American Express Hilton Honors Surpass Card Insurance Benefits 2025

For assistance with Hilton Honors Surpass Card benefits, contact customer service at 1-800-338-1670 or internationally at +1-303-273-6497.

To file a claim for Hilton Honors Surpass Card benefits, visit americanexpress.com/onlineclaim or call 1-800-338-1670. Claims must be submitted within 30 days of the event.

Coverage extends to the cardholder, their spouse/domestic partner, and dependent children under 23 years of age.

To request an insurance certificate, email [email protected] with your name, the last 5 digits of your card number, and the required certificate type.

Exclusions include high-risk activities such as professional sports, motor racing, and mountaineering. Refer to the policy document for a full list of exclusions.

Coverage begins when the purchase or trip is fully charged to the card and lasts up to 90 days for purchase protection or as specified in the benefit terms.

Coverage applies worldwide except in countries under U.S. sanctions, such as Cuba, Iran, and North Korea.

Yes, full payment must be made using the eligible card to activate coverage.