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Complimentary Insurance

Many of our Citi credit card cardholders are eligible for complimentary insurance cover. Check below to see if your
credit card provides any complimentary insurance covers.


 

If you need to make a travel claim, we encourage you to do so online. If you are looking for information about the impact of COVID-19 on travel insurance, please refer to our FAQs.

Citi complimentary credit card insurance cover is issued and managed by AWP Australia Pty Limited (trading as Allianz Global Assistance) on behalf of the insurer Allianz Australia Insurance Limited.

For each complimentary insurance cover you are eligible for, please ensure you take the time to review the full terms and conditions. When you do, make sure you pay special attention to the benefits, eligibility and exclusions. It is particularly important to do this before travelling or purchasing goods as your cover may not be sufficient for your personal circumstances.

Complimentary Insurance Terms and Conditions - Effective 19 January 2020

 

Guaranteed Pricing Scheme

Purchase Cover Insurance

International Travel Insurance

Extended Warranty Insurance

Transit Accident Insurance

Interstate Flight Inconvenience

Citi Prestige

Citi Premier Card

Citi Rewards Card

X

Emirates Citi World Mastercard®

Citi Clear Card

X

X

Citi Simplicity

X

X

CitiBusiness Gold Credit Card

X

X

Citi Gold Mastercard

X

X

X

X

Citi Rewards Credit Card Classic

X

X

X

X

Additional Information

  • International Travel

    International Travel Insurance for Prestige, Citi Premier and Emirates World Cardholders

    Eligibility

    Citi Prestige, Citi Premier Card and Emirates Citibank World® Cardholders are eligible for International Travel Insurance, if their journey commences in Australia; if they were permanently residing in Australia at the time their journey commenced; if their travel is for no more than six (6) consecutive months or less and when prior to leaving Australia their overseas travel ticket (but not taxes or airport or travel agent charges) was obtained by one or a combination of the following methods:

    • charging the cost of the overseas travel ticket to the cardholder's card; or
    • obtaining the overseas travel ticket under the Citibank Travel Program; or
    • obtaining the overseas travel ticket via the cardholder's airline frequent flyer program, provided that a minimum of 15,000 points were transferred to that frequent flyer program from points earned on a Citi Card or via Citi Rewards, over a 12 month period prior to obtaining the overseas travel ticket; and
    • the person is a cardholder at the time they obtain their overseas travel ticket.

    What is covered?

    The table below shows the limits that apply and an outline of the cover available. Please read the entire policy to make sure that you understand the details of the cover provided and to ensure it meets your requirements.

    Medical & hospital expenses Cover for unexpected medical and hospital expenses, except bed care patient allowance (i.e. miscellaneous expenses such as phone calls & TV rental) of A$110 per day is limited to A$13,000 per person to maximum of A$16,500 in total for a cardholder travelling with their spouse and/or dependent children. No cover for pre-existing medical conditions, unless prior approval given and the administrative fee paid.
    Personal belongings and business items Limit of A$16,000 per person up to a maximum A$32,000 for a family subject to the following limits. (However, property left unattended in a motor vehicle is only insured up to a value of A$250 per item to a maximum of A$2,500 in total and business effects are only insured for A$3,000 in total):
    • clothing and personal valuables A$5,000/item
    • portable electrical equipment and binoculars A$5,000/item
    • cameras and associated equipment/accessories A$5,000/camera
    • laptop computers and associated equipment/accessories A$5,000 in total
    • travel documents, travellers cheques, credit cards and cash etc, A$600/person, cash to a maximum of A$1,100 for a family
    • emergency replacement of your clothes and toiletries A$500/person to a maximum of A$1,000 for a family.
    Unexpected cancellation of travel arrangements and other unexpected expenses Cover for event, travel and unexpected expenses, except for travel agents cancellation fee, which is limited to an amount equal to the lesser of A$500 or 15% of the value of the travel arranged by the agent. Also, cover for the financial insolvency or financial collapse of a licensed service provider is limited to A$5,000 per person up to a maximum of A$12,000 for a family.
    Resumption of Journey Limit of A$6,000 per person up to a maximum A$12,000 for a family.
    Special event Limit of A$2,250 for the reasonable cost of arranging alternative public transport in order to attend a special event. Where your journey is for the purpose of attending a special event and your journey is interrupted or delayed by any unexpected cause outside of your control; and the special event cannot be delayed.
    Rental vehicle excess Limit of A$2,750.
    Travel delay For reasonable additional meal & accommodation costs after 6-hour delay, limit to A$475 per person up to a maximum of A$1,100 for a family.
    Funeral expenses Limit of A$20,000 for overseas funeral/cremation or return of remains to Australia.
    Accidental death In the event of accidental death, we will pay A$50,000 per cardholder, A$25,000 per spouse and A$5,000 per Dependent child.
    Loss of income Up to three consecutive months or A$12,000, whichever comes first. Where a cardholder and spouse both claim, up to a maximum of A$1,250 per person per week.
    Legal liability Limit of A$2,250,000.

     

  • Interstate Flight Inconvenience

    Interstate Flight Inconvenience Insurance for Citi Prestige, Citi Premier and Emirates World

    Interstate Flight Inconvenience Insurance covers eligible cardholders for up to 14 days when travelling within Australia for:

    • Loss or theft of personal belongings
    • Emergency replacement of luggage when a flight is delayed
    • Cancellation of travel arrangements due to unexpected circumstances
    • Reimbursement of any rental vehicle excess or deductible
    • Reimbursement of additional meal and refreshment expenses due to flight delay, and
    • Funeral expenses.

    Eligibility

    Citi Prestige, Citi Premier and Emirates World cardholders are eligible for Interstate Flight Inconvenience Insurance on interstate flights if,

    • The entire cost of the return interstate flight (excluding taxes and airport and travel agent charges) is charged to the cardholder's card prior to commencing the journey, and
    • Where the travel is for 14 consecutive days or less.

    If the cardholder is eligible for this insurance, the cardholder's spouse and dependent children are also eligible for this insurance provided:

    • The entire cost of the return interstate flight (excluding taxes and airport and travel agent charges) is charged to the cardholder's card prior to commencing the journey
    • Where the travel is for 14 consecutive days or less, and
    • They are travelling with the cardholder for the entire journey.

    Please note that you will not be eligible for cover under Interstate Flight Inconvenience Insurance if your travel is greater than 14 consecutive days.

    What is covered?

    The table below shows the limits that apply and an outline of the cover available for Citi Prestige, Citi Premier and Emirates World, their spouses and dependent child/children. Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

    Personal belongings and business items A$750 for each item up to A$1,500
    Luggage delay A$150 per person up to A$450
    Flight delay
    Unexpected Cancellation: A$3000
    Rental vehicle insurance excess A$2,250
    • 4 hours or more, A$80 per person up to A$300
    • 10 hours or more, another A$80 per person up to A$300
    Missed connection 4 hours or more, A$80 per person up to A$300
    Funeral expenses A$2,500 per person up to A$7,000
    Unexpected Cancellation A$3,000
    Rental Vehicle Insurance A$2,250

     

  • Transit Accident

    Transit Accident Insurance for Citi Prestige, Citi Premier and Emirates World Cardholders

    Eligibility

    Citi Prestige, Citi Premier and Emirates World Cardholders, spouses and/or dependent children are eligible for Transit Accident Insurance if the entire payment for the trip was charged to the cardholder's card prior to the commencement of the trip.

    If the cardholder is eligible for this insurance, the cardholder's spouse and dependent children are also eligible for this insurance provided:

    • They are travelling with the cardholder on the entire trip; and
    • The entire payment for their trip was charged to the cardholder's card prior to the commencement of the trip.

    What is covered?

    This cover provides certain accidental death and injury cover for cardholders who whilst outside Australia sustain an injury while riding as a passenger in (not as a pilot, driver or crewmember), or boarding or alighting a plane, tourist bus, train or ferry as outlined in this policy. If a person sustains more than one injury resulting from one accident, only the Benefit Amount for the greater injury will be paid. The injury must have been sustained as a direct result of an accident whilst on a trip, and occur within 12 months of the accident. Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

    Citi Prestige, Citi Premier and Emirates World

    Injury Benefit Amount
      Cardholder Spouse Dependent
    Loss of Life A$500,000 A$250,000 A$125,000
    Loss of both hands and/or both feet A$500,000 A$250,000 A$125,000
    Loss of one hand in conjunction with one foot A$500,000 A$250,000 A$125,000
    Loss of the entire sight of both eyes A$500,000 A$250,000 A$125,000
    Loss of the entire sight of one eye in conjunction with and one hand and/or one foot A$500,000 A$250,000 A$125,000
    Loss of one hand or one foot A$250,000 A$125,000 A$62,500
    Loss of the entire sight of one eye A$250,000 A$125,000 A$62,500

     

     

     

  • Purchase Cover

    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

    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.

  • Extended Warranty

    Extended Warranty Insurance is a benefit available to Citi Prestige, Citi Premier and Emirates World

    The cover extends the manufacturer's expressed warranty on personal goods purchased, provided the purchase is charged to the cardholder's eligible Citibank credit card account.

    The insurance cover provided in respect of the purchase of personal goods comes into effect at the end of the manufacturer's registered written warranty that applies to the personal goods.

    For Example:

    Australian warranty period Extended warranty period
    7 days 7 days
    14 days 14 days
    1 month 1 month
    6 months 6 months
    1 to 5 years 1 years
    Over 5 years No cover

     

    This Extended Warranty Insurance only covers the failure of personal goods to operate for the purpose for which they were designed as a result of a breakdown or defect, provided the breakdown or defect is covered by the terms of the warranty. 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 Extended Warranty 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).

  • Frequently Asked Questions

    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.
  • Make a Claim

    If you want to make a claim, please contact Allianz Global Assistance directly.

    If you have a travel emergency overseas, please call Allianz Global Assistance (reverse charge/collect) any time from any place in the world. You can usually do this by phoning the operator where you are and booking a reverse charge call to Australia +61 7 3305 7499.

    Allianz Global Assistance has a team of medical professionals who are only a phone call away and are available 24 hours a day, 7 days a week for advice and assistance in the event of a medical emergency and any associated problems for travellers outside Australia.

    If you are in Australia (or when you return to Australia) and you wish to make a claim, you must lodge a claim with us within 30 days of, or as soon as possible of, learning of any loss, damage, injury or breakdown that may result in a claim. Or if you are overseas, you can lodge a claim within 30 days or as soon as possible after returning to Australia. You can lodge a claim by calling Allianz Global Assistance on 1800 072 791.

  • International Travel

    International Travel Insurance for Citi Rewards Card and Emirates Citibank Platinum card holders

    Eligibility

    Citi Rewards Card and Emirates Citibank Platinum card holders are eligible for International Travel Insurance, if their journey commences in Australia; if they were permanently residing in Australia at the time their journey commenced; if their travel is for no more than six (6) consecutive months or less and when prior to leaving Australia their overseas travel ticket (but not taxes or airport or travel agent charges) was obtained by one or a combination of the following methods:

    • charging the cost of the overseas travel ticket to the cardholder's card; or
    • obtaining the overseas travel ticket under the Citibank Travel Program; or
    • obtaining the overseas travel ticket via the cardholder's airline frequent flyer program, provided that a minimum of 15,000 points were transferred to that frequent flyer program from points earned on a Citi Card or via Citi Rewards, over a 12 month period prior to obtaining the overseas travel ticket; and
    • the person is a cardholder at the time they obtain their overseas travel ticket.

    What is covered?

    The table below shows the limits that apply and an outline of the cover available. Please read the entire policy to make sure that you understand the details of the cover provided and to ensure it meets your requirements.

    Medical & hospital expenses Cover for unexpected medical and hospital expenses, except bed care patient allowance (i.e. miscellaneous expenses such as phone calls & TV rental) of A$110 per day is limited to A$13,000 per person to maximum of A$16,500 in total for a cardholder travelling with their spouse and/or dependent children. No cover for pre-existing medical conditions, unless prior approval given and the administrative fee paid.
    Personal belongings and business items Limit of A$16,000 per person up to a maximum A$32,000 for a family subject to the following limits. (However, property left unattended in a motor vehicle is only insured up to a value of A$250 per item to a maximum of A$2,500 in total and business effects are only insured for A$3,000 in total):
    • clothing and personal valuables A$5,000/item
    • portable electrical equipment and binoculars A$5,000/item
    • cameras and associated equipment/accessories A$5,000/camera
    • laptop computers and associated equipment/accessories A$5,000 in total
    • travel documents, travellers cheques, credit cards and cash etc, A$600/person, cash to a maximum of A$1,100 for a family
    • emergency replacement of your clothes and toiletries A$500/person to a maximum of A$1,000 for a family.
    Unexpected cancellation of travel arrangements and other unexpected expenses Cover for event, travel and unexpected expenses, except for travel agents cancellation fee, which is limited to an amount equal to the lesser of A$500 or 15% of the value of the travel arranged by the agent. Also, cover for the financial insolvency or financial collapse of a licensed service provider is limited to A$5,000 per person up to a maximum of A$12,000 for a family.
    Resumption of Journey Limit of A$6,000 per person up to a maximum A$12,000 for a family.
    Special event Limit of A$2,250 for the reasonable cost of arranging alternative public transport in order to attend a special event. Where your journey is for the purpose of attending a special event and your journey is interrupted or delayed by any unexpected cause outside of your control; and the special event cannot be delayed.
    Rental vehicle excess Limit of A$2,750.
    Travel delay For reasonable additional meal & accommodation costs after 6-hour delay, limit to A$475 per person up to a maximum of A$1,100 for a family.
    Funeral expenses Limit of A$20,000 for overseas funeral/cremation or return of remains to Australia.
    Accidental death In the event of accidental death, we will pay A$50,000 per cardholder, A$25,000 per spouse and A$5,000 per dependant child.
    Loss of income Up to three consecutive months or A$12,000, whichever comes first. Where a cardholder and spouse both claim, up to a maximum of A$1,250 per person per week.
    Legal liability Limit of A$2,250,000.

     

  • Transit Accident

    Transit Accident Insurance for Citi Rewards Card and Emirates Citibank Platinum card holders

    Eligibility

    Citi Rewards Card and Emirates Citibank Platinum card holders, spouses and/or dependent children are eligible for Transit Accident Insurance if the entire payment for the trip was charged to the cardholder's card prior to the commencement of the trip.

    If the cardholder is eligible for this insurance, the cardholder's spouse and dependent children are also eligible for this insurance provided:

    • They are travelling with the cardholder on the entire trip; and
    • The entire payment for their trip was charged to the cardholder's card prior to the commencement of the trip.

    What is covered?

    This cover provides certain accidental death and injury cover for cardholders who whilst outside Australia sustain an injury while riding as a passenger in (not as a pilot, driver or crewmember), or boarding or alighting a plane, tourist bus, train or ferry as outlined in this policy. If a person sustains more than one injury resulting from one accident, only the Benefit Amount for the greater injury will be paid. The injury must have been sustained as a direct result of an accident whilst on a trip, and occur within 12 months or the accident. Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

    Citi Rewards Card and Emirates Citibank Platinum card holders

    Injury Benefit Amount
      Cardholder Spouse Dependent
    Loss of Life A$500,000 A$250,000 A$125,000
    Loss of both hands and/or both feet A$500,000 A$250,000 A$125,000
    Loss of one hand in conjunction with one foot A$500,000 A$250,000 A$125,000
    Loss of the entire sight of both eyes A$500,000 A$250,000 A$125,000
    Loss of the entire sight of one eye in conjunction with and one hand and/or one foot A$500,000 A$250,000 A$125,000
    Loss of one hand or one foot A$250,000 A$125,000 A$62,500
    Loss of the entire sight of one eye A$250,000 A$125,000 A$62,500

     

  • Purchase Cover

    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

    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.

  • Extended Warranty

    Extended Warranty Insurance is a benefit available to Citi Rewards Card and Emirates Citibank Platinum cardholders.

    The cover extends the manufacturer's expressed warranty on personal goods purchased, provided the purchase is charged to the cardholder's eligible Citi credit card account.

    The insurance cover provided in respect of the purchase of personal goods comes into effect at the end of the manufacturer's registered written warranty that applies to the personal goods.

    For Example:

    Australian warranty period Extended warranty period
    7 days 7 days
    14 days 14 days
    1 month 1 month
    6 months 6 months
    1 to 5 years 1 years
    over 5 years No cover

    This Extended Warranty Insurance only covers the failure of personal goods to operate for the purpose for which they were designed as a result of a breakdown or defect, provided the breakdown or defect is covered by the terms of the warranty. 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 Extended Warranty 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).

  • Frequently Asked Questions

    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.
  • Make a Claim

    If you want to make a claim, please contact Allianz Global Assistance directly.

    If you have a travel emergency overseas, please call Allianz Global Assistance (reverse charge/collect) any time from any place in the world. You can usually do this by phoning the operator where you are and booking a reverse charge call to Australia +61 7 3305 7499.

    Allianz Global Assistance has a team of medical professionals who are only a phone call away and are available 24 hours a day, 7 days a week for advice and assistance in the event of a medical emergency and any associated problems for travellers outside Australia.

    If you are in Australia (or when you return to Australia) and you wish to make a claim, you must lodge a claim with us within 30 days of, or as soon as possible of, learning of any loss, damage, injury or breakdown that may result in a claim. Or if you are overseas, you can lodge a claim within 30 days or as soon as possible after returning to Australia. You can lodge a claim by calling Allianz Global Assistance on 1800 072 791.

  • International Travel

    Eligibility

    Citibank Rewards Credit Card - CitiBusiness Gold Credit Card cardholders are eligible for International Travel Insurance, if their journey commences in Australia; if they were permanently residing in Australia at the time their journey commenced; if their travel is for no more than six (6) consecutive months or less and when prior to leaving Australia their overseas travel ticket (but not taxes or airport or travel agent charges) was obtained by one or a combination of the following methods:

    • charging the cost of the overseas travel ticket to the cardholder's card; or
    • obtaining the overseas travel ticket under the Citibank Travel Program; or
    • obtaining the overseas travel ticket via the cardholder's airline frequent flyer program, provided that a minimum of 15,000 points were transferred to that frequent flyer program from points earned on a Citibank Card or via Citi Rewards, over a 12 month period prior to obtaining the overseas travel ticket; and
    • the person is a cardholder at the time they obtain their overseas travel ticket.

    What is covered?

    The table below shows the limits that apply and an outline of the cover available for CitiBusiness Gold Credit Card Cardholders, their spouses and dependent child/children. Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

    Medical & hospital expenses Cover for unexpected medical and hospital expenses, except bed care patient allowance (i.e. miscellaneous expenses such as phone calls & TV rental) of A$110 per day is limited to A$5,000 per person to maximum of A$7,500 in total for a cardholder travelling with their spouse and/or dependent children. No cover for pre-existing medical conditions, unless prior approval given and the administrative fee paid.
    Personal belongings and business items Limit of A$11,000 per person up to a maximum A$16,000 for a family subject to the following limits. (However, property left unattended in a motor vehicle is only insured up to a value of A$250 per item to a maximum of A$2,500 in total and business effects are only insured for A$3,000 in total):
    • clothing and personal valuables A$3,000/item
    • portable electrical equipment and binoculars A$3,000/item
    • cameras and associated equipment/accessories A$3,000/camera
    • laptop computers and associated equipment/accessories A$3,000 in total
    • travel documents, travellers cheques, credit cards and cash etc, A$500/person, cash to a maximum of A$1,000 for a family
    • emergency replacement of your clothes and toiletries A$500/person to a maximum of A$1,000 for a family.
    Unexpected cancellation of travel arrangements and other unexpected expenses Cover for event, travel and unexpected expenses, except for travel agents cancellation fee, which is limited to an amount equal to the lesser of A$500 or 15% of the value of the travel arranged by the agent. Also, cover for the financial insolvency or financial collapse of a licensed service provider is limited to A$5,000 per person up to a maximum of A$12,000 for a family.
    Resumption of Journey Limit of A$5,000 per person up to a maximum A$10,000 for a family.
    Special event Limit of A$2,250 for the reasonable cost of arranging alternative public transport in order to attend a special event. Where your journey is for the purpose of attending a special event and your journey is interrupted or delayed by any unexpected cause outside of your control; and the special event cannot be delayed.
    Rental vehicle excess Limit of A$2,250.
    Travel delay For reasonable additional meal & accommodation costs after 6-hour delay, limit to A$275 per person up to a maximum of A$700 for a family.
    Funeral expenses Limit of A$15,000 for overseas funeral/cremation or return of remains to Australia.
    Accidental death In the event of accidental death, we will pay A$25,000 per cardholder, A$20,000 per spouse and A$5,000 per dependant child.
    Loss of income Up to three Consecutive months or A$8,000, whichever comes first. Where a cardholder and spouse both claim, up to a maximum of A$750 per person per week
    Legal liability Limit of A$2,250,000.

     

  • Purchase Cover

    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

    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.

  • Frequently Asked Questions

    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.

  • Make a claim

    If you want to make a claim, please contact Allianz Global Assistance directly.

    If you have a travel emergency overseas, please call Allianz Global Assistance (reverse charge/collect) any time from any place in the world. You can usually do this by phoning the operator where you are and booking a reverse charge call to Australia +61 7 3305 7499.

    Allianz Global Assistance has a team of medical professionals who are only a phone call away and are available 24 hours a day, 7 days a week for advice and assistance in the event of a medical emergency and any associated problems for travellers outside Australia.

    If you are in Australia (or when you return to Australia) and you wish to make a claim, you must lodge a claim with us within 30 days of, or as soon as possible of, learning of any loss, damage, injury or breakdown that may result in a claim. Or if you are overseas, you can lodge a claim within 30 days or as soon as possible after returning to Australia. You can lodge a claim by calling Allianz Global Assistance on 1800 072 791.

  • Purchase Cover

    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

    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.

  • Frequently Asked Questions

    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.

  • Make a claim

    If you want to make a claim, please contact Allianz Global Assistance directly.

    If you have a travel emergency overseas, please call Allianz Global Assistance (reverse charge/collect) any time from any place in the world. You can usually do this by phoning the operator where you are and booking a reverse charge call to Australia +61 7 3305 7499.

    Allianz Global Assistance has a team of medical professionals who are only a phone call away and are available 24 hours a day, 7 days a week for advice and assistance in the event of a medical emergency and any associated problems for travellers outside Australia.

    If you are in Australia (or when you return to Australia) and you wish to make a claim, you must lodge a claim with us within 30 days of, or as soon as possible of, learning of any loss, damage, injury or breakdown that may result in a claim. Or if you are overseas, you can lodge a claim within 30 days or as soon as possible after returning to Australia. You can lodge a claim by calling Allianz Global Assistance on 1800 072 791.

  • Transit Accident

    Transit Accident Insurance for Citi Simplicity & Citi Clear Card cardholders

    Eligibility

    Citi Simplicity & Citi Clear Card cardholders, spouses and/or dependent children are eligible for Transit Accident Insurance if the entire payment for the trip was charged to the cardholder's card prior to the commencement of the trip.

    If the cardholder is eligible for this insurance, the cardholder's spouse and dependent children are also eligible for this insurance provided:

    • They are travelling with the cardholder on the entire trip; and
    • The entire payment for their trip was charged to the cardholder's card prior to the commencement of the trip.

    What is covered?

    This cover provides certain accidental death and injury cover for cardholders who whilst outside Australia sustain an injury while riding as a passenger in (not as a pilot, driver or crewmember), or boarding or alighting a plane, tourist bus, train or ferry as outlined in this policy. If a person sustains more than one injury resulting from one accident, only the Benefit Amount for the greater injury will be paid. The injury must have been sustained as a direct result of an accident whilst on a trip, and occur within 12 months or the accident. Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

    Citi Clear Card

    Injury Benefit Amount
      Cardholder Spouse Dependent
    Loss of Life A$500,000 A$250,000 A$125,000
    Loss of both hands and/or both feet A$500,000 A$250,000 A$125,000
    Loss of one hand in conjunction with one foot A$500,000 A$250,000 A$125,000
    Loss of the entire sight of both eyes A$500,000 A$250,000 A$125,000
    Loss of the entire sight of one eye in conjunction with and one hand and/or one foot A$500,000 A$250,000 A$125,000
    Loss of one hand or one foot A$250,000 A$125,000 A$62,500
    Loss of the entire sight of one eye A$250,000 A$125,000 A$62,500

     

  • Purchase Cover

    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

    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.

  • Extended Warranty

    Extended Warranty Insurance is a benefit available to Citi Simplicity and Citi Clear Card Cardholders.

    The cover extends the manufacturer's expressed warranty on personal goods purchased, provided the purchase is charged to the cardholder's eligible Citi credit card account.

    The insurance cover provided in respect of the purchase of personal goods comes into effect at the end of the manufacturer's registered written warranty that applies to the personal goods.

    For Example:

    Australian warranty period Extended warranty period
    7 days 7 days
    14 days 14 days
    1 month 1 month
    6 months 6 months
    1 to 5 years 1 years
    Over 5 years No cover

    This Extended Warranty Insurance only covers the failure of personal goods to operate for the purpose for which they were designed as a result of a breakdown or defect, provided the breakdown or defect is covered by the terms of the warranty. 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 Extended Warranty 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).

  • Frequently Asked Questions

    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.
  • Make a claim

    If you want to make a claim, please contact Allianz Global Assistance directly.

    If you have a travel emergency overseas, please call Allianz Global Assistance (reverse charge/collect) any time from any place in the world. You can usually do this by phoning the operator where you are and booking a reverse charge call to Australia +61 7 3305 7499.

    Allianz Global Assistance has a team of medical professionals who are only a phone call away and are available 24 hours a day, 7 days a week for advice and assistance in the event of a medical emergency and any associated problems for travellers outside Australia.

    If you are in Australia (or when you return to Australia) and you wish to make a claim, you must lodge a claim with us within 30 days of, or as soon as possible of, learning of any loss, damage, injury or breakdown that may result in a claim. Or if you are overseas, you can lodge a claim within 30 days or as soon as possible after returning to Australia. You can lodge a claim by calling Allianz Global Assistance on 1800 072 791.

  • Important Information

    Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of Level 16, 310 Ann Street, Brisbane, QLD 4000. (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW 2000 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) of 2-26 Park Street, Sydney NSW 2000 which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Insurance Terms and Conditions which may be amended from time to time. Citi does not guarantee this insurance.

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