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No matter how well you plan, sometimes things go wrong!
If you’re like me, you probably have a moment of hesitation at the final mouse-click before purchasing a flight (the point of no return!). But Citi is helping to ease our worries with Citibank Travel Insurance.
I’ll show you how he was refunded for his ticket. And how you can be refunded too!
A Cancellation Success Story Using Citibank Travel Insurance!
Link: Citi Prestige® Card
According to a MyFICO user, Citi gave him a full refund on his airfare after filing a claim. He cancelled his flight 9 days before his departure date, and received his refund ~15 days after filing his claim!
The trip was originally scheduled for May 27th. I cancelled the flight directly with American Airlines on May 18th.
I initiated the claim process with Citi on June 1st, and submitted the requested documents June 9th. I got the approval email June 13th. That’s pretty much it.
Citi requested the following documents to process the refund:
- Original flight itinerary
- Copy of the credit card statement
- Proof of the cancelled itinerary
- Physician’s note proving an illness
A tolerable inconvenience for ~$1,650!
What Are Valid Reasons for Cancelling My Trip?
There are lots of reasons folks might need to cancel their trip. And Citi’s trip cancellation benefit will cover up to $5,000 per person, per trip of non-refundable expenses.
And these trip protection benefits apply to more people than just yourself! You can use this benefit for all covered travelers, including:
- Domestic partner and their children
- Adopted children and step-children
- Legal guardians
- Siblings or siblings-in-law
- Son-in-law or daughter-in-law
- Parents or parents-in-law
- Grandparents or grandchildren
- Aunts or uncles
- Nieces or nephews
- All traveling companions for whom you have paid to travel on your trip
Note: You will have to pay for your covered travelers’ trip with your Citi card in order for them to be eligible for coverage.
Citi will NOT reimburse you for merely changing your mind about a trip. But there are plenty of other reasons Citi WILL accept. You can read the full list here.
Illness or Personal Matters
Citi will reimburse your non-refundable ticket for medical or personal emergencies. Some examples of these are:
- You become sick or injured, and a doctor confirms in writing that it’s severe enough to interrupt or cancel your trip.
- A family member has an injury or illness that’s either life-threatening or requires your care.
- You are called to jury duty or receive a subpoena from the court, neither of which can be postponed.
Travel or Weather Issues
There are lots of other reasons to refund your travel, too. Like mistakes made by the airline, or weather issues.
Some examples are:
- You can’t travel because severe weather, a natural disaster, or a labor dispute causes all travel to or from your destination to stop for at least 24 hours.
- You can’t travel due to a quarantine or a hijacking.
- You miss more than half of your trip because of missed connections, delayed departures, denied boarding, traffic accidents on your way to a departure, or lost or stolen passports.
Note: This benefit also applies to award flights, but only for the portion of your ticket paid with cash, (airport taxes, fuel surcharges, etc.), or Citi ThankYou points. You will NOT be refunded airline miles.
How Do I File a Claim With Citibank Travel Insurance?
Filing a claim is quick and easy, especially if you keep your itineraries and receipts handy.
Step 1 – Navigate to CardBenefits.Citi.Com
Go to the Citi Card Benefits website and sign-on to view your credit cards. From here you will be able to see all the benefits that come with each card.
Step 2 – Click on Trip Cancellation & Interruption Protection
Scroll towards the bottom of the page until you find your card’s benefits. Find the Trip Cancellation benefit and click on it.
Step 3 – Download a Claim Form
Scroll towards the bottom of the page until you find the “How To File a Claim” box. Click “Download a Claim Form.”
Step 4 – Send the Claim Form
The form is 3 pages long and tells you which documents you should attach to support your claim (flight itinerary, doctor’s note, proof of cancellation, etc.).
You can send your form and the supporting documents by mail, fax, or email. You’ll need to submit your claim to Citi within 180 days of your cancelled trip.
I’m very happy to see an example of a smooth trip reimbursement experience from Citi! This is a VERY helpful benefit that adds a lot of value to their cards! You can read my reviews of the Citi Prestige and Citi ThankYou Premier.
There are other cards with similar trip cancellation benefits, like the Chase Sapphire Preferred® Card. With the Chase Sapphire Preferred, you will get up to $10,000 per incident when you need to cancel your trip (Citi cards offer $5,000).
This means you’re covered if you use points that you’ve earned through Chase Ultimate Rewards or its affiliate programs. This includes airline and hotel transfer partners like United Airlines, Singapore Airlines, and Hyatt.
It’s up to the claims administrator to decide if you’ll be reimbursed for the monetary value of the award, or at 1 cent per point. Both choices have a $10,000 maximum possible refund.
Bottom Line About Citibank Travel Insurance
It’s reassuring to see Citi’s trip cancellation benefits in action! The process sounds quick and painless.
If you pay for your flight with any Citi card, you are eligible for Citi’s trip cancellation benefit. This will cover up to $5,000 per person, per trip of non-refundable expenses. But you’ll have to fall into one of the categories listed in the benefits guide.
Trip cancellation & interruption is a valuable perk I hope none of us will ever need! But let me know in the comments if you’ve had similar success!