Compare Citi credit card travel insurance

Card options are limited but can be a solid choice for the right traveler.

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Citi offers fewer credit cards with travel insurance than some of its competitors. However, at least one card stands out as a strong choice for American Airlines frequent flyers.

Compare Citi credit cards with travel insurance

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.
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.
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
70,000 miles after spending $4,000 in first 4 months
2x miles on American Airlines, gas and select business categories and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening.
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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.

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.
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Which Citi credit cards offer travel insurance?

Just a few 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 transparent-green-tick transparent-green-tick cross-icons
Costco Anywhere Visa® Business Card transparent-green-tick transparent-green-tick cross-icons
Citi Prestige® Credit Card cross-icons cross-icons cross-icons
Citi Premier℠ Card cross-icons cross-icons cross-icons
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® cross-icons cross-icons cross-icons
Citi® Double Cash Card cross-icons cross-icons cross-icons

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

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.

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Compare cards with emergency travel assistance

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

Insurance Coverage

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.
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Bottom line

Citi offers solid travel protections on the few cards it offers with travel insurance, and the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® makes for a great addition to the wallets of American Airlines customers. If you don’t often fly with American Airlines or shop at Costco however, you might want to compare your options to find a travel insurance credit card with broader rewards.

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