No trip cancellation cover. This benefit was withdrawn from the Citi Rewards card on 15 May 2026. Prepaid flights, hotels and tours are not reimbursable if you cancel, and a standalone travel insurance policy is now required for this cover.
Citi Rewards travel insurance: what does the card still cover?
Citi·A$199/year·Mastercard·Allianz Australia Insurance Limited (admin: Allianz Global Assistance), purchase protection and extended warranty only
0,3/5Independent review · verified August 2026
0,0
0,0
2,6
Our Verdict · Travel Insurance
Our take on travel insurance for the Citi Rewards
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Here is the short version: there is no travel insurance on this card anymore. From 15 May 2026, NAB pulled complimentary international and domestic travel insurance, along with the Australian rental excess benefit, off the Citi Rewards card entirely. Charge your whole trip to the card and you still fly out with zero overseas medical, zero cancellation, zero evacuation cover. Medicare stops at the airport, and a serious hospital admission overseas can run $50,000 to $200,000, all of it now on you. One thing worth knowing: a claim for something that happened before 15 May 2026 is still assessed under the old 1 July 2025 Policy Information Booklet, so past trips are not orphaned. For any trip on or after that date, this card does nothing, and a standalone travel insurance policy is the only cover in play. If you held the Citi Rewards card mainly for its free travel insurance, that reason is gone.
What works on travel
- Claims for events before 15 May 2026 are still assessed under the 1 July 2025 Policy Information Booklet
- Existing cardholders were given advance written notice of the change, not a silent removal
- Purchase protection and extended warranty remain, so the card keeps its non-travel insurance
Where travel breaks down
- No international travel insurance from 15 May 2026: no overseas emergency medical, and Medicare does not cover you outside Australia
- No domestic travel insurance: interstate flight cancellation, delay and luggage are no longer covered
- No trip cancellation cover: prepaid flights, hotels and tours are not reimbursable if you cancel
- No emergency evacuation cover: an air ambulance from Southeast Asia to Australia runs $60,000 to $100,000, all out of pocket
- The annual fee stays around $199 even though the travel cover that once justified it is gone
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 20 guarantees
What does Citi Rewards Travel Insurance actually cover?
What's not covered
- Trip cancellation is no longer a benefit of this card from 15 May 2026
No overseas emergency medical cover. NAB removed the international travel insurance from this card on 15 May 2026. All medical costs overseas are now the cardholder's responsibility, and Medicare does not cover you outside Australia, where a serious hospital admission can run $50,000 to $200,000.
What's not covered
- Overseas emergency medical is no longer covered from 15 May 2026
No emergency evacuation cover. It ended with the international travel insurance on 15 May 2026. Emergency evacuation is now entirely the cardholder's responsibility, and an air ambulance from Southeast Asia to Australia runs $60,000 to $100,000.
What's not covered
- Emergency evacuation and repatriation are no longer covered from 15 May 2026
No overseas emergency dental cover. This benefit ended with the travel insurance on 15 May 2026. Emergency dental treatment overseas is now out of pocket.
What's not covered
- Overseas emergency dental is no longer covered from 15 May 2026
No hospital cash allowance. This benefit is no longer included with this card. There is no daily cash payment towards incidentals during an overseas hospital stay.
What's not covered
- Hospital cash allowance is no longer a benefit of this card
No additional expenses cover. It was withdrawn with the travel insurance on 15 May 2026. Costs from a trip cut short, such as extra flights and unused hotels, are out of pocket.
What's not covered
- Additional expenses cover is no longer a benefit of this card
No travel delay cover. This benefit is no longer included with this card. Meals, accommodation and transport during an overseas delay are the cardholder's responsibility.
What's not covered
- Travel delay cover is no longer a benefit of this card
No alternative transport cover. It ended with the travel insurance on 15 May 2026. The cost of rebooking to reach a connection or event on time is out of pocket.
What's not covered
- Alternative transport cover is no longer a benefit of this card
No return home cover. This benefit is no longer included with this card. The cost to fly home and resume a trip after a family emergency is out of pocket.
What's not covered
- Return home and resumption of journey cover is no longer a benefit of this card
No luggage delay cover. It was withdrawn with the travel insurance on 15 May 2026. Essential purchases while your bag is delayed are out of pocket.
What's not covered
- Luggage delay cover is no longer a benefit of this card
No luggage cover. This benefit is no longer included with this card. Replacement costs for lost, stolen or damaged bags are the cardholder's responsibility.
What's not covered
- Luggage and personal effects cover is no longer a benefit of this card
No travel documents cover. It ended with the travel insurance on 15 May 2026. Reissue costs for a lost passport or cards, and losses from fraudulent card use abroad, are out of pocket.
What's not covered
- Travel documents and cash cover is no longer a benefit of this card
No personal liability cover. This benefit is no longer included with this card. Legal liability for injury to others or property damage overseas is uninsured, and such claims commonly reach hundreds of thousands of dollars.
What's not covered
- Personal liability cover is no longer a benefit of this card
No accidental death cover. This benefit is no longer included with this card. No lump sum is payable for accidental death or permanent disability while travelling.
What's not covered
- Accidental death cover is no longer a benefit of this card
No loss of income cover. This benefit is no longer included with this card. Lost earnings after a disabling travel injury are not replaced.
What's not covered
- Loss of income cover is no longer a benefit of this card
No domestic cancellation cover. NAB removed the domestic travel insurance from this card on 15 May 2026. Non-refundable interstate flights and accommodation are not reimbursable if you cancel.
What's not covered
- Domestic cancellation cover is no longer a benefit of this card from 15 May 2026
No domestic flight delay cover. It ended with the domestic travel insurance on 15 May 2026. Meals and accommodation during an interstate flight delay are out of pocket.
What's not covered
- Domestic flight delay cover is no longer a benefit of this card
No domestic additional expenses cover. This benefit is no longer included with this card. Extra interstate travel and accommodation costs are the cardholder's responsibility.
What's not covered
- Domestic additional expenses cover is no longer a benefit of this card
No domestic luggage cover. It ended with the domestic travel insurance on 15 May 2026. Lost or damaged luggage on an interstate trip is not covered.
What's not covered
- Domestic luggage cover is no longer a benefit of this card
No domestic luggage delay cover. This benefit is no longer included with this card. Essential purchases during a domestic luggage delay are out of pocket.
What's not covered
- Domestic luggage delay cover is no longer a benefit of this card
Policy document
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the Citi Rewards wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Trip cancellation: not covered by this card
Medical fees abroad: not covered by this card
Medical repatriation: not covered by this card
Compare
RewardsThis card0.3/5?
A$199/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
A$240 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Citi Rewards stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Rewards shoppers also consider.
| Card | This card Rewards Citi · A$199/yr 0.3/5? | Premier Citi · A$300/yr 4.1/5? | Amplify Signature Bank of Melbourne · A$295/yr 4.3/5? | Amplify Qantas Signature Bank of Melbourne · A$370/yr 4.3/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | $25,000 per trip All prepaid travel | Unlimited Unlimited | Unlimited Unlimited |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | $20,000,000 Capped $20 million | Unlimited Unlimited | Unlimited Unlimited |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | $20,000,000 Capped $20 million | Unlimited Unlimited evacuation | Unlimited Unlimited evacuation |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | 6h / $2,000 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours |
Trip interruption Covered amount | Not covered Cover this gap → | $200,000 Additional expenses | Unlimited Extra travel & accommodation | Unlimited Extra travel & accommodation |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the Citi Rewards
Real reactions to the removal of the card's complimentary travel insurance 3 reviews
TO
Team Ozgiftcards (OzBargain)
I keep it for the points, not the insurance
I've got the free for life card. But also on the payall until 2033. Happy to pay the fee as long as the free payall points are credited.
T(
TurnipHead (OzBargain)
A fee for a card with no travel insurance
they're expecting people to pay an annual fee for a credit card that doesn't have travel insurance?
L(
LSGH (OzBargain)
Leaving after 16 years
will cancel next year and look for a better card, will leave Citi after 16 years
Emergency · Card assistance line
How to contact Citi Rewards assistance?
Allianz Global Assistance still handles purchase protection and extended warranty claims, not Citi or NAB
Australia claims and enquiries
1800 072 791
Toll-free within Australia · Enquiries Mon to Fri
Overseas emergency line (pre-15 May 2026 travel claims only)
+61 7 3305 7499
Additional charges may apply from mobiles or hotels · 24/7
Benefit administrator: AWP Australia (Allianz Global Assistance) for NAB, underwritten by Allianz Australia Insurance Limited
Claims & pre-authorizations
How to claim on the Citi Rewards card insurance
1
Step 1: Check which cover you are claiming
Purchase protection and extended warranty are the only benefits still active. Travel and rental excess cover ended on 15 May 2026, so a travel or hire-car claim can only run if the incident happened before that date. Either way you contact Allianz Global Assistance, not Citi or NAB.
2
Step 2: Lodge with Allianz Global Assistance and gather documents
Get claim forms at claims.agaassistance.com.au, or call 1800 072 791 within Australia. For a purchase protection or extended warranty claim, keep the receipt, proof the item was charged in full to the Citi Rewards card, and, for warranty, the manufacturer's original warranty terms.
3
Step 3: Wait for assessment and escalate if needed
Allianz Global Assistance assesses a completed claim within 10 business days of receiving all requested documents. Depreciation applies to purchase protection payouts, for example 20 percent a year on electronics. If a claim is declined and you disagree, you can escalate to AFCA for free.
FAQ
What people ask about the Citi Rewards
- No. NAB removed complimentary international and domestic travel insurance from the Citi Rewards card on 15 May 2026, so there is nothing to activate and no overseas or interstate travel cover on the card anymore. This applies to any trip taken on or after that date, whether or not you charge the trip to the card. A claim for a travel event that happened before 15 May 2026 is still assessed under the Policy Information Booklet in force at the time. If you want travel cover now, you need a separate standalone travel insurance policy, since the card no longer provides one.
- From 15 May 2026 the Citi Rewards card lost three whole benefits: international travel insurance, domestic (interstate) travel insurance, and Rental Vehicle Excess Insurance in Australia. That means no overseas emergency medical, no trip cancellation, no evacuation, no interstate flight cover, and no rental excess reimbursement, overseas or at home. Purchase protection and extended warranty are the only complimentary insurances that remain. The annual fee, around $199, did not fall when the travel cover was withdrawn. If your reason for holding the card was the free travel insurance, that reason no longer exists.
- Claims for a travel or rental incident that happened before 15 May 2026 are still valid and are assessed under the Policy Information Booklet that was in force on the date of the event. Contact Allianz Global Assistance, not Citi or NAB, using the claim forms at claims.agaassistance.com.au or by calling 1800 072 791 within Australia. Keep itemised accounts, any airline property report for luggage, and your card statement showing the trip was charged to the card. Lodge as soon as you can, since claims lodged long after the event are harder to support with documents.
- No, not anymore. The Rental Vehicle Excess Insurance in Australia benefit was removed from the Citi Rewards card on 15 May 2026, and the overseas rental excess that sat inside the travel policy went with it. So if you damage a hire car, the excess (the amount the rental company makes you pay towards the damage) is entirely your cost, commonly $2,000 to $5,500 on an Australian hire. At the counter you can take the rental company's own excess-reduction product, or arrange a standalone rental excess policy, which covers Australian hires from a few dollars a day. The card gives you nothing towards the excess now.
- Yes. These two are the survivors. Purchase protection covers new items charged to the card against theft, accidental damage or loss for 90 days from purchase, with no per-item dollar cap on most goods and a $200,000 annual limit per card account, though jewellery, watches and new artworks are capped at $5,000 a claim. Extended warranty adds an equal period on top of the manufacturer's Australian warranty, up to one year, capped at $10,000 an item, with no cover once the original warranty runs past five years. Neither carries an excess. Keep the receipt and proof the item was charged to the card.
- Yes. Since 15 May 2026 the Citi Rewards card carries no travel insurance at all, so it does nothing for an overseas medical emergency, a cancelled trip, lost luggage or a delayed flight. Medicare does not cover you outside Australia, and a serious hospital admission overseas can run $50,000 to $200,000, which would fall entirely on you. For any trip from that date, treat the card as having no travel cover and take out a standalone travel insurance policy before you go. Compare policies on cover level and excess rather than price alone, since the cheapest option often caps medical or excludes what you actually need.
- No. The Citi Rewards card has never had a dedicated mobile phone insurance benefit, and the one indirect route that used to exist, a phone counting as luggage under the overseas travel policy, disappeared when travel insurance was removed on 15 May 2026. So a cracked screen, theft or water damage to your phone is not covered by this card in any way. Replacing a flagship smartphone out of pocket costs roughly $1,200 to $2,300, and a screen repair $200 to $600. If phone cover matters to you, look at a standalone device insurance policy or a card that offers a dedicated mobile benefit.
- No. Snow sports were only ever covered as part of the overseas travel insurance, and that insurance was withdrawn from the Citi Rewards card on 15 May 2026. So there is no cover for a skiing or snowboarding injury, on-piste or off-piste, and no cover for the medical evacuation that a serious snow injury overseas can require. A helicopter off the mountain and the surgery after it would be entirely your cost. If you are planning a ski trip, a dedicated snow travel insurance policy is the only way to be covered, since this card no longer offers any travel or medical protection.
Not just Citi
Other cards worth considering
Rewards is a strong choice — but depending on what you prioritize, one of these may suit you better.
Amplify Signature
Bank of Melbourne
Amplify Qantas Signature
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Amplify Qantas Platinum
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Amplify Platinum
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