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.
What does this insurance policy guide cover?
Compare Citi credit cards with travel insurance
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 for eligibility.
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 as soon as possible using the number 866-918-4670. Generally, you’ll need to report your loss within 60 days of the event.
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.
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.
Compare credit cards with travel insurance
Frequently asked questions
|Card||Worldwide travel accident insurance||Worldwide car rental insurance||Trip cancellation & interruption insurance|
|CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®||Yes||Yes||No|
|Costco Anywhere Visa® Card by Citi||Yes||Yes||Yes|
|Costco Anywhere Visa® Business Card||Yes||Yes||No|