Save on costs and travel with peace of mind with Citi complimentary travel insurance.
If you have a Citi credit card, you could be eligible for international travel insurance at no extra cost. This complimentary coverage is issued and managed by Allianz Global Assistance (AGA) as of 1 May 2016. Before then, it was provided by Zurich Australia Limited and there are some differences in the coverage as a result of the change.
This page is a summarised guide of the Citi complimentary insurance policy available through AGA. It goes through details of the eligibility requirements, claims process, specific coverage options and any major changes that have happened since the transition from Zurich to AGA, so that you can make the most out of this Citi credit card feature when you use it.
Citi Credit Card Offer
Receive 50,000 bonus Qantas Points on signup and a reduced annual fee for the first year. Benefit from complimentary insurance covers such as extended warranty, purchase protection and international travel insurance.
- $199 p.a. annual fee for the first year ($395 p.a. thereafter) annual fee
- 20.99% p.a. on purchases
- 0% p.a. for 6 months on balance transfers
- Cash Advance Rate of 21.74% p.a.
- Up to 55 days interest free
- Minimum Income Requirement of $75,000 p.a.
What type of complimentary travel insurance is available?
Depending on the Citi card you choose, you could be eligible for any of the following three complimentary travel insurance options:
- International travel insurance. A comprehensive travel insurance policy available for overseas trips up to six months long.
- Transit accident insurance. Accidental death and injury coverage for cardholders who are travelling as passengers on a plane, tourist bus, train or ferry while overseas.
- Interstate flight inconvenience insurance. Covers cardholders for issues such as unexpected travel cancellations, flight delays, rental vehicle excess costs and lost or damaged luggage for up to 14 days when travelling within Australia.
Which cards offer complimentary travel insurance?
There are seven Citi credit cards that provide complimentary travel insurance options. You can see which policies are available for each card in the table below:
| Card | International travel insurance | Transit accident insurance | Interstate flight inconvenience insurance |
|---|---|---|---|
| Citi Prestige | Yes | Yes | Yes |
| Citi Rewards Signature | Yes | Yes | Yes |
| Citi Rewards Platinum | Yes | Yes | No |
| Emirates Citi World Mastercard | Yes | Yes | Yes |
| Citi Clear Platinum | No | Yes | No |
| Citi Simplicity | No | Yes | No |
| CitiBusiness Gold Credit Card | Yes | No | No |
It’s also worth noting that any of these cards that are enrolled in the Citi Qantas Rewards program will also be eligible for coverage. For example, if you have a Citi Rewards Platinum credit card and opt-in to the Qantas program, you still get comprehensive international travel insurance and transit accident insurance. Meanwhile, if you have a Citi Qantas Signature credit card, you get access to all three types of travel insurance through your card – just as you would with a Citi Rewards Signature card.
For more details, you should refer to your credit card information booklet or the product disclosure statement provided to you when you were approved for the card. Alternatively, you can check what coverage is available for your specific card, find out about any variations and learn more about other complimentary insurance options by referring to the Citi complimentary insurance guide online.
Back to topWhat are the eligibility requirements?
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.
International travel insurance
If you have a Citi Prestige, Citi Rewards Signature, Citi Rewards Platinum, Emirates Citi World Mastercard or CitiBusiness Gold credit card, you are eligible for this complimentary travel insurance when the travel period is less than six consecutive months (or less than three months for the CitiBusiness Gold card). To activate the policy, you must use one of the following methods to book your trip:
- Charge the cost of the overseas travel ticket to your Citi card.
- Book the ticket through the Citi Travel Program.
- Obtain the overseas travel ticket through your airline frequent flyer program, as long as you have transferred at least 15,000 points from your Citi card to the frequent flyer program in the 12 months prior to booking the ticket.
Citi says you must also be a cardholder at the time you make your overseas travel booking. This means that any travel you book before you get your Citi card won’t be eligible for the complimentary insurance. Other important conditions and exclusions include:
- One-way tickets. The maximum cover you can get if you book a one-way flight is reduced to 31 days.
- Pre-existing medical conditions. This policy does not automatically cover pre-existing medical conditions but you can apply for additional coverage relating to a pre-existing medical condition by calling Allianz Global Assistance on 1800 072 791. A registered medical professional will assess your application and, if approved, you will have to pay an administration fee. You will then be issued with a certificate outlining the additional coverage and medical condition it applies to for the journey.
Transit accident insurance
You can get complimentary transit accident insurance if you have a Citi Prestige, Citi Rewards Signature, Citi Rewards Platinum, Emirates Citi World Mastercard, Citi Clear Platinum or Citi Simplicity credit card. The key eligibility requirements are as follow:
- Booking. You must pay for the entire trip using your Citi credit card.
- Timeframe. Claims must be submitted within 12 months of the accident.
- Accidents. This coverage offers protection against injuries or deaths that occur when you are boarding, leaving or travelling on a plane, tourist bus, ferry or train.
Interstate flight inconvenience insurance
If you have a Citi Prestige, Citi Rewards Signature or Emirates Citi World Mastercard, you will be able to claim interstate flight inconvenience insurance when you meet the following conditions:
- Booking. The entire cost of the return interstate flight (excluding taxes and airport and travel agent charges) is charged to your Citi card before you start the journey.
- Travel period. The travel must be for no more than 14 consecutive days.
How do I know when I’m covered and what I’m covered for?
Providing you meet the eligibility requirements of the travel insurance offered by your card, you will be covered from the day you start your journey. The coverage includes travel directly from your home to the Australian air or sea terminal that is the departure point shown on your overseas travel ticket.
The end date of your coverage is usually when you return to Australia. However, there are some exceptions outlined below:
- Extended travel. If your travel period is longer than the maximum amount offered on the policy (e.g. six months), the policy will end after that date.
- One-way tickets. If you have only booked a one-way ticket, the coverage will end after 31 days or when you return to Australia, whichever happens first.
- Delayed returns. If your return is delayed because of an event that is covered by the policy, then your insurance may be extended up to four weeks or until you return to Australia, whichever happens first.
Cover for spouses and dependents
If you’re eligible for complimentary travel insurance, then you can also get cover for a spouse or for dependent children up to the age of 21. 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.
Some other conditions and limitations may also apply depending on the specific travel insurance policy. For example, with international travel insurance, spouses and dependent children are not eligible for additional coverage for any pre-existing medical conditions. Check the insurance policy booklet or call Allianz Global Assist on 1800 072 791 to find out more or ask specific questions about coverage for your spouse or dependents.
How do I make a claim?
Claims must be lodged with Allianz Global Assistance within 30 days or as soon as possible after learning of any loss, damage, injury or breakdown that may result in a claim. You can make a claim using the following steps.
1. Call Allianz. If you are in Australia, call Allianz on 1800 072 791. If you are overseas, call +61 7 3305 7499. Overseas reverse charge calls can be made from many countries using Telstra’s Australia Direct service. Allianz recommends you get in touch as soon as possible to ensure your claim is eligible and can be processed quickly.
2. Submit a claim form. Request or download a claim form and fill out all the details required, then send it to Allianz Global Assistance within ?30 days or as soon as possible after returning to Australia. ?
3. Gather and submit your supporting documentation. Depending on your claim, you may be required to submit a range of supporting documentation, including medical reports, doctors’ certificates, credit card statements, travel itineraries, damaged items (or photos of damaged items), receipts and official reports relating to the claim.
Allianz may decline claims that are submitted outside the specified timeframes or when there is not enough evidence to support them, so it’s important to get in touch quickly and provide as much documentation as possible for all your claims. If you are unsure about anything, you can also ask Allianz directly when you contact them about a claim.
Making a claim for travel before 1 May 2016
Keep in mind that the claims process and coverage may vary slightly between Zurich and Allianz, but should be fairly similar. You can refer to the Zurich Citi insurance booklet for more information on this insurance policy.
What insurances am I covered under?
Your level of coverage depends on the type of complimentary insurance and specific card you have. We’ve outlined the basics for each policy and card below.
International travel insurance
 Citibusiness Gold | ||
|---|---|---|
| Benefit | Policy Limit | Other details |
| Medical expenses | Unlimited | Incidental expenses for bed care: Capped at $110 per day, up to $5,000 per person to a maximum of $7,500 for a cardholder travelling with their spouse and/or dependent children. |
| Emergency dental charges | $1,250 | N/A |
| Personal belongings and business items | $16,000 | Per person limit: $11,000 Individual items may have specific claim limits. |
| Unexpected cancellation and expenses | Unlimited | Travel agent cancellation: Cover is limited to $500 or 15% of the value of the travel arranged by the agent (whichever is less). |
| Resumption of journey | $10,000 | Per person limit: $5,000 |
| Special event | $2,250 | N/A |
| Rental vehicle excess insurance | $2,250 | N/A |
| Travel delay | $700 | Per person limit: $250 Can only be claimed for delays of six hours or more |
| Funeral expenses | $15,000 | N/A |
| Accidental death | $25,000 | Spouse limit: $20,000 Dependent child limit: $5,000 |
| Personal legal liability | $2,250,000 | N/A |
| Loss of income | $8,000 | Reimbursement details: You will be reimbursed for your verified income for up to three months, or to the claim limit, with a maximum of $750 per person per week. |
*The Citibusiness Gold is no longer available for new applications
 Citi Prestige |  Citi Rewards Signature |  Emirates Citi World Mastercard |  Citi Rewards Platinum |
|---|---|---|---|
| Benefit | Policy Limit | Other details | |
| Medical expenses | Unlimited | Incidental expenses for bed care: Capped at $110 per day, up to $5,000 per person to a maximum of $7,500 for a cardholder travelling with their spouse and/or dependent children. | |
| Emergency dental charges | $1,250 | N/A | |
| Personal belongings and business items | $32,000 | Per person limit: $16,000 Individual items may have specific claim limits. | |
| Unexpected cancellation and expenses | Unlimited | Travel agent cancellation: Cover is limited to $500 or 15% of the value of the travel arranged by the agent (whichever is less). | |
| Resumption of journey | $12,000 | Per person limit: $6,000 | |
| Special event | $2,500 | N/A | |
| Rental vehicle excess insurance | $2,750 | N/A | |
| Travel delay | $1,100 | Per person limit: $475 Can only be claimed for delays of six hours or more | |
| Funeral expenses | $20,000 | N/A | |
| Accidental death | $50,000 | Spouse limit: $25,000 Dependent child limit: $5,000 | |
| Personal legal liability | $2,250,000 | N/A | |
| Loss of income | $12,000 | Reimbursement details: You will be reimbursed for your verified income for up to three months, or to the claim limit, with a maximum of $1,250 per person per week. |
Transit accident insurance
The amount of coverage available for a card with complimentary transit accident insurance only varies based on the person making the claim, with the following benefit amounts:
- Cardholders: Up to $500,000 depending on the claim.
- Spouses: Up to $250,000 depending on the claim.
- Dependent children: Up to $125,000 depending on the claim.
Interstate flight inconvenience insurance
The following table outlines the claims and coverage limits that apply if you have a Citi Prestige, Rewards Signature or Emirates Citi World Mastercard.
| Citi Prestige | Citi Rewards Signature | Emirates Citi World Mastercard |
|---|---|---|
| Benefit | Policy Limit | |
| Personal belongings and business items | $750 for each item up to $1,500 | |
| Luggage delay | $150 per person up to $450 | |
| Unexpected cancellation | $3,000 | |
| Rental vehicle insurance excess | $2,250 | |
| Flight delay | Delays of 4 hours or more: $80 per person up to $300 Delays of 10 hours or more: Another $80 per person up to $300 | |
| Missed connection (four hour or more delay) | $80 per person up to $300 | |
| Funeral expenses | $2,500 per person up to $7,000 | |
Purchase cover insurance
This insurance covers you against theft, loss or damage to covered products that have been purchased on your card within a 90-day period.
Requirements
To get this coverage, you must purchase the eligible item using your Citi credit card.
Claim limitations
The following claim limits apply based on your Citi credit card level:
- Classic cards. Up to $1,000 per claim, with a maximum claim amount of $50,000 in a 12-month period.
- Gold Mastercard and CitiBusiness Gold Cards. Up to $3,000 per claim, with a maximum claim amount of $125,000 in a 12-month period.
- Prestige Cards, Signature Cards, World Cards, Clear Platinum Cards, Simplicity Cards and Platinum Cards. Up to $10,000 per claim, with a maximum claim amount of $200,000 in a 12-month period.
Guaranteed pricing scheme
If you purchase an item with your card and then see the same product at a lower price advertised in a store catalogue, you could be able to claim the difference under Citi’s Guaranteed Pricing Scheme. This complimentary cover is available with most Citi credit cards and is capped at $500 per year.
Requirements
- You must make your claim within 60 days of the purchase.
- The price difference must be at least $75.
- The cheaper product must be in a store within a 25km radius of the store where you purchased the original item.
Extended warranty insurance
Extended Warranty Insurance covers you for the cost of repairing or replacing covered products that have been purchased on an eligible card, in the event that the product fails or breaks down.
Which Citi cards offer extended warranty insurance?
Citi Prestige, Signature, Clear Platinum, Simplicity, World Mastercard and Platinum credit cards offer this insurance.
Requirements
The extended warranty period starts from the date the registered warranty expires and applies for the same period as the registered warranty, up to a maximum of 12 months. Citi will pay a maximum of $20,000 per year for items covered by this extended warranty.
Citi credit cards come with a number of complimentary insurance options, including three specifically designed for travel. While this page summarises the key points of these policies, it’s also a good idea to contact Citi or Allianz Global Assist directly if you have any specific questions about your credit card and the coverage available to you.
Citi Credit Cards with Complimentary International Travel Insurance
Do I have to pay for all our international travel on my Citibank Platinum card or just the airfares in and out of Australia. We are doing a few cruises and I don’t think my limit on my card will cover everything.
Hi AJ,
Thanks for your inquiry.
For you to take advantage of the Complimentary Insurance, you must book your tickets using the card. You may use the card for purchases during your travel to earn corresponding points.
Hope this information helped.
Cheers,
Arnold
Hi my husband and I have a Citi Rewards card. We are going to Bali for 15 days. Do we get complimentary travel insurance? If yes, do we need to fill out a form to confirm?
Thank you,
Dale
Hi Dale,
Thanks for your question.
Citi Rewards Signature and Citi Rewards Platinum both come with a complimentary travel insurance cover, provided you meet the following eligibility criteria among others:
-Charge the cost of the overseas travel ticket to your Citi card.
-Book the ticket through the Citi Travel Program.
-Obtain the overseas travel ticket through your airline frequent flyer program, as long as you have transferred at least 15,000 points from your Citi card to the frequent flyer program in the 12 months prior to booking the ticket.
If you meet the eligibility requirements of the travel insurance offered by your card, you will be automatically covered from the day you start your journey. You do not have to tell Citibank that you will be travelling.
For your specific enquiries regarding your complimentary insurance cover, you may contact Allianz Global Assistance on 1800 072 791.
Cheers,
Anndy
I have a medical claim on my BOQ platinum visa card ( complimentary ). All trips , internal flights , the cruise ( $9700 ) Hawaii to Sydney were paid with that card .
The one way flight Brisbane to Hawaii ($3000 ) was paid via my visa debit card as an interim payment which our daughter reimbursed as it was a present for our 50. wedding anniversary .
Does that now mean no travel insurance is applicable because our daughter made us a very nice present ?
regards JC
Hi JC,
Thanks for your question.
According to the BOQ complimentary travel insurance T&Cs: Platinum cardholders are eligible for the international travel insurance, when prior to leaving Australia their overseas travel ticket (but not taxes or airport or travel agent charges) was obtained by one of the following methods:
• the cost of the overseas travel ticket was charged to the cardholder’s card; or
• the cardholder redeemed their Q Rewards® points in exchange for the overseas travel ticket, provided that the redemption occurs, where any relevant program exists.; or
• the cardholder obtained the overseas travel ticket under the Take Flight Program.
No cover is provided under the International Travel Insurance Policy when the overseas travel tickets have been fully or partially obtained by redeeming points or rewards from schemes other than as outlined above.
By contacting Allianz Global Assistance, you’ll be able to clarify if you will be eligible given the circumstance you mentioned.
Cheers,
May
I have a Citibank rewards MasterCard and used it to pay the deposit on a cruise starting in Auckland NZ on 26th March 2017. I intend paying the balance of the fare with this card by 23rd December 2016. My wife and I will probably fly to Auckland 2 or 3 days before the cruise starts – and will use the Citibank card for that payment also. My wife will be 70 by the time we travel and I will be 72. We will disembark in Sydney on 8th April 2017.
My wife has a pacemaker and is on medication for hypertension and cholesterol. I am a type 2 diabetic (non-insulin dependent) and also take medication for hypertension and cholesterol.
Are we eligible for complimentary travel insurance via Citibank?
What do we need to do to be registered for coverage, including providing any specific information required in respect of our pre-existing conditions.
Hi Lawrence,
Thank you for your question.
The complimentary travel insurance attached to the Citibank’s eligible credit card actually does not automatically cover pre-existing medical conditions, nonetheless, you can apply for additional coverage relating to a pre-existing medical condition by calling Allianz Global Assistance (AGA) on 1800 072 791.
AGA has a registered medical professional who will assess your application and, if approved, you will have to pay an administration fee. After which, you’ll be issued with a certificate outlining the additional coverage and medical condition it applies to for the journey.
Yes, it’s best that prior to your travel, you will phone AGA so that your trip will be in their records and it would be easier to claim for the insurance cover if need be.
Hope this helps.
Cheers,
May
I have booked a 6 day holiday to Bali in April for my partner & myself. All Airfares & accommodation have been paid for on my Signature Citibank Rewards Credit Card.
Is my partner covered with the Free travel insurance.
HI Leslie,
Thanks for your question.
Based on the terms and conditions of the complimentary insurance cover of this card, if you as the cardholder is eligible for the cover (upon meeting the eligibility criteria), then your spouse and or dependent children are also eligible to receive the complimentary international travel insurance cover when each of them individually also meets all of the eligibility criteria.
The eligibility criteria are listed on page 21 of the link I gave you.
For the purpose of receiving the cover, a ‘spouse’ means “a married, de facto or affianced partner of the cardholder who is permanently living with the cardholder at the time the journey or trip starts and who travels with the cardholder for the entire journey or trip.” Citibank may ask for proof of your relationship.
I hope this answers your question.
Cheers,
Anndy
I have booked a trip to the US for my husband and myself, using my platinum credit card, which is a supplementary card to his account. Do we qualify for the free International travel insurance.
Hi Leanne,
Thanks for your inquiry.
Yes, even if you have used the supplementary/additional card to purchase the tickets for your travel, you and your husband (being the primary holder) are eligible for the complimentary travel insurance.
You may find more information about the Citibank’s complimentary travel insurance terms and conditions in the link that I have sent to your email.
I hope this is helpful.
Cheers,
May
I have booked a short holiday paid for with my platinum visa card through RACQ travel. I intend to adopt the free travel insurance option. Do I have to notify you of the dates of the travel and also notify you of my intention to use my card during my trip to South East Asia.
Hi John,
Thanks for your question.
Please note that you have come through finder.com.au, an online comparison service, and is not directly affiliated with Citibank.
However, it would be suggested to notify your credit card issuer before travelling overseas. Usually, the issuer will ask you to provide your contact details, travel dates and destinations.
I’ve emailed you the Citibank’s contact details for your convenience.
I hope this helps.
Cheers,
Ysa
i would like to ask my husband and myself are travelling on a holiday to usa in june 2016 with our 2 adult sons I would like a quote on travel insurance for all of us thank you colleen
Hi Colleen,
Thanks for your question.
You can compare and get a quote for travel insurance for you and your family on this page.
In terms of coverage of the insurance policy, it would be best to contact the Citibank customer service team for direct assistance.
Cheers,
Ysa
does the Citibank credit card for international travel cover persons over 75 who are travelling overseas or is there a restriction.
Hi Brian,
Thanks for your question.
There was no age limit expressed in the credit card insurance terms and conditions.
For further inquiries regarding the insurance cover, should you wish to contact Zurich directly to confirm your eligibility before you travel.
For a full outline of the insurance policy, please refer to the link I have sent to your email. I’ve also provided Zurich’s contact details for your convenience.
I hope this helps.
Cheers,
Ysa
I am flying to US to go on a cruise. If I need medical/injury attention during the cruise, does the insurance is it covered? Do I have to use the credit card to pay for the cruise or is payment for the return flight sufficient?
Hi Sarawan,
Thanks for your inquiry.
Yes, you have to use your Citibank credit card to avail the complimentary insurance.
Please refer to the email I have sent you containing the full details for Citibank’s complimentary insurance policy.
I hope this helps.
Cheers,
Debbie