Marriott Bonvoy Brilliant® American Express® Card

🇺🇸 Marriott Bonvoy Brilliant® American Express® Card

Annual Fee: $650

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

Conditions

Exclusions

Conditions

Exclusions

Conditions

  • Must charge full amount of Covered Trip to Eligible Card
  • Trip must be round-trip and not exceed 365 days
  • Must notify Travel Supplier immediately upon medical advice to cancel
  • Coverage is secondary to other insurance or Travel Supplier benefits

Exclusions

  • × Pre-Existing Conditions
  • × Suicide, attempted suicide, or intentionally self-inflicted injury
  • × Declared or undeclared war
  • × Mental or emotional disorders (unless hospitalized)
  • × Participation in sporting activity for salary or prize money
  • × Intoxication or use of narcotics not prescribed
  • × Commission of illegal or criminal acts
  • × Financial insolvency of travel supplier

Conditions

  • Must charge full amount of Covered Trip to Eligible Card
  • Reimburses nonrefundable prepaid land, air, and sea arrangements
  • Reimburses additional transportation to rejoin trip or return home
  • Coverage is secondary to other insurance

Exclusions

  • × Pre-Existing Conditions
  • × Suicide or self-inflicted injury
  • × War
  • × Mental disorders unless hospitalized
  • × Professional sports participation
  • × Intoxication or illegal drugs
  • × Illegal acts
  • × One-way travel without return destination

Conditions

  • Full amount of the Covered Trip must be charged to the Eligible Card
  • Trip must be round-trip travel to a destination other than city of residence
  • Period of travel must not exceed 365 days
  • Must be traveling on a Common Carrier
  • Delay must be caused by a Covered Loss

Exclusions

  • × Covered Losses made public or known prior to departure
  • × Expenses paid prior to the Covered Trip
  • × Loss due to intentional acts
  • × Expenses not authorized/reimbursable by employer if using commercial card
  • × Expenses covered by Common Carrier (goodwill, vouchers, etc.)

Conditions

Exclusions

Conditions

  • Must pay for Entire Fare with Eligible Card
  • Trip cannot exceed 365 consecutive days
  • Coverage applies to carry-on and checked baggage
  • Must file report with Common Carrier
  • Coverage is secondary to Common Carrier reimbursement

Exclusions

  • × Credit cards, travel documents, passports, visas
  • × Securities, tickets, cash, negotiable instruments
  • × Living plants and animals
  • × Food, consumable, and perishable items
  • × Eyeglasses, sunglasses, contact lenses
  • × Hearing aids, prosthetic devices
  • × Property shipped as freight

Conditions

  • Must reserve and pay for Entire Rental with Eligible Card
  • Must decline Rental Company's collision damage waiver (CDW)
  • Eligible Renter must sign Rental Agreement
  • Coverage is worldwide except excluded countries
  • Includes coverage for Accidental Death or Dismemberment and Personal Property

Exclusions

  • × Vehicles rented in Australia, Italy, New Zealand
  • × Violation of Rental Agreement
  • × Intoxication or drug use
  • × Off-road operation
  • × Unlocked vehicles (theft)
  • × Tire damage (flat/blowout) unless by fire/vandalism

Conditions

  • Must charge monthly cellular bill to Eligible Card
  • Coverage starts first day of month following payment
  • Limit 2 claims per 12-month period
  • Screen cracks are covered
  • Coverage is excess of other insurance

Exclusions

  • × Accessories (except standard battery/antenna)
  • × Phones for resale or commercial use
  • × Lost or Mysterious Disappearance
  • × Phones under care of common carrier
  • × Rented, leased, or pre-paid plan phones
  • × Cosmetic damage

Conditions

  • Must be a Covered Purchase charged to Eligible Card
  • Coverage is secondary to other insurance
  • Covers damage, loss, or theft
  • Natural Disaster limited to $500 per event

Exclusions

  • × War or acts of war
  • × Items not reasonably safeguarded (e.g., unlocked vehicle)
  • × Animals or living plants
  • × Consumables (food, perfume, batteries)
  • × Gift cards, cash, tickets
  • × Items for resale or commercial use
  • × Motorized devices and parts
  • × Theft from baggage not under control of beneficiary

Conditions

  • Item must have original manufacturer warranty of 5 years or less
  • Matches the duration of original warranty up to 1 year
  • Must charge purchase to Eligible Card
  • Covers valid warranties in US and territories

Exclusions

  • × Animals or living plants
  • × Consumables (food, batteries)
  • × Motorized devices and parts
  • × Items for resale or commercial use
  • × Physical damage (unless covered by original warranty)
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