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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.

What you need to know:

  • Do you have a question or need to make a claim right now? Call Allianz (the insurance provider) on 1800 072 791 or +61 7 3305 7499.

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. 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
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.

⚠️ Important: This guide is based on details in the Citi description of complimentary credit card insurance cover, effective 1 June 2022 (PDF). This was the current version when we updated this guide, but you can also check for updates on the on Citi website.

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 resident. 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.

The cover is automatically available to you and eligible family members (your spouse and dependants) when you meet these requirements.

But unlike some travel insurnace policies, the Citi policy document does not include details of a maximum age for cover. So if you need further details or want confirmation of cover, call Allianz on 1800 072 791.

What’s covered by Citi complimentary international travel insurance?

Here, we’ve broken down the key options for different types of benefits for eligible Citi credit cards currently on the market. But remember: you should always read the insurance policy booklet for complete details of the cover.

Medical, dental and emergencies cover

BenefitClaim limitExcess payment (per claim)
Overseas emergency assistanceUnlimited$0
Overseas emergency medicalUnlimited 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".

$1,250 per person$200
Hospital cash allowance$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 incomeYour 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

BenefitClaim limitExcess payment (per claim)
Cancellation (specific situations only)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

Cancellation: $200

Travel services provider insolvency: $200

Rental vehicle excessUp to a maximum total limit of $2,750$0
Additional expenses

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

Unlimited except for resumption of journey, travel delay and alternative transport$0
Resumption of journey (including following the death of a relative)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 delayUp 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 transportUp to $2,500$200

Luggage and personal items cover

BenefitClaim limitExcess payment (per claim)

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.

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
Travel documents, transaction cards and traveller’s chequesUp 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 delayUp 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

BenefitClaim limitExcess payment (per claim)
Accidental death$50,000 per cardholder

$25,000 per spouse

$5,000 per dependant

Funeral expensesUp to $20,000$0
Personal liabilityUp to $2.25 million$0

What’s not covered?

Some of the key situations that aren't covered by Citi's complimentary credit card insurance include:

  • 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 and professional sports
  • Government interference with your travel plans
  • Acts of war

⚠️ Remember: Check the Citi card insurance policy booklet or call Allianz on 1800 072 791 for more details about exclusions.

If you need cover for a skiing trip, bungy jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions.

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

Yes. In June 2023, Citi updated its complimentary international travel insurance with details of when you can make claims related to COVID-19 and other known pandemics and epidemics. This includes:

  • Overseas emergency assistance
  • Overseas emergency medical
  • Cancellation
  • Additional expenses
  • To make a claim, you need to be positively diagnosed with COVID-19 (or another pandemic/epidemic disease) and meet all the other requirements for a claim. This also extends to an eligible spouse or dependants travelling with you – but won’t apply if you’re travelling against government advice. As there are lots of conditions to meet for this type of cover, make sure you read the policy booklet or call Allianz on 1800 072 791 before you travel.

    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

    With Citi’s complimentary international travel insurance, a limited number of pre-existing medical conditions are covered when you meet the requirements, including:

    Pre-existing medical conditionConditions for cover
    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.
    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.

    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).

    ⚠️ Keep in mind: Every travel insurance policy has its own definition and details about pre-existing conditions. You'll find full details in the Citi credit card complimentary travel insurance policy document.

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

    Call Allianz on 1800 072 791 to check if you can use this insurance. You may be able to get written confirmation from Allianz that a pre-existing medical condition is covered, although be aware that additional fees may apply.

    Otherwise, you won't get cover for any pre-existing conditions that cause issues. This includes conditions that you've had professional treatment for and untreated conditions you're aware of before you travel.

    Got a pre-existing health condition? Compare other travel insurance policies that offer cover for conditions including anxiety, high blood pressure and knee replacement.

    How to make a claim through your Citi credit card complimentary international travel insurance policy

    If it's an emergency, call Allianz on +61 7 3305 7499 or 1800 072 791 if you're in Australia. Then, submit a claim as soon as possible by following these steps:

  1. Go to the Allianz online claim portal at
  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

With insurance claims, include as many details as you can. This makes it easier for the insurer to look at the claim and your eligibility for a payout. Some examples include:

  • A referral or letter from a doctor or other professional you see in relation to a claim
  • Photo evidence
  • Police reports

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 and anything that could become supporting documentation for claims.

Other types of Citi complimentary credit card travel insurance

Transit accident insurance

  • What is it? Cover for accidents that happen when you're boarding, leaving or travelling overseas on a plane, train, cruise ship, bus or other eligible vehicle.
  • When can I use it? If you have paid for the entire trip with your eligible Citi credit card before you leave.
  • Is there an excess cost? No.

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. For example, cancelled return flights, flight delays of 4 hours or more and delayed or lost luggage.
  • When can I use it? If you have paid for your return interstate flights with an eligible Citi credit card and are travelling for no more than 14 days in a row.
  • Is there an excess cost? There is a $200 excess for cancellation and luggage claims.

Rental vehicle excess in Australia insurance

  • What is it? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $2,250. This cover is included as part of the interstate flight inconvenience insurance benefits in the Suncorp credit card complimentary insurance policy document.
  • When can I use it? If you meet the requirements for interstate flight inconvenience insurance and the vehicle hire agreement includes an excess cost.
  • Is there an excess cost? No.

How to make a claim under one of these policies

Call Allianz on 1800 072 791 or submit your claim through the Allianz online claim portal at

Citi credit card complimentary insurance for shopping

Citi credit cards also give you access to other types of insurance for items you buy. Here's a basic explainer of each one, with full details in the Citi credit card insurance policy booklet:

  • Purchase cover insurance: Offers cover for up to 90 days when you buy an item with your eligible card and it's then stolen, accidentally damaged or lost. It covers personal items such as laptops, shoes, jewellery and glasses, as well as eligible gifts if the person they are given to is a permanent Australian resident.
  • Extended warranty insurance: Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months.
  • Guaranteed pricing scheme: If you buy something and then see it being sold for less somewhere else, you could claim the difference in price with this cover.

Mobile phone insurance

Citi is one of the few credit card brands in Australia that offer complimentary mobile phone insurance.

Unlike the other insurance covers available on eligible Citi cards, this cover is issued by AIG. Here are the key details:

  • 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 to submit your claim online. You can also call AIG on +613 9522 4111 or email 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.

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102 Responses

    Default Gravatar
    KrzysztofOctober 26, 2023

    I am going for holiday with Princess and they ask for hard copies of my insurance policy. I pay a trip with my citi premier credit card .How do I can get it?

      AmyOctober 27, 2023Finder

      Hi Krzysztof,
      You can request details of your eligibility and confirmation of cover by calling the insurance provider, Allianz on 1800 072 791. I hope this helps.

    Default Gravatar
    MaureenJune 19, 2023

    Hi, My husband and are traveling to Bali on 5th August, I have paid for flights and accommodation on my Citi Premier card, we are residents of Australia.
    Do I have to let anyone know about our travel plans prior to leaving to activate our travel insurance. Our ages are 65 and 66.
    I understand we aren’t covered for Covid.
    Just needing to confirm before we go.

      AmyJune 22, 2023Finder

      Hi Maureen,

      No, you’re not required to tell anyone about your travel plans before leaving. It sounds like you’ve met all the requirements, as long as your return ticket has a date within 6 months of when you left (this policy only covers travel for up to 6 months in a row).

      The insurance policy was also updated in June 2023 and now includes some cover if you or an eligible travel companion is positively diagnosed with Covid. If you want to check any other details or have further questions, you can contact the insurance provider Allianz Global Insurance on 1800 072 791 or Citi on 13 24 84. I hope this helps, and happy travels!

    Default Gravatar
    bonnieJune 5, 2023

    do i need to do anything to activate international travel insurance or is it automatically applied when using card to pay for my plane ticket?

      JamesJune 6, 2023Finder

      Hi Bonnie,

      Thanks for your message. It’ll be included automatically (assuming you meet the minimum spend required to active it). Be sure to read the PDS to make sure you have enough cover for your needs.



    Default Gravatar
    MargaretMay 17, 2023

    Where can I get the travel insurance booklet.I’ve already tried on-line.

      AmyMay 23, 2023Finder

      Hi Margaret,
      You can download a copy of the complimentary insurance terms and conditions from the Citi website or by calling Citi on 13 24 84.

      Keep in mind that the current version I just checked includes a summary of changes that are effective from 15 June 2023. The changes are outlined on the first 12 pages of the policy document (pdf, effective 1 June 2022 with updates effective 15 June 2023). So, if you have questions about the changes or any of the cover in the document, you can contact Allianz Global Assistance (the insurance provider) on 1800 072 791. I hope that helps.

    Default Gravatar
    deniseApril 10, 2023

    Does this complimentary travel insurance include travelling by ship?

      AmyApril 21, 2023Finder

      Hi Denise,
      Cover is available if you are travelling internationally on a cruise ship and meet the other requirements for cover. If you have further questions about the insurance or want to check details for a specific trip, you can call Allianz Global Assistance on 1800 072 791. I hope that helps.

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