Citi travel insurance: Which credit cards have it?

Citi offers only two credit cards with travel insurance. These two cards are the personal Costco and business Costco cobranded cards. (Citi is a finder.com advertising partner.)

What types of travel insurance are available?

With a cobranded Costco card, you could be eligible for any of the following three travel coverage options:

• Worldwide car rental insurance.
  After an accident of theft, receive up to $50,000 in coverage toward the cost of repairs or the cash value of your rental car, whichever is less.
• Worldwide travel accident insurance.
  Should you or a covered person die or become injured during a trip, Citi provides up to $250,000 in compensation.
• Travel and Emergency Assistance.
  Get assistance and service referrals worldwide in case of an emergency. This includes emergency cash transfer from friends or family, information about visas and immunization for your destination country, referrals to local doctors and more.

Which Citi credit cards offer travel insurance?

Just two Citi credit cards now provide travel insurance. Here are a few of the provider’s cards and the policies they offer:

	Worldwide travel accident insurance	Worldwide car rental insurance	Trip cancellation & interruption insurance
Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Business Card
Citi Prestige® Credit Card
Citi Premier℠ Card
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
Citi® Double Cash Card

Cards from other providers that offer travel insurance

You may want to look elsewhere if you want travel protections. Keep in mind providers sometimes offer a different mix of protections than you might expect, so examine a card’s benefits closely if you’re looking for a certain perk. Here are a few cards that offer travel protections:

	Travel accident insurance	Car rental insurance	Trip cancellation & interruption insurance	Trip delay reimbursement
Chase Sapphire Preferred® Card
Chase Sapphire Reserve®
The Platinum Card® from American Express
IHG® Rewards Club Premier Credit Card
AAdvantage® Aviator® Red World Elite Mastercard®
Bank of America® Premium Rewards® credit card

	Baggage delay insurance	Lost luggage insurance
Chase Sapphire Preferred® Card
Chase Sapphire Reserve®
The Platinum Card® from American Express
IHG® Rewards Club Premier Credit Card
AAdvantage® Aviator® Red World Elite Mastercard®
Bank of America® Premium Rewards® credit card

Changes to Citi credit card travel insurance

Until late 2019, Citi offered a suite of travel insurance with many of its cards. But in September of the same year, the provider discontinued many of these benefits.

Whereas before you’d find protections like car rental insurance and trip cancellation insurance, these perks are now wiped out nearly across the board. If you’re set on Citi as your provider, your best bet to find at least one of these benefits is with the cobranded Costco cards.

Compare Citi credit cards with travel insurance

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Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Costco Anywhere Visa® Card by Citi		N/A	4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases	$0		Earn 4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases. All information about this card has been collected independently by Finder.	View details	Compare	loading Fetching your data...
Costco Anywhere Visa® Business Card		N/A	4% cash back on gas on up to $7,000 annually (then 1%), 4% on dining and travel, 2% at Costco and 1% on all other purchases	$0		Earn 4% cash back on gas on up to $7,000 annually (then 1%), 4% on dining and travel, 2% at Costco and 1% on all other purchases. All information about this card has been collected independently by Finder.	View details	Compare	loading Fetching your data...
CardMatch™ from creditcards.com		See terms	See terms	See terms		Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.	See offer View details	Compare	loading Fetching your data...

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Who is eligible for Citi travel insurance coverage?

There are a number of eligibility requirements you need to meet to claim your insurance. We’ve outlined the conditions for each of the three types of Citi travel insurance below.

• Worldwide travel accident insurance

All covered cardholders are eligible for Citi’s travel insurance. This includes the cardholder, their spouse or domestic partner and any children they can claim as dependents on their taxes. Additionally, you must purchase the entirety of your fare using your Citi credit card for insurance eligibility.

• Worldwide car rental insurance

The cardholder and any authorized driver designated on the rental car agreement are eligible for car rental coverage provided the cardholder pays for the entirety of the rental car with their Citi credit card. Additionally, you must decline the rental car company’s offered collision insurance to be eligible.

• Travel and emergency assistance

This service covers the cardholder, their family and traveling companions as long as their trip was paid with your Costco cobranded credit card. Other credit cards also offer travel emergency assistance.

How do I know when I’m covered and what I’m covered for?

Provided you meet the eligibility requirements of the travel insurance offered by your card, Citi covers you from the day you start your journey. The exact nature of your coverage depends on the type of insurance. You can find your full coverage details in your Citi guide to benefits.

How do I file a Citi travel insurance claim?

Here’s how to file an insurance claim with Citi:

• Call Citi. Report your loss to Citi within 60 days using the number 866-918-4670.

  After processing your call, Citi will send you a claims form along with a list of any required documentation. You can also visit www.cardbenefits.citi.com to download a claims form.

• Gather your documentation. Fill out your claim form and make copies of all requested documentation.
• Submit your documentation. You’ll need to submit your claims form and documentation within 180 days of the loss incident. From here, Citi will contact you with further details on the status of your claim.

Read more about credit card travel insurance offered by different brands

Bottom line

Citi offers solid travel protections on two of its Costco cobranded cards. But if you don’t often shop at Costco however, you might want to compare your options to find another travel insurance credit card.

Frequently asked questions

• What's covered under Citi travel accident insurance?

  Death and grievous injury during your trip, provided it is caused by an accident that occurs during boarding, exiting, or operation of the common carrier; exposure to the elements following a common carrier accident; or disappearance of the common carrier for more than 52 weeks.

• What type of car rental insurance does Citi provide?

  Citi’s car rental insurance is secondary. This means that your coverage will kick in only after your primary insurance makes the initial payments. If you’re looking for primary coverage, compare credit cards with rental insurance.

• What type of travel and emergency assistance does Citi provide?

  The Costco cobranded credit card provides the following assistance:

  • Access to emergency travel arrangements.
  • Emergency transfer of cash from family, friends or business account.
  • Information on travel requirements, like visas or immunizations.
  • Help locating lost or stolen luggage.
  • Information of global threats and risks in your travel destination.
  • Assistance with prescription replacements.

  • Referrals to local translators, doctors, dentists, hospitals and pharmacies.
  • Transportation arrangements to another medical facility if needed.
  • Travel arrangements for family or friends to be brought to your bedside.
  • Coordination with doctors or nurses in the United States to consult with local medical personnel about your condition.
  • Referrals to translator for legal services.

  Note: Any information or referral Citi provides to you is free, but if you use any of the services, you’ll have to pay for them.