Questions and Answers

Now that more people are going to be using the Prestige for flight purchases with the 5x on TYP, I think it might be good to do a more detailed article about Citi Prestige travel protection coverage, particularly the Trip Delay coverage. Here’s what I’m not understanding:

The key thing that has got everybody worked up is this one: “The Covered Traveler(s) is delayed due to a missed connection of their Common Carrier, but the delay that caused the missed connection does not meet the required time period of 6 hours.”

So if you have a 5.5 hour delay on Flight 1 that is caused by a covered reason, say severe weather, that causes you to miss Flight 2, do you in fact have coverage based on the fact that severe weather is a covered reason or do you not have coverage because the severe weather did not delay you the minimum of 6 hours? Also, if you end up having to spend the night due to a missed connection caused by a covered reason at your origin that ended up being less than 6 hours, seems like you’d be out of luck with Prestige insurance while CSR insurance would still cover your hotel that night, no?

In my experience, filing Citi claims it seems very much at the mercy of the person reviewing your claim. But it would be good to get some clarity on this matter just so people can have a better understanding of this 6-hour rule and implementation and therefore feel more comfortable about using this card for flight purchases.

Thanks!