Cameron
500+ Posts
Thought I'd share what my American Airlines CitiCard Mastercard Gold covers for trips. Before buying trip insurance, see if your credit card offers this coverage. This is the "big stuff" but there's also coverage for death/injury/illness up to $500k, rental car, baggage, etc. Hope this is helpful.
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.
To be eligible for coverage under this benefit, your Citi card and/or AAdvantage® miles 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 AAdvantage® miles) or the maximum coverage per Trip.How Long are you Covered?
Trip Cancellation coverage begins on the 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
Coverage is limited to the lesser 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 AAdvantage® miles).
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.
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.
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.
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.
To be eligible for coverage under this benefit, your Citi card and/or AAdvantage® miles 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 AAdvantage® miles) or the maximum coverage per Trip.How Long are you Covered?
Trip Cancellation coverage begins on the 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
Coverage is limited to the lesser 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 AAdvantage® miles).
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.
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.
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.