No trip cancellation coverage. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel for a covered reason. A standalone travel insurance policy is required for this coverage.
Marriott Bonvoy Bountiful benefits: does the travel coverage hold up?
Chase·$250/year·Visa Signature·Virginia Surety Company (Assurant)
Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 11, 20268 min read
1,6/5Independent review · verified June 2026
0,9
3,4
1,7
Our Verdict · Travel Insurance
Our opinion on Chase Marriott Bonvoy Bountiful Travel Insurance
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
No cancel. No medical. No evacuation. The Marriott Bonvoy Bountiful insurance starts and ends with trip delay and baggage: everything else is the cardholder's responsibility. Trip delay kicks in at 12 hours, covering meals and lodging up to $500 per person. Most cardholders assume a $250 hotel card covers trip cancellation. The benefit terms don't include it. There is no trip cancellation, no emergency medical abroad, no evacuation coverage. A serious ER visit in Europe or Japan typically runs $15,000 to $60,000. This card provides zero reimbursement for that exposure. If the Bountiful is your primary travel card without a standalone policy, the three biggest financial risks on any trip are entirely unprotected.
What works on travel
- $500 trip delay per person: 12-hour trigger, covers meals and lodging during overnight delays
- $500 baggage delay reimbursement per traveler: $100/day for up to 5 days, triggers at 6 hours
- $3,000 lost luggage reimbursement per traveler: covers both checked and carry-on bags
- $500,000 common carrier accidental death benefit: 24-hour coverage on trips up to 30 days
Where travel breaks down
- No trip cancellation or interruption: prepaid non-refundable flights, hotels, and tours are not reimbursable
- No emergency medical abroad: every hospital bill outside the US is the cardholder's responsibility
- No emergency evacuation: air ambulance from a remote destination can exceed $200,000
- 12-hour trip delay trigger: 11 hours 59 minutes of delay and nothing is covered
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 Chase Marriott Bonvoy Bountiful Travel Insurance actually cover?
Quality, not just caps
No trip cancellation exists in the benefit terms. Every non-refundable prepaid expense (flights, hotels, tours) is at full risk if you cancel. A $3,000 non-refundable trip is entirely unrecovered.
What's not covered
- No trip cancellation benefit of any kind
No emergency medical insurance. Travel and Emergency Assistance refers you to local doctors but pays nothing. A serious ER visit in Japan or Europe typically runs $15,000 to $60,000. All out of pocket.
No emergency medical coverage abroad. Travel and Emergency Assistance provides referrals and logistical help 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
- No emergency medical benefit of any kind
Travel and Emergency Assistance helps arrange emergency transportation but pays nothing. All evacuation and repatriation costs are the cardholder's responsibility. A transoceanic air ambulance from Southeast Asia runs $200,000 or more.
No emergency evacuation or repatriation benefit. Travel and Emergency Assistance arranges emergency transportation logistics, but the Covered Traveler is responsible for all costs. Emergency air ambulance costs from Southeast Asia run $200,000 or more.
What's not covered
- No evacuation insurance. Cardholder pays all transportation costs.
If illness or a family emergency forces an early return, every unused prepaid hotel night and tour fee is the cardholder's loss. A week-long interruption can mean $2,000 to $5,000 in unrecovered costs.
No trip interruption coverage. If your trip is cut short due to illness or emergency, non-refundable prepaid expenses are not reimbursed. Costs from a trip cut short, including return flights and unused hotels, are out of pocket.
What's not covered
- No trip interruption benefit of any kind
The 12-hour trigger is one of the longest on the market. A flight delayed 11 hours and 59 minutes earns nothing. Premium Chase cards trigger at 6 hours.
Common carrier fare must be charged to the Bountiful card Delay must exceed 12 hours or require an overnight stay Expenses must be unreimbursed by the carrier
Covers unreimbursed meals and lodging when a common carrier delay exceeds 12 hours or requires an overnight stay. The benefit pays up to $500 per covered traveler. The cardholder must charge the common carrier fare to the card to be eligible.
What's covered
- Meals during the delay
- Lodging if overnight stay required
What's not covered
- Delays under 12 hours without an overnight stay
- Expenses reimbursed by the airline
- Transportation costs (meals and lodging only)
No missed connection coverage. If a delayed inbound flight causes you to miss a connection, rebooking costs and related expenses are not covered. Last-minute rebooking on a missed international connection can cost $300 to $800.
What's not covered
- No missed connection benefit of any kind
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
- No early return benefit of any kind
Delay must exceed 6 hours from scheduled arrival time Baggage must be checked with a Common Carrier Common Carrier fare must be charged to the Bountiful card or paid with Rewards Baggage delay must be reported to the Common Carrier before leaving the airport or station
Covers essential personal item purchases when checked baggage is delayed more than 6 hours by a common carrier. The benefit pays $100 per day for up to 5 days, for a maximum of $500 per covered traveler. Covered purchases include toiletries, a change of clothes, and one charger per device.
What's covered
- Toiletries
- Change of clothes
- Chargers for electronic devices (one per device)
What's not covered
- Hearing aids
- Artificial teeth, dental bridges, or prosthetic devices
- Tickets, documents, money, securities, checks, travelers checks, valuable papers
- Business samples
- Jewelry and watches
- Cameras, video recorders, and other electronic equipment
- Recreational equipment
Covered Card fare or Rewards must be used to pay the Common Carrier Loss must be reported to Common Carrier immediately upon discovery Property Irregularity Report (PIR) must be filed at airport or station Claim notification within 20 days of loss Documentation within 90 days of loss
Covers the repair or replacement cost for checked baggage and carry-on baggage that is lost, damaged, or stolen by a common carrier. The maximum is $3,000 per covered traveler. A $500 sub-limit applies to jewelry and watches combined, and a separate $500 sub-limit applies to cameras and other electronic equipment.
What's covered
- Checked baggage lost or damaged by Common Carrier
- Carry-on baggage lost or damaged while in Common Carrier's control
- Actual cash value (replacement cost less depreciation)
What's not covered
- Items inadvertently left behind on Common Carrier
- Documents, money, securities, tickets, checks, travelers checks, furs
- Jewelry and watches: capped at $500 total
- Cameras and electronic equipment: capped at $500 total
For Common Carrier benefit: Common Carrier fare must be charged to the Bountiful card Loss must occur within 1 year of the accident Trip up to 30 days for 24-hour coverage; days 31+ covered by Common Carrier benefit only Claim within 20 days, documentation within 90 days
Pays $100,000 for accidental death or dismemberment occurring during any trip (24-hour coverage, trips up to 30 days), and $500,000 when traveling on a common carrier fare charged to the card. Coverage applies to the cardholder and Family Member. The benefit amount reduces to 50% or 25% for partial limb or digit loss per the dismemberment schedule.
What's covered
- Accidental death: 100% of applicable benefit
- Loss of both hands, both feet, sight of both eyes, or combination: 100%
- Loss of one hand, one foot, sight of one eye, or speech or hearing: 50%
- Loss of thumb and index finger of same hand: 25%
What's not covered
- Entering or exiting aircraft while acting as pilot or crew member
- Emotional trauma, mental or physical illness, pregnancy, childbirth, bacterial or viral infection
- Commission of any illegal act including felony
- Being engaged in a motorized vehicle race or speed contest
- Suicide, attempted suicide, or intentionally self-inflicted injury
- War, declared or undeclared
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
- No hotel theft benefit of any kind
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 Bountiful wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
Marriott Bonvoy BountifulThis card1.6/5?
$250/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$150 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Chase Marriott Bonvoy Bountiful stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Marriott Bonvoy Bountiful shoppers also consider.
| Card | This card Marriott Bonvoy Bountiful Chase · $250/yr 1.6/5? | Sapphire Reserve Chase · $795/yr 3.9/5? | Altitude Reserve U.S. Bank · $400/yr 3.0/5? | Sapphire Reserve Business Chase · $795/yr 3.7/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | $10,000 per person 13 covered reasons | $2,000 per person Common carrier costs only | $10,000 per person All prepaid travel | |
Emergency medical Hospital bills abroad | $2,500 | $50 deductible $50 deductible | Not covered | $2,500 Reimbursement only | |
Emergency evacuation Air ambulance + repatriation | $100,000 | pre-auth required Pre-authorization required | $10,000 Pre-authorization required | $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 | 6h / $500 Trigger: 6 hours | 6h / $500 Trigger: 6 hours or overnight |
Rental CDW Primary or secondary | Secondary / $60,000 Secondary CDW (USA) | Primary / $75,000 Primary coverage | Primary / $75,000 Primary coverage | Primary / $75,000 Primary coverage |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the Chase Marriott Bonvoy Bountiful
Real experiences on rental car coverage, trip delay, and claim processes 42 reviews
RC
r/creditcards
CDW worked exactly as advertised
A fender bender on day three. We didn't buy CDW. We paid nothing. The card covered it.
RC
r/creditcards
Claims process takes longer than expected
The whole process will take close to two months. That's what happened in ours. There will be some back and forth by email before you get your reimbursement.
RC
r/creditcards
Assumed trip cancellation was included: it is not
These are policies acquired by card issuers at very low cost specifically because they only cover a very small percentage of incidents. It's 90% marketing and 10% benefit. It does pay out, just in substantially fewer cases than their marketing would lead you to assume.
Emergency · Card assistance line
How to contact Chase Marriott Bonvoy Bountiful assistance?
US Assistance
1-800-349-2634
24/7
International Assistance
collect: 001-214-503-2951
Collect calls accepted · 24/7
Benefit administrator: Virginia Surety Company (Assurant) for all card benefits | Travel and Emergency Assistance: third-party provider via Virginia Surety
Claims & pre-authorizations
How to file a Marriott Bonvoy Bountiful claim
1
Step 1: Report within the benefit deadline
Visit chasecardbenefits.com or call 1-800-349-2634 as soon as the incident occurs. Deadlines vary by benefit: 20 days for baggage delay, lost luggage, and travel accident; 90 days for extended warranty and purchase protection; 100 days for auto rental. File even before you have all documents. Getting your claim number on record matters. If you are outside the US, call collect at 001-214-503-2951.
2
Step 2: Gather required documentation
Collect your travel itinerary, the card statement showing the charge to your Bountiful card, and benefit-specific documents. For auto rental: accident report, initial and final rental agreement, repair estimate and itemized repair bill, and a copy of the demand letter from the rental agency. For baggage delay: written confirmation of the delay from the airline, plus itemized receipts for essential purchases. For lost luggage: file a Property Irregularity Report (PIR) at the airport or station before leaving.
3
Step 3: Submit within 90 to 365 days
Most benefits require supporting documentation within 90 to 120 days of the incident. Auto rental is the exception: 365 days from date of damage or theft. Virginia Surety Company (Assurant) administers all benefits. Based on reported cardholder data points, processing takes 7 business days once all documents are received, with ACH payment arriving 1 to 2 business days after approval. Submit documents together rather than piecemeal. Incomplete submissions extend the timeline.
FAQ
What people ask about the Chase Marriott Bonvoy Bountiful
- Most Marriott Bonvoy Bountiful travel benefits activate automatically when you pay for your trip with the card. For trip delay and baggage benefits, charge all or a portion of your common carrier fare (flight, train, or cruise) to the Bountiful card or use Rewards. For rental car coverage, charge the full rental to the card and decline the agency's collision damage waiver at the counter. No pre-registration or enrollment is required. The coverage is tied to your card account by Virginia Surety Company, the benefit administrator.
- Coverage extends to the cardholder and, for most travel benefits, to Family Members as defined in the benefit terms. Family Member includes your spouse or domestic partner, parents, sons and daughters (including adopted and stepchildren), legal guardians, siblings, grandparents, grandchildren, aunts and uncles, nieces and nephews, and their spouses or domestic partners. For Auto Rental Coverage, additional drivers listed on the Rental Car Agreement are also covered. For Travel and Emergency Assistance, coverage extends to your Immediate Family Member, defined as spouse or domestic partner and legally dependent children under 26.
- So, you're at the agency counter and the agent offers their collision damage waiver at $20 per day. Decline it. Charge the full rental to your Bountiful card and you're covered against theft and collision damage up to $60,000. In the United States, coverage is secondary. Your personal auto insurance pays first, and the card covers what remains. Outside the US, coverage is primary, meaning no claim against your personal insurer. Rentals up to 31 consecutive days are eligible. Exotic vehicles, motorcycles, cargo vans, and cars with an MSRP over $125,000 are excluded. Report any incident to chasecardbenefits.com within 100 days.
- File at chasecardbenefits.com or call 1-800-349-2634. Outside the US, call collect at 001-214-503-2951. File as soon as the incident occurs, even before you have all documents. Deadlines are strict: 20 days for baggage delay and lost luggage, 90 days for purchase protection and extended warranty, 100 days for auto rental. Virginia Surety Company (Assurant) administers the claim. Keep all itemized receipts, your travel itinerary, and the card statement showing the charge. For rental damage, you will need the accident report, rental agreement, and the agency's demand letter.
- The Marriott Bonvoy Bountiful does not cover trip cancellation, trip interruption, emergency medical expenses abroad, or emergency medical evacuation. These are the four highest-cost travel risks and none are included. Trip delay coverage exists but only triggers after 12 hours. Shorter delays are not covered. Rental car coverage is secondary in the United States, meaning your personal insurer pays first. Mysterious disappearance is excluded from purchase protection. The card also does not cover liability in a rental car accident, personal belongings stolen from a rental vehicle, or cell phone damage or theft.
- Yes, if you travel internationally. The Marriott Bonvoy Bountiful provides no emergency medical coverage abroad. Travel and Emergency Assistance will refer you to local English-speaking doctors and hospitals, but every medical bill is entirely the cardholder's responsibility. A single ER visit in Japan or Western Europe typically runs $10,000 to $80,000. A transoceanic medical evacuation can exceed $200,000. If you travel internationally, a standalone travel insurance policy or a separate medical travel policy is necessary to cover this gap.
- No, the Marriott Bonvoy Bountiful does not include cell phone protection. Theft or accidental damage to your phone, including a cracked screen, is not covered by this card's benefit program. Replacing a current flagship smartphone out of pocket costs $800 to $1,300. If cell phone protection is important to you, consider supplementing with a standalone device insurance plan or checking whether your wireless carrier offers coverage as part of your monthly plan.
- The Marriott Bonvoy Bountiful offers secondary CDW coverage in the United States. This means your personal auto insurance pays first if you have a collision or theft, and the card benefit covers remaining costs up to $60,000. Outside the United States, coverage is primary. You file directly with the card's benefit administrator without involving your personal insurer. For most cardholders renting within the US who have personal auto insurance, secondary CDW still results in zero out-of-pocket costs on a covered rental claim, though filing with your personal insurer can affect your rates.
- No. Trip cancellation insurance is not included with the Marriott Bonvoy Bountiful. If you cancel a trip for a covered reason (illness, death in the family, severe weather), no prepaid non-refundable expenses are reimbursed through this card. This is one of the most significant coverage gaps on the card. For a $250 annual fee card used for hotel travel, the absence of trip cancellation means any non-refundable booking is at full risk. If trip cancellation is important to your travel style, consider purchasing a standalone travel insurance policy or using a card that includes this benefit.
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