Card benefits, read from the guide

Citi Strata Premier travel insurance: what it actually covers

Trip delay pays up to $500 per trip once a flight is delayed more than 6 hours. You have 60 days from the delay to open the claim.

Every figure below is read from Citi’s own Guide to Benefits, CRE131 (9292_Premier World Elite), read on 2026-08-06. Not from a comparison site.

Everything the card covers

Citi Strata Premier travel benefits, amounts and filing deadlines
Benefit	Pays up to	Per	File within
Trip cancellation	$5,000	trip	60 days
Trip interruption	$5,000	trip	60 days
Lost or damaged baggage	$3,000	trip	60 days
Trip delay	$500	trip	60 days

The deadline is the part most people miss. Comparison sites publish the amounts and stop there. A benefit is worth nothing the day after its window closes, and nobody sends you a reminder.

What each one means in practice

Trip cancellation

The entire cost has to go on this card. A partial payment does not qualify.

A round trip is required. One-way travel is not covered.

Trip interruption

The entire cost has to go on this card. A partial payment does not qualify.

A round trip is required. One-way travel is not covered.

Lost or damaged baggage

The entire cost has to go on this card. A partial payment does not qualify.

Trip delay

Six hours is an unusually low threshold. Most cards start at twelve, including cards from the same issuer, so this one reaches delays the others miss.

Air traffic control delays are not on the covered list, which catches people out because it is one of the most common reasons a flight runs late.

Unusually, a delay caused by lost or stolen travel documents is covered.

Strikes are not covered here, though most cards do cover them.

The entire cost has to go on this card. A partial payment does not qualify.

A round trip is required. One-way travel is not covered.

What this card does not cover

Confirmed absent, not merely unlisted. This card carries no baggage delay, travel accident and emergency medical. That comes from the issuer’s own eligible-cards list rather than from an assumption, which matters because several well-known comparison sites publish figures for benefits the issuer does not list at all.

Had a delayed flight on this card? Check it against both the federal rules and these benefits. Free, no account, answer on the page.

Check a flight against this card

Filing a claim

Claims are handled by New Hampshire Insurance Company (AIG), via Sedgwick, not by Citi directly. Open the claim at www.mycardbenefits.com or call 1-833-251-6404.

Opening a claim and sending the documents are two different deadlines. Open it early, even while you are still collecting receipts.

Other cards

Citi Strata Elite American Express Business Gold American Express Business Platinum American Express Delta SkyMiles Platinum All cards

Source. Citi Guide to Benefits CRE131 (9292_Premier World Elite), effective 12 May 2024, read in full on 2026-08-06. Benefits change, and the guide in your own account is what governs your claim. If a figure here disagrees with yours, tell us and we will read it again.