Citi bank cards present a number of advantages, together with some beneficiant factors and miles incomes alternatives (relying on the cardboard you’ve gotten).
However, with regards to journey insurance coverage, let’s simply say it’s not essentially Citi playing cards’ robust go well with.
Nonetheless, there are Citibank journey insurance coverage advantages it’s best to learn about to make sure you use the suitable card when paying to your subsequent journey. Listed here are the first advantages related to Citi card journey insurance coverage.
Do Citi playing cards have journey insurance coverage?
Solely two Citi playing cards have journey insurance coverage, and every one has a unique set of advantages.
Should you use both of the 2 Citi bank cards listed above to pay for a automobile rental, Citi journey insurance coverage will defend any damages to a rental automobile as much as $50,000.
This quantity will cowl the price of repairs or the money worth of the automobile, whichever is decrease. It applies anyplace you lease a automobile — there aren’t any geographic limitations — so long as the rental interval is not than 31 days. Citibank journey insurance coverage covers unintended injury, theft, vandalism or a pure catastrophe, and any essential towing prices.
🤓Nerdy Tip
Citi’s rental automobile insurance coverage is secondary when renting a automobile throughout the U.S., however when you’re renting exterior of the nation, it switches to major protection.
With secondary insurance coverage, you must depend on another insurance coverage protection you’ve gotten earlier than Citi’s automobile rental insurance coverage kicks in. Major insurance coverage, alternatively, would be the first line of protection you’ve gotten.
Protection would not apply when you lease the automobile to another person or function a rental automobile as a rideshare automobile. It additionally solely covers the automobile, not any private accidents that may end result from an accident.
There are a number of kinds of autos which are excluded from protection. These embody:
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Vans, pickup vehicles, trailers, full-size vans on a truck chassis or leisure autos like campers and off-road autos.
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Bikes or motorized bikes.
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Industrial autos or cargo vans.
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Any automobile with fewer than 4 wheels.
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Vintage autos older than 20 years or that haven’t been made prior to now decade.
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Sport-utility vehicles or open, flat-bed vehicles.
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Any automobile that retails for over $50,000.
Costco Wherever Visa® Card by Citi journey insurance coverage advantages
Roadside help
When driving within the U.S., roadside help is accessible for Costco Wherever Visa® Card by Citi cardholders by calling 866-918-4670.
Roadside help is effective within the occasion of an accident, lack of gas or different automobile malfunction. Remember the fact that you’d nonetheless should pay for the help (like a tow truck, for instance), however this profit makes it straightforward to achieve somebody with one telephone name.
Citi card supplies entry to comparable help as a membership program like AAA. The distinction is that AAA’s annual payment covers roadside help charges whereas Citi’s protection would not; it solely supplies entry to somebody who may help you for a decreased fee.
Worldwide journey accident insurance coverage
The Costco Wherever Visa® Card by Citi consists of accident insurance coverage, which covers the cardholder or members of the family if they’re injured or killed when touring on a standard provider (any automobile that’s licensed to hold passengers like a bus, airplane, cruise ship or prepare).
You have to to have used the Citi card to cowl the whole price of the journey on that frequent provider for the profit to use. The utmost protection is $250,000.
Journey and emergency help
The Costco Wherever Visa® Card by Citi card supplies entry to a 24/7 concierge that can assist you with a disruption to your journey. This may embody medical help, referrals to a health care provider or authorized assist. It could additionally assist if you must modify journey plans.
Simply keep in mind, you’ll be chargeable for paying for any providers used, however the name is toll-free.
Citi® / AAdvantage® Govt World Elite Mastercard®journey insurance coverage protection
Baggage safety
Solely obtainable for the Citi® / AAdvantage® Govt World Elite Mastercard®, this baggage safety supplies protection in case your checked bag is stolen, misplaced or broken.
The insurance coverage covers as a lot as $3,000 per individual ($2,000 for New York residents), however solely kicks in when you use the cardboard or American AAdvantage miles to pay for the journey.
Journey cancellation and interruption insurance coverage
If a coated traveler has a medical emergency or dies, the Citi® / AAdvantage® Govt World Elite Mastercard® protection can present reimbursement for as much as $5,000 in eligible nonrefundable bills.
You would wish to make use of the cardboard or American AAdvantage miles to pay for the journey.
Journey delay safety
One other profit that’s reserved just for the Citi® / AAdvantage® Govt World Elite Mastercard® is journey delay safety. This protection kicks in in case your journey is delayed by at the very least six hours, and gives reimbursement for bills incurred through the delay, as much as $500 per journey.
This would come with cheap purchases like resort stays, rental automobiles and meals.
Does Citibank provide journey insurance coverage?
Each playing cards embody rental automobile protection, however past this, every has its personal set of advantages. Relying on which one you maintain, it could embody protection like journey delay safety or roadside help.
Individuals maintain Citi playing cards for a lot of causes, together with the flexibility to earn transferable Citi ThankYou Factors. However, the journey insurance coverage advantages are considerably restricted. You probably have a Citi card, assessment the journey insurance coverage perks earlier than you are taking off to know your protection.
The best way to maximize your rewards
You desire a journey bank card that prioritizes what’s essential to you. Listed here are our picks for the finest journey bank cards of 2024, together with these finest for: