🇺🇸 Hilton Honors American Express Aspire Card

Conditions

Exclusions

Conditions

Exclusions

Conditions

• • 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

Exclusions

• × 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

Conditions

• • 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

Exclusions

• × Pre-existing medical conditions
• × War or acts of war
• × Self-inflicted injuries or suicide
• × One-way travel without a return destination
• × Traveler incarceration

Conditions

• • 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

Exclusions

• × 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

Conditions

Exclusions

Conditions

• • 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

Exclusions

• × 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

Conditions

• • 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)

Exclusions

• × 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)

Conditions

• • 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

Exclusions

• × 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

Conditions

• • 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

Exclusions

• × 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

Conditions

• • 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

Exclusions

• × 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)