How does the Citi Costco Business card travel insurance work?

The Citi Costco Business card travel insurance benefits include:

Trip Cancellation Insurance. When you have to cancel a trip or stop it early because of situations out of your control (e.g. injury, sickness, severe weather), you may be compensated.

Travel accident insurance. This covers you for death or dismemberment.

Car rental insurance. You are protected against having to pay for damage resulting from theft or collision when you rent certain types of cars. Don’t buy insurance through the rental agency - just pay with your Costco card.

Lost baggage protection, on up to $3,000 worth of missing luggage per traveler, per trip.

Roadside assistance dispatch service. You have to pay for it when you use it, but if your car breaks down in the U.S., Citi will send help your way.

Also, to use any of these benefits, you should pay for the service or trip with your Costco card.