Marriott Bonvoy® American Express®* Card

Canadian Flag Marriott Bonvoy® American Express®* Card

Annual Fee: $120

Issuer: American Express

Policy Version: July 2025

Last Updated: 2026-02-08

Policy Information

Claims Contact

  • website: https://info.submitclaims.client.insure
  • phone domestic: 1-800-243-0198
  • phone international: +905-475-4822

Global Limits

  • who is covered: Cardmember, Spouse, Dependent Children

Coverage Summary

Coverage Area Covered? Limit Conditions Exclusions
emergency medical
❌ No
—
 — —
travel accident Start Claim
✅ Yes
$500,000
  • Loss must occur within 100 days of the accident.
  • Trip fare must be charged to the American Express Card.
  • Covers accidental loss of life, limb, or sight.
  • Injury must occur while riding, boarding, or alighting from a common carrier.
  • Suicide or intentionally self-inflicted injury.
  • War or acts of war.
  • Committing a criminal offense.
  • Operating or serving as a crew member of a conveyance.
  • Injuries sustained in a rental vehicle.
trip cancellation
❌ No
—
 — —
trip interruption
❌ No
—
 — —
trip delay Start Claim
✅ Yes
$500
  • Coverage applies if your flight is delayed by 4 hours or more.
  • You must have charged the full cost of the ticket to your card.
  • Coverage also applies if you are denied boarding due to overbooking.
  • The airline must fail to provide alternative transportation within 4 hours.
  • Benefits cover reasonable living expenses and sundry items.
  • Delays caused by illegal activity or fraud.
  • War, hostilities, or acts of foreign enemies.
  • Terrorism acts.
  • Tickets purchased with reward points other than the Card reward program.
  • Failure of a device to read date/time data.
lost baggage Start Claim
✅ Yes
$500
  • You must charge the full fare of the airline ticket to the card.
  • Coverage applies to baggage checked with a scheduled or charter airline.
  • Also covers carry-on baggage while you are boarding or on the aircraft.
  • Coverage ends when you retrieve your checked baggage or leave the aircraft.
  • Electronics including laptops, iPods, MP3 players, and cell phones.
  • Cameras and camera equipment.
  • Contact lenses, eyeglasses, and sunglasses.
  • Cash, securities, tickets, and documents.
  • Perishable items, animals, and furs.
  • Sporting equipment (except golf clubs, skis, and racquets).
delayed baggage Start Claim
✅ Yes
$500
  • Baggage must be delayed for at least 6 hours at the outbound destination.
  • Purchases for essential clothing and sundries must be made within 4 days.
  • The full fare of the ticket must be charged to the card.
  • Coverage includes emergency purchases of essential clothing and sundries.
  • Delays occurring on a return flight to your place of residence.
  • Illegal activity or fraud.
  • War, hostilities, or military acts.
  • Tickets purchased with reward points other than the Card reward program.
rental car Start Claim
✅ Yes
Actual Cash Value
  • You must decline the rental agency's Collision Damage Waiver (CDW).
  • The full cost of the rental must be charged to the card.
  • Only one rental vehicle is covered at a time.
  • You must report the accident or theft to the insurer within 48 hours.
  • Trucks, pick-up trucks, and off-road vehicles.
  • Vans, cargo vans, or mini cargo vans (mini-vans are covered).
  • Antique vehicles (over 20 years old).
  • Vehicles with an MSRP over $85,000.
  • Driving while intoxicated or under the influence of drugs.
  • Third-party liability (damage to other cars or people).
cell phone protection
❌ No
—
 — —
purchase protection Start Claim
✅ Yes
$1,000
  • At least a portion of the purchase price must be charged to the Card.
  • Coverage protects against direct physical damage or theft.
  • Coverage is strictly excess to other insurance.
  • You must report the loss within 48 hours.
  • Wear and tear.
  • Theft from a motor vehicle.
  • Mysterious disappearance or lost items.
  • Consumable or perishable goods (food, perfume).
  • Animals or living plants.
  • Cash, gift cards, and traveler's cheques.
  • Used or refurbished items.
extended warranty Start Claim
✅ Yes
$10,000
  • Extends the original manufacturer's warranty by up to one year.
  • Original warranty must be valid in Canada or the US and be 5 years or less.
  • The entire purchase price must be charged to the Card.
  • Coverage allows for repair, replacement, or reimbursement.
  • Used, rebuilt, or refurbished items.
  • Motorized vehicles (cars, boats, scooters) and parts.
  • Items for commercial or business use.
  • Living plants and animals.
  • Consumables and perishables.
  • Jewelry.

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