Marriott Bonvoy Travel Insurance Review — Is It Worth It?

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.

What Is Marriott Bonvoy Travel Insurance?

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.

What’s Covered

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.

Sample Coverage for a Paid International Stay

The sample policy above was offered at checkout for an international paid hotel stay. Here is a breakdown of the coverages offered.

Trip Cancellation

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.

Trip Interruption

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.

Emergency Medical and Dental Coverage

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.

Emergency Transportation

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.

Personal Belongings Insurance

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.

Concierge Services

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.

24-Hour Assistance

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.

Pre-existing Medical Condition Exclusion Waiver

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 Coverage

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.

Bottom Line: Key travel insurance coverages such as trip cancellation and trip interruption are offered with Marriott Bonvoy Travel Insurance for paid international hotel stays. Limits for these coverages are tied to the purchase price of the entire hotel stay. You’ll also find medical/dental coverage and emergency medical transportation coverage and personal belongings insurance. 

Sample Coverage for an International Points Stay

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.

Sample Coverage for a Domestic Points Stay

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.

Sample Coverage for a Domestic Paid Stay

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.

Bottom Line: The policy plan, the premium, types of coverage, and limits of coverage you receive on offer at checkout will depend on several factors. These include the total cost of your hotel stay, your state of residence, whether the property is international or domestic, and whether it’s a paid stay or covered with Marriott Bonvoy Rewards points. 

How To Purchase Marriott Bonvoy Travel Insurance

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.

Bottom Line: You can purchase Marriott Bonvoy Travel Insurance during checkout when booking a stay at a Marriott property online. The cost of the insurance is added to the total cost of your hotel stay. 

How Marriott Bonvoy Travel Insurance Compares

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:

Comprehensive Single-trip Travel Insurance Policy

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.

An Annual Multi-trip Travel Insurance Policy

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.

Credit Card Travel Insurance

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:

• Trip cancellation, trip interruption, and trip delay insurance
• Car rental insurance
• Baggage insurance
• Roadside dispatch (for a fee)
• Travel accident insurance

Premium travel credit cards may offer this additional protection:

• Emergency evacuation
• Limited emergency medical/dental coverage
• Premium roadside assistance
• Cell phone protection

Here are some of the best credit cards for travel insurance:

Chase Sapphire Preferred^® Card

BEST OVERALL CARD

Chase Sapphire Preferred^® Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards^®.

60,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$95

APR

21.49%-28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

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.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Card Highlights

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Financial Snapshot

• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees: None

Card Categories

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• Credit Cards
• Travel Rewards Credit Cards
• Best Sign Up Bonuses

Rewards Center

Chase Ultimate Rewards

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Travel insurance that comes with the Chase Sapphire Preferred card includes the following:

• Primary car rental insurance
• Trip cancellation, trip interruption, and trip delay insurance
• Lost and delayed baggage
• Travel accident insurance
• Roadside dispatch
• Travel and emergency assistance services

Chase Sapphire Reserve^®

Chase Sapphire Reserve^®

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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.

Learn More(at Chase's secure site)

Chase Sapphire Reserve^®

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.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel.

60,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$550

APR

22.49%-29.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-850)

Why We Like This Card

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!

Pros & Cons

Pros

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• 5x points on airfare booked through Chase Travel^SM
• 3x points on all other travel and dining purchases; 1x point on all other purchases
• $300 annual travel credit
• Priority Pass airport lounge access
• TSA PreCheck, Global Entry, or NEXUS credit
• Access to Chase Luxury Hotel and Resort Collection
• Rental car elite status with National and Avis

Cons

• $550 annual fee
• Does not offer any sort of hotel elite status

Card Highlights

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck^®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• Member FDIC

Financial Snapshot

• APR: 22.49%-29.49% Variable
• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Credit Cards
• Travel Rewards Credit Cards
• Best Sign Up Bonuses

Rewards Center

Chase Ultimate Rewards

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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 Platinum Card^® from American Express

BEST LOUNGE ACCESS

Terms Apply / Rates & Fees

The Platinum Card^® from American Express

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

The Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

Earn 80,000 Membership Rewards^® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.

80,000 points

UP's Bonus Valuation*:

$1,760

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

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.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
• TSA PreCheck or Global Entry credit
• Access to American Express Fine Hotels and Resorts
• Access to Amex International Airline Program
• No foreign transaction fees (rates and fees)

Cons

• $695 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

Card Highlights

• Earn 80,000 Membership Rewards^® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card^®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards^® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards^® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card^® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card^®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card^®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card^®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR^® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card^®. Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck^® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card^®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card^®. That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card^®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card^® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

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• Best Sign Up Bonuses

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American Express Membership Rewards

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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.

Capital One Venture X Rewards Credit Card

Terms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Learn More(at Capital One's secure site)

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Bonus Valuation*:

$1,350

Annual Fee

$395

APR

19.99% - 29.99% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-840)

Why We Like This 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.

 

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights purchased through Capital One Travel
• 2x miles per $1 on all other purchases
• $300 annual travel credit on bookings made through Capital One Travel
• Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• 10,000 bonus miles awarded on your account anniversary each year
• Global Entry or TSA PreCheck credit
• Add authorized users for no additional annual fee (rates & fees)
• No foreign transaction fees (rates & fees)

 

Cons

• $395 annual fee (rates & fees)
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

 

Card Highlights

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
• Receive up to a $100 credit for Global Entry or TSA PreCheck^®

Financial Snapshot

• APR: 19.99% - 29.99% (Variable)
• Foreign Transaction Fees: None

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Capital One Miles

 

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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.

Bottom Line: Before you purchase Marriott Bonvoy Travel Insurance, you’ll want to check your credit cards for possible coverage. However, credit cards do not include any major medical coverage, so if you need this coverage, purchasing Marriott Bonvoy Travel Insurance or additional travel insurance would be necessary. 

Everything Else You Need To Know

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.

You can file a claim online, by calling 800-334-7525, or by emailing claimsinquiry@allianzassistance.com.

Final Thoughts

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.