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Citi travel insurance: Which credit cards have it?

Unfortunately, most Citi credit cards don't offer any travel coverage.

Updated

Fact checked

Our pick for Citi travel insurance: Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi logo

Up to 4%

Cash back

  • One of the most well-rounded cashback cards
  • 4% on gas on up to $7,000, then 1%
  • 3% on restaurants and travel
  • 2% at Costco
Apply now

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 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 Yes Yes Yes Yes
Chase Sapphire Reserve® Yes Yes cross-icons Yes
The Platinum Card® from American Express cross-icons Yes Yes Yes
IHG® Rewards Club Premier Credit Card Yes Yes Yes cross-icons
AAdvantage® Aviator® Red World Elite Mastercard® Yes Yes Yes cross-icons
Bank of America® Premium Rewards® Credit Card cross-icons Yes Yes Yes
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
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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.

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
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
CardMatch™ from creditcards.com
See terms
See terms
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
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.
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Compare up to 4 providers

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.

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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.
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Read more about credit card travel insurance offered by different brands

Barclays logoBarclaycard logo
Chase logo
Bank of America logoBank of America logo
Picture not described
Citibank logo
Picture not describedCapital One Logo
hsbc logo
Discover logoDiscover logo

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.

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