No, the Citi Premier card does not offer car rental insurance coverage anymore. Citi removed it in September 2019, along with all types of travel insurance and some purchase benefits. The issuer did the same for most of its other credit cards, too.
In general, credit card rental car insurance protects you against collision damage and theft when you rent a car using an eligible card. It’s a common credit card benefit. But some issuers, like Citi, have removed it from their credit cards.
Alternatives to Citi Premier rental car insurance:
Some of the best Citi Premier Card benefits are annual hotel savings and the ability to transfer points to airline loyalty programs. The Citi Premier Card also has 0% foreign transaction fees and offers an initial bonus of 80,000 points. Citi Premier doesn’t have any traditional benefits like travel insurance or protections for purchased items, though.… read full answer
Citi Premier Card Benefits List:
Annual hotel savings Single hotel stays might be eligible to receive rewards annually.
Citi Entertainment Access to presale tickets for special events like concerts, dining, sporting events and more.
Point transfer partners You can transfer your points to more than a dozen airline loyalty programs, as well as to the Sears Shop Your Way program.
Contactless purchases Citi Premier is part of a small percentage of credit cards supporting contactless payments.
0% foreign transaction fee Saves you money while traveling abroad or purchasing from foreign merchants online.
Initial bonus 80,000 points for spending $4,000 in the first 3 months.
In addition to all of the Citi Premier Card benefits, you’ll also get generous ongoing rewards on purchases. Citi Premier offers 3 points per $1 spent at restaurants, supermarkets and gas stations, 3 points per $1 on air travel and hotels, and 1 point per $1 on all other purchases.
The Citi Premier credit card does not have travel insurance anymore, after Citi removed all travel insurance coverage from the Citi Premier and most other Citi cards in 2019. Citi Premier used to offer insurance for travel accidents, trip cancellation or interruption, trip delays, baggage delays, lost bags, and rental cars. Unfortunately, all those benefits are no longer available.… read full answer
Even though Citi Premier lacks travel insurance, it’s still a good travel credit card. It offers 3 points / $1 spent on air travel and hotels and has a 0% foreign transaction fee.
Citi credit card rental car insurance covers you for up to $50,000 when you pay for the entire rental with your Citi credit card. You must also decline the rental agency’s insurance to be eligible for the benefit, which covers accident damage and theft. The eligible cardholder listed on the rental car agreement is covered worldwide for a maximum rental of 31 consecutive days.… read full answer
Just bear in mind that Citi’s rental insurance coverage is secondary. This means if you have a car insurance policy that covers theft and damage to rental cars, the Citi benefit will cover only the amount your primary policy does not.
Here is what Citi credit card rental car insurance covers:
Repair costs up to $50,000, or the cash value of the car, whichever is less.
Motor vehicle with at least four wheels designed to be driven on public roads.
Damage from an accident, natural disaster vandalism, or theft.
Reasonable towing expenses to the nearest collision repair facility.
What Citi credit card rental insurance does NOT cover:
Damage resulting from reckless driving or driving under the influence of drugs or alcohol.
Rental car used as a car for hire.
Personal injury, personal liability or damage to third-party personal property.
Damages to other cars or property.
Injury to any party.
To file a claim, call 1 (866) 918-4670 after your rental car is damaged or stolen. You will be advised as to what documents to provide to substantiate your claim. You can also visit citi.com/Costco to download a claim form. Return all requested documents within 180 days of the incident.
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