Citi Credit Card Complimentary International Travel Insurance
Save on costs and travel with peace of mind with Citi complimentary travel insurance.
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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.
What's in this guide?
- What type of complimentary travel insurance is available?
- Which cards offer complimentary travel insurance?
- What are the eligibility requirements?
- How do I know when I’m covered and what I’m covered for?
- How do I make a claim?
- What insurances am I covered under?
- Citi Credit Cards with Complimentary International Travel Insurance
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 Card|
|Citi Rewards Card|
|Emirates Citi World Mastercard|
|Citi Clear Card|
|Citi Simplicity Card|
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 Card and opt-in to the Qantas program, you still get comprehensive international travel insurance and transit accident insurance.
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.
What 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 or Emirates Citi World Mastercard, 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, Emirates Citi World Mastercard, Citi Clear or Citi Simplicity credit card. The key eligibility requirements are as follows:
- 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 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 24. 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.
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 that apply if you have a Citi Prestige, Emirates Citi World Mastercard or Citi Rewards card.
International travel insurance
|Benefit||Policy Limit||Other details|
|Medical expenses||Unlimited||Except for hospital cash allowance: Capped at $110 per day, up to $13,000 per person to a maximum of $16,500 for a cardholder travelling with their spouse and/or dependent children.|
|Emergency dental charges||$1,250||N/A|
|Luggage||$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|
|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
|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 or Emirates Citi World Mastercard.
|Luggage||$750 for each item up to $1,500|
|Luggage delay||$150 per person up to $450|
|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 (4 hours or more)||$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. To get this coverage, you must purchase the eligible item using your Citi credit card.
The following claim limits apply based on your Citi credit card level:
- Classic Card. Up to $3,000 per business item or $10,000 per item for other covered items (except for jewellery watches and new works of art which are limited to $1,000 per claim). Maximum claim amount in a 12-month period is $50,000.
- Gold Mastercard and CitiBusiness Gold Card. Up to $3,000 per business item or $10,000 per item for other covered items (except for jewellery watches and new works of art which are limited to $3,000 per claim). Maximum claim amount in a 12-month period is $125,000.
- Prestige Card, World Card, Clear Card, Simplicity Card and Rewards Card. Up to $3,000 per business item or $10,000 per item for other covered items (except for jewellery watches and new works of art which are limited to $10,000 per claim). Maximum claim amount in a 12-month period is $200,000.
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. The key eligibility requirements are as follows:
- 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. Citi Prestige, Clear, Simplicity, World Mastercard and Platinum credit cards offer this insurance.
The extended warranty period starts from the date the manufacturer's warranty expires and applies for the same period as the manufacturer's 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
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