Many of our Citibank credit card cardholders are eligible for complimentary insurance cover. Check below to see if your card carries any complimentary insurance policies.
For each complimentary insurance policy 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.
Citibank Select and Citibank Rewards Credit Card - Signature Cardholders are eligible for International Travel Insurance, 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 of the following methods:
cost charged to a cardholder's Card; or
as a member of the Citibank Rewards Program, the cardholder obtained their overseas travel ticket in exchange for the cardholder redeeming their Citibank Reward Points, provided the redemption occurs within one month after the cardholder had transferred at least 15,000 Citibank Reward Points to a frequent flyer program; or
as a member of the Citibank Qantas Rewards program, the cardholder obtained their overseas travel ticket in exchange for redeeming their Qantas Frequent Flyer points, provided that the cardholder had credited a minimum of 15,000 points to their Qantas Frequent Flyer account, in accordance with the Citibank Qantas Rewards program; or
as a member of the Citi Miles program, the cardholder obtained their overseas travel ticket in exchange for redeeming their Citi Miles, provided that the cardholder had credited a minimum of 15,000 points to their Skywards account, in accordance with the Citi Miles program; or
obtained by the cardholder under the Citibank Travel Program.
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
Unlimited, 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. 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
Unlimited, for covered events, 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$2,500 for the reasonable cost of arranging alternative public transport in order to attend a special event.
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.
Interstate Flight Inconvenience Insurance for Citibank Select and Citibank Rewards Credit Card - Signature Cardholders
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
Citibank Select and Citibank Rewards Credit Card - Signature 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:
(a) 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
(b) where the travel is for 14 consecutive days or less, and
(c) 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.
The table below shows the limits that apply and an outline of the cover available for Citibank Select and Citibank Rewards Credit Card - Signature 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.
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
Unexpected cancellation
Limit of A$3000
Rental vehicle insurance excess
Limit of A$2250
Flight delay
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
Transit Accident Insurance for Citibank Select and Citibank Rewards Credit Card - Signature Cardholders
Citibank Select and Citibank Rewards Credit Card - Signature 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:
(a) they are travelling with the cardholder on the entire trip; and
(b) the entire payment for their trip was charged to the cardholder's card prior to the commencement of the trip.
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. Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.
Citibank Select and Citibank Rewards Credit Card - Signature cardholders
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
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$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 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.
All Citibank 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.
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:
(a) the cheaper covered product is new, the same model number and year and produced by the same manufacturer as the covered product purchased;
(b) the cheaper covered product is available from a store within a 25 kilometre radius of the store where you purchased the covered product; and
(c) 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.
Extended Warranty Insurance is a benefit available to Citibank Select and Citibank Rewards Credit Card - Signature Cardholders.
The cover extends the manufacturer's expressed Australian 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 Australian warranty period 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 year
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 Australian 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).
Making a Claim
Call Zurich on 1800 648 093 within 30 days of loss, damage or breakdown that may result in a claim. If a claim is to be paid under this insurance you must obtain our approval prior to proceeding with any repairs or replacement of the personal goods that have broken down or are defective.
For further clarification of your policy please contact Zurich Australia Insurance Limited (Zurich) on 1800 648 093 for general enquiries or +61 2 9995 2021 for a medical emergency (we will accept a reverse charge call made through an international operator).
If you are eligible for this insurance then this insurance is also available to your spouse and your dependent child/children (but not children born on the journey), who travel with you for the entire journey, provided their overseas travel tickets were also obtained by use of an eligible Citibank Credit card.
Please note the definition of "Spouse" and "Dependent Children":
"Spouse" means a married or defacto partner of the cardholder who is permanently living with the cardholder at the time the journey starts. We may ask for proof of this relationship.
"Dependent Child" means an unmarried child of a cardholder, up to and including the age of 21, who is primarily dependent on the cardholder for their maintenance and support and who travels with the cardholder for the entire journey or trip but does not include a child born on the journey or trip.
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, Citibank Rewards Credit Card - Signature, Citibank Rewards Credit Card - Platinum, Citibank Clear Platinum, Emirates Citibank Platinum, Citibank Gold and CitiBusiness Gold Credit Card.
While you are not eligible for Complimentary Travel Insurance, Citibank does offer cover designed for Australians travelling Internationally that can be purchased prior to travel. For details please click here.
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.
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 Citibank Travel program; or
evidence confirming that at least 15,000 Reward Points were redeemed and a copy of the Citibank 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 Citibank, to your Qantas Frequent Flyer or Skywards Miles account in accordance with the Citibank Qantas Frequent Flyer or Citi Miles Rewards program, and evidence confirming the redemption of said points in exchange for your overseas travel ticket.
Making a Claim
If you want to make a claim under any of Complimentary Insurance Cover you may be eligible for, you must contact Zurich directly:
In the event of an emergency overseas Call Zurich Assist (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 2 9995 2021.
Zurich's team of medical professionals is only a phone call away and is 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), call Zurich on 1800 648 093 within 30 days of returning home from overseas (even if you have previously reported the matter to Zurich Assist), or if you are already home, contact us within 30 days of learning of an occurrence (loss, damage or breakdown) that may result in a claim.
International Travel Insurance for Citibank Rewards Credit Card - Platinum, Citibank Clear Platinum Credit Card and Emirates Citibank Platinum Card
Citibank Rewards Credit Card - Platinum, Citibank Clear Platinum Credit Card and Emirates Citibank Platinum Card Cardholders are eligible for International Travel Insurance, if their travel is less than six (6) consecutive months and, when prior to leaving Australia, their overseas travel ticket (but not taxes or airport or travel agent charges) was obtained by one of the following methods:
cost charged to a cardholder's Card; or
as a member of the Citibank Rewards Program, the cardholder obtained their overseas travel ticket in exchange for the cardholder redeeming their Citibank Reward Points, provided the redemption occurs within one month after the cardholder had transferred at least 15,000 Citibank Reward Points to a frequent flyer program; or
as a member of the Citibank Qantas Rewards program, the cardholder obtained their overseas travel ticket in exchange for redeeming their Qantas Frequent Flyer points, provided that the cardholder had credited a minimum of 15,000 points to their Qantas Frequent Flyer account, in accordance with the Citibank Qantas Rewards program; or
as a member of the Citi Miles program, the cardholder obtained their overseas travel ticket in exchange for redeeming their Citi Miles, provided that the cardholder had credited a minimum of 15,000 points to their Skywards account, in accordance with the Citi Miles program; or
obtained by the cardholder under the Citibank Travel Program.
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
Unlimited, 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. 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
Unlimited, for covered events, 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$2,500 for the reasonable cost of arranging alternative public transport in order to attend a special event.
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.
Citibank Rewards Credit Card - Platinum, Citibank Clear Platinum Credit Card and Emirates Citibank Platinum 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:
(a) they are travelling with the cardholder on the entire trip, and
(b) the entire payment for their trip was charged to the cardholder's card prior to the commencement of the trip.
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. Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements
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$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 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.
All Citibank 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.
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:
(a) the cheaper covered product is new, the same model number and year and produced by the same manufacturer as the covered product purchased
(b) the cheaper covered product is available from a store within a 25 kilometre radius of the store where you purchased the covered product, and
(c) 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.
Extended Warranty Insurance is a benefit available to Citibank Rewards Credit Card - Platinum, Citibank Clear Platinum Credit Card and Emirates Citibank Platinum cardholders.
The cover extends the manufacturer's expressed Australian 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 Australian warranty period 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 year
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 Australian 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).
Making a Claim
Call Zurich on 1800 648 093 within 30 days of loss, damage or breakdown that may result in a claim. If a claim is to be paid under this insurance you must obtain our approval prior to proceeding with any repairs or replacement of the personal goods that have broken down or are defective.
For further clarification of your policy please contact Zurich Australia Insurance Limited (Zurich) on 1800 648 093 for general enquiries or +61 2 9995 2021 for a medical emergency (we will accept a reverse charge call made through an international operator).
If you are eligible for this insurance then this insurance is also available to your spouse and your dependent child/children (but not children born on the journey), who travel with you for the entire journey, provided their overseas travel tickets were also obtained by use of an eligible CItibank Credit card.
Please note the definition of "Spouse" and "Dependent Children":
"Spouse" means a married or defacto partner of the cardholder who is permanently living with the cardholder at the time the journey starts. We may ask for proof of this relationship.
"Dependent Child" means an unmarried child of a cardholder, up to and including the age of 21, who is primarily dependent on the cardholder for their maintenance and support and who travels with the cardholder for the entire journey or trip but does not include a child born on the journey or trip.
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, Citibank Rewards Credit Card - Signature, Citibank Rewards Credit Card - Platinum, Citibank Clear Platinum, Emirates Citibank Platinum, Citibank Gold and CitiBusiness Gold Credit Card.
While you are not eligible for Complimentary Travel Insurance, Citi does offer cover designed for Australians travelling Internationally that can be purchased prior to travel. For details please click here.
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.
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 Citibank 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 Citibank, 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.
Making a Claim
If you want to make a claim under any Complimentary Insurance Cover you may be eligible for, you must contact Zurich directly:
In the event of an emergency overseas Call Zurich Assist (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 2 9995 2021.
Zurich's team of medical professionals is only a phone call away and is 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), call Zurich on 1800 648 093 within 30 days of returning home from overseas (even if you have previously reported the matter to Zurich Assist), or if you are already home, contact us within 30 days of learning of an occurrence (loss, damage or breakdown) that may result in a claim.
International Travel Insurance for Citibank Gold and CitiBusiness Gold Credit Card Cardholders.
Citibank Rewards Credit Card - Gold and CitiBusiness Gold Credit Card cardholders are eligible for this International Travel Insurance, if their travel is less than three (3) consecutive months and, when prior to leaving Australia, their overseas travel ticket (but not taxes or airport or travel agent charges) was obtained by one of the following methods:
cost charged to a cardholder's card
as a member of the Citibank Rewards Program, the cardholder obtained their overseas travel ticket in exchange for the cardholder redeeming their Citibank Reward Points, provided the redemption occurred within one month of the cardholder transferring at least 15,000 Citibank Reward Points to a frequent flyer program
obtained by the cardholder through the Citibank Travel Program.
The table below shows the limits that apply and an outline of the cover available for Citibank Gold and 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
Unlimited, 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. 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
Unlimited, for covered events, 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.
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.
For Citibank Gold and CitiBusiness Gold Card Cardholders
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$3,000 per claim in respect of jewellery, watches and fine arts; or
A$125,000 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.
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.
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:
(a) the cheaper covered product is new, the same model number and year and produced by the same manufacturer as the covered product purchased
(b) the cheaper covered product is available from a store within a 25 kilometre radius of the store where you purchased the covered product, and
(c) 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.
For further clarification of your policy please contact Zurich Australia Insurance Limited (Zurich) on 1800 648 093 for general enquiries or +61 2 9995 2021 for a medical emergency (we will accept a reverse charge call made through an international operator).
If you are eligible for this insurance then this insurance is also available to your spouse and your dependent child/children (but not children born on the journey), who travel with you for the entire journey, provided their overseas travel tickets were also obtained by use of an eligible CItibank Credit card.
Please note the definition of "Spouse" and "Dependent Children":
"Spouse" means a married or defacto partner of the cardholder who is permanently living with the cardholder at the time the journey starts. We may ask for proof of this relationship.
"Dependent Child" means an unmarried child of a cardholder, up to and including the age of 21, who is primarily dependent on the cardholder for their maintenance and support and who travels with the cardholder for the entire journey or trip but does not include a child born on the journey or trip.
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, Citibank Rewards Credit Card - Signature, Citibank Rewards Credit Card - Platinum, Citibank Clear Platinum, Emirates Citibank Platinum, Citibank Gold and CitiBusiness Gold Credit Card.
While you are not eligible for Complimentary Travel Insurance, Citibank does offer cover designed for Australians travelling Internationally that can be purchased prior to travel. For details please click here.
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.
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 Citibank Travel program; or
evidence confirming that at least 15,000 Reward Points were redeemed and a copy of the Citibank 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 Citibank, 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.
Making a Claim
If you want to make a claim under any of Complimentary Insurance Cover you may be eligible for, you must contact Zurich directly:
In the event of an emergency overseas Call Zurich Assist (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 2 9995 2021.
Zurich's team of medical professionals is only a phone call away and is 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), call Zurich on 1800 648 093 within 30 days of returning home from overseas (even if you have previously reported the matter to Zurich Assist), or if you are already home, contact us within 30 days of learning of an occurrence (loss, damage or breakdown) that may result in a claim.
For Citibank Rewards Credit Card - Classic and BP-Citibank MasterCard Cardholders
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.
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.
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:
(a) the cheaper covered product is new, the same model number and year and produced by the same manufacturer as the covered product purchased;
(b) 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.
For further clarification of your policy please contact Zurich Australia Insurance Limited (Zurich) on 1800 648 093 for general enquiries or +61 2 9995 2021 for a medical emergency (we will accept a reverse charge call made through an international operator).
If you are eligible for this insurance then this insurance is also available to your spouse and your dependent child/children (but not children born on the journey), who travel with you for the entire journey, provided their overseas travel tickets were also obtained by use of an eligible CItibank Credit card.
Please note the definition of "Spouse" and "Dependent Children":
"Spouse" means a married or defacto partner of the cardholder who is permanently living with the cardholder at the time the journey starts. We may ask for proof of this relationship.
"Dependent Child" means an unmarried child of a cardholder, up to and including the age of 21, who is primarily dependent on the cardholder for their maintenance and support and who travels with the cardholder for the entire journey or trip but does not include a child born on the journey or trip.
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, Citibank Rewards Credit Card - Signature, Citibank Rewards Credit Card - Platinum, Citibank Clear Platinum, Emirates Citibank Platinum, Citibank Gold and CitiBusiness Gold Credit Card.
While you are not eligible for Complimentary Travel Insurance, Citi does offer cover designed for Australians travelling Internationally that can be purchased prior to travel. For details please click here.
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.
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 Citibank 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 Citibank, 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.
Making a Claim
If you want to make a claim under any of Complimentary Insurance Cover you may be eligible for, you must contact Zurich directly:
In the event of an emergency overseas Call Zurich Assist (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 2 9995 2021.
Zurich's team of medical professionals is only a phone call away and is 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), call Zurich on 1800 648 093 within 30 days of returning home from overseas (even if you have previously reported the matter to Zurich Assist), or if you are already home, contact us within 30 days of learning of an occurrence (loss, damage or breakdown) that may result in a claim.
Other Travel Insurance Options
If you find that the Complimentary Insurance provided by your Credit Card does not satisfy all of your Personal needs or circumstances Citibank also has a range of other travel Insurance options.
