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I can’t think of a card that has changed my travel habits more than the Citi Prestige® Card. The biggest change is I’m more inclined to stay put in one hotel for at least four nights because of the excellent fourth night free perk. My old habits of bouncing around for stay credits became less important when I could save hundreds of dollars on rooms. And I’d estimate the fourth night free has saved me at least two thousand dollars since I opened the card.
Another change came back in January of last year when Ben detailed the excellent travel insurance coverage that comes with the Citi Prestige® Card. I started putting nearly all of my airline purchases on the card. And I did the same for family members whenever I helped them book a trip.
It was a win-win situation. I earned miles and they’d end up with free travel insurance.
Recently that practice paid off when my mom had to cancel a trip to the Pacific Northwest because of some health issues. I wasn’t sure how many hoops I’d have to jump through. But after a very easy claims process, I can report the protections on the Prestige card really are great.
Filing the claim
When it became clear my mom wouldn’t be able to make her trip, I called the Citi benefit service center at 1-866-918-4670 and explained the situation. They advised the trip was covered because I booked it with my card and she is an immediate family member.
One thing I didn’t realize until going through the process is the fact that coverage is secondary to any remedy with the carrier. So, in this case, we were told we had to cancel the trip with Alaska for a $250 fee. And then that $250 would be refunded by Citi.
So, we went ahead and cancelled the trip, filled out the claim form and submitted it with the supporting documentation from the airline and my mom’s doctor.
Then the next day, I received an email notifying me the claim was approved and I’d see the $250 fee posted to my account within the next two billing cycles.
This couldn’t have been any easier, and I’m quite pleased with the result.
In the end, I was really impressed by how easy the entire trip cancelation process is with the Citi Prestige® Card.
With other cards, I’ve used similar purchase benefits to only be disappointed by the burdensome claim requirements and loopholes in coverage. This was really seamless and worked exactly as advertised. I’ll continue to put airline spend on my Prestige card because of it.
Have you used trip insurance through your credit card?