Does the Citi Strata Elite cover it?
Citi lists 4 of 7 with terms: trip cancellation (up to $5,000 per trip), trip delay (more than 6 hours, up to $500 per trip), lost or damaged bags (up to $5,000 per trip) and rental car damage (secondary at home, primary abroad). Not listed on the sources we checked: baggage delay, travel accident and emergency evacuation & medical. No medical-expense cover is listed.
What the issuer lists
Trip cancellation & interruption Listed with terms
Enhanced Trip Cancellation and Trip Interruption: maximum $5,000 per covered trip and $10,000 per account per 12 consecutive months.
Trip delay Listed with terms
Covered trip delayed more than 6 hours by a covered loss: up to $500 per covered trip, 2 claims per account per 12 consecutive months. Secondary.
Baggage delay Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Lost or damaged baggage Listed with terms
Lost or Damaged Luggage: up to $5,000 per covered trip (New York residents: $2,000 per bag), 2 claims per account per 12 consecutive months. Secondary to the carrier and other insurance.
Rental car collision damage (CDW) Listed with terms
MasterRental: secondary within your country of residence, primary outside it. Charge the entire rental to the card and decline the rental company's CDW. Excludes trucks, pickups, full-size vans mounted on truck chassis, motorcycles, antique cars, limousines and exotic makes such as Porsche, Ferrari and Maserati; rentals up to 31 days; consumer accounts only.
Travel accident insurance Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Emergency evacuation & medical Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Before you rely on this: benefits only apply when you pay the way the terms require (often the full fare or rental on the card), they have exclusions, claim deadlines and documentation rules, and they can change. Your card’s Guide to Benefits is the final word. Not insurance advice.
What this card doesn’t list
Protections the Citi Strata Elite sources we checked say are not included, or don’t mention. Not listed doesn’t mean not covered: check your Guide to Benefits. A standalone travel insurance policy is one way people fill gaps like these; whether that is worth it depends on your trip.
- Baggage delay: not listed on the issuer source we checked.
- Travel accident insurance: not listed on the issuer source we checked.
- Emergency evacuation & medical: not listed on the issuer source we checked.
- Medical treatment costs abroad: no medical-expense coverage is listed for this card.
- Cancel for any reason: not listed for this card (it is not listed for any card we checked).
- Trips that cost more than the card’s limit, or costs not paid with the card, sit outside the trip-cancellation cap above.
Quick answers
Does the Citi Strata Elite cover trip delay?
Citi lists trip delay for this card. Covered trip delayed more than 6 hours by a covered loss: up to $500 per covered trip, 2 claims per account per 12 consecutive months. Secondary. Check your Guide to Benefits.
Does the Citi Strata Elite cover trip cancellation?
Citi lists trip cancellation for this card. Enhanced Trip Cancellation and Trip Interruption: maximum $5,000 per covered trip and $10,000 per account per 12 consecutive months. Check your Guide to Benefits.
Is the Citi Strata Elite’s rental car coverage primary?
The Citi source describes it as secondary at home / primary abroad. MasterRental: secondary within your country of residence, primary outside it. Charge the entire rental to the card and decline the rental company's CDW. Excludes trucks, pickups, full-size vans mounted on truck chassis, motorcycles, antique cars, limousines and exotic makes such as Porsche, Ferrari and Maserati; rentals up to 31 days; consumer accounts only. Check your Guide to Benefits.
Does the Citi Strata Elite cover medical costs abroad?
No medical-expense or evacuation coverage is listed on the Citi sources we checked for this card. Not listed doesn’t mean not covered. Check your Guide to Benefits.
Do I have to pay with the Citi Strata Elite?
The sources we checked tie these protections to how you pay. Rental car collision damage (CDW): Charge the entire rental to the card and decline the rental company's CDW. Check your Guide to Benefits.
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