Does the Bilt Obsidian Card cover it?
Bilt lists 4 of 7 with terms: trip cancellation (up to $2,000 per trip), trip delay (more than 6 hours, up to $300 per trip), lost or damaged bags (up to $1,500 per incident) and rental car damage (secondary; primary if you have no other cover that applies). Not included, per Bilt: baggage delay. Not listed on the sources we checked: travel accident and emergency evacuation & medical. No medical-expense cover is listed.
What the issuer lists
Trip cancellation & interruption Listed with terms
Trip Cancellation and Interruption: up to $2,000 per covered trip and $5,000 per account per 12 consecutive months, for nonrefundable amounts paid to a common carrier. The full cost of the trip must be charged to the card, or to the card combined with its points or frequent-flyer certificates, vouchers or discounts. Secondary.
Trip delay Listed with terms
Trip Delay: delayed more than 6 hours, up to $300 per trip, 1 claim per 12 months. The whole trip must be bought with the card; if certificates, vouchers, coupons or frequent-flyer discounts pay for part of it, the rest must be charged to the card. Secondary.
Baggage delay Not included
Bilt's comparison table: "Not included".
Lost or damaged baggage Listed with terms
Lost or Damaged Luggage: up to $1,500 per incident to repair or replace checked or carry-on bags and their contents, 2 claims per 12 months. The entire common-carrier ticket must be paid with the card and/or its points. Secondary.
Rental car collision damage (CDW) Listed with terms
MasterRental: secondary to your own auto insurance; treated as primary if you have no other insurance or your insurance doesn't cover you outside the U.S. Pay for the entire rental with the card (or its points) and decline the rental company's CDW. Rentals of up to 31 consecutive days. Excludes trucks, pickups, full-size vans mounted on truck chassis, cargo vans, campers, off-road vehicles, motorbikes, motorcycles, antique vehicles and limousines.
Travel accident insurance Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Emergency evacuation & medical Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Before you rely on this: benefits only apply when you pay the way the terms require (often the full fare or rental on the card), they have exclusions, claim deadlines and documentation rules, and they can change. Your card’s Guide to Benefits is the final word. Not insurance advice.
What this card doesn’t list
Protections the Bilt Obsidian Card sources we checked say are not included, or don’t mention. Not listed doesn’t mean not covered: check your Guide to Benefits. A standalone travel insurance policy is one way people fill gaps like these; whether that is worth it depends on your trip.
- Baggage delay: the issuer says it is not included.
- Travel accident insurance: not listed on the issuer source we checked.
- Emergency evacuation & medical: not listed on the issuer source we checked.
- Medical treatment costs abroad: no medical-expense coverage is listed for this card.
- Cancel for any reason: not listed for this card (it is not listed for any card we checked).
- Trips that cost more than the card’s limit, or costs not paid with the card, sit outside the trip-cancellation cap above.
Quick answers
Does the Bilt Obsidian Card cover trip delay?
Bilt lists trip delay for this card. Trip Delay: delayed more than 6 hours, up to $300 per trip, 1 claim per 12 months. The whole trip must be bought with the card; if certificates, vouchers, coupons or frequent-flyer discounts pay for part of it, the rest must be charged to the card. Secondary. Check your Guide to Benefits.
Does the Bilt Obsidian Card cover trip cancellation?
Bilt lists trip cancellation for this card. Trip Cancellation and Interruption: up to $2,000 per covered trip and $5,000 per account per 12 consecutive months, for nonrefundable amounts paid to a common carrier. The full cost of the trip must be charged to the card, or to the card combined with its points or frequent-flyer certificates, vouchers or discounts. Secondary. Check your Guide to Benefits.
Is the Bilt Obsidian Card’s rental car coverage primary?
The Bilt source describes it as secondary (primary if you have no other cover that applies). MasterRental: secondary to your own auto insurance; treated as primary if you have no other insurance or your insurance doesn't cover you outside the U.S. Pay for the entire rental with the card (or its points) and decline the rental company's CDW. Rentals of up to 31 consecutive days. Excludes trucks, pickups, full-size vans mounted on truck chassis, cargo vans, campers, off-road vehicles, motorbikes, motorcycles, antique vehicles and limousines. Check your Guide to Benefits.
Does the Bilt Obsidian Card cover medical costs abroad?
No medical-expense or evacuation coverage is listed on the Bilt sources we checked for this card. Not listed doesn’t mean not covered. Check your Guide to Benefits.
Do I have to pay with the Bilt Obsidian Card?
The sources we checked tie these protections to how you pay. Trip cancellation & interruption: Trip Cancellation and Interruption: up to $2,000 per covered trip and $5,000 per account per 12 consecutive months, for nonrefundable amounts paid to a common carrier. Trip delay: The whole trip must be bought with the card; if certificates, vouchers, coupons or frequent-flyer discounts pay for part of it, the rest must be charged to the card. Lost or damaged baggage: The entire common-carrier ticket must be paid with the card and/or its points. Rental car collision damage (CDW): Pay for the entire rental with the card (or its points) and decline the rental company's CDW. Check your Guide to Benefits.
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