Your Guide To Protection Benefits: Citi Prestige

TRAVEL SHOPPING
Your Guide
to Protection
Benefits
Learn how your benefits may
help you before, during and
after you swipe, tap or click.
Effective date: May 15, 2016
www.citi.com/prestige I 1-866-506-5222 (TTY: Use

Relay Service) or call collect
internationally at 1-312-356-7830
Citi Prestige ®
Read this Guide carefully. Each benefit
description provides you with the details on
what coverage you have and any exclusions
and restrictions.
This Guide includes important details about the benefits that come with
your card at no additional cost. When something unexpected interferes
with your travel or a purchase does not work out so well, we may be able
to help. Read ahead to learn how your card can protect you — then keep
this Guide in a safe place so you know how to make the most of your
benefits when you need them.
The benefits, as described in this Guide, apply to purchases made with

your Citi® card and/or ThankYou® Points on or after the effective date,
and this Guide then replaces any Summary or other program description
you may have received earlier.
KEY TERMS
■ You or your means the person who applied to open a Citi credit
card account or an authorized user. It also means any other person
responsible for complying with the conditions of these benefits.
Specifically, we note in the benefit descriptions when the meaning
of “you” or “your” is expanded to include any additional people.
■ Citi means Citibank, N.A., the issuer of your credit card account.
■ Citi card means a credit card issued by Citi that provides you
the benefits described in this Guide.
■ We, us or our means the insurance company or administrator
that provides these benefits for your Citi card.
■ Authorized user means any person you allow to use your

Citi card account and that was issued a Citi card.
In order for purchases made with ThankYou® Points to be eligible

for coverage, you must redeem your ThankYou® Points for the
purchase directly. ThankYou® Points redeemed for gift cards are
not eligible for coverage.
Citi and the insurers reserve the right to change the benefits and
features of these programs at any time with notice.
The coverage period of the services described in this Guide will be
cancelled on the date your charging privileges on your card have in
any way been suspended, or if your account is suspended, or if for
any reason your account has been closed. If your account is closed,
or you default under your Cardmember Agreement, your eligibility
to receive the services described in this Guide will immediately be
cancelled. However, benefits will still apply for any benefit for which
you were eligible prior to the date that your account is suspended or
closed, subject to the terms and conditions of the specific coverage.
Receipt of this Guide does not guarantee coverage or coverage
availability.
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TRAVEL BENEFITS
Worldwide Car Rental Insurance 4
Medical Evacuation 6
Trip Cancellation & Interruption Protection 8
Trip Delay Protection 12
Baggage Delay Protection 14
Lost Baggage Protection 16
Roadside Assistance Dispatch Service 18
Travel & Emergency Assistance 19
Worldwide Travel Accident Insurance 21
SHOPPING BENEFITS
Damage & Theft Purchase Protection 24
Citi® Price Rewind 25
Extended Warranty 27
90 Day Return Protection 30
Missed Event Ticket Protection 31
Additional Terms 34
Questions about these benefits? Call 1-866-506-5222 24/7/365 or

call collect internationally at 1-312-356-7830. 3
Worldwide Car
Rental Insurance
No matter what car you rent or where,
you may be covered.
We will cover you up to $100,000 toward the cost of repairs or the
cash value of the car, whichever is less, if a covered accident or
theft occurs when you pay for a rental car with your Citi card
and/or ThankYou® Points and decline the rental company’s collision
loss/damage insurance.
To be eligible for coverage under this benefit, your Citi card and/or
ThankYou® Points must be used to pay for the rental car. If a rental
car company promotion/discount of any kind is initially applied
toward payment of the rental, any remaining portion of the rental
must be paid for with your Citi card and/or ThankYou® Points.
How Long are The length of the rental car agreement

you Covered? must be for a rental period of no more
than 31 consecutive days.
Where are Coverage is available worldwide.

you Covered? Some countries or car rental agencies
require a letter of coverage, please
check with the rental agency before
you go, please call 1-866-506-5222
or visit www.citi.com/prestige.
Maximum $100,000
Coverage
> WHO’S COVERED

You and any authorized driver designated on the rental car
agreement, with a valid driver’s license.
>WHAT’S COVERED
In the United States, the coverage provided by this

benefit is secondary.
This means that if you have another insurance policy that will cover
the cost of damage or theft to your rental car, this benefit will cover
only the amount your other policies do not. Worldwide Car Rental
Insurance does cover deductibles you may have to pay under your
other insurance policies (or that your employer may have to pay, if
you rented the car for business reasons).
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Outside the United States, the coverage provided
by this benefit is primary even if you have another
insurance policy.
To take advantage of this benefit, the following conditions apply:

■ The rental period is no more than 31 consecutive days.
■ The rental car is a motor vehicle with at least four wheels
that is designed to be driven on public roads.
■ The rental car is:
- Damaged by an accident;
- Damaged by a natural disaster or vandalized; or
- Stolen.
> WHAT’S NOT COVERED

Coverage does not apply to any claim under the following conditions:
■ The rental car is used in a way that goes against your rental
car agreement (such as driving recklessly or under the influence
of drugs or alcohol) or against clear instructions or warnings
posted in the car.
■ The rental car was used as a car for hire.
■ You or an authorized driver does not take responsible care
of the rental car.
This coverage is not all-inclusive, which means it does not cover such
things as personal injury, personal liability, or third-party personal
property. It does not cover for any damages to other cars or property.
It does not cover for any injury to any party.
>HOW TO FILE A CLAIM

Please follow the steps below and pay close attention to the
deadlines to make sure you remain eligible for coverage.
Please take pictures of the damage, if possible.
1. To file a claim, call 1-866-506-5222 as soon as possible

after your rental car is damaged or stolen. We will ask you a
few questions, send you a claim form and advise you of what
documents we may need as proof to support your claim.
Or you can visit www.citi.com/prestige to download a claim
form for submission.
2. Return the claim form and all requested documents within

180 days of the incident. We will notify you of our decision
once we’ve processed your claim.

Medical Evacuation
Get help 24/7 when traveling and the right
emergency care isn’t available locally.
Becoming seriously ill or injured while on a Trip can be frightening,
especially if you can’t get the help you need right where you are, but
we may be able to help. If you have a serious medical emergency and
need help getting home or to the right medical facility, we’ll cover up
to $100,000 in costs for your medical evacuation. This coverage also
applies if you lose your life, and your remains need to be returned home.
ThankYou® Points must be used to purchase at least a portion of
the Trip.
How long am From Trip Departure Date through

I covered? Trip Completion Date
What is the $100,000

maximum coverage
per Covered Traveler?
Trip means any pre-paid travel, tour or vacation when all or at

least a portion of the cost of such arrangements was paid using
your Citi card and/or ThankYou® Points for all Covered Traveler(s).
Trip Departure Date means the date on which the Covered
Traveler(s) are originally scheduled to leave on the Trip.
Trip Completion Date means the date on which the Covered

Traveler(s) are scheduled to return to their point of origin or
to a different final destination.
>WHO’S COVERED
Covered Travelers which means, you or your spouse, your Domestic
Partner or your Dependent(s) traveling with you.
Dependents means your children who can be claimed on your

federal tax return.
Domestic Partner means a committed relationship between two

unmarried adults, in which the partners, (1) are each other’s sole
Domestic Partner, (2) maintain a common residence, (3) share
financial obligations if both are employed, (4) are not married or
joined in a civil union to anyone else or are not the Domestic
Partner of anyone else, and (5) are not blood related.
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> WHAT’S COVERED
Medical Evacuation covers expenses that a doctor

recommends and we authorize in advance.
To take advantage of this benefit, the following conditions must apply:

■ The Covered Traveler becomes seriously sick, injured or
dies while traveling on the Trip.
■ A doctor certifies that the Covered Traveler’s illness or injury is
severe enough to require an emergency medical evacuation.
■ In the medical evacuation, the Covered Traveler is transported
in the most direct and cost-effective route possible.
■ The Trip is less than 60 consecutive days long.
Covered expenses
■ Transportation from the place where the Covered Traveler
becomes sick or injured to the nearest hospital where they
can receive proper treatment.
■ Transportation to the Covered Traveler’s home, or to an
appropriate hospital near their home, if they need further
treatment after having been treated at a local hospital.
■ Related medical services and supplies needed while
transporting the Covered Traveler.
■ In the case of death, transportation to return the Covered
Traveler’s remains to their home as well as cremation or
embalming services, and a casket for transportation.

Coverage doesn’t apply if:
■ We didn’t authorize the evacuation in advance.
■ Travel was for commuting purposes that is less than
75 miles from origination.
■ The Covered Traveler was involved in fraud, illegal
activity, a riot or an act of war.
> HOW TO REQUEST HELP

Call 1-866-506-5222 in the United States, or call collect
internationally at 1-312-356-7830.
We may require a doctor of our choice to examine the Covered

Traveler as is reasonably necessary while the claim is pending,
or while we’re paying benefits. In the event of a death, we may
require an autopsy where permitted by law. We’ll cover the costs
of any exams or autopsy we require.

Trip Cancellation &
Interruption Protection
We may cover the cost for nonrefundable
Trip expenses if certain unforeseen events
get in the way of your Trip.
Some examples include: sickness, injury, death of the Covered
Traveler(s) and weather issues.
If a Trip is cancelled, interrupted or extended for a covered reason
(See What’s Covered), you may be reimbursed up to $5,000 per
Covered Traveler per Trip.
ThankYou® Points must be used to purchase at least a portion of the
Trip. In the event of partial payment, we will only reimburse the lesser
of the actual amount paid for with your Citi card (including ThankYou®
Points) or the maximum coverage per Trip.
How Long are Trip Cancellation coverage begins on the

you Covered? date the Trip was purchased and ends on
the Trip Departure Date.
Trip Interruption coverage begins on the
Trip Departure Date and ends on the Trip
Completion Date.
Maximum Coverage is limited to the lesser

Coverage of the following:
■ $5,000 maximum per Covered Traveler
per Trip.
■ In the event of partial payment, the
actual amount charged to your Citi card
(and/or ThankYou® Points).

least a portion of the cost of such arrangements was paid using
your Citi card and/or ThankYou® Points for all Covered Travelers.
>WHO’S COVERED
Covered Travelers which means, you, your Family Members, and
Traveling Companion(s) traveling on the Trip.
Family Members means your children, spouse, fiancée, Domestic
Partner and their children, including adopted children or
step-children; legal guardians or wards; siblings or siblings-in-law;
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son-in-law or daughter-in-law; parents or parents-in-law;
grandparents or grandchildren; aunts or uncles; nieces or nephews.
Traveling Companion means any individual(s) for whom you
have paid to travel on your or your Family Member’s Trip.
You are still eligible for coverage on Trips for your

Family Member(s) and their Traveling Companion(s)
even if you are not traveling.
> WHAT’S COVERED
Trip Cancellation & Interruption Protection applies for

reasons listed below. It doesn’t provide coverage if the
Covered Traveler simply choose to change plans, have
a work conflict, not feeling well but still able to travel,
preferred lodging isn’t available or the Covered Traveler
can reach their destination but decide not to travel.
Any event/incident that occurred prior to the Trip being
booked are not covered. Please see “What’s Not Covered”
for additional restrictions.
Covered Reasons: Illness or Personal Matters:

■ The Covered Traveler(s) becomes sick or injured, and is advised
by a licensed medical practitioner not to travel.
■ The Covered Traveler(s) is advised by a licensed medical practitioner
not to travel after the purchase date of the Trip due to a medical
advisory issued by a health or government agency, that directly
affects the Covered Traveler’s Trip Destination.
■ The Covered Traveler’s Family Member, not traveling on the Trip,
has an injury or illness that is either life threatening or requires
care from the Covered Traveler(s) and is verified by a licensed
medical practitioner.
■ The Covered Traveler’s Pet, has an injury or serious illness that
is either life threatening or requires care and is verified by a
licensed veterinarian. Pet(s) means any domesticated or tamed
animal that is kept as a companion and cared for affectionately.
■ The Covered Traveler(s) dies.
■ The Covered Traveler’s Family Member, not traveling on the
Trip, dies.
■ The Covered Traveler(s) is laid off or fired from their job.
■ The Covered Traveler(s) is called to jury duty or receives a subpoena
from the court, neither of which can be postponed or waived.

■ The Covered Traveler(s) or the Covered Traveler’s Family
Member(s) is called into active military service.
■ The Covered Traveler(s) or the Covered Traveler’s Family
Member’s permanent residence is deemed unsafe or unfit to
live in, or is burglarized.
■ The Covered Traveler(s) or the Covered Traveler’s Family Member(s)
is the victim of an assault within 10 days of the Trip Departure Date.
Covered Reasons: Travel or Weather Issues:
■ Severe weather or natural disaster causes all travel to or from the
Covered Traveler’s Trip destination to stop for at least 24 hours.
■ The Covered Traveler(s) can’t travel due to a quarantine or
a hijacking.
■ The Covered Traveler(s) misses more than half of their Trip because
of missed connections, delayed departures, denied boarding, traffic
accidents on their way to a departure, or lost or stolen passports.
■ The Covered Traveler(s) misses a cruise or tour departure because
all common carrier travel to or from their destination is cancelled
or delayed at least 3 hours due to severe weather or a problem with
the common carrier.
■ Before the Trip Departure Date, a cruise or tour operator cancels
or postpones a prepaid event or activity, such as a shore excursion,
and it’s not rescheduled at a time and the Covered Traveler(s)
cannot participate during their Trip.
■ A travel supplier, such as an airline or lodge, goes out of business
or goes into financial default after the purchase of the Trip,
impairing the Covered Traveler’s ability to travel.
■ A mandatory evacuation is ordered by a government or public
safety agency at the Covered Traveler’s Trip destination.
■ A terrorist incident certified by a government agency, occurs in
the Covered Traveler’s Trip destination.
You will be reimbursed for the following eligible amounts resulting
from the cancellation, interruption or extension of the Covered
Traveler’s Trip due to a covered reason:
■ The value of the Covered Traveler’s unused transportation
tickets or forfeited deposits, minus any refund or credit received
from the airline or other travel supplier(s).
■ Change fees charged by the airline or other travel supplier(s).
■ A credit/voucher that is not used by its expiration date or within
12 months of the issuance date, whichever is sooner.
■ Other unused, nonrefundable travel expenses, such as lodging,
tour fees or activity fees.
■ Additional costs to get the Covered Traveler home if the Trip
is interrupted, as long as new arrangements are within the same
fare class service as the original booking, such as economy or
business class.
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■ Additional fares or tickets needed to rejoin the Trip that has been
interrupted must be booked within the same fare class service as
the original booking, such as economy or business class.
■ Reasonable expenses for similar accommodations and meals that
are incurred because of an interruption or reasonable extension
of the Trip due to a covered reason.
■ Fees charged by a travel supplier(s) if one person cancels the Trip
for a covered reason, and another person continues with the Trip
alone. For example, this could include a single occupancy fee for
lodging or cruise that was booked at a double occupancy rate.
■ Reasonable costs to return the Covered Traveler’s vehicle to their
residence if they need to get home another way.
The coverage provided by this benefit is secondary. This means if the
Common Carrier or another source reimburses the Covered Traveler(s)
for any expenses, this benefit will cover only unreimbursed amounts.
>WHAT’S NOT COVERED

■ The Covered Traveler(s) decides to cancel, interrupt or extend
their Trip for any reason not covered under “What’s Covered”.
■ Any event/incident (such as severe weather or terrorist incident)
that occurred prior to the Trip being booked.
■ Death, serious injury or sickness of a non-Family Member that
is not traveling on the Trip.
■ The Covered Traveler(s) has been advised against traveling by
a licensed medical practitioner prior to the Trip being booked.
■ The Covered Traveler(s) did not get the required travel
documentation, such as a passport or visa.
■ The Covered Traveler(s) is unable to start or continue their Trip
due to being involved in or under suspicion of any criminal act,
illegal activities, being prevented from traveling by a government
agency or disruptive/abusive behavior.
> HOW TO FILE A CLAIM

1. To file a claim, call 1-866-506-5222 within 60 days of
cancellation, interruption or reasonable extension of the
Trip. We will ask you a few questions, send you a claim form
and advise you what documents we may need as proof to
support your claim. Or you can visit www.citi.com/prestige
to download a claim form for submission.

180 days of cancellation, interruption or reasonable extension
of the Trip or as soon as reasonably possible. We will notify you
of our decision once we’ve processed your claim.

If the Covered Traveler was issued a credit/voucher by
the travel supplier (i.e. airlines, hotel, etc.) please retain
all supporting documentation in case you decide to seek
reimbursement at a later date for any credit/voucher
that expires or is unused per the coverage provision. To
start a claim for an expired or unused credit/voucher,
please call 1-866-506-5222 within 60 days after the
expiration date or anniversary date of issuance.
Trip Delay Protection

Expenses while you wait, like meals or
lodging? No worries, it’s covered.
If a Covered Traveler’s Trip on a Common Carrier is delayed for at least
3 hours, we may reimburse you for expenses incurred because of the
delay. You are covered for up to $500 per Covered Traveler, per Trip.
Common Carrier fare.
How Long are From Trip Departure Date to Trip

you Covered? Completion Date.
Maximum Coverage $500

per Covered Traveler
per Trip
Common Carrier means a vehicle that’s licensed to transport any

public passenger who pays a fare or buys a ticket, and is available
on a regular schedule. Examples include planes, trains, ferries and
cruise ships, but does not include taxis, car service, rental car, and
rideshare service.
Trip means any pre-paid travel, tour or vacation when all or at least
a portion of the cost of the Common Carrier fare was paid using
your Citi card and/or ThankYou® Points for all Covered Travelers.
Trip Departure Date means the date on which the Covered Traveler(s)
are originally scheduled to leave on the Common Carrier.
Traveler(s) are scheduled to return to their point of origin or to
a different final destination.
>WHO’S COVERED
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Traveling Companion means any individual(s) for whom you have

paid to travel on your or your Family Member’s Trip.

>WHAT’S COVERED
This benefit covers the following expenses, as long as they are
reasonable and necessary for the Covered Traveler to incur during
the delay:
■ Lodging.
■ Ground Transportation.
■ Meals.
■ Personal or business necessities, such as toiletries, or items
that the Covered Traveler(s) needs when delayed.

■ The delay is caused by the Common Carrier.
■ The Covered Traveler’s passport, money or other travel
documents are lost or stolen.
■ The Covered Traveler(s) are not able to board because of
overbooking.
■ The Covered Traveler’s Trip is delayed because of severe
weather, a natural disaster, a previously unannounced strike,
a quarantine or hijacking.

The following conditions are excluded from coverage:
■ The Covered Traveler(s) accepted an offer or coupon in
exchange for not boarding an overbooked flight.
■ The Covered Traveler(s) is delayed due to being involved
in or under suspicion of any criminal act, illegal activities,
or disruptive/abusive behavior.

1. To file a claim, call 1-866-506-5222 within 60 days of the Trip

delay. We will ask you a few questions, send you a claim form
and advise you what documents we may need as proof to
support your claim. Or you can visit www.citi.com/prestige

180 days of the Trip delay or as soon as reasonably possible. We
will notify you of our decision once we’ve processed your claim.
Baggage Delay Protection

You’re never at a loss when bags are
late — buy what is needed, it’s covered.
If the Covered Traveler’s Common Carrier checked baggage is delayed
on a Trip, we may reimburse the cost of necessary personal and
business items until their baggage arrives. You are covered for up to
$500 per Covered Traveler, per Trip if the Covered Traveler’s checked
baggage doesn’t get to their destination within 3 hours of arrival.
How Long are From Trip Departure Date to Trip

you Covered? Completion Date.
Maximum Coverage $500

per Covered Traveler,
per Trip

rideshare service.
least a portion of the Common Carrier fare was paid using your
Citi card and/or ThankYou® Points for all Covered Travelers.
Traveler(s) are originally scheduled to leave on the Common Carrier.

Traveler(s) are scheduled to return to their point of origin or to
a different final destination.
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>WHO’S COVERED
Traveling Companion means any individual(s) for whom you have paid
to travel on your or your Family Member’s Trip.

joined in a civil union to anyone else or are not the Domestic Partner
of anyone else, and (5) are not blood related.

>WHAT’S COVERED
This benefit covers personal and business items that the Covered
Traveler(s) may need when their baggage is delayed, such as toiletries
or a change of clothes, unless they’re included in the “What’s Not
Covered” list below.
There is no coverage when baggage is delayed returning to the
Covered Traveler’s primary residence.

Coverage does not apply to the following items:
■ Any items not contained in the checked baggage.
■ Traveler’s checks, tickets of any kind (e.g., for airlines, sporting
events, concerts, or lottery), passport, visas, negotiable
instruments, bullion, rare, or precious metals, stamps, and
coins, currency or its equivalent.
Make sure the Covered Traveler notifies the airline

(or other Common Carrier) before leaving the airport
or station, and keep a copy of any report provided.

1. To file a claim, call 1-866-506-5222 within 60 days of the bags
being delayed. We will ask you a few questions, send you a claim
form and advise you what documents we may need as proof
to support your claim. Or you can visit www.citi.com/prestige
2. Return the claim form and all requested documents within 180
days of the bags being delayed or as soon as reasonably possible.
We will notify you of our decision once we’ve processed your claim.
If you make a claim and receive payment, you won’t receive coverage
for the same or similar items under any other Citi card benefit.
Lost Baggage Protection

Say good-bye to baggage worries. You’re
covered if items are lost, stolen, or damaged.
If a Covered Traveler’s checked or carry-on luggage is lost, stolen, or
damaged by the Common Carrier while on a Trip, we may refund the
purchase price of the missing items or the cost to repair or replace the
damaged items, whichever is less. You are covered for up to $3,000 per
Covered Traveler, per Trip ($2,000 per bag for New York residents), or
up to $10,000 in total for all Covered Travelers, whose Common Carrier
fare is charged to your Citi card and/or ThankYou® Points.
How Long are While baggage is checked with or

you Covered? carried on board the Common Carrier
Maximum Coverage $3,000 ($2,000 per bag for

per Covered Traveler, New York Residents)
per Trip
Maximum $10,000
Coverage per Trip

rideshare service.

>WHO’S COVERED
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paid to travel on your or your Family Member’s Trip.


>WHAT’S COVERED
A checked or carry-on item is covered unless it’s included in the
What’s not covered list below. We’ll cover the item’s purchase price
(including sales tax), or the cost of repairing it, whichever is less.

■ Antiques and collector’s items.
■ Traveler’s checks, tickets of any kind (e.g., for airlines, sporting
events, concerts, or lottery), passport, visas, negotiable
instruments, bullion, rare, or precious metals, stamps, and
coins, currency or its equivalent.
Coverage doesn’t apply to any item that’s lost, stolen or damaged
under these specific circumstances:
■ The Covered Traveler(s) is involved in a fraudulent or illegal activity.
■ The item is seized by customs or any government agency.

Make sure the Covered Traveler notifies the airline

(or other Common Carrier) before leaving the airport
or station, and keep a copy of any report provided.

the bags being lost, stolen, or damaged. We will ask you
a few questions, send you a claim form and advise you
what documents we may need as proof to support your
claim. Or you can visit www.citi.com/prestige to download
a claim form for submission.

180 days of the bags being lost, stolen, or damaged or as soon
as reasonably possible. We will notify you of our decision once
we’ve processed your claim.
If you make a claim and receive payment, you won’t receive coverage
for the same or similar items under any other Citi card benefit.
Roadside Assistance
Dispatch Service
Get help 24/7 with a single call
when car problems strike.
If you have car trouble while you’re on the road in any of the 50
United States, District of Columbia, Puerto Rico and the US Virgin
Islands we’ll send help directly to your location — at no cost.
>WHO’S COVERED
This benefit covers you.
>WHAT’S COVERED
This dispatch service sends help if you need:
■ Towing and winching (you will be responsible for expenses
associated with towing beyond 10 miles).
■ Jump starts.
■ Flat tire changes (when a spare is available).
■ Lock-out service (when the key is in the vehicle).
■ Delivery of up to 2 gallons of fuel.

■ You’re with the vehicle.
■ You’re in a regularly traveled area (not off-road) that’s
accessible to ordinary tow trucks.
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Roadside Assistance Dispatch Service isn’t available under the
following circumstances:
■ The vehicle is a motorcycle, a recreational vehicle or
a commercial vehicle.
■ The vehicle is a camper, in-tow or a trailer with a capacity
greater than one ton.
Please note that any service providers that assist

you are solely responsible for their own work.
>HOW TO REQUEST HELP

Call 1-866-506-5222 as soon as you run into trouble, and we’ll refer
you to someone who can help. Please have your Citi card available,
when you call. If you need to leave your vehicle to call for help, make
sure you return in order to receive Roadside Assistance. If the car
involved is a rental car, be sure to call the car rental company first.
Many rental companies have specific requirements for emergency
road service.
Please note that service will be dispatched for all eligible

requests, there may be a delay in arrival due to weather
or events outside our control.
Roadside Assistance Dispatch Service administered by Brickell

Financial Services-Motor Club, Inc. d/b/a Road America Motor Club.
Travel & Emergency

Assistance
We’re here 24/7 for emergency travel
arrangements, travel issues, medical and
legal referrals, and much more.
If you need assistance before or during a trip, we offer services
and referrals worldwide in case of emergencies, or help with travel
requirements or complications. You won’t have to scramble to find
services close to your location or worry about asking for help when
you don’t speak the language.
Any information or referral we provide is free, but

you will have to pay for any services you use, such as
medical care or legal advice.

>WHO’S COVERED
This benefit covers you, Family Members and Traveling Companions.
paid to travel on your or your Family Member’s trip using your
Citi card and/or ThankYou® Points.
You are still eligible for coverage on trips for your

> SERVICES PROVIDED

We connect you with the following services when you need them.
Travel and emergency assistance
■ Round-the-clock access to emergency travel arrangements.
■ Emergency transfer of cash from a Family Member, friend
or business account.
■ Information on travel requirements, such as visas or
immunizations needed.
■ Help locating lost or stolen travel materials, including luggage.
■ Monitoring of global threats and risks in your destination
cities and countries.
Medical and legal assistance
■ Referrals to local translators, doctors, dentists, hospitals and
pharmacies. At your request, we can also dispatch any of these
services to your location.
■ Assistance with prescription replacements.
■ Transportation to another medical facility if you have to be
moved to receive the treatment you need.
■ Travel arrangements for a Family Member or friend to be
brought to your bedside, if you’re under medical care.
■ Coordination with doctors or nurses in the United States who
can consult with local medical professionals and help monitor
your condition.
■ Referrals to translator for legal services or consultations with
appropriate embassies and consulates.
20
The cost of any professional or emergency service is
not covered and will be your responsibility.
> HOW TO REQUEST HELP

Call 1-866-506-5222 in the United States, or call collect
internationally at 1-312-356-7830
.
We make every effort to respond when you have an
emergency, even if you need assistance beyond the
services listed here. However, because of occasional
problems that may be caused by distance, location
or time, we can’t be responsible for the availability,
use, cost or results of any service.
Worldwide Travel
Accident Insurance
Travel with more peace of mind. We’re here to
cover you even if the unimaginable happens.
Worldwide Travel Accident Insurance is a type of coverage that you
hope to never need, but it may offer some financial help to you or
your loved ones if a tragic accident does occur. If you die in a Common
Carrier accident while traveling — or lose a limb, sight, speech or
hearing — we may provide up to $1,000,000 in compensation.
ThankYou® Points must be used to purchase the full amount of the
Common Carrier fare for the Covered Traveler(s).
How long are From Trip Departure Date through Trip

you covered? Completion Date when boarding, exiting or
riding as a passenger in a Common Carrier.
What is the $1,000,000 per person

maximum
coverage?

rideshare service.

>WHO’S COVERED
Covered Traveler(s) which means, you, your spouse, your Domestic
Partner, or your Dependent(s).
Dependents means your children who can be claimed on your
federal tax return.
>WHAT’S COVERED
To receive payment under this benefit, the following conditions
must apply:
The injury or death to the Covered Traveler(s) is caused by one
of the following:
■ An accident that occurs when boarding, exiting or riding as a
passenger on a Common Carrier;
■ Exposure to the elements after a Common Carrier accident; or
■ The accident or disappearance of a Common Carrier, which
causes the Covered Traveler(s) to remain missing for 52 weeks,
after which we’ll assume they’re no longer alive.
22
Maximum 50% of the 25% of the
coverage of Maximum coverage Maximum coverage
$1,000,000 or $500,000 or $250,000
For death or loss of: For loss of: For loss of:
■ Both hands ■ Hearing in ■ Thumb and
or both feet both ears index finger of
the same hand
■ One hand ■ Ability to
and one foot speak
■ Sight in ■ Sight in
both eyes one eye
■ Either hand ■ One hand or
or foot and one foot
sight in one eye
■ Hearing in
both ears and
ability to speak

■ Losses as a result of a riot or act of war.
■ Traveling in a taxi, car service, rental car, and rideshare service.
■ Boarding or exiting a Common Carrier while engaging in
extreme activities.

1. To file a claim, call 1-866-506-5222 within 60 days of the
accident. We will ask you a few questions and advise you
what documents should be submitted with your claim form.
Or you can visit www.citi.com/prestige to download a
claim form for submission.

180 days of the accident or as soon as reasonably possible. We
will notify you of our decision once we’ve processed your claim.
In the case of death, benefits will be paid to the Covered
Traveler’s estate.

Damage & Theft
Purchase Protection
Shop with more confidence — you’re covered
if your purchase is damaged, lost, or stolen.
If an item is purchased with your Citi card and/or ThankYou® Points
and is damaged, lost, or stolen within 120 days (90 days for New York
residents) of purchase or delivery of the item, whichever is first, we
may repair it or reimburse you up to the amount paid with your
Citi card and/or ThankYou® Points. You’re covered for up to $10,000
per item, up to $50,000 per year, per Citi card account.
To be eligible for coverage, you must pay for the item at least in part
with your Citi card and/or ThankYou® Points. We will only reimburse
the lesser of the actual amount paid for with your Citi card (including
ThankYou® Points) or the maximum coverage per item.
How Long are Within 120 days (90 days for New York
you Covered? residents) of purchase or delivery of
the item, whichever is first
Maximum Coverage is limited to the lesser

Coverage of the following:
per Item ■ $10,000
■ The amount charged to the Citi card
(including ThankYou® Points).
Maximum Coverage $50,000

per calendar year
per account
This coverage is primary except for New York residents where

coverage is secondary.
> WHAT’S COVERED

Purchases made by you using your Citi card and/or ThankYou® Points.

■ Boats, cars, aircraft, or any other motorized land, air or water
vehicles and their original equipment. Tires are covered.
■ Products that can spoil or be consumed, such as food, fuel,
or medications.
■ Currency, cash (including rare or precious coins), gift cards,
or Traveler’s checks.
■ Tickets of any kind (e.g., for airlines, sporting events, concerts
or lottery).
24
■ Items purchased for resale, professional or commercial use.
■ Advice or services for a purchased item, such as product
installation, labor, maintenance or repair.
Coverage does not apply to any item if it’s damaged, lost, or stolen
under these conditions:
■ The item was not reasonably cared for to prevent the damage
or theft.
■ The item is used in a way that goes against the manufacturer’s
instructions or warnings, or is altered from its designed purpose.
■ The item is damaged because of a product defect or experiences
normal wear and tear where no failure has occurred.
■ The item is damaged because of an act of God, such as a
flood, hurricane, lightning, wind or earthquake.
Please keep the damaged item in case you are asked

to provide it.
1. To file a claim, call 1-866-506-5222 as soon as possible

after the incident. We will ask you a few questions, send you
a claim form and advise you what documents we may need
to support your claim. Or you can visit www.citi.com/prestige

180 days of the date of incident. We will notify you of our
decision once we’ve processed your claim.
Citi Price Rewind

Did you get the lowest price on your
Citi card purchase? Let Citi Price Rewind
search for you.
Citi Price Rewind searches for a lower price at hundreds of online
merchants on the registered items you pay for with your Citi card. If
the same item is found at a lower price within 60 days of your initial
purchase date, you may receive the difference between the price you
paid and the lower price found by Citi Price Rewind. If you find a lower
price that may qualify you to receive the difference in price, you can go
to www.citipricerewind.com/how-it-works to learn more.
To be eligible for the Citi Price Rewind benefit, you must pay for the
item at least in part with your Citi card. You will only receive the lesser
of the actual amount paid for with your Citi card or the maximum
benefit per item.

How Long is Citi 60 days from date of purchase for
Price Rewind each item
Available?
Maximum The lesser of the following:

Benefit ■ $500
per item
■ The amount charged to
the Citi card.
Maximum Benefit $2,500

per calendar year
per account
Citi Price Rewind tracks online prices for purchases you have
registered at www.CitiPriceRewind.com. It does not guarantee
that it tracks all retailers or that it will find the lowest published
price. If you find a lower published price yourself, you can request
the difference in price.
The following conditions also apply:
■ The lower-priced item must be the same as the one you
purchased (including the same manufacturer, model number
and color, if applicable).
■ The lower price must be published on an online retail site or
in a printed or online newspaper, magazine, store circular or
catalog. Including special promotions such as Black Friday
or door buster sales.
■ The price comparison must be based only on sale price, not
including taxes, shipping and handling, delivery costs, warranties
or any other charges.
> WHAT PURCHASES ARE ELIGIBLE

Purchases made on your Citi card.
>WHAT PURCHASES ARE NOT ELIGIBLE

The following items are not eligible for Citi Price Rewind:
vehicles and their original equipment. Tires are eligible.
■ Products that can spoil or be consumed, such as food,
fuel, or medications.
■ Jewelry including loose gems, precious stones, metals
and pearls. Watches are eligible.
■ Tickets of any kind (e.g., for airlines, sporting events,
concerts or lottery).
■ Collectable items; including but not limited to, antiques,
coins, art, sports memorabilia or stamps.
■ Items purchased for resale use.
26
■ Plants or animals, including stuffed or mounted animals or fish.
■ Advice or services for a purchased item, such as product
installation, labor, maintenance or repair.
The following specific circumstances are not eligible for
Citi Price Rewind:
■ The lower-priced item requires a service contract, such as cell
phones with a service contract.
■ The lower-priced item is offered at no cost, or the lower price
includes a bonus, free offer, special financing or a rebate.
■ The lower priced item is a going-out-of-business sale item or
from an internet auction site.
■ The item is used, customized, altered, refurbished or secondhand.
> HOW TO INITIATE A CITI PRICE

REWIND BENEFIT REQUEST
Go to www.citipricerewind.com/how-it-works or call 1-866-506-5222
for instructions on how to submit a Citi Price Rewind benefit request.
You have up to 180 days from the date of purchase to initiate a
Citi Price Rewind benefit request.
The Citi Price Rewind benefit is provided by Citibank, N.A.
Extended Warranty
Feel more confident about your purchase.
We’ll add 24 Months on your warranty.
To be eligible for coverage, you must pay for the item at least in part
with your Citi card and/or ThankYou® Points. We will only reimburse
you up to the actual amount charged on your Citi card and/or
ThankYou® Points.

12 MONTHS 24 MONTHS 36 MONTHS 48 MONTHS
EXAMPLE 1
Manufact. Citi Extended

Warranty Warranty
6 month Manufacturer Warranty

30 months of Total Protection
EXAMPLE 2
Manufacturer Citi Extended

Warranty Warranty
12 month Manufacturer Warranty

EXAMPLE 3
Manufacturer Warranty – Parts Citi Extended Warranty – Parts
Manufacturer
Citi Extended Warranty – Labor No Coverage
Warranty – Labor
Variable duration of manufacturer warranty, 24 months parts and

12 months labor
48 months parts and 36 months labor of Total Protection
EXAMPLE 4
Customer-
Manufacturer Citi Extended
Purchased Ext.
Warranty Warranty
Warranty
12 month Manufacturer Warranty with a 12 month customer-purchased

warranty
How Long We will extend the manufacturer’s warranty for

are you an additional 24 Months. If you purchase an
Covered? extended warranty, our coverage begins at the
expiration of that warranty. In the event of a
covered failure we will repair or replace the
item or reimburse up to the amount charged
on your Citi card and/or ThankYou® Points
(excluding shipping and handling) or $10,000,
whichever is less. In no event will total coverage
exceed 84 Months from the purchase date.
28
Maximum Coverage is limited to the lesser of
Coverage the following:
per item ■ The cost to repair or replace the item.
■ The purchase price of the item.
■ $10,000 per item.
We will decide if a covered failure will be repaired or replaced, or

whether you will be reimbursed up to the amount paid with your
Citi card and/or ThankYou® Points. Items will be replaced with
those of like kind and quality. However, we cannot guarantee to
match exact color, material, brand, size, or model.
Coverage only applies to the item that fails, not to any other
property that’s damaged by it.
>WHAT’S COVERED

vehicles and their original equipment. Tires are not covered.
■ Services (such as product installation, repairs, maintenance or
diagnostics) unless covered under the manufacturer’s warranty.
■ Used, antique or pre-owned items.
■ Items purchased for resale, professional or commercial use.
■ Land or buildings; housing properties.
■ Plants and live animals.
■ Items that do not come with a manufacturer’s warranty.
Coverage doesn’t apply under these circumstances:
■ You fail to care for or service the item appropriately as
required by the manufacturer.
■ The item has a product defect, recall, or experiences normal
wear and tear where no failure has occurred.
■ The item is damaged because of an act of God, such as a
flood, hurricane, lightning, wind or earthquake.

1. To file a claim, call 1-866-506-5222 as soon as possible after

the incident. We will ask you a few questions, send you a claim
form and advise you what documents we may need to support
your claim. Or you can visit www.citi.com/prestige to download
a claim form for submission.

180 days of the date of incident. We will notify you of our
decision once we’ve processed your claim.
90 Day Return
Protection
If you try to return an item within 90 days of purchase and the
merchant won’t take it back, we may refund you the purchase price
up to $500 per item and $2,500 per year.
To be eligible for coverage, you must pay for the item in full with
your Citi card and/or ThankYou® Points. We will only reimburse
the lesser of the actual amount paid for with your Citi card
(including ThankYou® Points) or the maximum coverage per item.
The item must be purchased in the United States and its territories.
How Long are Within 90 days from the date

you Covered? of purchase
Maximum Coverage is limited to the lesser of

Coverage the following:
per item ■ $500
Maximum Coverage $2,500

per calendar year
per account
When returning the item, we must receive it in like-new and good

working condition with all the original parts.
> WHAT’S COVERED

Purchases made by you on your Citi card and/or ThankYou® Points.

Coverage doesn’t apply to the following items:
■ Cars, boats and any other motorized vehicles and their
attached parts.
30
■ Computer software or any type of video, digital, or audio
discs or tapes, including video games.
■ Collectable items; including but not limited to, antiques,

coins, art, sports memorabilia, or stamps.
■ Cash (including rare or precious coins), checks, promissory

notes or any other financial document that represents money.
■ Tickets of any kind (e.g., for airlines, sporting events or concerts).
■ Products that can spoil or be consumed, such as

food, medication.
■ Animals and living plants.
Coverage doesn’t apply under these specific circumstances:

■ The item is customized, altered, rebuilt or secondhand.
■ The item has product defects, is not in working order
or is damaged.
Coverage doesn’t apply to the following related charges:
■ Shipping, handling or taxes.
■ Warranties or memberships.
■ Services, such as product installation or repairs.
Please keep the item with all its original parts because
we may ask you to send it to us if we approve your claim.

when you attempt to return the item. We will ask you a
few questions, send you a claim form and advise you what
documents we may need to support your claim. Or you
can visit www.citi.com/prestige to download a claim form
for submission.

60 days of the date you initiated the claim. We will notify you
of our decision once we’ve processed your claim.
Missed Event Ticket

Protection
If the unexpected keeps you from using tickets (such as tickets
for a sporting event, concert, or lecture) for an event, we may
reimburse you the price of the ticket up to $500 per ticket,
including service fees that are listed on the ticket or receipt.
You’re covered for up to $5,000 in a calendar year per account.

To be eligible for coverage, you must pay for the tickets at least
in part with your Citi card and/or ThankYou® Points. We will
only reimburse the lesser of the actual amount paid for with
your Citi card (including ThankYou® Points) or the maximum
coverage per ticket.
How Long are Date of purchase to the event date.

you Covered?
What is the Coverage is limited to the lesser of

maximum the following:
coverage ■ $500
per ticket?
What is the $5,000

maximum coverage
per calendar year
per account?
Ticketholder means you or anyone you give the ticket to as a gift.
>WHAT’S COVERED
Covered reasons
To take advantage of this benefit, the ticketholder must miss the
event for one of the following covered reasons:
■ The venue or producer cancels the event (or delays the event
more than 12 hours) and does not reimburse or replace the ticket
or provide a rain check.
■ The ticketholder can’t find the ticket, or it’s stolen or destroyed.
■ The ticketholder has an accident on the way to the event that
causes the event to be missed.
■ The ticketholder or anyone living with them has an injury or
illness that requires medical care.
■ The ticketholder or their family member dies.
■ The ticketholder is called to jury duty or receive a subpoena
from the court, neither of which can be postponed.
■ The ticketholder is called to emergency duty as a member of the
National Guard, Active Reserve or the United States Armed Forces.
■ Severe weather or natural disaster prevents the ticketholder
from attending the event.
■ A catastrophe causes a government authority to cut off
access to the immediate area near the event site, preventing
the ticketholder from getting to it.
We’ll also cover taxes and nonrefundable ticket fees (including

convenience and shipping fees).
32
If the missed event was part of a multiday ticket or season ticket,
coverage will apply to the costs in proportion to the number of days
or percentage of a season that the ticketholder missed.
The coverage provided by this benefit is secondary. This means if you have
another insurance policy that will reimburse you, this benefit will cover only
the amount that the other insurer or the event producer or venue does not.

The following specific conditions are excluded from coverage:
■ Events not attended because of incidents within one’s control,
where a reasonable and prudent person, as determined by us,
would use the tickets.
■ Event not attended because of an illness or injury known
about before purchasing the ticket.
■ Transportation tickets.
■ Ticket purchased for resale.


incident. We will ask you a few questions and advise you what
documents should be submitted to validate your claim. Or
you can visit www.citi.com/prestige to download a claim
form for submission.

180 days of incident or as soon as reasonably possible. We will
notify you of our decision once we’ve processed your claim.

ADDITIONAL TERMS
This Guide to Protection Benefits (“Guide”) is not, by itself, a policy
or contract of insurance or other contract. The information in this
section applies to all insurance and non-insurance benefits described
in this Guide.
Benefits are purchased and provided complimentary to you, but

non-insurance services may have associated costs, which will be
your responsibility.
Damage & Theft Purchase Protection, Extended Warranty, Missed

Event Ticket Protection, Baggage Delay Protection, Lost Baggage
Protection, Worldwide Travel Accident Insurance, Trip Cancellation
& Interruption Protection, Trip Delay Protection, and Worldwide Car
Rental Insurance coverage (“Description of Coverage” or “DOC”) is
provided under a Group Policy of insurance issued by Virginia Surety
Company, Inc. The DOCs in this Guide are intended as a summary of
benefits provided to you. The attached Key Terms, DOCs and all the
information about the insurance benefits listed in this Final Legal
Disclosure is governed by the conditions, limitations, and exclusions
of the Group Policy.
Privacy Notice: As the provider of the benefits described herein,

Virginia Surety Company, Inc. (“VSC”) collects personal information
about you from the following sources: Information the provider gathers
from you, from your request for benefits or other forms you furnish
to the provider, such as your name, address, telephone number, and
information about your transactions with the provider such as claims
made and benefits paid. The provider may disclose all information it
collects, as described above, to its affiliates, subsidiaries and partners,
as well as to non-affiliated third parties that perform administrative
or other services on our behalf solely in connection with the benefits
you have received. By providing this information to the provider, you
agree that the provider may use your information in accordance with
this Privacy Notice, such as to provide benefits entitled to you, and to
meet regulatory and contractual requirements relating to the benefits
provided to you. The provider uses commercially reasonable physical,
electronic, and procedural safeguards that comply with federal
regulations to maintain the confidentiality of your personal information.
The provider takes appropriate technical and organizational measures
to protect your personal information from accidental or unlawful
destruction, accidental loss, and unauthorized alteration, disclosure,
or access. The provider does not disclose any personal information
about former beneficiaries to anyone, except as required by law. The
provider restricts access to personal information about you to those
authorized individuals or third parties who reasonably need to know
that information in order to provide benefits to you.
34
Should you have any questions about the procedures or the information
contained within your file, please contact the provider by writing to:
Compliance Department
Virginia Surety Company, Inc.
175 West Jackson Blvd., Chicago, IL 60604
Effective date of benefits: Effective May 15, 2016 this Guide replaces
all prior disclosures, program descriptions, advertising, and brochures
by any party. We reserve the right to change the benefits and features
of these programs at any time.
Cancellation: These benefits can be cancelled at any time or non-

renewed for you. In the event benefits are cancelled or non-renewed,
you may be notified as required by law. Coverage will still apply for
any benefits you were eligible for prior to the date of such cancellation
or non-renewal, subject to the terms and conditions of coverage.
The provider of these benefits shall not be required to give notice
if substantially similar coverage has been obtained from another
provider without a lapse of coverage.
Benefits to you: These benefits apply to cards issued in the United

States by Citibank, N.A. to residents of the United States. The United
States is defined as the 50 United States, the District of Columbia,
American Samoa, Puerto Rico, Guam, the U.S. Virgin Islands and
Northern Mariana Islands. No person or entity other than you shall
have any legal or equitable right, remedy, or claim for benefits,
insurance proceeds and damages under or arising out of these
programs. These benefits do not apply if your card privileges have
been cancelled. However, benefits will still apply for any benefit you
were eligible for prior to the date that your account is suspended
or cancelled, subject to the terms and conditions of coverage.
Non-insurance benefits described in this Guide may be provided
by a third party provider.
Transfer of rights or benefits: No rights or benefits provided under

these benefits may be assigned without the prior written consent of
the claim administrator for these benefits.
Illegal Activity, Misrepresentation and Fraud: Benefits shall be void

if you or any covered person has been involved in any illegal activity
or concealed or misrepresented any material facts concerning these
benefits. If providing benefits under this Guide would violate United
States economic or trade sanctions, the coverage will be void.
Due Diligence: All parties are expected to exercise due diligence to

avoid or diminish any theft, loss or damage to the property insured
under these programs. “Due diligence” means the performance of
all vigilant activity, attentiveness, and care that would be taken by a
reasonable and prudent person in the same or similar circumstances
in order to guard and protect the item.

Subrogation: If payment is made under these benefits, the provider
is entitled to recover such amounts from other parties or persons.
Any party who receives payment under these benefits must transfer
to the provider his or her rights to recovery against any other party
or person and must do everything necessary to secure these rights
and must do nothing that would jeopardize them, or these rights will
be recovered by you.
Salvage: If an item is not repairable, the administrator may request

you or gift recipient send the item to the administrator for salvage at
your or gift recipient’s expense. Failure to remit the requested item for
salvage to the claim administrator may result in denial of the claim.
Secondary Insurance: Coverage is secondary to any other

applicable insurance or indemnity available to you unless indicated
within the Guide. Coverage is limited to only those amounts not
covered by any other insurance or indemnity. It is subject to the
conditions, limitations, and exclusions described in this Guide. In
no event will insurance benefits apply as contributing insurance.
The non-contribution insurance clause will take precedence over
the non-contribution clause found in any other insurance policies.
Conformity of Statute: If benefit coverage does not conform to

applicable provisions of State or Federal law, the benefit coverage
is hereby amended.
Benefits listed in this Guide are subject to the conditions, limitations,

and exclusions described in each benefit section. Receipt and/or
possession of this Guide does not guarantee coverage or coverage
availability.
36
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38

QUESTIONS ABOUT THESE BENEFITS?
Call 1-866-506-5222 (TTY: Use Relay Service),

or call collect internationally at 1-312-356-7830 or
visit www.citi.com/prestige
©2016 Citibank, N.A.

Citi, Citibank, Citi Prestige, Citi with Arc Design and ThankYou are registered
service marks of Citigroup Inc.
CRE130 MV6704 0816

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TRAVEL SHOPPING

www.citi.com/prestige I 1-866-506-5222 (TTY: Use

The benefits, as described in this Guide, apply to purchases made with

■ Authorized user means any person you allow to use your

In order for purchases made with ThankYou® Points to be eligible

Worldwide Car Rental Insurance 4

Trip Cancellation & Interruption Protection 8

Trip Delay Protection 12

Baggage Delay Protection 14

Lost Baggage Protection 16

Roadside Assistance Dispatch Service 18

Travel & Emergency Assistance 19

Worldwide Travel Accident Insurance 21

Damage & Theft Purchase Protection 24

Citi® Price Rewind 25

90 Day Return Protection 30

Missed Event Ticket Protection 31

Questions about these benefits? Call 1-866-506-5222 24/7/365 or

How Long are The length of the rental car agreement

Where are Coverage is available worldwide.

> WHO’S COVERED

In the United States, the coverage provided by this

To take advantage of this benefit, the following conditions apply:

> WHAT’S NOT COVERED

>HOW TO FILE A CLAIM

Please take pictures of the damage, if possible.

1. To file a claim, call 1-866-506-5222 as soon as possible

2. Return the claim form and all requested documents within

Questions about these benefits? Call 1-866-506-5222 24/7/365 or

How long am From Trip Departure Date through

What is the $100,000

Trip means any pre-paid travel, tour or vacation when all or at

Trip Completion Date means the date on which the Covered

Dependents means your children who can be claimed on your

Domestic Partner means a committed relationship between two

Medical Evacuation covers expenses that a doctor

To take advantage of this benefit, the following conditions must apply:

> WHAT’S NOT COVERED

> HOW TO REQUEST HELP

We may require a doctor of our choice to examine the Covered

Questions about these benefits? Call 1-866-506-5222 24/7/365 or

How Long are Trip Cancellation coverage begins on the

Maximum Coverage is limited to the lesser

Trip means any pre-paid travel, tour or vacation when all or at

You are still eligible for coverage on Trips for your

> WHAT’S COVERED

Trip Cancellation & Interruption Protection applies for

Covered Reasons: Illness or Personal Matters:

Questions about these benefits? Call 1-866-506-5222 24/7/365 or

>WHAT’S NOT COVERED

> HOW TO FILE A CLAIM

2. Return the claim form and all requested documents within

Questions about these benefits? Call 1-866-506-5222 24/7/365 or

Trip Delay Protection

How Long are From Trip Departure Date to Trip

Maximum Coverage $500

Common Carrier means a vehicle that’s licensed to transport any

Traveling Companion means any individual(s) for whom you have

You are still eligible for coverage on Trips for your