Edited by: Nick Ellis
& Stella Shon
Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.
We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.
We’ve all become more aware of the need for purchasing travel insurance over the past few years. Even if you haven’t actually purchased coverage, chances are you’ve checked out the cost of adding it to your flight, hotel, cruise, or your entire trip.
Perhaps you’ve also noticed the increased availability of travel insurance including more opportunities for purchasing Cancel for Any Reason Insurance and expanded coverage for COVID-19 events. We’ve also seen companies introduce new product offerings such as American Express adding its own version of Cancel for Any Reason Insurance.
Today we’re going to cover another option available for protecting your trip investment: Marriott Bonvoy Travel Insurance.
Available to customers booking a Marriott hotel stay, the insurance covers you and your traveling companions who will be staying with you.
While the option is certainly a convenient one, we’re here today to determine if purchasing Marriott Bonvoy Travel Insurance is actually worth it.
Stay with us to find out.
Marriott Bonvoy Travel Insurance is an insurance policy available to customers when booking a Marriott Bonvoy hotel stay.
The policy is underwritten by Allianz, a highly-rated and established travel insurance company. The company is known for partnering with a variety of travel providers, including online travel agencies (OTAs), cruise lines, tour operators, and airlines to provide trip insurance options. You may have seen Allianz coverage offered at checkout during one of your previous travel purchases. It’s a natural extension to add Marriott Bonvoy to the company’s list of partnerships.
Let’s look closer at the coverages being offered, how you can purchase a plan, and some of the alternatives to consider.
The policy offered at checkout is a basic travel insurance plan providing coverage for trip cancellation, trip interruption, emergency medical/dental, and emergency transportation. The plan also offers personal belongings insurance plus concierge and trip assistance services.
Coverage limits will depend on your state of residence, where the hotel is located, and the cost of your stay. The types of coverage you receive will also depend on whether you’re using Marriott Bonvoy points to cover your stay or if it’s a paid stay.
Let’s look at a few policy examples and the types of coverage you can expect.
The sample policy above was offered at checkout for an international paid hotel stay. Here is a breakdown of the coverages offered.
Non-refundable trip expenses — such as your hotel costs, transportation (including flights), and activities — are included, but coverage is limited to 100% of the amount of your purchase from Marriott Bonvoy. Allianz defines trip cost as “the price for travel expenses you are booking on our partner’s website at the time you purchase insurance.”
This means that if your hotel stay purchase is $2,000, you will have up to 100%, or $2,000, for trip cancellation coverage.
Covered events that can qualify for trip cancellation include your illness or that of other guests who would be staying in the same room.
If your trip is disrupted for a covered reason, you could receive up to 150% of the amount of your Marriott hotel stay purchase price for trip interruption insurance.
Examples of events that can be covered for trip interruption include severe weather, illness, or flight cancellations and delays.
Receive reimbursement for the cost of emergency medical treatment up to the policy limit of $50,000. Emergency dental coverage is limited to a sub-limit of $500.
If you should need emergency transportation due to a covered medical or dental emergency, you could receive reimbursement up to the policy limit of $50,000.
You or your traveling companions could receive up to $250 for personal belongings that are lost, stolen, or damaged during your trip. Coverage limits vary by policy offering.
An example of a covered loss would be if your wallet or baggage was stolen.
Enjoy travel assistance services before and during your trip. Services can include restaurant reservations, securing tickets to special events, arranging golf tee times, and more.
Receive 24/7 assistance anywhere in the world. Services include help getting emergency cash, arranging translation services, medical/dental/legal referrals, medical transport, and more.
The pre-existing medical waiver is included in the plan if you purchase the policy within 14 days of your first trip deposit. You must also be medically able to travel at the time you purchased the insurance and a U.S. resident at the time of policy purchase.
COVID-19 is covered like other illnesses when you are diagnosed by a doctor or receive a positive test result from a third party. Coverage for COVID-19 is provided under trip cancellation, trip interruption, and emergency medical/transportation.
When booking a Marriott stay with Marriott Bonvoy Rewards points, the type of policy you’re offered at checkout may differ. The good news is that there may be additional coverage and the premium will be much lower.
This policy is for a 3-night stay costing 112,000 Marriott Bonvoy Rewards points. The premium for this policy was $20. This appears to be a great value when you consider you’re receiving $50,000 of international emergency medical and associated transportation coverage.
While there is no trip cancellation coverage included, there is the addition of trip delay coverage and baggage insurance.
As you can see, available coverages and travel insurance premiums vary depending on the hotel location and whether it’s a paid stay or a reward stay. The premium for this stay, purchased with 41,000 Marriott Bonvoy points, was $10.
You’ll notice that missed activity coverage is added to this domestic stay’s Marriott Bonvoy Travel Insurance plan. This coverage provides for reimbursement should a scheduled activity need to be canceled due to a covered reason.
You’ll also notice the absence of any medical coverage and the increased personal belongings coverage.
When we look at the Marriott Bonvoy Travel Insurance policy offered at checkout while booking a domestic paid stay, we find that emergency medical/dental, and associated transport is once again included. The coverage limits are also much lower than the policy offered for international bookings.
The total premium to purchase this policy with a $644 stay was $43.
This is just an overview of the coverage offered by Marriott Bonvoy Travel Insurance. You’ll be able to access the actual policy documents with full coverage descriptions and terms/conditions before you actually purchase the policy.
When booking a Marriott Bonvoy stay either at Marriott.com or via the Marriott Bonvoy iOS app, you’ll have the opportunity at checkout to purchase coverage. The coverage will be available via the Android app at a later date.
The cost of the insurance will be added to your hotel stay purchase. Your credit card statement will show 2 charges: 1 from Marriott and 1 from Allianz.
I priced out an international hotel stay that came to $1,192, including taxes/fees. The premium for the associated insurance coverage was $80.90.
When changing my booking for a stay that totaled $492, the premium for the travel insurance came to $33.41.
If you decide you do not want to purchase a policy while booking, you can still visit the Marriott Bonvoy Travel Insurance/Allianz site to purchase a plan before your trip.
Although purchasing Marriott Bonvoy Travel Insurance at checkout may be a convenient option, there are other considerations.
Here are some viable alternatives to Marriott Bonvoy Travel Insurance:
Because of all the variables involved, single-trip travel insurance plan costs can vary widely. We used the travel insurance comparison site SquareMouth to price out a single-trip policy with similar coverages to the Marriott Bonvoy Travel Insurance plan offered with an international paid hotel stay:
Single-trip plans covering the hotel stay costing $1,200 ranged from $30 to $117, depending on the company. Prices will vary based on your state of residence, the age of the travelers, and the desired coverage. However, it’s entirely possible to duplicate or find a better plan for the same or less cost than the Marriott Bonvoy Travel Insurance.
If you’re going to purchase a single-trip travel insurance policy, you may want to select more coverage than simply lodging costs. We used the lodging cost to receive quotes for comparison purposes only.
Purchasing a basic annual travel insurance policy covering all the trips you’ll take in a 12-month period can cost less than a few hundred dollars. You’ll also find that coverages can compare favorably with the Marriott Bonvoy Travel Insurance plan.
Pictured above is an annual AIG Travel Guard policy with a total premium of $259. As you can see, coverage is similar to the Marriott Bonvoy plan, and in some cases, it’s better. And, the pricing is the same whether you’re age 40 or age 70.
Allianz offers its own annual multi-trip plan for $280 per traveler with similar coverage to the Marriott Bonvoy plan. If you take just a few trips each year, it can pay for you to have a multi-trip annual plan.
Coverage limits are stated per policy year, so you should purchase greater coverage in order to cover multiple expensive trips.
The travel insurance that comes with your credit card is not meant to replace a comprehensive travel insurance policy. Marriott Bonvoy Travel Insurance has coverage that is broader than what comes on your credit card, largely because the Marriott Bonvoy plan contains high-limit medical coverage which is not found on credit cards.
Additionally, the Marriott Bonvoy coverage is primary coverage. The travel insurance that comes on your credit card can be secondary, which means that you must first file a claim with any other insurance that applies before card coverage kicks in.
With that said, the travel insurance that comes with your credit card certainly has value. If you’re simply purchasing a flight, a hotel room, or even an inexpensive weekend getaway when a large investment is not at stake, credit card travel insurance may be enough.
You’ll find several common types of travel insurance on your credit cards, including the following:
Premium travel credit cards may offer this additional protection:
Here are some of the best credit cards for travel insurance:
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.
The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!
The Chase Sapphire Reserve card comes with all the same travel insurance benefits as the Chase Sapphire Preferred card. Additionally, the card offers emergency evacuation, limited emergency medical/dental coverage, and premium complimentary roadside assistance.
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.
Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
The Amex Platinum card comes with similar types of travel insurance as the Chase Sapphire Reserve card, such as access to Premium Global Assist Hotline. An exception to this is that the Amex Platinum card offers secondary car rental insurance. You will have the option to purchase Premium Protection for 1 low price that covers the entire rental period.
The card also comes with cell phone protection. However, the card does not offer any limited medical or dental coverage.
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.
Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.
Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.
The Capital One Venture X card also comes with great travel insurance benefits, including auto rental collision damage waiver, trip cancellation and interruption insurance. Plus, the card offers cell phone protection.
The previous information is an overview of travel insurance benefits and is highly abbreviated. We’ve also not included any terms and conditions or limits on coverages. You’ll want to access the card’s Guide to Benefits for the actual coverage descriptions, limits, and terms/conditions.
To learn more about the best credit cards for travel insurance and protection, including both personal and business credit cards, our article goes into great detail.
Marriott Bonvoy plans cover friends, family, and anyone staying in your room. Allianz states that your traveling companions also do not need to be listed on the reservation to be covered. The maximum number of covered persons is limited to the number of published maximum occupants of the room.
If the price of your lodging should increase after you purchase Marriott Bonvoy Travel Insurance, you can purchase additional coverage by logging in to the Allianz site. An example would be if you added an additional hotel night to your reservation.
You will have 15 days after the receipt of your policy (longer in some states) to review the policy. Within this period, and if you have not yet started your trip, you may request a full refund if you are unsatisfied with the policy.
Marriott Bonvoy Travel Insurance plans are available to U.S. residents only.
The policy begins once Allianz has received your order and payment. The beginning date will also be listed on the policy documents.
Although convenient to purchase, the Marriott Bonvoy Travel Insurance may be a bit pricey for international paid hotel stays. You could already have some of the same coverage on your credit card or be able to purchase a single-trip travel insurance policy for less. Also, if you have additional trips planned, a multi-trip annual plan may make more economic sense.
With multiple international reservations, you would also need to purchase coverage on each reservation. In this case, a travel insurance policy could be a better option to cover your entire trip.
One sweet spot for Marriott Bonvoy Travel Insurance is the value proposition for stays paid for with Marriott Bonvoy points. For a range of $7 to $20 in our sample findings, there appears to be a good value in relation to the coverage offered. On stays purchased with points, it can make sense to consider the options you’re presented with at checkout.
With international paid stays, it’s not the worst idea to quickly grab $50,000 worth of emergency medical coverage at checkout. Having peace of mind if your health insurance doesn’t cover you if you’re traveling abroad can add value.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
For the baggage insurance plan benefit of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the car rental loss and damage insurance benefit of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
For the cell phone protection benefit of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
For the premium global assist hotline benefit of The Platinum Card® from American Express, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, card members may be responsible for the costs charged by third-party service providers.
For the trip cancellation and interruption insurance benefit of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
For the trip delay insurance benefit of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
For rates and fees of The Platinum Card® from American Express, click here.
It can be. Marriott Bonvoy Travel Insurance is a convenient option when booking a hotel stay at a Marriott property. If you do not have medical coverage that will cover you while abroad, purchasing the coverage at checkout may be worth securing $50,000 in immediate coverage.
For hotel stays paid for with Marriott Bonvoy Rewards points, you may find good value in relation to the coverage offered.
If you don’t need medical coverage, you may even be able to rely on a refundable hotel booking and travel insurance coverage on your credit card.
Marriott Bonvoy Travel Insurance covers COVID-19 like any other illness. With proper documentation, you’ll have coverage for COVID-19 illnesses under trip cancellation, trip interruption, and emergency medical coverage with Marriott Bonvoy Travel Insurance.
Marriott Bonvoy Travel Insurance coverage varies by the type of policy offered at checkout.
A typical policy for international paid stays comes with trip cancellation insurance for up to 100% of the cost of your hotel stay and trip interruption insurance for up to 150% of the cost of your hotel stay.
The policy also covers emergency medical/dental and associated transportation, up to $50,000 for each coverage, and personal belongings insurance of up to $250.
You can purchase Marriott Bonvoy Travel Insurance when checking out while booking a Marriott hotel stay. The option is available online and via the iOS app when paying for your reservation. Android functionality will be available at a later date.
Was this page helpful?
UP's Bonus Valuation
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.