Citi Travel Insurance

Citi is a provider of travel insurance, home insurance, business insurance, credit cards, home loans, online banking and wealth management.

Compare Citi Travel Insurance policiesCiti wins Canstar Outstanding Value award

The table below displays a snapshot of Citi’s policies on Canstar’s database, sorted by Star Rating (highest to lowest). Please note the products and Star Ratings displayed are based on a couple travelling to the USA aged under 70.


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What types of travel insurance does Citi Travel Insurance offer?

Citi offers both domestic and international travel insurance, with specialised policies for annual travellers, seniors, cruisers and skiers. It has three main covers available including Essential, Premium and Elite, to suit a wide range of budgets.

If you’re unsure as to which kind of travel insurance is most appropriate for you, or would like to better understand the differences between the different types of cover, check out our comprehensive guide on travel insurance.

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What does Citi’s international travel insurance cover?

Citi’s Elite International policy will cover you for:

  • Medical cover: Citi Super Plus has unlimited medical, dental and hospital cover. You must provide a medical practitioner’s report confirming you’re unfit to travel.
  • Loss/theft of personal items: Citi also covers the loss or theft of personal items, including trip delays or damage. It will pay up to $30,000 for various different items such as electronic equipment.
  • Travel delays/cancellation: Citi does cover cancellation or travel delays depending on the level of cover chosen. The Elite policy has unlimited additional travel and accommodation due to strikes, natural disasters, riots or other severe weather conditions.
  • Rental car excess: If, as a result of an unexpected event, the rental vehicle you have hired is stolen or damaged during your journey, Citi Comprehensive will reimburse you for any non-refundable excess payable to the rental vehicle company of up to $5,000.
  • 24/7 assistance: Citi Travel’s emergency worldwide assistance team is available 24 hours a day via phone.
  • Lost or stolen documents: Citi will cover the cost involved in replacing important documents that have been lost or stolen.

Please note that exclusions may apply. For example, your medical cover may not pay claims for medical or dental treatment received in Australia, and it will only cover losses related pregnancy up to and including the twentieth week. Another example of an exclusion is not being covered for any delays caused by a natural disaster occurring before the start date of your insurance.

For more details about what is and isn’t covered, check out the Product Disclosure Statement on Citi’s website.

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Citi FAQs

Yes, Citi’s comprehensive policy has unlimited cover for overseas medical and hospital expenses under the following circumstances:

  • You need medical assistance for an unexpected illness
  • You’re seriously injured in an accident
  • You need to be evacuated for an unexpected injury

As always, various conditions and exclusions will apply. It’s highly unlikely that you will be covered if the injury you suffer is classified as a ‘pre-existing condition’, for example.

For more information on whether you’re covered or not, read Citi Travel Insurance’s Product Disclosure Statement.

Yes, Citi will cover you up to a certain amount for replacing or reimbursing luggage and personal effects that are lost, stolen or damaged while travelling.

Under Citi’s comprehensive policy, up to $30,000 worth of your belongings will be covered. Citi will also cover:

  • The cost of essential medication if its lost or destroyed
  • Up to $1,500 per item for essential items
  • $3,500 per item for laptops, tablets, cameras, etc.

Again, there are exclusions that come with CitiTravel Insurance’s policies. For personal items and jewellery, you must specify them before applying, and all items must be approved by Citi; otherwise they will not be covered. Ensure you check the PDS to find out more about what items and luggage are and aren’t covered.

If you’re not sure what to do when your luggage goes missing, check out our guide on travel mishaps and how to avoid them.

Yes, Citi Travel Insurance will cover up to a certain amount for lost deposits and cancellation fees for pre-paid travel arrangements due to unforeseen circumstances outside the traveller’s control on a policy:

  • Depending on the policy you decide to take out, you can receive cover if your journey was cancelled or delayed, with additional travel and accommodation due to strikes, natural disasters, riots or other severe weather conditions.
  • It will also cover the Travel Agent’s cancellation fee of up to $750 (or 15% of the refundable amount)

Read the Product Disclosure Statement for more information on the various exclusions that may apply.

You can purchase a Citi Travel Insurance policy by first comparing your options with Canstar and then generating a quote online. All you need to list is your personal details (age, length of trip, address, etc.), your pre-existing conditions and your choice of cover:

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You can lodge a claim with Citi by calling its claims line on 13 24 80 and following the prompts. Make sure you have the following documents (and details) ready:

  • Policy number
  • Personal details
  • Supporting documentation (flight details, itinerary, receipts, etc.)
  • Bank account details

You can also lodge a claim online by accessing the online claim form here.

Citi also has an emergency 24/7 assistance line via Chubb Insurance. Visit its website for more information.

Check out our guide on how to make claiming for travel insurance easier.

Citi Australia was formed in 1977 as the Citicorp Australia Holdings in 1977. It then commenced consumer operations in Australia in 1985 as Citibank, the first foreign bank to be granted a banking licence.

Today Citi serves over one million customers in Australia, making it the largest international bank in Australia. Citi Australia is part of Citigroup, one of the world’s largest providers of financial services. Citigroup celebrated its 200th anniversary as a bank in 2012.

Being a large multinational corporation, Citi has a considerable corporate and social responsibility. It supports the Australian community by focussing on supporting youth in education and finding employment. The Australian Citi Foundation Grant partners at the time of writing include Creating Futures for Youth by the Brotherhood of St. Laurence, Sister School by Global Sisters, the Skilling Australia Foundation and Community Schoolyard by Social Ventures Australia.

Citi also established the Global Community Day in 2006 to enable tens of thousands of Citi employees and their families to volunteer for worthy causes.

As for protecting the environment, Citigroup’s efforts towards sustainability include investing $71.2 billion in 2015 for social and environmental solutions, which is a big step towards its 10-year, $100 billion goal. This goal includes investing in renewable energy, the popular Citi Bikes sponsorship, water conservation, clean tech and more.

Written by: Regina Collins | Last updated: