You can get complimentary travel insurance with a Citi Rewards, Prestige or Premier, including cards that earn Qantas or Velocity Points. These are the personal cards you can currently apply for that offer insurance:
| Card | International travel insurance | Extended warranty insurance | Purchase cover insurance | Mobile 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.
If you're planning a trip and want cover through your Citi credit card, you'll need to meet the following requirements:
The cover is automatically available to you and eligible family members (your spouse and dependants) when you meet these requirements.
But unlike some travel insurance 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 (within Australia).
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.
| Benefit | Claim limit | Excess payment (per claim) |
|---|---|---|
| Overseas emergency assistance (including Medical Evacuation and Repatriation) | $20 million | $0 |
| Overseas emergency medical | $20 million | $600 |
| Overseas emergency dental expenses due to sudden, acute pain (spontaneous toothache) Note: In the policy booklet, this is listed as a sub-limit for "Overseas emergency medical". | $2,000 per person | $600 |
| Hospital cash allowance | $100 per person per day with a limit of $15,000 for a cardholder travelling with their spouse and/or dependants | $0 |
| Loss of income | Your verified income up to $13,000 per week for a cardholder or spouse. No cover is available for dependants. | $0 |
| Benefit | Claim limit | Excess payment (per claim) |
|---|---|---|
| Cancellation (specific situations only) | Up to a maximum total limit per cardholder or spouse of $25,000 (dependants are included in the limit available to the cardholder or spouse) | $600 |
| Rental vehicle excess | Rental vehicle damage or theft: Up to a maximum total limit of $10,000 per cardholder or spouse and/or dependants for Level 1 cards and $5,000 per cardholder or spouse and/or dependants for Level 2 cards Return of rental vehicle: | $600 |
| Additional expenses Note: This benefit has different sub-limits based on the situation, which we have listed separately. | Up to a maximum total limit of $200,000 | $600 |
| Resumption of journey (including following the death of a relative) | Up to $5,000 for a cardholder travelling with their spouse and/or dependants | $0 |
| Travel delay | Up to $500 per person for meal and accommodation expenses, up to a maximum total limit of $2,000 for a cardholder travelling with their spouse and/or dependants | $0 |
| Alternative transport | Up to $3,250 | $600 |
| Benefit | Claim limit | Excess 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. | Up to $15,000 for a cardholder travelling with their spouse and/or dependants subject to the following limits:
| $600 |
| Travel documents, transaction cards and traveller’s cheques | Up to a maximum total limit of $5,000 for a cardholder travelling with their spouse and/or dependants | $0 |
| Luggage delay | Up to $500 for a delay of 10 consecutive hours, and an additional $1,000 for a delay of 72 consecutive hours, with a maximum total limit of $1,500 per cardholder or spouse | $0 |
| Benefit | Claim limit | Excess payment (per claim) |
|---|---|---|
| Accidental death | $50,000 per cardholder $50,000 per spouse $25,000 per dependant Up to a maximum total limit of $150,000 | $0 |
| Funeral expenses | Up to $60,000 | $0 |
| Personal liability | Up to $2.5 million for Level 1 cards and up to $1 million for Level 2 cards | $0 |
Some of the key situations that aren't covered by Citi's complimentary credit card insurance include:
⚠️ Remember: Check the Citi card insurance policy booklet or call Allianz on 1800 072 791 (within Australia) 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.
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:
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 (within Australia) before you travel.
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 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.
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 condition | Conditions for cover |
|---|---|
| Allergies | If 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). |
| Asthma | If you have not had an asthma attack (exacerbation) that needed treatment from a medical adviser in the past 12 months. |
| Coeliac disease | If your condition has not required treatment by a medical adviser in the last 6 months. |
| Diabetes/glucose intolerance | If 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 weeks | If 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.
Call Allianz on 1800 072 791 (within Australia) 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.
If it's an emergency, call Allianz on +61 7 3305 7499 if you're overseas or 1800 072 791 if you're in Australia. Then, submit a claim as soon as possible by following these steps:
You will hear back about your claim within 10 business days, according to the online claims website.
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:
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.
Call Allianz on 1800 072 791 (within Australia) or submit your claim through the Allianz online claim portal at https://claims.agaassistance.com.au/.
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:
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:
Don’t have complimentary insurance on your credit card yet? Compare Citi credit cards or check out other cards that offer insurance.
From frequent flyer points and flights to travel bookings, shopping and gift cards, here’s how far Citi Rewards Points could take you.
I have booked and paid for a return flight to Sydney -Hong Kong Sydney in August 2018 with my Citibank Platinum card . I intend to take internal flights elsewhere . Am I covered by this travel insurance even is I dont purchase the internal travel with my credit card . I may end up in Italy via a lift of sorts . Thank you
Hi Amanda,
Thanks for your question. You are eligible for the insurance covers if the entire payment for the trip was charged to your eligible Citibank card prior to the commencement of the trip. The payment should be made on by one or a combination of the methods mentioned in Citibank’s insurance cover’s terms and conditions, which I emailed to you. Also, there are two Citibank platinum cards, please make sure to check which type of cover available for your credit card.
I hope this helps.
Cheers,
Liezl
I purchased my overseas airline ticket some time ago before I was granted a Citi Rewards Platinum credit card. I now have to pay for tours in both
Portugal and Spain which will amount to far more than the cost of the airline ticket. Will I be covered for the entire trip?
Hi Lesley,
Thanks for your inquiry.
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:
1. Charge the cost of the overseas travel ticket to your Citi card.
2. Book the ticket through the Citi Travel Program.
3. 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.
Hope this information helped.
Cheers,
Arnold
I purchased my overseas airline ticket before being granted a Citi Rewards
Platinum Credit Card. I have yet to pay for tours in both Portugal and Spain.
Will the insurance cover me for the full trip of about 26 days?
Hi Lesley,
Thanks for your inquiry.
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:
1. Charge the cost of the overseas travel ticket to your Citi card.
2. Book the ticket through the Citi Travel Program.
3. 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.
Hope this information helped.
Cheers,
Arnold
My husband and I will be travelling interstate with grandchildren, both under 21 years of age. Are they included in our insurance policy?
Hi Deslea,
Thanks for your question.
No, they will not be covered by this complimentary insurance. As per this card’s terms and conditions, dependent child means an unmarried child of a cardholder, up to and including the age of 21, who is primarily dependant on the cardholder for their maintenance and support and who travels with the cardholder for the entire journey or trip but does not include a child born on the journey or trip.
You have to take separate travel insurance for them. You may call Allianz Global Assistance (AGA), the issuer of this complimentary insurance and enquire whether you can add them to the policy.
Warm regards,
Liezl
What is the policy number to use when making a claim
Hi Corinne,
Thank you for your inquiry.
I’m afraid we do not have the policy number when claiming for the complimentary travel insurance attached to your Citibank credit card. It would be best to get in touch with Allianz Global Assistance directly to confirm. The general process on how to make a claim is actually outlined above.
Cheers,
May