Question
Does anyone know how the Trip Interruptiion/Trip Cancellation insurance provided as a benfit on some of the Citibank credit cards works? Has anyone ever used it? Is this similar to the Trip Delay insurance Chase used to have as part of the United Mileage Plus credit card? The specific card I have is the American Express AAdvantage credit card issued by Citibank.
The fine print on the card application states:
Trip Cancellation/Trip Interruption Insurance, Worldwide Travel Accident Insurance and Worldwide Car Rental Loss & Damage Insurance are underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. Certain conditions, restrictions and exclusions apply. Car rental loss and damage insurance provides coverage in excess of other insurance. Details of coverage will be provided upon cardmembership.
Answer
What you quoted above is different insurance. You already get that with Citi.
http://www.citibank.com/us/cards/cardserv/worldcard/gold-svbenits.jsp
Trip Cancellation/ Trip Interruption:
In the event you are prevented from taking or continuing a trip you billed to your Citi® Gold / AAdvantage® World MasterCard® account, you are eligible to receive up to $1,500 in Trip Cancellation/Trip Interruption coverage.
It's $1500 per person. I have a scan of the complete terms. Send me a PM with your email address, and I'll send it to you.
Edited to add a thread link:
http://www.flyertalk.com/forum/showthread.php?t=518699
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Are there other mileage-earning cards that still offer the Trip Delay benefit?
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I wanted to add that the insurer for this Citibank coverage told me it does not cover trip interruption/cancellation for a cruise expense.
That is contrary to what jamflyer said here:
http://www.flyertalk.com/forum/showthread.php?t=508798&highlight=insurance
Do any cards cover cruises?
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I think the rep may be misinformed about cruises. Upon reading the terms, it says Trip Interruption/Cancellation is provided "while riding as a passenger in, entering or existing any licensed Common Carrier..." And Common Carrier is defined, "Common Carrier means any licensed land, water or air conveyance operated by those whose occupation or business is the transportation of persons or things without discrimination and for hire."
A major cruise line should therefore be considered a Common Carrier, and a cruise should be covered by this Citi Trip Interruption/Cancellation benefit. Does anyone disagree?
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I think the rep may be misinformed about cruises. Upon reading the terms, it says Trip Interruption/Cancellation is provided "while riding as a passenger in, entering or existing any licensed Common Carrier..." And Common Carrier is defined, "Common Carrier means any licensed land, water or air conveyance operated by those whose occupation or business is the transportation of persons or things without discrimination and for hire."
A major cruise line should therefore be considered a Common Carrier, and a cruise should be covered by this Citi Trip Interruption/Cancellation benefit. Does anyone disagree?
A cruise is NOT in the business for the transportation of persons.
A ferry ride, yes. A cruise, I seriously doubt it.
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A cruise is NOT in the business for the transportation of persons.
A ferry ride, yes. A cruise, I seriously doubt it.
Well I'm dubious because jamflyer had a rep say cruises are covered. See the link above. Strictly speaking, a cruise is transporting persons. It's first class compared to a ferry but so is a first class plane ticket with stopovers.
I guess I will ask the underwriter to respond to this.
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Well I'm dubious because jamflyer had a rep say cruises are covered. See the link above. Strictly speaking, a cruise is transporting persons. It's first class compared to a ferry but so is a first class plane ticket with stopovers.
I guess I will ask the underwriter to respond to this.
Thats what I was told by the rep, who could have been wrong, either way did not pursue beyond what I was told.
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Well I'm dubious because jamflyer had a rep say cruises are covered. See the link above. Strictly speaking, a cruise is transporting persons. It's first class compared to a ferry but so is a first class plane ticket with stopovers.
I guess I will ask the underwriter to respond to this.
I would love to see someone test it and see if it holds "water" or not.
For any insurance coverage benefit covered by credit card, I would ask for docs in print, rather than just by what is being told by the CSR. For example, for the rental car insurance I asked MC Assist to send me something to show the details of coverage.
Who is the underwriter to provide the trip interruption insurance for Citi cards? It would be advisable to check the coverage with the underwriter directly to clarify this before you rely upon it.
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I would love to see someone test it and see if it holds "water" or not.I wouldn't.
[I would ask for docs in print, rather than just by what is being told by the CSRI have the printed docs and quoted from them.
Who is the underwriter to provide the trip interruption insurance for Citi cards?Chubb Group of Insurance Companies
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I have the printed docs and quoted from them.
Chubb Group of Insurance Companies
Did Chubb confirm to you a cruise is covered by this trip interruption insurance provided by the Citi card? Or it is your own interpretation of the docs rec'd from them? Have you had a letter from Chubb to answer the specific question we discuss here?
Usually if you have a question regarding the coverage you can ask the insurer to clarify it in writing, not just the standard printed docs, but a letter to clearly explain what is and what is not covered. It takes time to get such letter but the underwriter would send it, usually from a dept designated to handle policy holder services.
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The fine print on the card application states:
Quote:
Trip Cancellation/Trip Interruption Insurance,....... Certain conditions, restrictions and exclusions apply.
Well I would interpet this to mean that the cancellation/interruption insurance cover you fully unless your trip happens to be canceled or interpupted in which case in are SOL.
There is no smiley as I am mostly serious.
In so far as most non refundable tixs and trips are changable WITH a doctor's note , I am hard pressed to see the value in this.
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Did Chubb confirm to you a cruise is covered by this trip interruption insurance provided by the Citi card? Or it is your own interpretation of the docs rec'd from them? Have you had a letter from Chubb to answer the specific question we discuss here?
Well in case you missed it, I'm the one who asked the question about cruises. I also quoted the documents I received from them but do not have a letter from them yet. I only just recently wrote, "I guess I will ask the underwriter to respond to this."
And to address writetorich... Despite what you wrote, that is not "the fine print." I have several pages of fine print describing exclusions. For example, you're not covered in any way if you're travelling to have some medical procedure done, or if you're participating in a sporting event, or using alcohol. By the way-- it is several pages of truly "fine print." I need a magnifying glass to read it.
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Well in case you missed it, I'm the one who asked the question about cruises. I also quoted the documents I received from them but do not have a letter from them yet. I only just recently wrote, "I guess I will ask the underwriter to respond to this."
What I am saying is, it is advisable to have a letter from Chubb clearly address the question here - where a cruise is considered a transportation form for hire, and thus an interruption of a cruise is covered by this insurance, before one would rely upon it as being protected. I asked you because I wasn't sure if you had it or not - because from what I read, you got a "No" from the CSR, but upon reading the docs they sent you, your "own" interpretation led you believe the CSR mis-interpret the docs. That is why I asked you had you gotten a letter to clearly address this issue? I dont believe CSRs need to "interpret", or read thru the docs like we have to. I believe CSRs have a list of some sort to clearly tell them what are covered, what are not. No company would leave the "interpretation" of a coverage to the CSR - be it a trip interruption, or a medical condition.
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I'm sorry if I did not explain this properly, but the meaning of my post on Oct. 31st is that I fully intend to get a written response to my question.