Does the Citi Rewards Card come with complimentary travel insurance?

No. As of August 2026 the Citi Rewards Card carries no complimentary travel insurance. Citi ended the benefit on 31 March 2026, and it is not offered on new or existing cards. If you charge a flight to the card today, there is no medical, cancellation, baggage or personal accident cover attached to that purchase. This catches out cardholders who remember the old benefit and assume it still applies. The card remains a strong miles and rewards card, but for any trip you now need a separate travel insurance policy, which starts at around S$20 for a single trip and pays the overseas hospital bills the card does not.

Did the Citi Rewards Card used to include travel insurance?

Yes. Until 31 March 2026 the Citi Rewards Card came with a complimentary travel insurance benefit underwritten by HLAS (HL Assurance). It typically activated when you charged your travel fare to the card, and covered a limited set of travel accident and inconvenience benefits. Citi withdrew that cover on 31 March 2026, so any trip taken from 1 April 2026 onward has no card travel insurance behind it. If you are reading an older review or blog post that lists travel cover for this card, it is out of date. Confirm the current position in Citi's card guide before relying on any benefit.

What travel protection does the Citi Rewards Card offer now?

None in insurance terms. Since 31 March 2026 the Citi Rewards Card has offered no travel insurance: no overseas medical, no emergency evacuation, no trip cancellation, no baggage cover and no personal accident benefit. The card's value now sits entirely in its rewards, especially the miles you earn when it is paired with the Instarem Amaze card. For travel safety, treat the card purely as a payment and points tool. Buy a standalone Singapore travel policy for the trip itself, which covers the medical, cancellation and baggage risks the card leaves open, and pick the plan by the cover you need rather than the card in your wallet.

Do I need separate travel insurance with the Citi Rewards Card?

Yes. Because the Citi Rewards Card no longer includes any complimentary travel cover, a separate travel insurance policy is the only protection you will have on a trip. This matters most for medical costs: a serious hospital admission overseas can run past S$100,000, and MediShield Life does not cover you outside Singapore, so without a policy that bill is entirely yours. A standalone Singapore travel policy fills the gap from about S$20 for a single trip and usually covers overseas medical, trip cancellation, baggage and COVID-19 too. Charge the trip to the card for the miles if you like, but buy the insurance on its own.

Does the Citi Rewards Card cover COVID-19 overseas?

No. The Citi Rewards Card provides no travel insurance at all after 31 March 2026, so there is no COVID-19 medical, quarantine or trip cancellation cover tied to the card. If you fall ill with COVID-19 abroad, the card pays nothing toward treatment, an extended hotel stay or a cancelled flight home. This is worth checking before every trip, because COVID-19 terms vary widely between policies and several travel plans still exclude it. If COVID-19 protection matters to you, buy a standalone Singapore travel policy that names COVID-19 medical and cancellation cover in its benefit table, and read the conditions so you know what triggers a claim.

Does the Citi Rewards Card include mobile phone insurance?

No. The Citi Rewards Card does not include mobile phone insurance, and it carries no purchase protection or extended warranty either. If your screen cracks or the handset is stolen, the repair or replacement is entirely on you, and replacing a flagship phone runs about S$1,200 to S$2,300. The card's strengths are its rewards and miles, particularly when paired with the Instarem Amaze card, not device or shopping protection. For phone cover you would need a separate gadget or mobile insurance policy, or a different card that specifically offers it. Do not assume the card protects a device just because you bought it on the card.

Is the Citi Rewards Card enough for an overseas trip?

For payment and earning miles, yes; for insurance, no. The Citi Rewards Card works well overseas as a spending card, especially paired with the Instarem Amaze card for extra miles, but it gives you no travel insurance since the benefit ended on 31 March 2026. That means no cover for an overseas hospital stay, a cancelled trip, a delayed flight or lost bags. On its own, the card is not enough to travel safely. Pair it with a standalone Singapore travel policy, which starts at around S$20 for a single trip, and you keep the miles while covering the medical and disruption risks the card no longer touches.

Citi Rewards Card benefits: does it include travel insurance cover?

Citibank·SGD 196/year·Mastercard

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated August 24, 20268 min read

0,0/5Independent review · verified August 2026

Travel Insurance

0,0

Protection

0,0

Our Verdict · Travel Insurance

Our take on travel insurance for the Citibank Rewards Card

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

The Citi Rewards Card no longer carries complimentary travel insurance. Citi withdrew the benefit on 31 March 2026, and the cover was formerly underwritten by HLAS (HL Assurance). Anyone who paid for a trip expecting the card to protect them now travels uninsured. That gap gets expensive fast: an overseas hospital admission can pass S$100,000, the card pays none of it, and MediShield Life does not cover you outside Singapore. When people look up Citi Rewards Card benefits for travel, this is the part that surprises them, because the card is built for miles, not protection. A standalone Singapore travel policy from about S$20 a trip fills the gap the card leaves open.

Where travel breaks down

No complimentary travel insurance since 31 March 2026, so a trip charged to the card carries no medical, cancellation or baggage cover
Nothing pays an overseas hospital bill, and MediShield Life does not cover you outside Singapore
The card is built for miles and rewards, so travel protection has to come from a separate policy

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 · 14 guarantees

What does Citibank Rewards Card Travel Insurance actually cover?

No personal accident benefit. This benefit is not included with this card. Accidental death and permanent disablement while travelling pay nothing from this card. A standalone travel or personal accident policy is required for this cover.

What's not covered

Personal accident is not a benefit of this card

No overseas emergency medical cover. This benefit is not included with this card. All medical costs overseas are the cardholder's responsibility. MediShield Life does not cover you outside Singapore, and a serious hospital admission in the US or Europe can run S$100,000 or more.

What's not covered

Overseas medical treatment is not a benefit of this card
Pre-existing conditions and pregnancy excluded

No emergency evacuation cover. This benefit is not included with this card. Emergency evacuation costs are entirely the cardholder's responsibility. An air ambulance from Bali or Bangkok back to Singapore runs S$50,000 to S$120,000.

What's not covered

Emergency medical evacuation is not a benefit of this card

No overseas emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.

What's not covered

Overseas emergency dental is not a benefit of this card

No hospital cash allowance. This benefit is not included with this card. There is no daily cash payment while you are hospitalised overseas.

What's not covered

Overseas hospital daily cash is not a benefit of this card

No trip cancellation. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.

What's not covered

Trip cancellation is not a benefit of this card

No trip curtailment cover. This benefit is not included with this card. The cost to fly home early after a family emergency and resume a trip is out of pocket.

What's not covered

Trip curtailment is not a benefit of this card

No travel disruption cover. This benefit is not included with this card. Extra accommodation and transport from a trip disruption are the cardholder's responsibility.

What's not covered

Travel disruption is not a benefit of this card

No travel delay cover. This benefit is not included with this card. Meals, accommodation, and transport during a delay are the cardholder's responsibility.

What's not covered

Travel delay is not a benefit of this card

No missed connection cover. This benefit is not included with this card. The cost of alternative transport after a missed connection is out of pocket.

What's not covered

Missed connection is not a benefit of this card

No baggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags are the cardholder's responsibility.

What's not covered

Baggage loss is not a benefit of this card

No baggage delay cover. This benefit is not included with this card. Purchases of essential items during a bag delay are out of pocket.

What's not covered

Baggage delay is not a benefit of this card

No travel documents cover. This benefit is not included with this card. The cost to replace a lost passport or reclaim fraudulent card use overseas is out of pocket.

What's not covered

Loss of travel documents is not a benefit of this card

No personal liability cover. This benefit is not included with this card. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.

What's not covered

Personal liability overseas is not a benefit of this card

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

Report an error Send updated PDF

Coverage Radar

Where the Citibank Rewards Card wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Accidental death: not covered by this card

Medical fees abroad: not covered by this card

Medical repatriation: not covered by this card

Compare

Rewards CardThis card0.0/5?

SGD 196/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

SGD 217 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Citibank Rewards Card stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Rewards Card shoppers also consider.

Card	This card Rewards Card Citibank · SGD 196/yr 0.0/5?	Prestige Citibank · SGD 652/yr 2.9/5?	TravelOne HSBC · SGD 196/yr 1.7/5?	Revolution HSBC · SGD 0/yr 1.5/5?
Trip cancellation Per person, per trip cap	Not covered Cover this gap →	S$10,125 per person Up to S$10,125	S$1,500 per person Capped S$1,500	S$2,000 per person Capped S$2,000
Emergency medical Hospital bills abroad	Not covered Cover this gap →	S$675,000 S$675,000 overseas medical	S$150,000 Capped S$150,000	Not covered
Emergency evacuation Air ambulance + repatriation	Not covered Cover this gap →	S$675,000 S$675,000 evacuation	S$1,000,000 Up to S$1,000,000	S$1,000,000 Up to S$1,000,000
Trip delay trigger Hours before benefits kick in	Not covered Cover this gap →	4h / S$675 Trigger: 4 hours	8h / S$150 Trigger: 8 hours	8h / S$500 Trigger: 8 hours
Trip interruption Covered amount	Not covered Cover this gap →	Not covered	Not covered	Not covered

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

Cardholder reviews

What cardholders say about the Citibank Rewards Card

Cardholder views on the card and its former travel cover 3 reviews

SH (Seedly)

S tier when paired with Amaze

Pairing with Instarem Amaze card makes CRMC an S tier miles card because you can earn 4 mpd on basically anything.

Pet N (Seedly)

Great miles card with Amaze

Fantastic miles card especially when used with Amaze. Loving it so far and the app is really good for tracking the points earned.

Jack (The MileLion)

Not worth charging the full fare

why charge the full fare of their air ticket to their card? no 4 mpd anyway

What to do if you need travel cover with the Citi Rewards Card

Step 1: Buy a standalone travel policy before you fly

Because the card includes no travel insurance, arrange a standalone Singapore travel policy that states its overseas medical, cancellation and baggage limits in writing. Cover starts from around S$20 for a single trip.

Step 2: Keep your policy and emergency number with you

Save your travel insurer's 24-hour emergency assistance number and policy number on your phone, and keep receipts, medical reports and any police or airline reports to support a claim.

Step 3: Escalate to FIDReC for a card-issuer dispute

For a dispute with the card issuer itself, not travel insurance, you can approach FIDReC, the Financial Industry Disputes Resolution Centre, free of charge within 6 months of the issuer's final reply.

No. As of August 2026 the Citi Rewards Card carries no complimentary travel insurance. Citi ended the benefit on 31 March 2026, and it is not offered on new or existing cards. If you charge a flight to the card today, there is no medical, cancellation, baggage or personal accident cover attached to that purchase. This catches out cardholders who remember the old benefit and assume it still applies. The card remains a strong miles and rewards card, but for any trip you now need a separate travel insurance policy, which starts at around S$20 for a single trip and pays the overseas hospital bills the card does not.
Yes. Until 31 March 2026 the Citi Rewards Card came with a complimentary travel insurance benefit underwritten by HLAS (HL Assurance). It typically activated when you charged your travel fare to the card, and covered a limited set of travel accident and inconvenience benefits. Citi withdrew that cover on 31 March 2026, so any trip taken from 1 April 2026 onward has no card travel insurance behind it. If you are reading an older review or blog post that lists travel cover for this card, it is out of date. Confirm the current position in Citi's card guide before relying on any benefit.
None in insurance terms. Since 31 March 2026 the Citi Rewards Card has offered no travel insurance: no overseas medical, no emergency evacuation, no trip cancellation, no baggage cover and no personal accident benefit. The card's value now sits entirely in its rewards, especially the miles you earn when it is paired with the Instarem Amaze card. For travel safety, treat the card purely as a payment and points tool. Buy a standalone Singapore travel policy for the trip itself, which covers the medical, cancellation and baggage risks the card leaves open, and pick the plan by the cover you need rather than the card in your wallet.
Yes. Because the Citi Rewards Card no longer includes any complimentary travel cover, a separate travel insurance policy is the only protection you will have on a trip. This matters most for medical costs: a serious hospital admission overseas can run past S$100,000, and MediShield Life does not cover you outside Singapore, so without a policy that bill is entirely yours. A standalone Singapore travel policy fills the gap from about S$20 for a single trip and usually covers overseas medical, trip cancellation, baggage and COVID-19 too. Charge the trip to the card for the miles if you like, but buy the insurance on its own.
No. The Citi Rewards Card provides no travel insurance at all after 31 March 2026, so there is no COVID-19 medical, quarantine or trip cancellation cover tied to the card. If you fall ill with COVID-19 abroad, the card pays nothing toward treatment, an extended hotel stay or a cancelled flight home. This is worth checking before every trip, because COVID-19 terms vary widely between policies and several travel plans still exclude it. If COVID-19 protection matters to you, buy a standalone Singapore travel policy that names COVID-19 medical and cancellation cover in its benefit table, and read the conditions so you know what triggers a claim.
No. The Citi Rewards Card does not include mobile phone insurance, and it carries no purchase protection or extended warranty either. If your screen cracks or the handset is stolen, the repair or replacement is entirely on you, and replacing a flagship phone runs about S$1,200 to S$2,300. The card's strengths are its rewards and miles, particularly when paired with the Instarem Amaze card, not device or shopping protection. For phone cover you would need a separate gadget or mobile insurance policy, or a different card that specifically offers it. Do not assume the card protects a device just because you bought it on the card.
For payment and earning miles, yes; for insurance, no. The Citi Rewards Card works well overseas as a spending card, especially paired with the Instarem Amaze card for extra miles, but it gives you no travel insurance since the benefit ended on 31 March 2026. That means no cover for an overseas hospital stay, a cancelled trip, a delayed flight or lost bags. On its own, the card is not enough to travel safely. Pair it with a standalone Singapore travel policy, which starts at around S$20 for a single trip, and you keep the miles while covering the medical and disruption risks the card no longer touches.