🇺🇸 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)