length are the cardholder's responsibility.
What's not covered
- Trip delay reimbursement not included.
No missed connection coverage. This benefit is not included with this card. If a delayed inbound flight causes you to miss a connection, rebooking costs and additional expenses are not covered.
What's not covered
- Missed connection coverage not included.
No early return benefit. This benefit is not included with this card. Additional transportation costs from cutting a trip short due to an emergency are not reimbursed. A last-minute one-way flight home can cost $800 to $2,000.
What's not covered
- Early return transportation coverage not included.
No baggage delay reimbursement. This benefit is not included with this card. Purchases of essential items during a baggage delay are at your expense. A 48-hour baggage delay can require $300 to $500 in essential purchases.
What's not covered
- Baggage delay reimbursement not included.
Coverage is secondary: the airline pays its liability first. File with the airline, get their written response, then submit to AmEx at americanexpress.com/protectionbenefits.
Baggage Insurance Plan covers actual repair or replacement costs for carry-on and checked luggage and personal property inside when lost, stolen, or damaged during a trip charged to this card. The maximum is $1,250 per covered person for carry-on bags and $500 per person for checked bags. A $500 sub-limit applies to high-risk items including cameras, sports equipment, and jewelry. Coverage is secondary to the airline. Insurer: AMEX Assurance Company. Claims: americanexpress.com/protectionbenefits.
What's covered
- Carry-on and checked luggage and personal property inside
- Lost, stolen, or physically damaged luggage during a covered trip
What's not covered
- Cameras, sports equipment, and jewelry above the $500 per item sub-cap
- Cash, traveler's checks, tickets, and negotiable instruments
- Eyeglasses, contact lenses, and prosthetics
- Documents and business equipment
- Items fully covered by the airline's own liability
Travel Accident Insurance (accidental death and dismemberment) is not confirmed in the US benefit documentation for this card. Accidental death or dismemberment while traveling on a common carrier is not covered by a verified US benefit.
What's not covered
- Travel accident coverage not confirmed for US cardholders.
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.
What's not covered
- Hotel theft coverage not included.
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 American Express Marriott Bonvoy Business wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Baggage: above the market average
Trip Cancel: not covered by this card
Medical: not covered by this card
Evacuation: not covered by this card
Compare
Marriott Bonvoy BusinessThis card1.0/5?
$125/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$167 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the American Express Marriott Bonvoy Business stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Marriott Bonvoy Business shoppers also consider.
| Card | This card Marriott Bonvoy Business American Express · $125/yr 1.0/5? | Hilton Honors Aspire American Express · $550/yr 2.9/5? | Aeroplan Chase · $95/yr 3.2/5? | Sapphire Reserve Chase · $795/yr 3.9/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | $10,000 per trip 7 covered reasons | $1,500 per person All prepaid travel | $10,000 per person 13 covered reasons |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | Not covered | $2,500 Reimbursement only | $2,500 | $50 deductible $50 deductible |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | Not covered | $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 | Not covered Cover this gap → | $10,000 per trip Same 7 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 American Express Marriott Bonvoy Business
Real experiences on purchase protection and claims 42 reviews
RA
r/amex
Purchase protection claim approved in 13 days
Filed a purchase protection claim for accidental screen damage on a laptop I bought with the card. Submitted through americanexpress.com/protectionbenefits. The whole process took 13 days from filing to credit in my account. No back and forth. They asked for the original receipt and a short description of how the damage occurred. That was it. I expected more friction. Amex really does handle these faster than other issuers.
RC
r/creditcards
Secondary CDW triggered a claim on my personal auto insurance
Had a fender bender with a rental in Florida. Filed with my personal auto insurance first, which is required since Amex CDW is secondary. They processed it and paid most of the damage. Amex then covered my $1,000 deductible and a small additional charge. Process worked but took two months total. The real issue: my personal insurance rate went up at renewal. Secondary CDW means a claim goes on your record, even though the card ultimately covered the net cost.
RA
r/amex
No trip cancellation on the Bonvoy Business, found out the hard way
Booked flights and a hotel for a business trip using this card. Had to cancel two weeks out because of a family emergency. Assumed the Marriott Bonvoy Business card covered trip cancellation. It does not. The card has no trip cancellation benefit at all. I lost $1,400 in non-refundable costs. Called AmEx and they confirmed there is no trip cancellation on this card. The Brilliant has it. The Business card does not.
Emergency · Card assistance line
How to contact American Express Marriott Bonvoy Business assistance?
AMEX Assurance Company handles all protection benefit claims
AmEx Protection Benefits (US)
1-800-338-1670
Free · 24/7
AmEx Global Assist Hotline (international)
+1-715-343-7977
Collect call accepted · 24/7
Benefit administrator: AMEX Assurance Company. CDW, Purchase Assurance, Extended Warranty, Baggage Insurance Plan. Claims portal: americanexpress.com/protectionbenefits. CDW international: +1-303-273-6497 (collect).
Claims & pre-authorizations
How to file an Amex Marriott Bonvoy Business card benefit claim
1
Step 1: Visit americanexpress.com/protectionbenefits
All claims go through americanexpress.com/protectionbenefits or call 1-800-338-1670. For CDW rental car claims call 1-800-338-1670 (US) or +1-303-273-6497 (international, collect). For baggage claims, report loss or damage to the airline before leaving the airport, then file at americanexpress.com/protectionbenefits. Notice of claim: within 30 days of the loss.
2
Step 2: Gather your documentation
CDW: rental agreement, driver's license, card billing statement, police report if applicable, repair estimate. Baggage: airline ticket, written carrier response, receipts for damaged or lost items. Purchase Assurance: original receipt, card billing statement, police report for theft, repair estimate for damage. Extended Warranty: original receipt, original warranty documentation, card billing statement, repair estimate from a certified repair facility.
3
Step 3: Submit proof of loss
Submit all documentation within 60 days of reporting the claim. CDW and rental car claims: proof of loss within 60 days of the incident. Baggage claims: within 60 days. Purchase Assurance: within 60 days of the loss. Extended Warranty: within 60 days of the product failure. Submit at americanexpress.com/protectionbenefits or by mail. Keep copies of all documents.
FAQ
What people ask about the American Express Marriott Bonvoy Business
- Most Amex Marriott Bonvoy Business card protection benefits activate automatically when you pay with the card. For baggage insurance, charge the full common carrier fare to the card. For car rental coverage, charge the full rental to the card and decline the rental company's collision damage waiver at the counter. For Purchase Assurance and Extended Warranty, simply pay for the item with the card. No pre-registration is required for any benefit.
- Baggage Insurance Plan covers the card member, their spouse or domestic partner, and dependent children when the common carrier fare is paid with this card. Car Rental Loss and Damage Insurance covers the card member and their spouse or domestic partner, as well as any Authorized Driver named on the rental agreement. Purchase Assurance and Extended Warranty cover items purchased with the card, including gifts purchased for others.
- At the rental counter, decline the collision damage waiver and any similar optional coverage. Pay the entire rental with your Amex Marriott Bonvoy Business card and sign as the primary driver on the rental agreement. The rental must not exceed 30 consecutive days. Coverage is secondary: your personal auto insurance pays first, then the card covers your deductible and remaining loss up to $50,000. Coverage is available worldwide except Australia, Italy, New Zealand, and OFAC-sanctioned countries. Report claims within 30 days at americanexpress.com/protectionbenefits or call 1-800-338-1670.
- All Amex Marriott Bonvoy Business protection claims go through americanexpress.com/protectionbenefits or by calling 1-800-338-1670. For CDW rental car claims internationally, call +1-303-273-6497 collect. Report the claim within 30 days of the loss. For baggage claims, report the loss or damage to the airline before leaving the airport, then file with AmEx. Submit all documentation within 60 days of reporting. Keep copies of receipts, your card billing statement, and any police or carrier reports.
- The Amex Marriott Bonvoy Business card does not include trip cancellation, trip interruption, trip delay, emergency medical coverage abroad, or medical evacuation. Baggage insurance covers lost and damaged bags but not baggage delay purchases. Car rental coverage excludes personal liability, personal injury, cargo vans, motorcycles, off-road vehicles, and rentals in Australia, Italy, or New Zealand. Purchase Assurance excludes mysterious disappearance and items stolen from vehicles. There is no cell phone protection, return protection, or price protection on this card.
- No. The Amex Marriott Bonvoy Business card does not include emergency medical insurance abroad. The Global Assist Hotline at 1-800-228-6855 is available 24 hours a day and can refer you to local medical providers and help coordinate logistics. However, the hotline reimburses nothing. All medical bills abroad are the cardholder's financial responsibility. For international travel, carrying separate travel medical insurance with at least $100,000 in emergency coverage is worth considering.
- No. The Amex Marriott Bonvoy Business card does not include trip cancellation or trip interruption insurance. If you need to cancel a trip, prepaid and non-refundable flights, hotels, and tours are not reimbursable through this card. Trip cancellation insurance is available on the Marriott Bonvoy Brilliant American Express card, which carries a $650 annual fee. If trip cancellation coverage matters to you, consider purchasing a separate travel insurance policy for trips with significant non-refundable costs.
- Extended Warranty adds one additional year of coverage to any eligible item you purchase with the card that has a U.S. manufacturer warranty of five years or less. A television with a two-year warranty gets two years plus one more. The maximum benefit is $10,000 per covered item and $50,000 per account per calendar year. Buy the item with your Amex Marriott Bonvoy Business card, keep the original receipt and warranty documentation, and file at americanexpress.com/protectionbenefits within 30 days of the failure.
- No. Cell phone protection is not included with the Amex Marriott Bonvoy Business card. If your phone is stolen or accidentally damaged, repair and replacement costs are entirely your responsibility. Screen repair on a flagship smartphone typically runs $200 to $400. Device replacement runs $800 to $1,300. To get cell phone protection, you would need a card that specifically includes this benefit and typically requires paying your monthly wireless bill with that card.
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