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.
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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.
Hi,I have booked my flights with Citibank Platinum Rewards Credit Card to another town in the same state as well a hire car when I get there. Does my card cover my Rental Vehicle excess insurance?
Regards
Roy
Hi Roy,
Thanks for your question.
Rental vehicle excess is only provided as part of the international travel insurance cover, so is not available domestically.
I hope this has helped.
Thanks,
Elizabeth
Hi,
I have bought a ticket for me,my wife and my daughter (age 22) using Citi Rewards Platinum Card. But, I have bought to and fro tickets separately from different airlines. We are all traveling together.
1. Am I eligible from complimentary Travel Insurance?
2. Is my daughter eligible for Complementary Travel Insurance?
Raj
Hi Raj,
Thanks for your question.
According to the Citibank website, ‘Citibank Rewards cardholders are eligible for International Travel Insurance, if their travel is for no more than six consecutive months or less and when prior to leaving Australia their overseas travel ticket is purchased on their card’.
Unfortunately, as your daughter is over the age of 21 she is no longer able to be covered by the policy.
I hope this has helped.
Thanks,
Elizabeth
I bought an international flight ticket ( also one for my adult daughter ) with my Citibank signature credit card, How do I apply for complimentary travel insurance and would my daughter also be covered ?
Hi Janet,
Thanks for your question.
The international travel insurance cover is automatically activated when you purchase your ticket with your Citibank credit card. If your daughter is considered a ‘dependent’ then by purchasing her ticket on your card she is also covered by the insurance.
I hope this has helped.
Thanks,
Elizabeth
I will be holidaying in Tasmania soon. I did not buy my flight tickets with my Citibank Platinum Card, but I intend to hire a car with this card. Will I be covered for the car rental excess?
Hi David,
Thanks for your question.
Rental vehicle excess is only provided with Interstate Flight Inconvenience insurance for trips within Australia, and this isn’t offered with the Platinum cards. To be eligible for this insurance on the Citibank Select, Signatures and EmiratesWorld credit card you will need to pay for the entire cost of your return airfare on your credit card.
Hope this has helped.
Thanks,
Elizabeth
Hi,
I have a Citibank Platinum /Emirates credit card with which I bought air fairs to Europe for my husband and I, via Emirates. During our trip we will be taking a flight with Lufthansa, paid with the Citibank card- is this covered? Also do I have to inform Citibank/Zurich of the proposed travel and where can I obtain their policy documents?
Thanks
Maureen
Hi Maureen,
Thanks for your question.
You’ll be eligible for the travel insurance if you’ve purchase your overseas return ticket with your Citibank Platinum Emirates card prior to leaving Australia. There’s no need to inform them of this, but if you do make a claim you’ll need to be able to provide proof of purchase. I’ve emailed you their policy document.
Cheers,
Shirley