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:
| Card | International travel insurance | Transit accident insurance | Interstate flight inconvenience insurance | Extended warranty insurance | Purchase cover insurance | Guaranteed pricing scheme | 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 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.
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 | Unlimited | $0 |
| Overseas emergency medical | Unlimited 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 income | Your 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 |
| Benefit | Claim limit | Excess 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 excess | Up 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 delay | Up 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 transport | Up to $2,500 | $200 |
| 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 $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:
| $200 |
| Travel documents, transaction cards and traveller’s cheques | Up 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 delay | Up to $500 per person up to a maximum total limit of $1,000 for a cardholder travelling with a spouse and/or dependants | $200 |
| Benefit | Claim limit | Excess payment (per claim) |
|---|---|---|
| Accidental death | $50,000 per cardholder $25,000 per spouse $5,000 per dependant | $0 |
| Funeral expenses | Up to $20,000 | $0 |
| Personal liability | Up to $2.25 million | $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 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 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 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 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 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.
This offer on the Citi Premier Credit Card gives you a way to get a $750 Luxury Escapes gift card. Is it worth it?
The Citi Premier includes a big bonus points offer, discounted annual fee options, lounge passes and more. Get the details here.
This Citi Clear Credit Card offer includes 0% on balance transfers for 24 months and complimentary insurances. Compare and apply here.
With huge 100,000 bonus points offer, plenty of choices for rewards and complimentary insurance, is the Citi Rewards Card right for you?
Get 80,000 bonus Velocity Points when you meet the spend requirement and earn 1 Citi Rewards points per $1 spent with the Citi Rewards Card.
Receive 100,000 bonus Flybuys points, 0% purchase offer and platinum-tier perks with this Citi Rewards Card offer.
This premium card offers 150,000 bonus Qantas Points, uncapped earn rates and unlimited complimentary airport lounge access through Priority Pass, with a $749 annual fee.
This no-frills card from Citi has no late fees, no annual fee ever and offers 0% interest balance transfers and purchases for the first 6 months.
The Citi Premier includes a big bonus points offer, discounted annual fee options, lounge passes and more. Get the details here.
The Citi Premier Qantas offers up to 100,000 bonus Qantas Points, airport lounge access, international travel insurance and a $350 annual fee that could be discounted in future years. Get the lowdown here.
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:
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.
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