Guide to Credit Card Trip Cancellation or Interruption Insurance

Generally, trip cancellation insurance reimburses you or your Immediate Family Members for up to $5,000 to $10,000 dollars for each “Covered Trip” if a “Covered Loss” prevents you or your Immediate Family Members from traveling on or before the departure date and results in cancellation of the travel arrangements. 

 

Addendum

Who is covered?

You, the Primary Insured Person, and your Immediate Family  Members are automatically covered. Immediate Family Member means your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews.

What is Trip Cancellation insurance?

Trip Cancellation insurance reimburses you or your Immediate Family Members for up to ten thousand ($10,000.00) dollars for each Covered Trip if a Covered Loss prevents you or your Immediate Family Members from traveling on or before the departure date and results in cancellation of the travel arrangements.

If any or all of the Covered Trip was paid for using redeemable Rewards, the Company will reimburse the Insured Person for Rewards used. The Company’s reimbursement shall equal the monetary value  of the redemption through the Common Carrier, Tour Operator, Travel Agency, or Travel Supplier up to the Benefit Amount. If the monetary value of the redemption does not appear on the Insured Person’s itinerary or redemption confirmation issued by the Common Carrier, Rewards program manager, Tour Operator, Travel Agency, or Travel Supplier the Company will reimburse the Insured Person ($.01) per point redeemed up to the Insured Person’s Benefit Amount.

Covered Trip means any pre-paid tour, trip or vacation when some portion of the cost for such travel arrangements less any redeemable frequent flyer miles, points, coupons or certificates, or other types of redeemable Rewards has been charged to your Account:

  • while the insurance is in effect
  • to a destination of greater than one (1) mile from your primary residence
  • and is for a time period that doesn’t exceed sixty (60) days in duration

Rewards means points, miles, cash Rewards, or any other type of redeemable Rewards, provided that all Rewards have been accumulated through use of a Rewards program sponsored by Chase Bank USA, N.A. and/or its affialiates.

Covered Loss means one of the following events that occur when you or an Immediate Family Member is insured under the policy and the event causes cancellation of the travel arrangements:

  • Accidental Bodily Injury, Loss of Life, or Sickness experienced by you, a Traveling Companion, or an Immediate Family Member of you or a Traveling Companion
  • Severe weather, which prevents a reasonable and prudent person from beginning or continuing on a Covered Trip
  • Change in military orders for you, your Spouse, or your Domestic Partner
  • A terrorist action or hijacking
  • A call to jury duty or receiving a subpoena from the courts, neither of which can be postponed or waived
  • Finding your or your Traveling Companion’s dwelling to be uninhabitable
  • Quarantine imposed by a Physician for health reasons
  • Financial insolvency of the Travel Agency, Tour Operator, or Travel Supplier whose services you booked

If a trip cancellation occurs, the Company will reimburse you or an Immediate Family Member for the non-refundable amounts paid up to Trip Cancellation & Trip Interruption Maximum limit of Insurance per Occurrence of ten thousand ($10,000.00) dollars for each claim on a Covered Trip. Reimbursement is subject to the following:

  • Cancellation provisions in effect at the time the Travel Supplier is notified of a
  • If a Physician has advised that making the Covered Trip is medically inadvisable, you must immediately notify the appropriate Travel Supplier that you are cancelling your travel If you don’t notify the supplier, the Company’s reimbursement will not exceed the cancellation penalties imposed during the period by the supplier and in effect forty-eight (48) hours immediately following your receipt of advice from your Physician that travel is not advisable.

 

What is not covered by Trip Cancellation insurance?

It does not apply to a Covered Loss caused directly or indirectly from:

  • travel arrangements canceled or changed by a Common Carrier,

Tour Operator, or any Travel Agency unless the cancellation is the result of severe weather or an organized strike affecting public transportation

  • change in plans, financial circumstances, and any business or contractual obligations applying to you, your Traveling Companion, your Immediate Family Member, an Immediate Family Member of your Traveling Companion
  • a Pre-existing Condition
  • Additionally, this insurance does not apply to any Accident, Accidental Bodily Injury or loss caused by or resulting from, directly or indirectly: the commission or attempted commission of any illegal act including but not limited to any felony
  • any occurrence during incarceration
  • being engaged in or participating in a motorized vehicular race or speed contest
  • participating in any professional sporting activity for which a salary or prize money is received
  • traveling or flying on any aircraft engaged in flight on a rocket propelled or rocket launched aircraft
  • suicide, attempted suicide or intentionally self-inflicted injury
  • when: a) the United States of America has imposed any trade or economic sanctions prohibiting insurance of any Accident, Accidental Bodily Injury or loss; or b) there is any other legal prohibition against providing insurance for any Accident, Accidental Bodily Injury or loss
  • a declared or undeclared War

The Trip Cancellation benefit is excess over any travel insurance purchased by the Insured Person for the same Covered Trip or other indemnity by the airline, cruise line, railroad, station authority, occupancy provider available to the Insured Person

 

Benefit Information for Trip Interruption Who is covered?

You, the Primary Insured Person, and your Immediate Family

Members are automatically covered. Immediate Family Member, means your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews.

 

What is the Trip Interruption insurance?

Trip Interruption insurance reimburses you or your Immediate Family Members for up to ten thousand ($10,000.00) dollars for each Covered Trip if a Covered Loss causes interruption of the Covered Trip on the way to the point of departure or after the departure of the Covered Trip.

Covered Trip means any pre-paid tour, trip or vacation when some portion of the cost for such travel arrangements less any redeemable frequent flyer miles, points, coupons or certificates, or other types of redeemable Rewards has been charged to your Account:

  • while the insurance is in effect
  • to a destination of greater than one (1) mile from your primary residence
  • and is for a time period that doesn’t exceed sixty (60) days in duration

A Covered Loss is one of the following events that occur when you  or an Immediate Family Member is covered under the policy while it is in effect:

  • Accidental Bodily Injury, Loss of Life, or Sickness experienced by you, a Traveling Companion, or an Immediate Family Member of you or a Traveling Companion
  • Severe weather, which prevents a reasonable and prudent person from beginning or continuing on a Covered Trip
  • Change in military orders for you, your Spouse, or your Domestic Partner
  • A terrorist action or hijacking
  • A call to jury duty or receiving a subpoena from the courts, neither of which can be postponed or waived
  • Finding your or your Traveling Companion’s dwelling to be uninhabitable
  • Quarantine imposed by a Physician for health reasons
  • Financial insolvency of the Travel Agency, Tour Operator, or Travel Supplier whose services you booked

What types of Trip Interruption expenses are eligible for reimbursement?

If a Trip Interruption occurs, the Company will reimburse you for  up to the maximum Benefit Amount of ten thousand ($10,000.00) dollars  for:

  • the forfeited, non-refundable pre-paid land, air and/or sea transportation arrangements that were missed

If you or an Immediate Family Member are forced to temporarily postpone a Covered Trip due to a Covered Loss and a new departure date is set, the Company will reimburse:

  • for the unused Non-Refundable land, air and/or sea arrangements
  • Change Fees

However, in no event will the Company pay more than the Trip Interruption Benefit Amount for each interruption claim. Additionally, in no event will the Company pay more than the maximum Benefit Amount per twelve (12) month period.

 

What is not covered by Trip Interruption insurance? This benefit does not apply to a Covered Loss caused directly or indirectly from the Insured Person or Traveling Companion:

  • traveling against the advice of a Physician
  • traveling while on a waiting list for specified medical treatment
  • traveling for the purpose of obtaining medical treatment; or traveling in the third trimester (seventh month or after) of pregnancy
  • traveling with a Pre-Existing Condition
  • commission or attempted commission of any illegal act including but not limited to any felony
  • being engaged in or participating in a motorized vehicular race or speed contest
  • participating in any professional sporting activity for which the Insured Person received a salary or prize money
  • traveling or flying on any aircraft engaged in flight on a rocket propelled or rocket launched aircraft
  • suicide, attempted suicide or intentionally self-inflicted injury

Additionally, this insurance does not apply to any Accident, Accidental Bodily Injury or loss caused by or resulting from, directly or indirectly:

1) Common Carrier caused delays, unless they are as a result of an organized strike that affects public transportation; 2) travel arrangements canceled or changed by a Common Carrier, Tour Operator, or any

travel agent unless the cancellation is the result of severe weather or an organized strike affecting public transportation; 3) change in plans, fi            circumstances and any business or contractual obligations of the Insured Person, Traveling Companion, Immediate Family Member of the Insured Person or Immediate Family Member of the Traveling

Companion; 4) any occurrence while the Insured Person is incarcerated;

  • when: a) the United States of America has imposed any trade or economic sanctions prohibiting insurance of any Accident, Accidental Bodily Injury or loss; or b) there is any other legal prohibition against providing insurance for any Accident, Accidental Bodily Injury or loss; or
  • a declared or undeclared War

The Trip Interruption benefit is excess over any travel insurance purchased by the Insured Person for the same Covered Trip or other indemnity by the airline, cruise line, railroad, station authority, occupancy provider available to the Insured Person

Claim Information

Answers to specific questions can be obtained by writing the Plan Administrator. To make a claim please contact the Plan Administrator.

Plan Administrator Card Benefit Services

P.O. Box 72034 Richmond, VA 23255

What types of documentation may be requested when a claim is submitted?

Some of the documentation the Company may request includes, but is not limited to:

  • completed claim form
  • copy of the travel itinerary
  • confirmation of the reason for the Trip Cancellation or

Trip Interruption—i.e. medical documents, death certificate, or other documentation supporting a Covered Loss

  • copy of the Credit Card statement that shows the charge for prepaid travel arrangements for Trip Cancellation
  • proof of expenses incurred due to a Trip Interruption
  • a copy of the cancellation or refund polices of the Common Carrier, Tour Operator, or Travel Supplier

How long do I have to file a claim after the event occurs?

You must provide a written claim notice within twenty (20) days after the occurrence or commencement of any Loss covered by this policy or as soon as reasonably possible. The notice must include

enough information to identify you, and Chase Bank USA, N.A. and/or its affiliates. Please note that failure to provide a claim notice within twenty (20) days will not invalidate or reduce any otherwise valid claim if notice is given as soon as is reasonably possible

What happens after I send a claim notice to you?

  • Within fifteen (15) days of the Company’s receipt of your claim notice, the Company will send you or your designee forms to complete that provides the Company with Proof of
  • If you or your designee do not receive the forms, please send the Company a written description of the This written description should include information detailing the occurrence, type, and extent of the Loss for which the claim is made

How long do I have to provide you with Proof of Loss?

You need to send the Company complete Proof of Loss within

ninety (90) days from the date of loss or as soon as reasonably possible. Please note that failure to provide Proof of Loss within these time frames will not invalidate or reduce any otherwise valid claim if notice is given as soon as is reasonably possible, and in no event  later than one (1) year after the ninety (90) day deadline to submit

Proof of Loss, except in cases where the claimant lacks legal capacity.

How soon after I provide Proof of Loss will I receive payment for my claim?

You will receive payment for your claim for all losses covered under the plan within sixty (60) days after the Company receives the complete Proof of Loss if you, Chase Bank USA, N.A. and/or its affiliates and beneficiary, where applicable, have complied with all the terms of the policy.

Will the benefits be payable to me?

Yes, Trip Cancellation and Trip Interruption benefits are payable to you.

General questions that apply to Trip Cancellation and Trip Interruption insurance

Do I need to notify anyone that I’ve booked travel arrangements to obtain this insurance?

No, it’s not necessary for you to notify Chase Bank USA, N.A. and/or its affiliates, the administrator, or the Company when travel arrangements are purchased.

What types of prepaid travel arrangements are eligible for reimbursement?

Some of the prepaid travel arrangements that are eligible for reimbursement include, but are not limited to, airline tickets, train tickets, bus tickets, prepaid tours, hotels, and rental cars. You will need to relinquish to the Company any unused vouchers, tickets, coupons  or travel privileges for which you have been reimbursed.

If I charge multiple travel arrangements for myself and Immediate Family Members, do the benefits apply to each person?

Yes, each traveler is eligible to receive the primary benefit up to the Trip Cancellation & Trip Interruption Maximum Limit of Insurance per Occurrence

What is the Trip Cancellation & Trip Interruption Maximum Limit of Insurance per Occurrence?

If more than one person insured under the same Account suffers a Covered Loss for the same Covered Trip, the Company will not pay more than:

 

BenefitTrip Cancellation

& Trip Interruption Maximum Limit

of Insurance Per Occurrence

Maximum Benefit Amount per Twelve

(12) Month Period

Trip CancellationTwenty Thousand ($20,000.00) DollarsForty Thousand ($40,000.00) Dollars
Trip InterruptionTwenty Thousand ($20,000.00) DollarsForty Thousand ($40,000.00) Dollars

If a Covered Loss results in Benefit Amounts becoming payable, which when totaled, exceed the applicable Trip Cancellation & Trip Interruption Maximum Limit of Insurance per Occurrence, then the  Trip Cancellation & Trip Interruption Maximum Limit of Insurance per Occurrence will be divided proportionally among the Insured Persons, based on each applicable Benefit Amount.

Are my Immediate Family Members covered if I am not traveling with them?

Yes. As long as you have charged the travel arrangements to your card, the Company will pay the corresponding benefit regardless of whether you are traveling with them, as subject to the terms and conditions of this description of coverage.

 

 

 

We may cover the cost for nonrefundable Trip expenses if certain unforeseen events get in the way of your Trip.

Some examples include: sickness, injury, death of the Covered Traveler(s) and weather issues.

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 ThankYou®  Points 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 ThankYou®  Points) or the maximum coverage per Trip.

How Long are you Covered

Trip Cancellation coverage begins on the date the Trip was purchased and ends onthe 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 ThankYou® Points

Trip means any pre-paid travel, tour or vacation when all or at least a portion of the cost of such arrangements was paid using your Citi card and/or ThankYou®  Points for all Covered Travelers.

Trip Departure Date means the date on which the Covered Traveler(s) are originally scheduled to leave on the Trip.

Trip Completion Date means the date on which the Covered Traveler(s) are scheduled to return to their point of origin or to a different final destination.

WHO’S COVERED

Covered Travelers which means, you, your Family Members, and Traveling Companion(s) traveling on the Trip.

Family Members means your children, spouse, fiancée, Domestic Partner and their children, including adopted children or

step-children; legal guardians or wards; siblings or siblings-in-law; son-in-law or daughter-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews.

Traveling Companion means any individual(s) for whom you have paid to travel on your or your Family Member’s Trip.

Domestic Partner means a committed relationship between two unmarried adults, in which the partners, (1) are each other’s sole Domestic Partner, (2) maintain a common residence, (3) share financial obligations if both are employed, (4) are not married or joined in a civil union to anyone else or are not the Domestic Partner of anyone else, and (5) are not blood related.

You are still eligible for coverage on Trips for your Family Member(s) and their Traveling Companion(s) even if you are not traveling.

What’s Covered

Trip Cancellation & Interruption Protection applies for reasons listed below. It doesn’t provide coverage if the Covered Traveler simply choose to change plans, have  a work confl    , not feeling well but still able to travel, preferred lodging isn’t available or the Covered Traveler can reach their destination but decide not to travel.

Any event/incident that occurred prior to the Trip being booked are not covered. Please see “What’s Not Covered” for additional restrictions.

Covered Reasons: Illness or Personal Matters:

  • The Covered Traveler(s) becomes sick or injured, and is advised by a licensed medical practitioner not to trav
  • 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 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) 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 burglarize
  • 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 de
  • A terrorist incident certified by a government agency, occurs in the Covered Traveler’s Trip de

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 reas
  • 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

WHAT’S NOT COVERED

Coverage does not apply to any claim under the following conditions:

  • The Covered Traveler(s) decides to cancel, interrupt or extend their Trip for any reason not covered under “What’s Covered”.
  • Any event/incident (such as severe weather or terrorist incident) that occurred prior to the Trip being
  • Death, serious injury or sickness of a non-Family Member that is not traveling on the Trip.
  • The Covered Traveler(s) has been advised against traveling by a licensed medical practitioner prior to the Trip being
  • The Covered Traveler(s) did not get the required travel documentation, such as a passport or vis
  • The Covered Traveler(s) is unable to start or continue their Trip due to being involved in or under suspicion of any criminal act, illegal activities, being prevented from traveling by a government agency or disruptive/abusive behavior.\

HOW TO FILE A CLAIM

Please follow the steps below and pay close attention to the deadlines to make sure you remain eligible for coverage.

  1. To file a claim, call 1-866-918-4670 within 60 days of cancellation, interruption or reasonable extension of the Trip. We will ask you a few questions, send you a claim form and advise you what documents we may need as proof to support your Or you can visit www.cardbenefits.citi.com to download a claim form for submission.
  2. Return the claim form and all requested documents within 180 days of cancellation, interruption or reasonable extension of the Trip or as soon as reasonably possible. We will notify you of our decision once we’ve processed your claim.

If the Covered Traveler was issued a credit/voucher by the travel supplier (i.e. airlines, hotel, etc.) please retain all supporting documentation in case you decide to seek reimbursement at a later date for any credit/voucher that expires or is unused per the coverage provision. To start a claim for an expired or unused credit/voucher, please call 1-866-918-4670 within 60 days after the expiration date or anniversary date of issuance.