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

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical	❌ No	—	—	—
travel accident	❌ No	—	—	—
trip cancellation Start Claim	✅ Yes	$10,000	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	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
trip interruption Start Claim	✅ Yes	$10,000	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	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
trip delay Start Claim	✅ Yes	$500	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	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.)
lost baggage Start Claim	✅ Yes	$3,000	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	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
delayed baggage	❌ No	—	—	—
rental car Start Claim	✅ Yes	$75,000	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	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
cell phone protection Start Claim	✅ Yes	$800 Ded: $50	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	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
purchase protection Start Claim	✅ Yes	$10,000	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	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
extended warranty Start Claim	✅ Yes	$10,000	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	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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