Citi credit card complimentary travel insurance

A Citi credit card with complimentary travel insurance offers you cover for overseas and interstate trips – here’s what you need to know.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Citi offers complimentary international travel insurance on Citi Rewards, Prestige, Premier and World Mastercard credit cards. It also offers other types of cover on different cards, including interstate flight inconvenience insurance and mobile phone insurance.

Most of these policies are underwritten by Allianz Global Assistance (Allianz), except the mobile phone insurance which is underwritten by AIG. Like any insurance, there are different conditions to get cover and make claims. That's why it's always best to read the policy documents. But if you just want an overview, here we have pulled out the key details about this cover.

Have a question or need to make a claim now? Call Allianz on 1800 072 791 (Australia) or +61 7 3305 7499 (overseas).

Which Citi cards have complimentary travel insurance?

You can get complimentary travel insurance with a Citi Rewards, Prestige, Premier or World Mastercard – including cards that earn Qantas Points and Emirates Skywards Miles. These are the personal cards you can currently apply for that offer insurance:

CardInternational travel insuranceTransit accident insuranceInterstate flight inconvenience insuranceExtended warranty insurancePurchase cover insuranceGuaranteed pricing schemeMobile phone insurance (underwritten by AIG)
Citi Premier Card
Citi Premier Qantas Card
Citi Prestige Card
Citi Prestige Qantas Card
Citi Rewards Card
Emirates Citi World Mastercard
Citi Clear Card
Citi Simplicity Card

Some Citi cards that aren’t currently available for new applications also offer complimentary insurance, so if you have a card that’s not listed here you can check the Citi website to see if it’s eligible for cover.

What’s covered by Citi complimentary international travel insurance?

This insurance includes overseas emergency medical cover, luggage and some cancellations. The actual cover you get is broken down into “benefits” based on what you can and can’t claim. Some claims also have an excess you need to pay before you’ll get any money back if your claim is approved.

Here, we’ve broken down the key options for different types of benefits, with basic examples of when you might make a claim. But remember: you should always read the insurance policy booklet for complete details of the cover.

Medical, dental and emergencies cover

BenefitAn example of when you'd use thisClaim limitExcess payment (per claim)
Overseas emergency assistanceIf you get food poisoning overseas and have to see a doctor or change your travel plans, this benefit can help you organise it.Unlimited$0
Overseas emergency medicalIf you become sick or injured overseas and have to pay for seeing a doctor or other medical professional.Unlimited except for emergency dental$200
Overseas emergency dental expenses due to sudden, acute pain (toothache)

Note: In the policy booklet, this is listed as a sub-limit for "Overseas emergency medical".

If you're overseas and have to see a dentist because of a toothache that's not related to anything else (including decay).$1,250 per person$200
Hospital cash allowanceIf you’re in the hospital for more than 24 hours because of a relevant health issue, this allowance helps cover the extra costs.$110 per day with a limit of $13,000 per person up to a maximum total limit of $16,500 for a cardholder travelling with their spouse and/or dependants$200
Loss of incomeIf you're injured overseas, get treatment and experience a disability that lasts for at least 30 days after you get home, and lose your income because of it.Your verified income up to $1,250 per person per week for a cardholder and spouse, limited to 3 consecutive months incapacity and a maximum total limit of $12,000 for all claims combined$0

Cancellation, delays and transport

BenefitAn example of when you'd use thisClaim limitExcess payment (per claim)
Cancellation (specific situations only)If your journey is cancelled, disrupted or rescheduled because of a serious injury, unforeseen medical issue, your death or the unforeseen death of a parent or grandparent that lives overseas.Unlimited except:

Travel agents cancellation fees: Equal to the lesser of $500 or 15% of the value of the travel arranged by the agent

Travel services provider insolvency: $5,000 per person up to a maximum total limit of $12,000 for a cardholder travelling with their spouse and/or dependants

Death of parents or grandparents living overseas: $5,000 for a cardholder travelling with a spouse and/or dependants

Travel services provider insolvency: $200

Death of parents or grandparents living overseas: $200

Rental vehicle excessIf your overseas rental car is stolen or you have an accident while driving it and the hire company agreement includes an excess that you need to pay, this cover can help with the cost.Up to a maximum total limit of $2,250N/A
Additional expenses

Note: This benefit has different sub-limits based on the situation, which we have listed separately.

If you or a companion is injured to the point of incapacity, you could claim extra accommodation or travel costs.

Note that you need written advice from the doctor or medical advisor who treated you and written consent from Allianz to make a claim.

Unlimited except for resumption of journey, travel delay and alternative transport$0
Resumption of journey (including following the death of a relative)If a relative in Australia dies or is hospitalised for a serious injury or unexpected illness when you’re travelling and you need to go back to Australia to see them, you could submit a claim to cover the flight costs.Up to $6,000 per person up to a maximum total limit of $12,000 for a cardholder travelling with their spouse and/or dependants$200
Travel delayIf your flight is delayed by 6 hours or more, you could claim food or accommodation expenses.Up to $475 per person for meal and accommodation expenses, up to a maximum total limit of $1,100 for a cardholder travelling with their spouse and/or dependants$0
Alternative transportIf your transport is delayed or cancelled and it means you wouldn’t make it to a wedding, funeral or an eligible major event that you booked before you left Australia, this helps cover the cost of reasonable travel expenses to get you there.Up to $2,500$200

Luggage and personal items cover

BenefitAn example of when you'd use thisClaim limitExcess payment (per claim)
Luggage

Note: Sporting goods aren't covered when in use. Valuables left in a vehicle or placed in check-in typically won't be covered. Separate limits apply for business items and valuables left unattended in a vehicle.

If you're travelling and your phone is stolen from your pocket or a handbag that you have on your arm at the time.Up to $16,000 per person with a maximum total limit of $32,000 for a cardholder travelling with their spouse and/or dependants subject to the following limits:

  • Baggage, clothing, personal valuables, portable electrical equipment and binoculars: Up to $5,000 per item
  • Cameras and associated equipment/accessories: Up to $5,000 per camera
  • Laptop computers and associated equipment/accessories: Up to $5,000 in total
  • Business items: $3,000 in total
  • Covered items left unattended in a motor vehicle: Up to a limit of $250 per item to a maximum total limit of $2,500
$200
Travel documents, transaction cards and traveller’s chequesIf your passport is lost or stolen and you have reported it to the local police within 24 hours, you could claim the fees for reissuing it.Up to $600 per person up to a maximum total limit of $1,100 for a cardholder travelling with their spouse and/or dependants$0
Luggage delayIf your luggage is delayed for more than 12 hours and the airline (or carrier) is at fault, you can get reimbursed for essential items you need to buy during that time.Up to $500 per person up to a maximum total limit of $1,000 for a cardholder travelling with a spouse and/or dependants$200

Death, funerals and personal liability

BenefitAn example of when you'd use thisClaim limitExcess payment (per claim)
Accidental deathIf you are injured overseas and die because of that injury. Or if the plane or boat you’re travelling on disappears and you’re declared dead within 12 months.$50,000 per cardholder

$25,000 per spouse

$5,000 per dependant

$0
Funeral expensesIf you die overseas and there is a funeral or your remains need to be brought back to Australia. Note that only some causes of death are covered.Up to $20,000$0
Personal liabilityIf you’re involved in an accident and become legally liable to pay compensation for someone else’s injuries or damaged property (when the person doesn’t live with you), this helps cover the legal costs.Up to $2.25 million$0

What’s not covered?

All insurance policies have details of when you will and won't get covered, so check the insurance booklet before you book a trip or make a claim. In the case of Citi's complimentary credit card insurance, some of the key situations that aren't covered include:

  • If you don’t follow advice from any government, official body or mass media announcements
  • Acts of war
  • If the purpose of your trip includes getting medical treatment
  • Dangerous activities, including rock climbing, white water rafting, bungy jumping, skydiving, water skiing, off-piste snow skiing or snowboarding, or for any professional sports
  • Laptops, phones or tablets that you’ve put in your checked-in luggage

These are just a handful of examples of when you won't get cover under this policy. Check the Citi card insurance policy booklet or call Allianz on 1800 072 791 for more details about exclusions.

Does Citi credit card international travel insurance cover COVID-19?

No. COVID-19 is a pandemic and, like most travel insurance policies, this does not offer cover for epidemics or pandemics.

We know how confusing the COVID-19 situation can be, which is why Finder has a whole guide covering questions about this pandemic and travel insurance.

If you need cover for a skiing trip, bungy jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions. Got a pre-existing health condition? Check out travel insurance policies that offer cover for conditions including asthma, high blood pressure and physical disabilities.

What do I need to do to use Citi credit card complimentary travel insurance?

If you're planning a trip and want cover through your Citi credit card, you'll need to meet the following requirements:

  • Australian residence. You need to be permanently living in Australia at the time you book your trip and also need to depart from Australia.
  • Travel bookings. Before you leave Australia, you need to book your overseas ticket using one or more of the following options:
    • Pay for the overseas travel ticket with your eligible Citi credit card.
    • Book through the Citi Travel Program.
    • Use frequent flyer points to book your overseas travel ticket, as long as you’ve transferred a minimum of 15,000 points from your Citi card to the frequent flyer account in the past 12 months.
  • Length of travel. This cover is available if your trip is for 6 consecutive months or less.
  • Account status. You need to have an active, eligible Citi credit card in your name at the time of your booking.

Does Citi credit card travel insurance cover family members?

Yes, your spouse and dependants (i.e. your children) can also get cover when you meet the eligibility requirements for international travel insurance. For them, the key requirements to get cover are:

  • They need to meet the same travel length and travel booking requirements as you.
  • They need to travel with you for at least 50% of the trip that you’ve got cover for.

They also need to meet the other conditions of the insurance policy. Keep in mind that some claims have different limits for a spouse or dependants compared to what you (as the primary cardholder) get.

Pre-existing medical conditions

A pre-existing medical condition usually means health conditions you’ve recently been treated for or manage on an ongoing basis. These conditions can affect your travel insurance cover.

With Citi’s complimentary international travel insurance, a limited number of pre-existing medical conditions are covered if you meet some very specific guidelines. Here, we’ve summarised the key details for conditions that are covered.

Pre-existing medical conditionConditions for cover
AcneIf you have not needed treatment by a medical adviser in the last 3 months.
AllergiesIf you have not needed treatment by a medical adviser in the last 9 months and you don’t have a known respiratory condition (e.g. asthma).
AsthmaIf you have not had an asthma attack (exacerbation) that needed treatment from a medical adviser in the past 12 months.
Cataracts and glaucomaIf you have no ongoing complications, are not on a waiting list for an operation and have not been operated on in the last 2 months.
Coeliac diseaseIf your condition has not required treatment by a medical adviser in the last 6 months.
Diabetes/glucose intoleranceIf you were diagnosed more than 12 consecutive months ago and have not had any complications in the last 12 consecutive months.

You also need to have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less.

You must also not currently be undergoing treatment for kidney, eye or nerve complications.

Ear grommetsIf you have no current infection.
EpilepsyIf there are no underlying medical conditions (e.g. previous head trauma, stroke) and you have not required treatment by a medical adviser for a seizure in the last 2 years.
Gastric refluxIf it does not relate to another underlying diagnosis (e.g. gastric ulcer).
GoutIf it has remained stable for at least 9 months.
Hiatus herniaIf no surgery is planned.
Hypertension (high blood pressure)If you have no known heart conditions and your current blood pressure reading is lower than 165/95.
Single pregnancy up to and including 26 weeksIf there are no existing complications related to the pregnancy and the pregnancy was not medically assisted (e.g. IVF).

As with other details of the policy, remember to look at the insurance document for full details.

What if I don’t meet the requirements or have a different pre-existing condition?

If you’re not sure whether your pre-existing medical condition will be covered, call Allianz on 1800 072 791 to check if you can use this insurance. You can also apply to get written confirmation from Allianz that a pre-existing medical condition will be covered, although be aware that additional fees may apply.

But otherwise, you won't get cover if you've previously seen a doctor or other qualified professional about a condition that ends up causing issues overseas. This includes physical, medical, mental or dental conditions you’re aware of before you travel.

How to make a claim

First things first: Contact Allianz as soon as anything happens by calling 1800 072 791 or +61 7 3305 7499 if you’re overseas and it’s an emergency. They will be able to advise you on the claim or claims you want to make at the time.

You can then submit a claim as soon as possible by following these steps:

  1. Go to the Allianz online claim portal at https://claimmanager.com.au/aga/agreement
  2. Confirm you agree with the terms and conditions, then click “Create new claim”
  3. Select the “Credit card insurance” option and provide details of your card
  4. Fill in the details on the claim form and upload your supporting documentation

You will hear back about your claim within 10 business days, according to the online claims website.

What to include in your claim

When you’re travelling overseas with this cover, make sure you get as much written or photo evidence as you can for any claim you need to make. This makes it easier for the insurer to consider the claim and your eligibility for a payout.

The evidence and supporting documents you submit could include:

  • A referral or letter from a doctor or other professional you see in relation to a claim
  • Official medical reports
  • Police reports
  • Photos of damaged items
  • Emails or letters from airlines that relate to a claim
  • Receipts or other proof of purchase

Tip:

Use a travel wallet or create an online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the Citi card insurance policy booklet – plus anything that could become supporting documentation for future claims.

Other types of Citi complimentary credit card travel insurance

Overseas transit accident insurance

  • What is it? Cover for accidents that happen when you're travelling overseas on a plane, train, cruise ship, bus or other eligible vehicles. You also get cover for related accidents that happen when you're boarding or leaving the transport.
  • When can I use it? If you have paid for the entire trip with your eligible Citi credit card before you leave. If your partner or dependants are travelling with you for the whole trip, they'll also get cover.
  • Is there an excess cost? No, you don't need to pay an excess for any claims but there are limits to how much you can get paid out. For example, the loss of 1 hand or foot has a maximum benefit of $250,000.

Interstate flight inconvenience insurance

  • What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. This can include costs relating to cancelled return flights, flight delays of 4 hours or more, delayed or lost luggage and funeral expenses.
  • When can I use it? You’ll get cover for up to 14 days in a row if you have paid for the entire trip with your eligible Citi credit card. Your spouse and any dependants can also get cover when you have used your Citi card to pay for their return travel of 14 days or less and they will be with you for at least half the trip.
  • Is there an excess cost? There is a $200 excess for claims that relate to cancellation or luggage. There are no excess costs for other claims but there are maximum claim amounts, which vary depending on the type of claim.

To make a claim under one of these policies, call Allianz on 1800 072 791.

Citi credit card complimentary insurance for shopping

Citi credit cards give you access to other types of insurance, which are also provided by Allianz. Below is a snapshot of the different types.

Purchase cover insurance

  • What is it? Cover for the cost of a new item that is stolen, accidentally damaged or lost. It covers most household and personal items such as laptops, shoes, jewellery and glasses. Exclusions include second-hand items, perishables, cash, computer software, vehicles and items you’ve accidentally left in a hotel after checking out.
  • When can I use it? If you use your eligible Citi credit card to pay for covered items, this insurance will apply for the first 90 days from when you get them. This cover is available for personal items bought anywhere in the world, including gifts if the person they are given to is a permanent Australian resident.
  • How can I make a claim? You need to show proof that you own the item and report the loss, theft or damage to the local police or relevant authorities (such as the office of a transport company). Ideally, you should get written confirmation of this report. Then, call Allianz on 1800 072 791.
  • Is there an excess cost? An excess of $100 per claim applies. There are also maximum claim amounts, which vary depending on the item, with a yearly maximum of $135,000 for all claims.

Extended warranty insurance

  • What is it? Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months. For example, if you bought a laptop with a 12-month manufacturer's warranty and it stopped working for no reason after 12 months, you could make a claim under this cover.
  • When can I use it? If you used your eligible Citi credit card to pay for a personal item worth up to $20,000 or a business item worth up to $3,000. The item must have come with an Australian manufacturer’s warranty of between 7 days and 5 years, and you can make a claim if something happens after the original warranty period has ended.
  • How can I make a claim? Call Allianz on 1800 072 791.
  • Is there an excess cost? An excess of $100 per claim applies.

Guaranteed pricing scheme

  • What is it? If you buy something and then see it being sold for less somewhere else, you could use this cover to make up the difference in price. For example, if you paid $300 for a pair of shoes and saw them advertised for $200 a week later, you could claim the $100 difference.
  • When can I use it? If you bought something in a store (not online) with your eligible Citi credit card and then got a printed catalogue advertising it for at least $75 less than what you paid for it. You need to see the cheaper price within 60 days from when you bought it and the catalogue needs to be for a store within 25km of where you bought the item.
  • How can I make a claim? Call Allianz on 1800 072 791.
  • Is there an excess cost? There is no excess but the maximum amount you can claim for any item is $500.

Mobile phone insurance (issued by AIG)

  • What is it? If your mobile phone is stolen or accidentally damaged and stops working properly, this insurance can help cover the cost of replacement or repairs.
  • When can I use it? If you pay for your monthly mobile plan with an eligible Citi credit card, you can use this cover. For theft claims, you’ll need to include a police report and for damage claims, a quote for repairs as well as pictures of the damage.
  • How can I make a claim? Go to https://au.mycardbenefits.com to submit your claim online. You can also call AIG on +613 9522 4111 or email APAC.Mastercard@aig.com and request a claim form.
  • Is there an excess cost? An excess of $50 applies for each claim. There is also a maximum payout of $1,000 per claim and $1,650 per year through this cover. As with other insurance, remember to read the policy document for full details.

Don’t have complimentary insurance on your credit card yet? Compare Citi credit cards or check out other cards that offer insurance.

Compare Citi credit cards with complimentary insurance

1 - 6 of 6
Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate p.a. Annual fee
Citi Rewards Card - Velocity Points Offer
60,000
Citi Rewards Program
1
21.49%
$0 for the first year ($149 thereafter)
Earn 60,000 bonus Velocity Points when you spend $3,000 in the first 90 days. Plus, $0 first-year annual fee.
Emirates Citi World Mastercard
60,000
Emirates Skyward Miles Program
1
21.49%
$149 for the first year ($299 thereafter)
Receive 60,000 bonus Skywards Miles, complimentary travel insurance, lounge passes and golf perks.
Citi Prestige Card
200,000
Citi Rewards Program
1
21.49%
$700
Enjoy 200,000 bonus reward Points, unlimited airport lounge access, hotel perks and more.
Citi Rewards Card - Cashback Offer
N/A
Citi Rewards Program
1
21.49%
$99 for the first year ($149 thereafter)
Get $400 cashback when you spend $2,000 through Apple Pay or Samsung Pay in the first 90 days. Plus, a $99 first-year annual fee.
Citi Rewards Card - Purchase and Balance Transfer Offer
N/A
Citi Rewards Program
1
0% for 14 months, reverts to 21.49%
$49 for the first year ($149 thereafter)
Save with 0% on purchases and balance transfers for 14 months with no balance transfer fee. Plus, $49 first-year annual fee.
Citi Premier Card - Cashback Offer
N/A
Citi Rewards Program
1
21.49%
$150 for the first year ($300 thereafter)
Receive $600 cashback when you spend $2,000 through Apple Pay or Samsung Pay in the first 90 days. Plus, save with a $150 first-year annual fee discount.
loading

Compare up to 4 providers

Back to top

More guides on Finder

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

92 Responses

  1. Default Gravatar
    IanOctober 24, 2019

    I purchased flights to Australia from Brazil on my Citi Rewards Platinum Card for my son and his partner. Am I covered in the event that political disruption in Chile prevents the flights from coming to Australia

    • Default Gravatar
      NikkiOctober 25, 2019

      Hi Ian,

      Thanks for your comment. You’re eligible for complimentary travel insurance, you can also get cover for a spouse or for dependent children up to the age of 21 but they will need to be travelling with you for the duration of the trip and need to meet the same booking conditions as you to be eligible for coverage. Check the insurance policy booklet or call Allianz Global Assist to find out more or ask specific questions about coverage for your spouse or dependents.

      Hope this helps and feel free to reach out to us again for further assistance.

      Best,
      Nikki

  2. Default Gravatar
    ShirleyAugust 26, 2019

    I am the main card holder and my spouse who is 71 is flying with me.. is he covered for insurance.

    • Default Gravatar
      NikkiAugust 28, 2019

      Hi Shirley,

      Thanks for getting in touch! Provided that you meet your eligibility requirements, your spouse (and dependents) travelling with you for the duration of the trip need to meet the same booking conditions as you to be eligible for coverage. You can also see the detailed eligibility conditions in the Complimentary Insurance Terms and Conditions of Citibank Rewards Cards.

      Hope this helps!

      Best,
      Nikki

  3. Default Gravatar
    KeithMarch 11, 2019

    Hi,

    I am flying from Perth to Phuket in April and returning from Kuala Lumpur to Perth in October. I have a return ticket but I am flying back from a different overseas airport. All bought with my Citibank visa rewards card. Can I still get the 6 months travel insurance on my Citibank Rewards Signature card even though I am returning to Perth from a different overseas airport?

    • Avatarfinder Customer Care
      JeniMarch 12, 2019Staff

      Hi Keith,

      Thank you for getting in touch with Finder.

      So long that you’re returning to Australia within 6 months, you’re then covered even if you are from different airport. Kindly contact Citibank directly on this matter if you want to double check and for further queries on their credit card’s complimentary travel insurance.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  4. Default Gravatar
    SUSANJanuary 31, 2019

    Are there any age limits applicable to travel with an Emirates Citi World Card?

    • Default Gravatar
      BellaFebruary 2, 2019

      Hi Susan,

      Thanks for your inquiry.

      There is no maximum age for this credit card insurance policy.

      I hope this clarifies.

      Kind regards,
      Bella

  5. Default Gravatar
    ChrisJanuary 7, 2019

    I have booked flights with a travel agent and paid by paypal which is charged back to my Citibank platinum credit card. Does this qualify for complimentary travel insurance?

    • Avatarfinder Customer Care
      JohnJanuary 8, 2019Staff

      Hi Chris,

      Thank you for reaching out to finder.

      Under the general terms for eligibility requirements it states that you are eligible for cover if you charged the cost of the travel ticket to the cardholder’s card; or obtaining the travel ticket under the Citibank Travel Program. If you wish to inquire further on this requirement, you may need to contact Citibank directly to check. Hope this helps!

      Cheers,
      Reggie

Go to site