Citibank Travel Insurance

Citibank

Looking to pack some peace of mind for your next overseas holiday? The first thing you’ll want to do is choose a really good travel insurance policy. Below, we’ve outlined some of the important features and fine print you might find in a Citibank travel insurance policy to help you decide if it’s the one for you.

About Citibank

Citibank has been operating in Australia for just over 30 years, and celebrated it’s 200th anniversary as a bank in 2012. It’s part of the Citigroup, which is one of the world’s largest financial institutions. Citibank travel insurance policies are underwritten by Chubb.

Rates and fees verified as correct at 05 December, 2016. Other information correct at the time of writing.

Citibank travel insurance policies

Citibank offer travel insurance policies for both single travellers and families, in three levels of cover: Essential, Premium and Elite. There’s also a policy on option for frequent travellers, and one especially designed for seniors, so whatever your travelling style, you’re sure to find an option to suit. They also offer complimentary travel insurance if you have an eligible Citibank credit card, which is covered below, but this page will mainly deal with stand alone policies. Check out the table below for all your Citibank travel insurance options:

  • Events

  • Limits shown apply

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health problems

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Essential

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • $25,000

    • Events
    • $5,000

    • Unlimited

    • Unlimited

    • $3,000

    • $5,000

    • $20,000

    • $20,000

    • $5,000

    • $2,000

    • $2,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Premium

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • $50,000

    • Events
    • $10,000

    • Unlimited

    • Unlimited

    • $3,000

    • $10,000

    • $25,000

    • $25,000

    • $200

    • $10,000

    • $3,000

    • $2,000

    • $3,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Elite

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $30,000

    • Unlimited

    • Unlimited

    • $3,000

    • $15,000

    • $100,000

    • $100,000

    • $200

    • $30,000

    • $5,000

    • $2,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Frequent Traveller (90 days)

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • $50,000

    • Events
    • $10,000

    • Unlimited

    • Unlimited

    • $3,000

    • $10,000

    • $25,000

    • $25,000

    • $300

    • $10,000

    • $3,000

    • $2,000

    • $3,000,000

    • Pre existing conditions
    • Activities covered
    More info
  • Events

  • Limits shown apply

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health problems

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Essential

    • Per group

    • Unlimited

    • Unlimited

    • 100

    • $25,000

    • Events
    • $5,000

    • Unlimited

    • Unlimited

    • $3,000

    • $5,000

    • $20,000

    • $20,000

    • $5,000

    • $2,000

    • $2,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Premium

    • Per group

    • Unlimited

    • Unlimited

    • 100

    • $50,000

    • Events
    • $10,000

    • Unlimited

    • Unlimited

    • $3,000

    • $10,000

    • $25,000

    • $25,000

    • $200

    • $10,000

    • $3,000

    • $2,000

    • $3,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Elite

    • Per group

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $30,000

    • Unlimited

    • Unlimited

    • $3,000

    • $15,000

    • $100,000

    • $100,000

    • $200

    • $30,000

    • $5,000

    • $2,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Frequent Traveller (90 days)

    • Per group

    • Unlimited

    • Unlimited

    • 100

    • $50,000

    • Events
    • $10,000

    • Unlimited

    • Unlimited

    • $3,000

    • $10,000

    • $25,000

    • $25,000

    • $300

    • $10,000

    • $3,000

    • $2,000

    • $3,000,000

    • Pre existing conditions
    • Activities covered
    More info
= Covered = Not covered

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


Complimentary Citibank travel insurance with your credit card

Here’s a great deal you may not have known about: if you have an eligible Citibank credit card, you may be able to get free travel insurance! Eligible cards include:

You’ll need to keep in mind the requirements for activating your free travel insurance, which for Citibank include:

It’s also a good idea to carefully read over what is included in the offered travel insurance policy, because it may not provide the level of cover that you need. If you’re not sure, why not check out our guide on credit card travel insurance vs stand alone travel insurance to get a better idea of the pros and cons of each.

Features and fine print to look out for in Citibank travel insurance policies

Pre-existing medical conditions:

Citibank travel insurance covers just 12 pre-existing medical conditions, including asthma, epilepsy and stroke. No other pre-existing medical conditions - either yours, your travelling companions, or anyone else who might affect your journey (e.g. family members) - are covered.

Fine print: Each of these conditions are automatically covered, but only if they meet certain requirements. For example, asthma is covered as long as you have not had an attack that required treatment by a doctor in the last 12 months.
Check out our guide to finding cover suited to travelling with a pre-existing medical condition, and always make sure you read your PDS carefully.

Travelling while pregnant:

Pregnancy is covered under Citibank travel insurance, up to the 24th week, as long as it is a natural, single and uncomplicated pregnancy.

Fine print: Pregnancies that have suffered complications, where there is more than one baby or which were the product of medical assistance are not covered under your policy. There is also no cover after the 24th week, or for childbirth and antenatal care at any point.
Travelling while you’re pregnant can be nerve-wracking, so to make sure you’ve got the best possible travel insurance, check out Mozo’s travel insurance guide for pregnancy.

Travel for seniors:

You can buy a regular Citibank travel insurance policy as long as you are between the ages of 18 and 69. If you’re aged 70-89, you can opt for a Citibank seniors travel insurance policy.

Fine print: Unfortunately for travellers over 89 years of age, you aren’t covered by any Citibank travel insurance policy.
Seniors travel insurance from Citibank offers the same level of cover as a Premium policy, but at slightly higher premiums. Also, the older you are, the more you pay. If you’re planning a lengthy getaway, keep in mind that seniors policies from Citibank are only available for a maximum of 45 days.
Take a look at our dedicated guide if you’re looking for seniors travel insurance.

Travelling with children:

The good news is that Citibank is making travelling with family that little bit easier by insuring your dependent children (or grandchildren) for no extra cost under either a single or family travel insurance policy. Children up to 18, or up to 21 for students enrolled in higher learning, are counted as dependents and won’t cost you a thing!
The even better news is that two children unrelated to you can also be covered by your policy at no extra charge. For holidays with the kid’s friends, this will save you a bundle!

Fine print: To be considered a dependent, the children need to be:

Keep in mind that under some benefits of your policy, there are lower limit for claims related to dependents.

Cooling off period:

Decided against your Citibank travel insurance policy? No problem. You can cancel within the 14 day cooling off period for a full refund of your premium.

Fine print: There are a few conditions under which you won’t be entitled to a refund. These are:

Tips for claiming with Citibank travel insurance

There are a few general rules you should keep in mind about your travel insurance policy which will help to make the claims process as smooth and quick as possible if that becomes necessary. By knowing these things up front, you’ll prevent a nasty surprise later on! So remember:

How to make a claim with Citibank travel insurance

Now that you’re aware of some of the pitfalls of making a claim on your Citibank travel insurance, it’s time to take a look at just how you should make the claim.
Here are some of the major steps to claiming:

1. Fill in a claims form. Try to make it as detailed as possible for a quick response.

2. Include any supporting documents like receipts or police reports.

3. Send the claims form in within 30 days of the event the claim relates to. You can send it in via email or post.

To make the process easier, have your personal, policy and bank details on hand when you start.

How does the Mozo community rate Citibank travel insurance?

The Mozo community has rated Citibank travel insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

Citibank travel insurance

Overall 8.1*

Value for money

Trust

7 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Citibank travel insurance reviews Recent Citibank travel insurance reviews

Citibank

Citibank travel insurance review

Overall rating   7 / 10

Good value.

Free Insurance with credit card for myself and my partner. Convenient and hassle-free.

Full review

Free Insurance with credit card for myself and my partner. Convenient and hassle-free.

    Value for money   7 / 10

    Trust   7 / 10

Less

Drew (VIC), reviewed about 1 year ago

Citibank

Citibank travel insurance review

Overall rating   10 / 10

Rates for all they cover, hard to beat

Very reasonable rates, covers just about everything, they look after our credit card too. Big, reliable company. Excellent customer service.

Full review

Very reasonable rates, covers just about everything, they look after our credit card too. Big, reliable company. Excellent customer service.

    Value for money   10 / 10

    Trust   10 / 10

Less

Veronica (QLD), reviewed about 1 year ago

Citibank

Citibank travel insurance review

Overall rating   7 / 10

Great customer service

Great for every one.

Full review

Great for every one.

    Value for money   5 / 10

    Trust   4 / 10

Less

Nan (NSW), reviewed over 1 year ago

Citibank

Citibank travel insurance review

Overall rating   6 / 10

Convenient

Credit card insurance, ease with peace of mind.

Full review

Credit card insurance, ease with peace of mind.

    Value for money   6 / 10

    Trust   7 / 10

Less

Gary (TAS), reviewed over 1 year ago

Citibank

Citibank travel insurance review

Overall rating   8 / 10

Make troubling issues and thoughts disappear

I had full faith in this insurer as I have a credit card with them also and always ready to help day or night.

Full review

I had full faith in this insurer as I have a credit card with them also and always ready to help day or night.

    Value for money   7 / 10

    Trust   8 / 10

Less

Dustin (QLD), reviewed over 2 years ago

Hide reviews

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Compare Citibank with other Australian travel insurance policies

With so many travel insurance policies on the market, you’ve got everything to gain by taking the time to compare them and see which one suits your budget, trip and travel style. Here at Mozo, we know this can seem like a huge task, so we’ve taken the hassle out of it with our easy to use travel insurance comparison tool. You can get a quick and thorough comparison of travel insurance policies that might be just the right fit for your holiday. All you need to do is fill in your travel details, and then choose your favourite option.

While you’re at it, drop by our travel hub, where you’ll find a heap of travel tips, news stories and articles that will help you get the most bang for your buck when you’re off seeing the sights. Our Best $20 I’ve ever spent series is a must-read for tips from money-savvy travellers!

Compare Travel Insurance from major brands including:

Loading form ...