Card benefits, read from the guide
Citi Strata Premier Lost Baggage: what you get and how long you have
Up to $3,000 if it is lost or damaged. File within 60 days. Below: the exact trigger, what counts as an essential item, who is covered, and the deadline — read from Citi’s own benefits guide.
Everything else Citi Strata Premier covers: delays, cancellation, car hire
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.
Quick answer
- Trip delay$500 after 6 hoursfile within 60 days
- Trip cancellation$5,000file within 60 days
- Lost or damaged baggage$3,000file within 60 days
- Trip interruption$5,000file within 60 days
Everything the card covers
| 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 |
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
Had a delayed flight on this card? Check it against both the federal rules and these benefits. Free, no account, answer on the page.
How to file a claim
Who handles it
New Hampshire Insurance Company (AIG), via Sedgwick
Not Citi directly. Calling the number on the back of your card will usually get you transferred.
Start a claim at www.mycardbenefits.com →
Or call
Your deadlines
Opening a claim and sending the documents are two different deadlines. Open it early, even while you are still collecting receipts.
| Benefit | Open within | Documents within |
|---|---|---|
| Trip cancellation | 60 days | 180 days |
| Trip interruption | 60 days | 180 days |
| Lost or damaged baggage | 60 days | 180 days |
| Trip delay | 60 days | 180 days |
What to keep
- The airline’s written explanation of the delay or cancellation.
- Your card statement showing the fare was paid on this card.
- Itemised receipts for everything you are claiming.
- The original itinerary, including the flight numbers and dates.