Marriott Bonvoy® Business American Express®* Card

Marriott Bonvoy® Business American Express®* Card

Annual Fee: $150

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	Injury must occur while riding as a passenger in a Common Carrier Full fare must be charged to the card Loss must occur within 100 days of the accident Includes exposure and disappearance (52 weeks)	Suicide or self-inflicted injury War or acts of war Commission of a criminal offense Serving as operator or crew member Alcohol or drug use not prescribed by physician
trip cancellation	❌ No	—	—	—
trip interruption	❌ No	—	—	—
trip delay Start Claim	✅ Yes	$500	Full fare must be charged to the card Delay must be 4 hours or more Includes missed connections due to incoming flight delay Includes denied boarding due to overbooking No alternative transportation made available within 4 hours	Alternate travel arrangements (except local taxi/rideshare) Illegal activity or fraud War or acts of war Terrorism Tickets purchased with points from other reward programs
lost baggage Start Claim	✅ Yes	$500	Full fare must be charged to the card Baggage must be checked-in or carry-on with a scheduled airline Coverage is excess to other insurance Loss must occur while in transit	Contact lenses, eyeglasses, sunglasses Artificial teeth and limbs Cameras and recording equipment Electronics (laptops, cell phones, MP3 players) Cash, securities, and tickets Illegal activity War or acts of war Confiscation by government authorities Animals and furs
delayed baggage Start Claim	✅ Yes	$500	Baggage not delivered within 6 hours of arrival Purchases must be made within 4 days of arrival Items purchased must be essential clothing and sundry items Full fare must be charged to the card	Delay occurring on a return flight to place of residence Illegal activity War or acts of war Terrorism Failure of device to read date/time data
rental car Start Claim	✅ Yes	Actual Cash Value	Must decline the rental agency's CDW/LDW Full cost of rental must be charged to the card Coverage period must not exceed 48 consecutive days Only one rental vehicle covered at a time	Third party liability Personal injury Intoxication or drug use Off-road operation Vehicles with MSRP over $85,000 Trucks, pick-up trucks, cargo vans Motorcycles, mopeds Trailers, campers, RVs Antique vehicles Exotic or handmade vehicles
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 Covers direct physical damage or theft Coverage is excess to other insurance Valid worldwide	Wear and tear Theft from motor vehicles Mysterious disappearance Consumable or perishable goods Animals or living plants Jewelry/watches in baggage unless hand-carried Motorized vehicles and accessories Inventory or items for resale Illegal acts
extended warranty Start Claim	✅ Yes	$10,000	Original manufacturer's warranty must be 5 years or less Full purchase price must be charged to the card Valid in Canada or the United States Manufacturer's warranty must be valid	Used, rebuilt, or refurbished items Motorized vehicles (except children's electric vehicles) Items for business or commercial use (fixtures) Consumables and perishables Animals or living plants Jewelry Sports equipment damaged by use

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