Tonei Glavinic

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Major improvements to Citi Travel and Purchase Protection Benefits

Over the past couple of days, Citi sent out emails informing cardholders that due to a change in benefits providers, some coverages would be changing. It turns out that there are some major improvements coming with these changes in at least two areas: travel protection and extended warranties.

Travel Protection

All of the pieces of Citi's travel protection package (trip cancellation, trip delay, delayed and lost luggage, medical evacuation, etc.) have been updated with significantly better terms:

Old Policy New Policy
Covered Individuals Cardholder, authorized users, spouse/domestic partner, dependent children under age 19 (or under age 24 if full-time students). Cardholder, children, spouse, fiancée, Domestic Partner and their children (including adopted children or step-children), legal guardians, siblings or siblings-in-law, son-in-law or daughter-in-law, parents, parents-in-law, grandparents, grandchildren, aunts or uncles, nieces or nephews, and anyone traveling with them.
How much you have to pay Trip must be paid in full with Citi card or ThankYou Points. A portion of the fare must be paid with Citi card or ThankYou Points.
Trip length Coverages do not apply to trips longer than 60 consecutive days No limit except for medical evacuation (still 60 days)

Purchase Protection

Citi also made significant improvements to their purchase protection benefits, including making certain coverages primary (meaning if you have other coverage like renter's insurance, you don't have to file a claim with them first) and doubling the amount of extended warranty coverage.

Old Policy New Policy
Citi Price Rewind Maximum coverage of $300 per item and $1200 per year Maximum coverage of $500 per item and $2500 per year
Return Protection 60 days 90 days
Extended Warranty Double the original warranty for policies under one year; 1 year in addition to longer policies. Secondary coverage. 24 months added to all warranties. Primary coverage.
Damage and Theft Protection Secondary coverage Primary coverage (except in New York)


With these changes, Citi has seriously stepped up its game and is now matching or beating the best cards on the market. 

You can find links to most of the old and new Citi benefit guides and further discussion at this Flyertalk thread.

Have you spotted any other changes in the new Citi benefits? How will these changes affect your purchasing decisions?