Does your credit card include trip delay and trip interruption insurance? The Citi Executive AAdvantage card, which many got with the 100K Citi Executive AAdvantage offer (now expired) has improved its coverage, and since I'm emailed quite a bit about trip delay and trip interruption insurance, it's worth pointing out what will be changing. Note that the new coverage goes into effect November 23, 2014.
Trip Delay Insurance (New)
Who's Covered: You, authorized users, spouse or domestic partner (where permitted by law), dependents under 19 (or under 24 for full-time students) who receive at least half their financial support from you
What's Covered: Up to $500 in reasonable and necessary travel expenses (hotel, ground transportation, meals, toiletries) incurred due to a travel delay of at least 3 hours, when the trip was paid for in full with your Citi Executive AAdvantage card and on a common carrier and the delay was due to a covered reason:
- Delay caused by the common carrier
- Denied boarding due to overbooking by the common carrier
- Delayed due to severe weather, a natural disaster, a previously unannounced strike, a quarantine or a hijacking
- Your passport, money or other travel documents are lost or stolen
What to Do: Call 855-569-7446 within 30 days of the trip delay for a claim form. Remember to save all receipts as documentation.
Trip Interruption Insurance (Coverage for More Reasons)
Who's Covered: You, authorized users, spouse or domestic partner (where permitted by law), dependents under 19 (or under 24 for full-time students) who receive at least half their financial support from you
What's Covered: Nonrefundable expenses up to $5000 per person per trip if the trip was paid for in full with your Citi Executive AAdvantage card if you notify all travel suppliers affected by your cancellation or interruption within 48 hours of realizing you need to cancel or interrupt your trip, and the reason for the cancellation or interruption is a covered reason, including:
- You become sick or injured and a doctor confirms in writing it's serious enough to interrupt or cancel your trip
- A family member has a life-threatening injury or illness or requires your care
- You or a family member is the victim of an assault that occurs within 10 days of your trip's departure and requires hospital treatment
- You or a family member dies while you're on the trip, or within 30 days of the trip's departure
- You're fired from your job and were continuously employed there for at least 2 years
- You can no longer live in your permanent or temporary residence due to fire, flood, vandalism, burglary or a natural disaster
- Severe weather, a natural disaster or a labor dispute stops all travel to or from your destination for at least 24 hours
- You miss a cruise or tour departure because all common carrier travel to or from your destination being cancelled or delayed at least 3 hours due to severe weather or a problem with the common carrier
- You miss more than half of your trip because of missed connections, delayed departures, denied boarding, traffic accidents on your way to a departure, or lost or stolen passports
- A mandatory evacuation is ordered at your final destination because of a natural disaster, and you have at least half of your trip remaining
- A terrorist incident occurs in your destination city after your purchase your trip, and you're scheduled to arrive within 30 days of the incident
Eligible Costs for Reimbursement include:
- Unused transportation tickets or forfeited deposits, less any refund you receive from the travel suppliers
- Change fees
- Additional ticket costs or fees to join a cruise or tour that departed without you
- Reasonable expenses for accommodations and meals incurred because you missed a cruise or tour departure because all common carrier travel was cancelled or delayed at least 3 hours due severe weather or a common carrier problem
What do do: Call 855-569-7446 within 30 days of the incident that results in cancelling or interrupting your trip. Remember to save all receipts and documentation.
Medical Evacuation Insurance (New)
Who's Covered: You, authorized users, spouse or domestic partner (where permitted by law), dependents under 19 (or under 24 for full-time students) who receive at least half their financial support from you
What's Covered: Up to $100,000 in costs for medical evacuation should you or a covered person becomes seriously sick, injured or die while traveling on a trip paid for in full with your Citi Executive AAdvantage card. Coverage includes transportation from the place you're sick or were injured to the nearest hospital where you can receive proper treatment, and transportation home or to an appropriate hospital near your home if you need further treatment. Related medical services and supplies needed while transporting you are also covered.
You must:
- Be traveling on a common carrier
- Have a doctor certify that the illness or injury is severe enough to require emergency medical evacuation
- Have Citi authorize the evacuation in advance
What do do: Call 855-569-7446 in the U.S., or internationally, call collect 603-328-1326.
Baggage Delay Protection (New)
Who's Covered: You, authorized users, spouse or domestic partner (where permitted by law), dependents under 19 (or under 24 for full-time students) who receive at least half their financial support from you
What's Covered: Up to $500 in personal and business items due to a baggage delay of 3 hours or more while traveling (does not apply when you're returning home), when your trip was paid for in full with your Citi Executive AAdvantage card.
What's Not Covered:
- Items that were not in the delayed baggage
- Any motorized land, air or water vehicles and their parts
- Food
- Plants and animals
- Tickets, passports and visas
- Cash and credit cards, rare or precious coins, checks, monetary equivalents
What do do: Call 855-569-7446 within 30 days of the date your luggage was delayed. Retain all receipts to support your claim.
Car Rental Insurance (Coverage in More Countries)
Who's Covered: Anyone designated as an authorized driver or covered by the rental car agreement
What's Covered: Reasonable cost or repairs or the cash value of the rental car, whichever is less, up to $100,000, if a rental car paid for in full with your Citi Executive AAdvantage card is damaged by an accident while a covered person is driving, damaged by a natural disaster or vandalism or stolen. Coverage is worldwide, including Israel, Italy, Ireland, Jamaica, places that are often excluded by other car rental insurance policies.
What's Not Covered:
- No liability coverage (e.g. damage to other people or their property/vehicles)
- No coverage for reckless driving, driving under the influence, or driving that goes against the rental car agreement
- No coverage if you didn't take reasonable care of the rental car
- In the U.S., this coverage is secondary. See Credit Cards with Primary Car Rental Insurance Coverage if you need primary coverage in the U.S.
- If the rental car company requires you to accept its own collision loss/damage coverage, Citi's car rental insurance only covers the cost of your deductible.
What do do: Call 855-569-7446 asap after your rental car is damaged or stolen
FAQ
When Do the New Coverage Benefits Take Effect?
November 23, 2014. Until then, the existing insurance coverage applies; note that current coverage does NOT include any trip delay insurance, delayed baggage insurance or medical evacuation insurance.
If I Pay the Taxes and Fees on Award Tickets with My Citi Executive AAdvantage Card, Am I Covered?
No–you would need to pay the FULL amount of your trip with your Citi Executive AAdvantage card, so award tickets where you pay taxes and fees with the card never provide insurance coverage. You would need to buy separate insurance coverage, for example from Travel Guard.
Do These Benefits Apply to Long Trips?
No–your trip must be less than 60 consecutive days long for the above insurance coverages to apply (31 or fewer consecutive days in the case of the worldwide car rental insurance).
Which Other Credit Cards Provide Trip Delay and Trip Interruption Insurance Coverage?
See Trip Delay and Trip Interruption Insurance: Which Credit Cards?
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Trip Delay and Trip Interruption Insurance: Which Credit Cards?
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Travel Insurance for Frequent Flyer Award Tickets
Credit Cards with Primary Car Rental Insurance Coverage
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