Hilton Honors American Express Aspire Card

Hilton Honors American Express Aspire Card

Annual Fee: $550

Issuer: American Express

Policy Version: April 2024

Last Updated: 2026-02-08

Policy Information

Claims Contact

website: americanexpress.com/onlineclaim
phone domestic: 1-800-228-6855
phone international: 1-303-273-6497

Global Limits

who is covered: Card Member, Spouse/Domestic Partner, Dependent Children, Traveling Companions (varies by benefit)
trip duration limit: 365 days

Coverage Summary

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical	❌ No	—	—	—
travel accident	❌ No	—	—	—
trip cancellation Start Claim	✅ Yes	$10,000	Must charge the full amount of the trip to the eligible card Covers non-refundable amounts paid to a travel supplier Must notify travel supplier immediately upon medical advice to cancel Coverage is secondary to other insurance or carrier refunds	Pre-existing medical conditions (lookback 60 days) Suicide or self-inflicted injury War or acts of war Mental or emotional disorders unless hospitalized Participation in professional sporting activities Intoxication or drug use Illegal acts or felonies Financial insolvency of the travel supplier
trip interruption Start Claim	✅ Yes	$10,000	Reimburses forfeited non-refundable prepaid travel arrangements Covers additional transportation expenses to rejoin the trip or return home Must charge the full amount of the trip to the card Coverage is secondary to other reimbursements	Pre-existing medical conditions War or acts of war Self-inflicted injuries or suicide One-way travel without a return destination Traveler incarceration
trip delay Start Claim	✅ Yes	$500	You must charge the full amount of the trip to your eligible card Coverage includes family members and traveling companions booked on the same itinerary Trip must be away from your city of residence Trip duration must not exceed 365 days Covers reasonable expenses like meals, lodging, and toiletries	Delays made public prior to departure Expenses paid prior to the trip Intentional acts by the traveler Expenses reimbursable by an employer Coverage is secondary to common carrier reimbursements
lost baggage Start Claim	✅ Yes	$3,000	Must pay for the entire fare with the eligible card Coverage applies to both carry-on ($3,000) and checked baggage ($2,000, or $3,000 depending on state) Must be traveling on a common carrier (plane, train, ship, bus) High risk items are limited to $1,000 max per person	War or acts of war Cash, credit cards, and securities Tickets and documents Living plants and animals Food and perishables Eyeglasses, contact lenses, and hearing aids Property shipped as freight
delayed baggage	❌ No	—	—	—
rental car Start Claim	✅ Yes	$75,000	Must pay for the entire rental with the card Must decline the rental company's collision damage waiver (CDW) Coverage is worldwide with specific country exclusions Includes Accidental Death and Dismemberment coverage within the rental policy Includes coverage for personal property inside the rental car ($1,000 limit)	Rentals in Australia, Italy, and New Zealand Cargo vans and trucks over 10,000 lbs Vehicles at least 20 years old Limousines and off-road vehicles Intoxication or illegal activity Wear and tear or mechanical breakdown Unlocked vehicles (for theft)
cell phone protection Start Claim	✅ Yes	$800 Ded: $50	Must charge the monthly cell phone bill to the eligible card Coverage begins the first day of the month following payment Limit of 2 claims per 12-month period Coverage is excess (secondary) to other insurance	Accessories other than standard battery/antenna Phones purchased for resale or professional use Lost phones or mysterious disappearance Phones under the care of a common carrier Cosmetic damage that does not impact functionality Voluntary parting or mis-delivery
purchase protection Start Claim	✅ Yes	$10,000	Covers theft, accidental damage, or loss Coverage is secondary to other insurance (e.g., homeowners) Limit of $50,000 per card account per calendar year Must use the eligible card for the purchase	War or acts of war Items under care of a third party (common carrier) Items left unlocked or unattended Consumables (food, perfume, batteries) Permanent fixtures to land or buildings Traveler's checks, cash, and tickets Items for professional or commercial use
extended warranty Start Claim	✅ Yes	$10,000	Matches the original manufacturer's warranty Only applies to warranties of 5 years or less Calendar year limit of $50,000 per card Starts after the manufacturer warranty expires	Items with unconditional satisfaction guarantees Animals or living plants Consumables like food or batteries Motorized devices (cars, boats) Items for commercial or professional use Physical damage (unless covered by original warranty)

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