Changes to Citi card insurance 11/23/14 and 5/15/2016.

Effective 11/23/14, there are changes to a number of the benefits on the Citi cards. Here are all the files we've found:

Citi ?? Non-cobranded card
Citi AT&T card
Citi ?? Non-cobranded card
Citi Platinum AAdvantage card
Citi Hilton (Reserve?) card
Citi ?? AAdvantage card
Citi Hilton card
Citi ?? Non-cobranded card
Citi Executive AAdvantage card
Citi Prestige card
Citi Chairman Amex

I'm not clear on what's actually changed; the marketing email is (of course) vague. Anybody know?

According to the emails I got for my Citi AA Platinum cards, the travel interruption and baggage delay coverages are "new".

However, neither apply to trips booked with miles, even if you charge the fees to the card!

no primary rental in US an 3 % forex fee

These are Citi's standard policies. It would be more helpful if you were to mention the card on which you expected something different.

almost all the Citi AA cards maybe except for the executive?

Some decent changes on the AAExec/Prestige.

Theft protection up to 10k is in line with AX Plat.
Return protection is $500 instead of $300 on AX.
Warranty extension up to 10k also matches the AX Plat.

Actually using these benefits is a whole different story though. No idea if Citi make you jump through hoops or not.

It's not clear to me. On one hand it says the entire price has to be paid by the card, but on the other hand it explicitly excludes AAdvantage mile redemptions but no other program--specifically or broadly, which suggests perhaps other programs are allowed. When I inquired by phone, the front line Citi agent refuted my theory and transferred me to a specialist to confirm, but I kept getting transferred and needed to move on. If anyone gets a reliable confirmation from Citi, please share it.

If indeed award tickets are not covered, then the benefits are mostly useless for me and CSP remains my go-to card for this (since it does cover award tickets with taxes and fees charged to it, by several accounts).

In terms of changes, for the AA Exec, Prestige and Chairman card, the $500 after 3 hour delay benefit for trip delay or baggage delay is awesome. Prestige was previously $250 after 6 hour trip delay, and I don't think there was a baggage delay benefit at all.

Note that the AA Plat benefits also apply to AA Gold cards and may still apply to AA Silver (if anybody still has one of those--my Silver Visa got converted to a Gold World MC about 15 years ago). And the "?? AAdvantage" benefits apply to my legacy ClickCiti AAdvantage card. I'm guessing those benefits also apply to AAdvantage Bronze cards, which like the old ClickCiti card don't have an annual fee.

I've used price protection several times (actually "Internet Price Protection," which isn't available on any current cards, but I think it works the same as the other price protection benefits). Claims were handled by a Citicorp insurance company and there is some paperwork required, but I got a check in the mail for my claim every time (last did it about 3-4 years ago).

I recently used extended warranty coverage for the first time to get the battery, power button and charging port on my iPhone replaced. I had to call Mastercard, not Citi, and they appear to outsource the claims process to a company called Sedgwick Claims Management Services. It took a few more days than my friend's similar Amex extended warranty claim for his iPhone, but I got a check in the mail for the full cost of the repairs.

How does the baggage delay work exactly? I have had baggage delays in the past, but I can't think of anything so immediate I'd need to buy within 3 hours or so.

If you arrive in the evening and don't know if your bags will be there when you wake up in the morning, it would be nice to be able to buy toiletries, underwear, socks and a new shirt and not have to come out of pocket for it (or the cab you took to get it).

How does the trip delay work? What are some common scenarios that one would reimburse? Arriving late and having to take a cab to catch a meeting? What exactly is "reasonable and necessary"?

Based on the language in the benefits guides they sent out, I'd think your cab to the meeting scenario could be reasonable and necessary. I could also see sending them the bill for a pair of cabs and dinner at a restaurant while you waited for an outbound delay, although taking a cab to Per Se during an LGA delay might be pushing it. I would think you would get reimbursed for internet charges at the airport and maybe a lounge pass (or Minute Suite at airports that have them) so you could get work done while you waited. Maybe an extra phone charger if you had checked yours? Stuff like that.

Initial flight is delayed by >3 hours, you miss your connecting flight, must stay overnight at the connecting city -and- the airline does not offer a hotel room, meals, toiletries etc.

I just spoke to a CSR at CitiBank about rental car coverage on my Citi Thank You Preferred account. They listed three changes:

1. Now covers loss of use and towing. I specifically asked (twice) if they require the rental car company to provide fleet usage data to prove actual loss of use, and she said "no" both times. I'm still skeptical given the number of stories I've heard about loss of use not being covered.

2. Previously, Citi's coverage did not apply if you purchased any kind of coverage through the rental car company. Now it will cover any deductible on that coverage.

3. You're covered in more countries.