I receive compensation for many links on this blog. You don’t have to use these links, but I am grateful to you if you do. American Express, Citibank, Chase, Capital One and other banks are advertising partners of this site. Any opinions expressed in this post are my own, and have not been reviewed, approved, or endorsed by my advertising partners. I do not write about all credit cards that are available -- instead focusing on miles, points, and cash back (and currencies that can be converted into the same).
One of the great benefits of many premium travel rewards cards is trip delay coverage. If your flight is delayed — the length of delay required varies — you can send the bill to your credit card company’s insurance provider for things like transportation to and from a hotel, your room night, and meals.
The nice thing about Citi Prestige coverage is that it only requires a 3 hour delay. Most cards require up to a 12 hour or overnight delay. Chase Sapphire Preferred requires a 12 hour or overnight delay. Chase Sapphire Reserve requires a 6 hour or overnight delay.
- Charge at least part of the ticket cost with these cards and you’re covered, up to the amount you actually put on the card. That means these cards cover award tickets (and international taxes – let alone fuel surcharges – can get you to the point of full coverage). Many cards don’t cover award tickets explicitly.
- Otherwise the maximum benefit is generally $500.
In my experience the key to a successful claim with Citibank is persistence. Someones you’ll be asked for things you’ve already provided. Sometimes you’ll be asked for things that are inapplicable to your trip or impossible to obtain. Don’t give up.
There’s a new change it seems on the part of the insurance provider for this benefit with the Prestige card. You may be delayed over 3 hours in total -but if the reason for that is a connecting flight, where your first flight is delayed less than 3 hours and you cannot be rebooked until much later (even the next day) they argue you do not have a qualifying delay.
That seems to be the understanding in this Reddit thread and based on data points at Flyertalk over the past few months. Misconnects that cause greater than a 3 hour delay aren’t reimburseable, your scheduled flight itself must be delayed at least 3 hours.
No doubt Citi’s earlier generosity with this benefit led people to book riskier connections. And it was expensive to honor. But this devaluation is disappointing. And it may leave the 4th hotel night free benefit as the only reason to keep a Prestige Card. Related: Should You Pay for Flights With Amex Platinum or Chase Sapphire Reserve?