Complimentary Insurance

For Citi Prestige, Citi Premier and Emirates World

Eligibility

All Citi cardholders are eligible for Purchase Cover Insurance for covered products:

• Purchased anywhere in the world; or
• Given as a gift to any permanent Australian resident,
  provided the whole purchase price of the covered products is charged to the cardholder's card.

When does cover apply?

Purchase Cover Insurance applies to covered products for 90 days after the date of purchase.

Summary of benefits

Purchase Cover covers covered products against theft, loss or damage anywhere in the world if the eligible cardholder or the recipient of the covered products has already taken possession of them and the eligible cardholder makes a claim within 21 days of the theft, loss or damage.

The liability for claims made pursuant to the Complimentary Purchase Cover insurance shall not exceed the lesser of:

• The actual amount charged to the cardholder's eligible credit card account to purchase the covered products; or
• A$10,000 per claim in respect of jewellery, watches and fine arts; or
• A$200,000 in any 12-month period in respect of any one cardholder's eligible credit card account.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Excess

You must pay the first A$100 for each Purchase Cover Insurance claim. An excess is not an additional fee charged by us at the time of making a claim. Rather it is the uninsured first portion of a loss for which you are otherwise covered (i.e. the amount that you must contribute towards each claim).

Guaranteed Pricing Scheme reimburses Citi cardholders for the difference in price, up to A$500, between a covered product they have purchased on their card and the same covered product advertised in a store produced catalogue.

Eligibility

All Citi credit card cardholders are eligible for the Guaranteed Pricing Scheme when the whole purchase price of a covered product is charged to the cardholder's card and the price difference is more than A$75.

What is covered?

We cover you for the difference in price, up to A$500, between the price of a covered product and the purchase price of the same item advertised in a store catalogue that is produced after you purchase the covered product, provided that:

• The cheaper covered product is new, the same model number and year and produced by the same manufacturer as the covered product purchased;
• The cheaper covered product is available from a store within a 25 kilometre radius of the store where you purchased the covered product; and
• You make a claim under this cover no later than 60 days after the purchase of your covered product and provide to us the store-catalogue advertising the cheaper covered product.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Cover limits

This cover section does not apply to covered products purchased or advertised exclusively on the internet.

If I need further clarification of the Complimentary Insurance Policy who should I call?

For general enquiries about your policy please contact AGA Assistance Australia Pty Ltd (Allianz Global Assistance) on 1800 072 791.

If you have a travel emergency, please contact +61 7 3305 7499 (we will accept a reverse charge call made through an international operator).

What Documents should I take with me when I am travelling overseas?

In the event that you need to make a claim under the International Travel Insurance Policy (especially if claiming whilst overseas), it will be necessary for you to confirm to us, or to our agents, that your overseas travel ticket was obtained by use of your eligible credit card account. Without this information, a claim may be delayed and it may not be possible for us or our agents to give approval for any overseas medical attention.

With this in mind you should take the following documents with you when you travel.

• The Full Terms and Conditions booklet
  - Download Allianz Complimentary Insurance Terms and Conditions (PDF)
• Copies of your overseas travel ticket; and either:
• Your eligible credit card account statement and/or credit card receipt to confirm the purchase of your overseas travel tickets; or
• Evidence that your overseas travel ticket was arranged under the Citi Travel program; or
• Evidence confirming that at least 15,000 Reward Points were redeemed and a copy of the Citi Reward points in exchange for your overseas travel ticket.
• Evidence confirming that the required number of Qantas Frequent Flyer points or Citi Miles (Skywards) were transferred by Citi, to your Qantas Frequent Flyer or Skywards Miles account in accordance with the Citi Qantas Frequent Flyer or Citi Miles Rewards program, and evidence confirming the redemption of said points in exchange for your overseas travel ticket.

For Citibank Select, Citi Premier Card, Citi Rewards Card and Emirates Citibank Platinum card holders

Eligibility

All Citi cardholders are eligible for Purchase Cover Insurance for covered products:

• Purchased anywhere in the world
• Given as a gift to any permanent Australian resident,
  provided the whole purchase price of the covered products is charged to the cardholder's card.

When does cover apply?

Purchase Cover Insurance applies to covered products for 90 days after the date of purchase.

What is covered?

Summary of benefits

Purchase Cover covers covered products against theft, loss or damage anywhere in the world if the eligible cardholder or the recipient of the covered products has already taken possession of them and the eligible cardholder makes a claim within 21 days of the theft, loss or damage.

The liability for claims made pursuant to the Complimentary Purchase Cover insurance shall not exceed the lesser of:

• The actual amount charged to the cardholder's eligible credit card account to purchase the covered products; or
• A$10,000 per claim in respect of jewellery, watches and fine arts; or
• A$200,000 in any 12-month period in respect of any one cardholder's eligible credit card account.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Excess

You must pay the first A$100 for each Purchase Cover Insurance claim. An excess is not an additional fee charged by us at the time of making a claim. Rather it is the uninsured first portion of a loss for which you are otherwise covered (i.e. the amount that you must contribute towards each claim).

Guaranteed Pricing Scheme reimburses Citi cardholders for the difference in price, up to A$500, between a covered product they have purchased on their card and the same covered product advertised in a store produced catalogue.

Eligibility

All Citi Credit Card cardholders are eligible for the Guaranteed Pricing Scheme when the whole purchase price of a covered product is charged to the cardholder's card and the price difference is more than A$75.

What is covered?

We cover you for the difference in price, up to A$500, between the price of a covered product and the purchase price of the same item advertised in a store catalogue that is produced after you purchase the covered product, provided that:

• The cheaper covered product is new, the same model number and year and produced by the same manufacturer as the covered product purchased;
• The cheaper covered product is available from a store within a 25 kilometre radius of the store where you purchased the covered product; and
• You make a claim under this cover no later than 60 days after the purchase of your covered product and provide to us the store-catalogue advertising the cheaper covered product.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Cover limits

This cover section does not apply to covered products purchased or advertised exclusively on the internet.

If I need further clarification of the Complimentary Insurance Policy who should I call?

For general enquiries about your policy please contact AGA Assistance Australia Pty Ltd (Allianz Global Assistance) on 1800 072 791.

If you have a travel emergency, please contact +61 7 3305 7499 (we will accept a reverse charge call made through an international operator).

What Documents should I take with me when I am travelling overseas?

In the event that you need to make a claim under the International Travel Insurance Policy (especially if claiming whilst overseas), it will be necessary for you to confirm to us, or to our agents, that your overseas travel ticket was obtained by use of your eligible credit card account. Without this information, a claim may be delayed and it may not be possible for us or our agents to give approval for any overseas medical attention.

With this in mind you should take the following documents with you when you travel.

• The Full Terms and Conditions booklet
  - Download Allianz Complimentary Insurance Terms and Conditions (PDF)
• Copies of your overseas travel ticket; and either:
• Your eligible credit card account statement and/or credit card receipt to confirm the purchase of your overseas travel tickets; or
• Evidence that your overseas travel ticket was arranged under the Citi Travel program; or
• Evidence confirming that at least 15,000 Reward Points were redeemed and a copy of the Citi Reward points in exchange for your overseas travel ticket.
• Evidence confirming that the required number of Qantas Frequent Flyer points or Citi Miles (Skywards) were transferred by Citi, to your Qantas Frequent Flyer or Skywards Miles account in accordance with the Citi Qantas Frequent Flyer or Citi Miles Rewards program, and evidence confirming the redemption of said points in exchange for your overseas travel ticket.

For Citibank CitiBusiness Gold Card Cardholders

Eligibility

All Citibank cardholders are eligible for Purchase Cover Insurance for covered products:

• Purchased anywhere in the world
• Given as a gift to any permanent Australian resident
  provided the whole purchase price of the covered products is charged to the cardholder's card.

When does cover apply?

Purchase Cover Insurance applies to covered products for 90 days after the date of purchase.

What is covered?

Summary of benefits

Purchase Cover covers covered products against theft, loss or damage anywhere in the world if the eligible cardholder or the recipient of the covered products has already taken possession of them and the eligible cardholder makes a claim within 21 days of the theft, loss or damage.

The liability for claims made pursuant to the Complimentary Purchase Cover insurance shall not exceed the lesser of:

• The actual amount charged to the cardholder's eligible credit card account to purchase the covered products; or
• A$3,000 per claim in respect of jewellery, watches and fine arts; or
• A$200,000 in any 12-month period in respect of any one cardholder's eligible credit card account.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Excess

You must pay the first A$100 for each Purchase Cover Insurance claim. An excess is not an additional fee charged by us at the time of making a claim. Rather it is the uninsured first portion of a loss for which you are otherwise covered (i.e. the amount that you must contribute towards each claim).

Guaranteed Pricing Scheme reimburses all Citibank cardholders for the difference in price, up to A$500, between a covered product they have purchased on their card and the same covered product advertised in a store produced catalogue.

Eligibility

All Citibank cardholders are eligible for Guaranteed Pricing Scheme when the whole purchase price of a covered product is charged to the cardholder's card and the price difference is more than A$75.

What is covered?

We cover you for the difference in price, up to A$500, between the price of a covered product and the purchase price of the same item advertised in a store catalogue that is produced after you purchase the covered product, provided that:

• The cheaper covered product is new, the same model number and year and produced by the same manufacturer as the covered product purchased
• The cheaper covered product is available from a store within a 25 kilometre radius of the store where you purchased the covered product, and
• You make a claim under this cover no later than 60 days after the purchase of your covered product and provide to us the store catalogue advertising the cheaper covered product

Cover limits

This cover section does not apply to covered products purchased or advertised exclusively on the internet.

If I need further clarification of the Complimentary Insurance Policy who should I call?

For general enquiries about your policy please contact AGA Assistance Australia Pty Ltd (Allianz Global Assistance) on 1800 072 791.

If you have a travel emergency, please contact +61 7 3305 7499 (we will accept a reverse charge call made through an international operator).

I purchased my International Travel Tickets on a non eligible Citi Credit Card but have now Upgraded to an eligible Citi Credit Card am I covered?

No - In order to be covered by the Complimentary Travel Insurance you need to have purchased your overseas travel ticket (but not taxes or airport or travel agent charges) prior to the commencement date of your journey with an eligible Citibank Credit Card. Eligible Credit Cards include Citibank Select, Citi Premier Card, Citi Rewards Card, Emirates Citibank Platinum and CitiBusiness Gold Credit Card.

Eligibility

All Citibank cardholders are eligible for Purchase Cover Insurance for covered products:

• Purchased anywhere in the world; or
• Given as a gift to any permanent Australian resident,
  provided the whole purchase price of the covered products is charged to the cardholder's card.

When does cover apply?

Purchase Cover Insurance applies to covered products for 90 days after the date of purchase.

What is covered?

Summary of benefits

Purchase Cover covers covered products against theft, loss or damage anywhere in the world if the eligible cardholder or the recipient of the covered products has already taken possession of them and the eligible cardholder makes a claim within 21 days of the theft, loss or damage.

The liability for claims made pursuant to the Complimentary Purchase Cover insurance shall not exceed the lesser of:

• The actual amount charged to the cardholder's eligible credit card account to purchase the personal goods; or
• A$1,000 per claim in respect of jewellery, watches and fine arts; or
• A$50,000 in any 12-month period in respect of any one cardholder's eligible credit card account.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Excess

You must pay the first A$100 for each Purchase Cover Insurance claim. An excess is not an additional fee charged by us at the time of making a claim. Rather it is the uninsured first portion of a loss for which you are otherwise covered (i.e. the amount that you must contribute towards each claim).

Guaranteed Pricing Scheme reimburses all Citibank cardholders for the difference in price, up to A$500, between a covered product they have purchased on their card and the same covered product advertised in a store produced catalogue.

Eligibility

All Citibank cardholders are eligible for Guaranteed Pricing Scheme when the whole purchase price of a covered product is charged to the cardholder's card and the price difference is more than A$75.

What is covered?

We cover you for the difference in price, up to A$500, between the price of a covered product and the purchase price of the same item advertised in a store catalogue that is produced after you purchase the covered product, provided that:

• The cheaper covered product is new, the same model number and year and produced by the same manufacturer as the covered product purchased;
• The cheaper covered product is available from a store within a 25 kilometre radius of the store where you purchased the covered product; and

you make a claim under this cover no later than 60 days after the purchase of your covered product and provide to us the store-catalogue advertising the cheaper covered product

Cover limits

This cover section does not apply to covered products purchased or advertised exclusively on the internet.

If I need further clarification of the Complimentary Insurance Policy who should I call?

For general enquiries about your policy please contact AGA Assistance Australia Pty Ltd (Allianz Global Assistance) on 1800 072 791.

If you have a travel emergency, please contact +61 7 3305 7499 (we will accept a reverse charge call made through an international operator).

I purchased my International Travel Tickets on a non eligible Citi Credit Card but have now Upgraded to an eligible Citi Credit Card am I covered?

No - In order to be covered by the Complimentary Travel Insurance you need to have purchased your overseas travel ticket (but not taxes or airport or travel agent charges) prior to the commencement date of your journey with an eligible Citibank Credit Card. Eligible Credit Cards include Citibank Select, Citi Premier Card, Citi Rewards Card, Emirates Citibank Platinum and CitiBusiness Gold Credit Card.

For Citi Simplicity and Citi Clear Card cardholders

Eligibility

All Citi cardholders are eligible for Purchase Cover Insurance for covered products:

• Purchased anywhere in the world
• Given as a gift to any permanent Australian resident,
  provided the whole purchase price of the covered products is charged to the cardholder's card.

When does cover apply?

Purchase Cover Insurance applies to covered products for 90 days after the date of purchase.

What is covered?

Summary of benefits

Purchase Cover covers covered products against theft, loss or damage anywhere in the world if the eligible cardholder or the recipient of the covered products has already taken possession of them and the eligible cardholder makes a claim within 21 days of the theft, loss or damage.

The liability for claims made pursuant to the Complimentary Purchase Cover insurance shall not exceed the lesser of:

• The actual amount charged to the cardholder's eligible credit card account to purchase the covered products; or
• A$10,000 per claim in respect of jewellery, watches and fine arts; or
• A$200,000 in any 12-month period in respect of any one cardholder's eligible credit card account.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Excess

You must pay the first A$100 for each Purchase Cover Insurance claim. An excess is not an additional fee charged by us at the time of making a claim. Rather it is the uninsured first portion of a loss for which you are otherwise covered (i.e. the amount that you must contribute towards each claim).

Guaranteed Pricing Scheme reimburses Citi cardholders for the difference in price, up to A$500, between a covered product they have purchased on their card and the same covered product advertised in a store produced catalogue.

Eligibility

All Citi Credit Card cardholders are eligible for the Guaranteed Pricing Scheme when the whole purchase price of a covered product is charged to the cardholder's card and the price difference is more than A$75.

What is covered?

We cover you for the difference in price, up to A$500, between the price of a covered product and the purchase price of the same item advertised in a store catalogue that is produced after you purchase the covered product, provided that:

• The cheaper covered product is new, the same model number and year and produced by the same manufacturer as the covered product purchased;
• The cheaper covered product is available from a store within a 25 kilometre radius of the store where you purchased the covered product; and
• You make a claim under this cover no later than 60 days after the purchase of your covered product and provide to us the store-catalogue advertising the cheaper covered product.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Cover limits

This cover section does not apply to covered products purchased or advertised exclusively on the internet.

If I need further clarification of the Complimentary Insurance Policy who should I call?

For general enquiries about your policy please contact AGA Assistance Australia Pty Ltd (Allianz Global Assistance) on 1800 072 791.

If you have a travel emergency, please contact +61 7 3305 7499 (we will accept a reverse charge call made through an international operator).

What Documents should I take with me when I am travelling overseas?

In the event that you need to make a claim under the International Travel Insurance Policy (especially if claiming whilst overseas), it will be necessary for you to confirm to us, or to our agents, that your overseas travel ticket was obtained by use of your eligible credit card account. Without this information, a claim may be delayed and it may not be possible for us or our agents to give approval for any overseas medical attention.

With this in mind you should take the following documents with you when you travel.

• The Full Terms and Conditions booklet
  - Download Allianz Complimentary Insurance Terms and Conditions (PDF)
• Copies of your overseas travel ticket; and either:
• Your eligible credit card account statement and/or credit card receipt to confirm the purchase of your overseas travel tickets; or
• Evidence that your overseas travel ticket was arranged under the Citi Travel program; or
• Evidence confirming that at least 15,000 Reward Points were redeemed and a copy of the Citi Reward points in exchange for your overseas travel ticket.
• Evidence confirming that the required number of Qantas Frequent Flyer points or Citi Miles (Skywards) were transferred by Citi, to your Qantas Frequent Flyer or Skywards Miles account in accordance with the Citi Qantas Frequent Flyer or Citi Miles Rewards program, and evidence confirming the redemption of said points in exchange for your overseas travel ticket.