Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Links in this post may provide us with a commission.
Citi has Devalued the Prestige’s Trip Delay Insurance
According to Doctor of Credit there have been an increase of denied claims coming from the Citi Prestige card. These denials have a common theme, the delay came because of a missed connection. This is a big change since missed connections are one of the biggest causes for long delays.
Details on Citi Prestige’s Travel Trip Delay Insurance
Citi Prestige has one of the best, if not the best, trip delay insurance out there. It comes with the following terms:
- Delay must be at least 3 hours
- Covers you and your travel companions
- To be eligible for coverage under this benefit, your Citi card and/or ThankYou Points must be used to purchase at least a portion of your common carrier fare. Examples include:
- Cruise ships
- Covers incurred expenses because of the delay, up to $500
- Ground Transportation
- Personal or business necessities, such as toiletries, or items that the Covered Traveler(s) needs when delayed
Details on the Change
In the past you were able to file a claim if you missed a connection and were stranded for more than 3 hours because of it. This happened on our last trip to Orlando. We missed our connection by 15 minutes and the next available flight was 7 hours later :(.
In the past I would have been covered by Citi Prestige’s travel delay insurance but they have recently changed their ways. Will at DoC thinks the changes may be because people had been tempted to book flights with risky connections in order to take advantage of the perk. I tend to agree with that.
It would have been nice to see them put some sort of clause in there saying no connections less than 90 minutes etc. This would have been a middle of the road compromise that would be understandable. If your first flight is delayed by two hours there is a good chance that you will be stranded at the next airport longer than 3 hours and you won’t get compensation for that either.
This change is understandable, especially if people were abusing it. I would have liked to see them make a compromise of some sort though, limiting the amount of allowed connection time to 90 minutes etc. in order to be eligible for the perk. I guess it is what it is now. It is still the best card on the market for trip delay insurance but it isn’t as good as it used to be.
Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.