Compare Citi credit card travel insurance

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

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

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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.	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.	View details	Compare	loading Fetching your data...
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.	View details	Compare	loading Fetching your data...

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What types of travel insurance are available?

Depending on the Citi card you choose, 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.

• Trip cancellation and interruption insurance.
  Provides up to $3,000 per covered person if your trip is interrupted, canceled, or extended for an eligible reason.

• 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.

Which Citi credit cards offer travel insurance?

There are just three Citi credit cards that provide travel insurance options. You can see which policies are available for each card in the table below:

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.

• Trip cancellation and interruption insurance

Citi’s trip cancellation insurance includes the cardholder, their immediate family and any traveling companions accompanying them on the trip. For eligibility, you must pay for at least a portion of your fare using your Citi credit card.

Compare cards with emergency travel 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.

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.

Frequently asked questions

• What's covered under Citi travel interruption insurance?

  Citi’s interruption insurance covers a variety of potential causes of interruption, including injury or illness, death, inclement weather, an emergency at home, and being called into active military duty. Full coverage details are available on your Citi benefits guide.

• 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.