No trip cancellation. 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 Marriott Boundless card cover for travel and rental insurance?
Chase·$95/year·Visa Signature
Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 11, 20268 min read
1,6/5Travel Insurance gap.Independent review · verified June 2026
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Our Verdict · Travel Insurance
Our take on travel insurance for the Chase Marriott Bonvoy Boundless
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
No trip cancellation. No emergency medical. The Marriott Bonvoy Boundless earns hotel points first, and its travel insurance profile reflects that priority. Your flight is delayed overnight at a connection: the card covers meals and lodging up to $500 per person after 12 hours, administered by Virginia Surety Company under the Marriott Bonvoy Boundless card benefits. Most cardholders assume a co-branded hotel card includes trip cancellation. It doesn't. The Guide to Benefits confirms no benefit language, no covered reasons, no reimbursement for non-refundable bookings if you cancel. Standalone travel insurance covering both trip cancellation and $100,000 in emergency medical starts around $80 for a two-week international trip. If you use the card primarily for hotel stays domestically, the gaps are manageable. If you're booking international travel without a separate policy, the absence of medical coverage is a real financial exposure.
What works on travel
- $500 per person trip delay reimbursement: meals, lodging, and transportation covered after a 12-hour delay or overnight stay away from home
- $3,000 per person lost luggage reimbursement: covers both checked and carry-on bags, with a $500 sub-cap on jewelry and electronics
- $500,000 travel accident insurance on common carriers: lump-sum payment for accidental death or dismemberment on flights, trains, and cruise ships
Where travel breaks down
- No trip cancellation coverage: every non-refundable flight, hotel, and tour is at your expense if you cancel for any reason
- No emergency medical insurance abroad: a single ER visit in Japan or Europe typically runs $10,000 to $80,000, entirely out of pocket
- 12-hour delay threshold: one of the highest triggers in its fee tier, harder to reach on domestic connections than the 6-hour standard
- No trip interruption: costs from cutting a trip short, including last-minute return flights, are entirely the cardholder's responsibility
Notre méthodologie
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Travel Insurance · 11 guarantees
What does my Marriott Bonvoy Boundless card's travel insurance cover?
Quality, not just caps
No trip cancellation coverage on this card. Every non-refundable booking is at the cardholder's expense in the event of cancellation, regardless of the reason.
What's not covered
- Trip cancellation is not a covered benefit under BGC10784 or BGC11359.
No emergency medical coverage. A hospital admission outside the US requires full out-of-pocket payment. A medevac from Southeast Asia can exceed $200,000.
No emergency medical coverage abroad. Travel and Emergency Assistance provides referrals only. All medical costs abroad are the cardholder's responsibility. A single ER visit in Japan or Europe typically runs $10,000 to $80,000.
What's not covered
- Emergency medical insurance is not a covered benefit on this card.
No evacuation benefit. The Travel and Emergency Assistance line coordinates only; all transport costs are the cardholder's responsibility.
No emergency evacuation or repatriation benefit. Travel and Emergency Assistance provides coordination and referrals only. Emergency transportation costs are entirely the cardholder's responsibility. A transoceanic air ambulance from Southeast Asia runs $200,000 to $300,000.
What's not covered
- Emergency evacuation coverage is not included. Assistance line coordinates logistics but pays nothing.
No trip interruption coverage. If your trip is cut short, non-refundable prepaid expenses are not reimbursed. Costs from an early return home due to illness could cost $3,000 to $10,000 in unrecovered expenses.
What's not covered
- Trip interruption is not a covered benefit under BGC10784 or BGC11359.
The 12-hour threshold is twice the 6-hour standard on premium Chase cards. Domestic flight delays rarely exceed 12 hours, making this benefit harder to trigger for most cardholders.
Delay must be 12 hours or more, or force an unplanned overnight stay Common carrier ticket must be charged to the Marriott Bonvoy Boundless card File claim through chasecardbenefits.com within the timeframe specified in BGC10784
Covers reasonable expenses when a covered trip is delayed 12 or more hours, or requires an overnight stay away from home. Benefits include meals, lodging, and transportation not reimbursed by the carrier, up to $500 per covered person. Source: BGC10784.
What's covered
- Meals not reimbursed by the airline
- Lodging when overnight stay is required
- Transportation between airport and lodging
What's not covered
- Delays caused by events within the cardholder's control
- Expenses reimbursed by the carrier
- New replacement flight bookings (only expenses incurred during the delay, not rebooking costs)
No missed connection coverage. If a delayed inbound flight causes you to miss a connection, rebooking costs and additional expenses are not covered. Last-minute rebooking on a missed international connection can cost $300 to $800.
What's not covered
- Missed connection is not a covered benefit 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
- Early return coverage is not included on this card.
Chase.com incorrectly states coverage for 5 days. The PDF BGC11359 specifies three (3) days. If your bag is delayed beyond day 3, all subsequent expenses are at your cost.
Baggage must be delayed 6 or more hours from scheduled arrival Must be checked baggage on a common carrier Common carrier ticket must be charged to the card File claim with Virginia Surety Company within the timeframe specified in BGC11359
Covers essential purchases when your checked bag is delayed 6 or more hours from your scheduled arrival. The benefit pays $100 per day for up to three consecutive days, for a maximum of $300 per trip. Covered purchases include toiletries, clothing, and one charger per type. Source: BGC11359.
What's covered
- Toiletries and personal hygiene items
- Clothing for the duration of the delay
- One phone or device charger per type
What's not covered
- Carry-on baggage delays
- Alcoholic beverages
- Gratuities
- Items beyond reasonable essentials
- Delays on return trips to your permanent residence
Must report loss or damage to the carrier before leaving the airport and obtain a Property Irregularity Report (PIR) File a claim with Virginia Surety Company within 20 days; submit all documents within 90 days Common carrier ticket must be charged to the card
Covers lost, damaged, or stolen checked and carry-on baggage up to $3,000 per covered person per trip. Jewelry, watches, and electronics are subject to a $500 sub-limit each, included within the $3,000 total. New York residents have separate limits. Source: BGC11359.
What's covered
- Checked baggage lost or damaged by the common carrier
- Carry-on baggage lost, damaged, or stolen while in the custody of the common carrier
- Clothing, personal items, and equipment up to $3,000 per person
What's not covered
- Jewelry and watches: $500 sub-limit applies
- Cameras, electronics, video recorders: $500 sub-limit applies
- Cash, credit cards, tickets, documents
- Perishable items
- Animals
- Fur and art
- New York residents: $2,000 per bag, $10,000 per trip
Common carrier ticket must be charged to the card Coverage active from trip departure date through the earlier of trip completion or 30 days Benefit applies when riding as a passenger on a scheduled common carrier
Provides a lump-sum benefit for accidental death or dismemberment. The Common Carrier benefit pays up to $500,000 when the incident occurs during travel on a scheduled airline, train, ship, or bus. The Twenty-Four Hour Travel Accident benefit pays up to $100,000 for incidents occurring at any point during the covered trip. Source: BGC11359.
What's covered
- Accidental death: 100% of benefit amount
- Loss of two limbs, two eyes, or one limb and one eye: 100%
- Loss of one hand, foot, eye, hearing, or speech: 50%
- Loss of thumb and index finger on the same hand: 25%
What's not covered
- Self-inflicted injuries
- War or military action
- Injuries while operating or learning to operate aircraft
- Sickness or disease
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 protection is not a covered benefit on this card.
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the Chase Marriott Bonvoy Boundless wins, and where it loses
An 8-dimension snapshot compared to the Sapphire Reserve and the average premium travel card.
Compare
Marriott Bonvoy BoundlessThis card1.6/5?
$95/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$150 avg. annual feeSapphire Reserve
Chase · $550/yrClick a layer to highlight its scores on the radar.
Side-by-side comparison
Alternatives to the Chase Marriott Bonvoy Boundless
HelloCard.sideBySide.subtitle
| Card | This card Marriott Bonvoy Boundless Chase · $95/yr 1.6/5? | Sapphire Reserve Chase · $795/yr 3.9/5? | Metal Revolut · $204/yr 3.0/5? | Sapphire Reserve Business Chase · $795/yr 3.7/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | $10,000 per person 13 covered reasons | €5,000 per person 10% excess, max €50/claim | $10,000 per person All prepaid travel |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | $2,500 | $50 deductible $50 deductible | €10,000,000 Pre-approval recommended | $2,500 Reimbursement only |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | $100,000 | pre-auth required Pre-authorization required | Unlimited Arranged by XCover Assist | $100,000 Pre-authorization required |
Trip delay trigger Hours before benefits kick in | 12h / $500 12-hour delay threshold | $500 after 6 hours Trigger: 6 hours | 4h / €500 Trigger: 4 hours | 6h / $500 Trigger: 6 hours or overnight |
Rental CDW Primary or secondary | Secondary / $60,000 Secondary CDW (US) | Primary / $75,000 Primary coverage | Secondary / €2,000 Secondary — excess reimbursement | Primary / $75,000 Primary coverage |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What Marriott Bonvoy Boundless cardholders say
Real experiences from Reddit, WalletHub, and CFPB complaint data 47 reviews
CH
churning_traveler
Baggage delay claim went smoothly
My checked bag didn't show up for 8 hours on a connection through JFK. Filed online at chasecardbenefits.com, submitted receipts for toiletries and a change of clothes. Got reimbursed within 2 weeks. The 3-day cap is real but for a short delay the benefit works as advertised.
MA
marriott_points_guy
CDW was primary in Portugal, saved me from filing on my own policy
Had a minor fender-bender in Portugal while on a road trip. Paid the whole rental on the Boundless, declined the CDW at the counter. When the accident happened, the claim was handled as primary with no interaction with my US auto insurer. Full reimbursement. Just know that in the US it flips to secondary.
WA
WalletHub_reviewer
No trip cancellation despite being sold as a travel card
I assumed a $95 travel card had trip cancellation. Called Chase twice and both reps confirmed it doesn't. Had to buy separate travel insurance for my non-refundable hotel bookings. Wish the card page made this clearer. The points program is great but don't rely on this card for cancellation coverage.
R_
r_creditcards_poster
The $500 purchase protection sub-limit stings on electronics
Bought a $900 camera that got stolen within 90 days of purchase. Got exactly $500 back. The same $500 per item sub-limit applies under the lost luggage benefit for electronics. If you carry expensive gear, the coverage ceiling is real.
Emergency · Card assistance line
Marriott Bonvoy Boundless card assistance and claims
Virginia Surety Company (Assurant) administers all card benefits. For emergencies, Travel and Emergency Assistance provides referrals and coordination only. It does not pay medical or evacuation costs.
US Assistance
1-800-349-2634
24/7
International Assistance
collect: +1-214-503-2951
Collect calls accepted · 24/7
Benefit administrator: Virginia Surety Company, Inc. (Assurant) for all card benefits
Claims & pre-authorizations
How to file a Marriott Bonvoy Boundless claim
1
Report the incident immediately
For baggage delay or loss, report to the airline before leaving the airport and obtain a Property Irregularity Report (PIR). For rental car damage, get the incident report and itemized repair estimate from the agency before returning the vehicle. For trip delay, document the carrier's reason for the delay in writing.
2
Initiate your claim within the deadline
Contact Virginia Surety Company through chasecardbenefits.com or call 1-800-349-2634 (US) or 001-214-503-2951 (international, collect) within 20 days of the incident. For trip delay claims under BGC10784, refer to the timeframe specified in that guide. Filing late is the most common reason for claim denial.
3
Gather your documentation
Required documents vary by benefit. For baggage delay: receipts for each purchase, airline written confirmation of the delay, and your card statement. For lost luggage: the PIR, itemized list of bag contents with values, and any carrier settlement documentation. For rental car damage: the rental agreement, damage report, and itemized repair bill from the agency. Keep every receipt dated.
4
Submit and follow up
Submit all documentation through chasecardbenefits.com. Some cardholders report clean approvals in two to three weeks. Others describe repeated document requests before resolution. If your claim is denied, request the specific denial reason in writing and ask to escalate to your claims examiner directly, not the front-line representative.
FAQ
Chase Marriott Bonvoy Boundless benefits: your questions answered
- Most Marriott Bonvoy Boundless benefits activate automatically when you charge the relevant purchase to your card. For trip delay and baggage benefits, the common carrier ticket must be paid in full or in part with the Boundless card. For rental car CDW, decline the agency's collision damage waiver at the counter and charge the full rental to your card. No registration is required before travel, but you must initiate a claim through chasecardbenefits.com or by calling 1-800-349-2634 within 20 days of an incident.
- Coverage extends to the primary cardholder and their spouse or domestic partner for most benefits. For baggage delay and loss, a covered person is anyone whose common carrier ticket was charged to the card. For rental car CDW, the cardholder must be the primary renter on the rental agreement. Dependent children and authorized users may qualify for select benefits. The exact definition of a covered person varies by benefit, so review your Guide to Benefits (BGC11359 and BGC10784) for the specific terms that apply to each coverage.
- So, you're at the agency counter. The agent offers their collision damage waiver. Decline it. Pay the full rental with your Marriott Bonvoy Boundless card, and the card steps in for collision and theft up to $60,000. The kicker: in the US, coverage is secondary when you carry personal auto insurance. Your own insurer pays first, and the card covers what remains. Internationally, or when you have no US personal auto policy, coverage becomes primary. Maximum rental period is 31 consecutive days. Motorcycles, luxury vehicles over $125,000 MSRP, and peer-to-peer rentals like Turo are excluded.
- File through chasecardbenefits.com or call 1-800-349-2634 (US) or collect at 001-214-503-2951 (international). Virginia Surety Company administers all benefits. For baggage claims, report to the airline before leaving the airport and get a Property Irregularity Report. For rental car damage, obtain the itemized repair bill from the agency. Initiate claims within 20 days of the incident and submit all supporting documents within 90 days. Some cardholders report clean approvals in two to three weeks. Others describe repeated document requests. File the day the incident happens, not when you get home.
- Trip cancellation and trip interruption are not covered. If you cancel a non-refundable trip for any reason, every prepaid dollar is yours to absorb. Emergency medical insurance abroad is not included. Travel and Emergency Assistance provides referrals only; all hospital bills are at your expense. Emergency evacuation is not covered. The 12-hour trip delay trigger means most domestic delays will not qualify. Cell phone protection, return protection, price protection, and personal accident insurance for rental car occupants are also absent. The card covers baggage, trip delay (12h+), lost luggage, CDW, and purchase protection.
- Yes, if you travel internationally. The Marriott Bonvoy Boundless does not include emergency medical insurance. Travel and Emergency Assistance can refer you to local providers and help coordinate logistics, but every bill is yours to pay. A single ER visit in Japan averages $15,000 to $60,000. A serious accident in Europe can run higher. Standalone travel insurance with $100,000 in emergency medical coverage starts around $40 to $80 for a two-week trip. If you travel domestically only, your personal health insurance typically provides coverage, but confirm your policy's out-of-network terms before assuming full coverage.
- No. Cell phone protection is not a benefit on the Marriott Bonvoy Boundless. Theft, accidental screen damage, and device loss are not reimbursed through this card. Screen repairs typically run $150 to $300; flagship replacement costs $800 to $1,300. If cell phone coverage is a priority, you will need either a card that includes it as a standalone benefit or a separate device protection plan. The purchase protection benefit covers theft of new electronics within 120 days of purchase, up to $500 per item, but does not extend to ongoing device coverage.
- Partially. The Marriott Bonvoy Boundless includes trip delay reimbursement ($500 per person after 12 hours), baggage delay ($100 per day for up to three days), lost luggage reimbursement ($3,000 per person), and travel accident insurance ($500,000 on common carriers). What it does not include is trip cancellation, emergency medical, or emergency evacuation coverage. For travelers booking non-refundable trips or going abroad without separate health coverage, the Marriott Bonvoy Boundless card benefits are a starting point, not a complete travel insurance solution.
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