Marriott Bonvoy Travel Insurance Evaluation: Is It a Wise Investment?
In the realm of travel insurance, it's worth exploring the options beyond the Marriott Bonvoy Travel Insurance. Some credit card providers offer travel insurance plans that may be as affordable, or even cheaper, than the Marriott Bonvoy Travel Insurance.
For instance, the Chase Sapphire Preferred Card and the Chase Sapphire Reserve offer a comprehensive suite of travel insurance benefits. These include primary car rental insurance, trip cancellation, trip interruption, and trip delay insurance, lost and delayed baggage, travel accident insurance, roadside dispatch, and travel and emergency assistance services.
Similarly, the Capital One Venture X Rewards Credit Card offers auto rental collision damage waiver, trip cancellation and interruption insurance, and cell phone protection. The Amex Platinum card, on the other hand, provides secondary car rental insurance, access to Premium Global Assist Hotline, and cell phone protection, but it lacks any medical or dental coverage.
The Marriott Bonvoy Travel Insurance, underwritten by Allianz, a highly-rated and established travel insurance company, shares similar coverages. The policy offers coverage for trip cancellation, trip interruption, emergency medical/dental, emergency transportation, personal belongings insurance, concierge and trip assistance services. For a paid international stay, trip interruption coverage is up to 150% of the amount of the Marriott hotel stay purchase price.
It's important to note that the policy can be purchased before the trip by visiting the Marriott Bonvoy Travel Insurance/Allianz site, or during checkout when booking a stay at a Marriott property online. The cost of the insurance is added to the total cost of the hotel stay.
However, the cost of single-trip travel insurance plans for an international paid hotel stay with similar coverages to Marriott Bonvoy Travel Insurance can vary. Prices range from $30 to $117, depending on the company. An annual multi-trip travel insurance policy can also be a cost-effective option, often costing less than a few hundred dollars and offering coverages that compare favourably with the Marriott Bonvoy Travel Insurance plan.
It's advisable to check your credit cards for possible coverage before purchasing any travel insurance. While credit cards may offer benefits such as trip cancellation, trip interruption, and trip delay insurance, car rental insurance, baggage insurance, roadside dispatch, travel accident insurance, emergency evacuation, limited emergency medical/dental coverage, premium roadside assistance, and cell phone protection, they typically do not include any major medical coverage. If you need this coverage, purchasing Marriott Bonvoy Travel Insurance or additional travel insurance would be necessary.
Lastly, it's worth mentioning that coverage limits depend on the state of residence, where the hotel is located, and the cost of the stay. Additionally, emergency medical and dental coverage has a policy limit of $50,000, while emergency transportation has a policy limit of $50,000. Personal belongings insurance covers up to $250 for personal belongings that are lost, stolen, or damaged during the trip.
In conclusion, while the Marriott Bonvoy Travel Insurance offers a robust suite of travel insurance services, it's worth considering the travel insurance benefits offered by credit card providers, which may be more affordable and still provide comprehensive coverage for your travel needs.
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