Trip cancellation is confirmed in the Benefits Overview for the Citi AAdvantage Globe Mastercard, underwritten by New Hampshire Insurance Co. (AIG) through the Mastercard World Legend network. Dollar limits and covered reasons are not publicly available: Citi has not published a Guide to Benefits for this card. Based on Citi's standard benefit structure, coverage likely applies to common carrier costs only — flights, trains, and cruises — not hotel deposits or prepaid tour packages.
What does the insurance on my Citi® / AAdvantage® Globe™ Mastercard® actually cover?
Citi·$350/year·Mastercard World Legend·Virginia Surety Company (Assurant)
Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 11, 20268 min read
2,4/5Independent review · verified June 2026
2,6
4,4
1,0
Our Verdict · Travel Insurance
Our opinion on Citi AAdvantage Globe Travel Insurance
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Trip cancellation and emergency evacuation are included. Emergency medical bills abroad are not. For a $350 card, that gap is worth understanding before you board. The Citi AAdvantage Globe travel benefits run through the Mastercard World Legend network, with New Hampshire Insurance Co. (AIG) underwriting and Sedgwick handling claims via mycardbenefits.com. Trip cancellation, baggage protection, and emergency evacuation are all part of the citi aadvantage globe benefits package. Dollar amounts for these protections are not publicly disclosed: Citi has not published a Guide to Benefits for this card, a fact the card review community has flagged explicitly. If you travel internationally with any medical risk exposure, the absence of a confirmed emergency medical benefit is a real gap, not a footnote.
What works on travel
- Trip cancellation and interruption included through Mastercard World Legend, underwritten by New Hampshire Insurance Co. (AIG)
- Emergency evacuation confirmed: actual transportation costs covered through the World Legend network
- Baggage loss, baggage delay, and trip delay all confirmed in the Benefits Overview
- Primary CDW on international rentals: file directly with Sedgwick, no personal insurer involved outside the US
Where travel breaks down
- Emergency medical expenses abroad not confirmed: no Guide to Benefits published, Citi has not disclosed limits — a $15,000 to $80,000 risk per incident
- Trip cancellation scope likely limited to common carrier costs (Citi standard): hotel deposits and prepaid tours probably not covered
- No cell phone protection despite the $350 annual fee
- Zero publicly available dollar limits for any travel benefit: impossible to compare coverage depth against alternatives
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 · 11 guarantees
What does Citi AAdvantage Globe Travel Insurance actually cover?
Quality, not just caps
Trip must be purchased with the Citi AAdvantage Globe Mastercard Cancellation must occur for a covered reason Claim filed with Sedgwick via mycardbenefits.com
What's covered
- Covered common carrier travel booked and paid with the card
- Non-refundable common carrier costs for covered cancellation reasons
What's not covered
- Hotel deposits and tour packages likely excluded (Citi common carrier standard)
- Pre-existing medical conditions (60-day lookback)
- Known events at the time of booking
No emergency medical coverage confirmed. Citi has not published a Guide to Benefits for this card and has not responded to requests for coverage details. All medical costs abroad are the cardholder's responsibility. A single ER visit in Japan or Europe typically runs $10,000 to $80,000.
What's not covered
- All emergency medical and dental expenses abroad
- Medical evacuation transport costs (covered separately under emergency evacuation benefit)
Must contact Mastercard assistance before arranging evacuation Evacuation must be medically necessary Trip must be purchased with the Citi AAdvantage Globe Mastercard
Emergency medical evacuation is confirmed through the Mastercard World Legend network, underwritten by New Hampshire Insurance Co. (AIG). The benefit covers transportation to the nearest appropriate medical facility, with repatriation available once you are medically stable. Specific dollar limits are not publicly available. Contact Mastercard World Legend assistance at 1-800-627-8372 (US) or +1-636-722-7111 (international collect) before arranging any evacuation.
What's covered
- Emergency medical evacuation to nearest appropriate facility
- Repatriation once medically stable
- Assistance coordination through World Legend 24/7 line
What's not covered
- Self-arranged evacuations without prior authorization may not be covered
- Pre-existing conditions (standard lookback applies)
Interruption must be due to a covered reason Trip must be purchased with the Citi AAdvantage Globe Mastercard Claim submitted to Sedgwick via mycardbenefits.com
Trip interruption coverage is confirmed through the Mastercard World Legend network. If a covered emergency forces you to cut a trip short, the benefit covers additional transportation costs and non-refundable prepaid costs on eligible common carrier travel. Specific reimbursement limits are not publicly available. Claims are handled by Sedgwick at mycardbenefits.com.
What's covered
- Additional return transportation on common carrier
- Non-refundable prepaid common carrier costs already incurred
What's not covered
- Hotel and tour costs likely excluded (Citi common carrier standard)
- Pre-existing conditions (60-day lookback)
Delay must be caused by a covered reason (weather, mechanical failure, strike) Ticket must be purchased with the Citi AAdvantage Globe Mastercard All receipts must be retained
Trip delay coverage is confirmed through the Mastercard World Legend network. The benefit reimburses reasonable expenses for meals, accommodation, and transportation when your trip is delayed by a covered event. Specific delay threshold and dollar limits are not publicly available. Keep all itemized receipts from the moment the delay begins.
What's covered
- Meals during a covered delay
- Accommodation during a covered delay
- Ground transportation during a covered delay
What's not covered
- Delays within the traveler's control
- Delays shorter than the qualifying threshold
No missed connection coverage confirmed for this card. If a delayed inbound flight causes you to miss a connection, rebooking costs and related expenses are not covered by the Citi AAdvantage Globe Mastercard. Last-minute rebooking on a missed international connection can cost $300 to $800.
What's not covered
- All missed connection rebooking and expense costs
Emergency must qualify as a covered trigger Trip must be purchased with the Citi AAdvantage Globe Mastercard Claim filed with Sedgwick via mycardbenefits.com
Early return home coverage is included as part of the Mastercard World Legend travel protection package. The benefit covers additional transportation costs to return home early due to a covered emergency such as a family death, serious illness, or natural disaster. Specific dollar limits and the full list of covered triggers are not publicly available for this card.
What's covered
- Transportation costs to return home early due to covered emergency
- Family death, serious illness, and natural disaster (standard triggers)
What's not covered
- Early returns for non-covered reasons
- Pre-existing conditions (standard lookback applies)
Bag must be delayed while in the custody of a common carrier Delay must exceed the qualifying threshold (likely 6 hours) Purchases must be made after delay is confirmed with carrier Ticket must be purchased with the Citi AAdvantage Globe Mastercard
Baggage delay coverage is confirmed through the Mastercard World Legend network. When your checked bags are delayed beyond the qualifying threshold, the benefit reimburses essential purchases including clothing, toiletries, and personal care items. The specific delay threshold and maximum reimbursement amount are not publicly available for this card. Retain all purchase receipts from the moment you confirm the delay with the carrier.
What's covered
- Clothing and essential items purchased during baggage delay
- Toiletries and personal care items
What's not covered
- Delayed return-trip bags (typically excluded)
- Items purchased before the delay is confirmed
Bag must be in the custody of a common carrier PIR must be filed with the airline at the airport Ticket must be purchased with the Citi AAdvantage Globe Mastercard
Lost and damaged baggage coverage is confirmed for the Citi AAdvantage Globe Mastercard through the Mastercard World Legend network. The benefit applies when checked baggage is permanently lost, damaged, or stolen while in a common carrier's custody. Dollar limits per person and per item are not publicly available. A Property Irregularity Report (PIR) from the airline is required before filing a claim with Sedgwick.
What's covered
- Permanently lost checked baggage
- Damaged checked baggage
- Baggage stolen while in common carrier custody
What's not covered
- Carry-on baggage (typically excluded)
- Cash, documents, and perishables
- Normal wear and tear
Travel must be on a covered common carrier (airline, train, cruise, scheduled bus) Ticket must be purchased with the Citi AAdvantage Globe Mastercard
Travel accident insurance is confirmed in the Benefits Overview for the Citi AAdvantage Globe Mastercard, providing a lump-sum payment for accidental death or dismemberment on covered common carrier travel. Coverage is underwritten by New Hampshire Insurance Co. (AIG) through the World Legend network. The specific benefit amount is not publicly disclosed.
What's covered
- Accidental death on a covered common carrier
- Dismemberment on a covered common carrier
What's not covered
- Non-common carrier travel
- Self-inflicted injuries
No hotel theft protection benefit. Personal belongings stolen from your hotel room are not covered by the Citi AAdvantage Globe Mastercard. Electronics and valuables left in a hotel room can total $1,000 to $3,000 with no recourse if stolen.
What's not covered
- All personal belongings stolen from hotel rooms
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the Citi AAdvantage Globe wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
AAdvantage GlobeThis card2.4/5?
$350/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$150 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Citi AAdvantage Globe stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most AAdvantage Globe shoppers also consider.
| Card | This card AAdvantage Globe Citi · $350/yr 2.4/5? | Prestige Citi · $495/yr 3.5/5? | Ritz-Carlton Chase · $450/yr 3.6/5? | Sapphire Reserve Chase · $795/yr 3.9/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Included Common carrier costs likely | $5,000 per trip Hotels + flights covered | $10,000 per person All prepaid travel (hotels + flights) | $10,000 per person 13 covered reasons |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | Not covered | $2,500 Reimbursement only, $50 deductible | $2,500 | $50 deductible $50 deductible |
Emergency evacuation Air ambulance + repatriation | Included Emergency evacuation included | $100,000 | pre-auth required Pre-authorization required | $100,000 Pre-authorization required | $100,000 | pre-auth required Pre-authorization required |
Trip delay trigger Hours before benefits kick in | Included Trip delay included | $500 after 3 hours Trigger: 3 hours | 6h / $500 Trigger: 6 hours or overnight stay | $500 after 6 hours Trigger: 6 hours |
Rental CDW Primary or secondary | Primary (intl) / Secondary (US) Primary CDW outside US | Primary / $75,000 Primary coverage | Primary / $75,000 Primary coverage worldwide | Primary / $75,000 Primary coverage |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the Citi AAdvantage Globe
Reviews from AwardWallet, Citi AAdvantage community, FlyerTalk, and NerdWallet 4 reviews
AM
AwardWallet member
Priority reservations and real-world lifestyle value
The Globe's World Legend network unlocks some genuinely premium lifestyle benefits — priority reservations at top restaurants were actually useful in Paris and Tokyo.
CA
Citi AAdvantage community member
CDW primary outside the US is a genuine differentiator
Travel insurance coverage seems solid — broader than the Platinum Select at least. CDW primary outside the US is a great perk for international rentals.
FF
FlyerTalk Forums member
Too new for real claims data
It's hard to find concrete reviews of Globe insurance claims — the card is too new. I'm holding off until more data points emerge.
NR
NerdWallet reader
Hard to justify the $699 unless you fly AA heavily
The $699 annual fee is a significant jump from the $99 Platinum Select and sits above the $595 Executive. Hard to justify unless you fly AA frequently and want the World Legend perks.
Emergency · Card assistance line
How to contact Citi AAdvantage Globe assistance?
Mastercard World Legend benefits through New Hampshire Insurance Company
US Assistance
1-800-627-8372
Toll-free · 24/7
International Assistance
+1-636-722-7111
Collect call · 24/7
Benefit administrator: Sedgwick | mycardbenefits.com
Claims & pre-authorizations
How to file a claim
1
Open your claim immediately
Go to mycardbenefits.com or call Sedgwick to open your claim. File the day the incident happens, not when you return home.
2
Gather your documents
Sedgwick will ask for your Globe card statement showing the original purchase, proof of the covered event (physician's statement, airline delay notice, or PIR filed at the airport for baggage), and itemized receipts for all expenses claimed.
3
Submit within the deadline
Confirm the exact filing window for your specific benefit when you open the claim. Deadlines typically run 20 to 60 days from the incident. Document submission windows are typically 60 to 180 days.
4
Respond to follow-up requests
Sedgwick may request supplemental documentation. Respond promptly. Clean approvals typically take 2 to 3 weeks. Some cardholders report multiple rounds of document requests before resolution.
FAQ
What people ask about the Citi AAdvantage Globe
- Most Citi AAdvantage Globe travel benefits activate automatically when you purchase your trip with the card. For trip cancellation, trip delay, and baggage coverage, the common carrier ticket must be charged to your Globe card. For rental car coverage, decline the rental agency's collision damage waiver (CDW) at the counter and pay the full rental cost with your card. No pre-registration is required. In a medical emergency, contact Mastercard World Legend assistance at 1-800-627-8372 (US) or +1-636-722-7111 (collect international) before arranging any evacuation. All claims are filed through Sedgwick at mycardbenefits.com.
- The primary cardholder, spouse or domestic partner, and dependent children under 22 are covered under most Citi AAdvantage Globe travel benefits. Authorized users on the same account may have coverage on eligible benefits. For trip delay and baggage claims, coverage applies to the persons whose tickets were purchased with the card. The exact definition of covered persons varies by benefit type. Since Citi has not published a Guide to Benefits for this card, review the specific benefit terms at mycardbenefits.com for precise definitions that apply to each guarantee.
- The Citi AAdvantage Globe provides primary CDW (collision damage waiver) on international rentals and secondary CDW inside the United States. On international trips, decline the rental agency's CDW at the counter, pay the full rental with your card, and MasterRental Insurance is your primary protection: file directly with Sedgwick at mycardbenefits.com without involving your personal auto insurer. In the US, your personal auto policy pays first and the card covers the remainder. Rental duration is typically capped at 31 consecutive days. Luxury vehicles, motorcycles, and cargo vans are excluded.
- Claims for Citi AAdvantage Globe benefits are handled by Sedgwick at mycardbenefits.com. Call 1-800-627-8372 inside the US or +1-636-722-7111 collect internationally to report an incident. For baggage claims, file a Property Irregularity Report (PIR) with the airline at the airport before leaving the terminal. For trip delay, keep itemized receipts for meals, accommodation, and transportation from the moment the delay is confirmed. For rental car damage, notify Sedgwick before leaving the rental lot. File the day the incident happens, not when you return home.
- The most significant gap is emergency medical expenses abroad, which are not confirmed as a separate benefit on this card. A single ER visit in Japan or Europe typically runs $10,000 to $80,000, and Citi has not publicly disclosed any dollar amounts for this card. Cell phone protection is not included. Trip cancellation scope on Citi cards typically covers common carrier costs only, meaning hotel deposits and prepaid tour packages are probably not reimbursable. Inside the United States, rental car coverage is secondary: your personal auto insurer pays first. Price protection, return protection, and hotel theft protection are also absent.
- For international travel, yes. The most critical gap is the absence of confirmed emergency medical expense coverage abroad. The card includes emergency evacuation through the Mastercard World Legend network, but emergency medical bills at the hospital are not a confirmed separate benefit. A single emergency abroad can cost $15,000 to $80,000. Trip cancellation scope on Citi cards typically covers common carrier costs only, leaving hotel deposits and tours unprotected. A standalone travel insurance policy fills both of these gaps for most international travelers.
- No. The Citi AAdvantage Globe Mastercard does not include cell phone protection. Theft or accidental damage to your phone is entirely out of pocket. Replacing a flagship iPhone or Android costs $800 to $1,300. Screen repair alone typically runs $300 to $500. For a card with a $350 annual fee, the absence of cell phone protection is a notable gap, especially when competing premium cards at similar price points include it. Consider adding a separate device protection plan if this benefit matters to you.
- Yes. Emergency evacuation is confirmed through the Mastercard World Legend network, underwritten by New Hampshire Insurance Co. (AIG). The benefit covers transportation to the nearest appropriate medical facility when medically necessary, with repatriation once you are stable. Contact Mastercard World Legend assistance at 1-800-627-8372 (US) or +1-636-722-7111 (collect) before arranging any evacuation — pre-authorization is typically required. Specific dollar limits are not publicly disclosed for this card. Note that emergency medical bills at the destination hospital are a separate gap not covered by this benefit.
- It depends on where you rent. Outside the United States, the Citi AAdvantage Globe provides primary CDW: file directly with Sedgwick without first filing a claim with your personal auto insurer. Inside the United States, coverage is secondary: your personal auto insurer pays first, and the card covers remaining costs up to the benefit limit. In both cases, you must decline the rental agency's CDW at the counter and pay the full rental with your Globe card. Luxury vehicles and motorcycles are excluded regardless of location.
Not just Citi
Other cards worth considering
AAdvantage Globe is a strong choice — but depending on what you prioritize, one of these may suit you better.
Sapphire Reserve
Chase
Sapphire Reserve Business
Chase
Ritz-Carlton
Chase
Prestige
Citi
