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LIUNA Local 183

The largest construction local union in North America.

UNION POWER INSURANCE MEMBER DISCOUNT

May 31, 2022 ·

Union Power offers competitive rates for Home & Auto Insurance for LIUNA Local 183 members.

Call direct at 1-844-872-8722 or e-mail [email protected] to receive a free, no obligation quote and learn how to expertly insurance your home and vehicle.

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Do Citi cards have travel insurance?

Car rental insurance, costco anywhere visa® card by citi travel insurance benefits, citi® / aadvantage® executive world elite mastercard® travel insurance coverage, does citibank offer travel insurance.

Citi credit cards provide a host of benefits, including some generous points and miles earning opportunities (depending on the card you have).

But, when it comes to travel insurance, let’s just say it’s not necessarily Citi cards' strong suit.

Still, there are Citibank travel insurance benefits you should know about to ensure you use the right card when paying for your next trip. Here are the primary benefits associated with Citi card travel insurance.

Only two Citi cards have travel insurance, and each one has a different set of benefits: The Costco Anywhere Visa® Card by Citi and the Citi® / AAdvantage® Executive World Elite Mastercard® .

on Citibank's application

Both cards provide rental car insurance.

The Costco Anywhere Visa® Card by Citi also offers roadside assistance, worldwide travel accident insurance and a 24/7 concierge for travel and emergency assistance. The Citi® / AAdvantage® Executive World Elite Mastercard® , on the other hand, offers baggage protection, trip cancellation/interruption insurance and trip delay protections.

» Learn more: Best Citi credit cards right now

If you use either of the two Citi credit cards listed above to pay for a car rental, Citi travel insurance will protect any damages to a rental car up to $50,000.

This amount will cover the cost of repairs or the cash value of the car, whichever is lower. It applies anywhere you rent a car — there are no geographic limitations — as long as the rental period is no longer than 31 days. Citibank travel insurance covers accidental damage, theft, vandalism or a natural disaster, and any necessary towing costs.

Citi's rental car insurance is secondary when renting a car within the U.S., but if you're renting outside of the country, it switches to primary coverage.

With secondary insurance, you need to rely on any other insurance coverage you have before Citi’s car rental insurance kicks in. Primary insurance, alternatively, will be the first line of coverage you have.

Coverage wouldn't apply if you rent the car to someone else or operate a rental car as a rideshare vehicle. It also only covers the car, not any personal injuries that might result from an accident.

There are several types of vehicles that are excluded from coverage. These include:

Trucks, pickup trucks, trailers, full-size vans on a truck chassis or recreational vehicles like campers and off-road vehicles.

Motorcycles or motorized bikes.

Commercial vehicles or cargo vans.

Any vehicle with fewer than four wheels.

Antique vehicles older than 20 years or that have not been made in the past decade.

Limousines.

Sport-utility trucks or open, flat-bed trucks.

Any vehicle that retails for over $50,000.

» Learn more: Rental car insurance explained

Roadside assistance

When driving in the U.S., roadside assistance is available for Costco Anywhere Visa® Card by Citi cardholders by calling 866-918-4670.

Roadside assistance is valuable in the event of an accident, loss of fuel or other vehicle malfunction. Keep in mind that you would still have to pay for the assistance (like a tow truck, for example), but this benefit makes it easy to reach someone with one phone call.

Citi card provides access to similar assistance as a membership program like AAA . The difference is that AAA’s annual fee covers roadside assistance fees while Citi's coverage doesn't; it solely provides access to someone who can help you for a reduced rate.

Several credit cards provide some type of roadside assistance and are worth considering before paying the annual fee for AAA.

Worldwide travel accident insurance

The Costco Anywhere Visa® Card by Citi includes accident insurance, which covers the cardholder or family members if they are injured or killed when traveling on a common carrier (any vehicle that is licensed to carry passengers like a bus, plane, cruise ship or train).

You will need to have used the Citi card to cover the entire cost of the travel on that common carrier for the benefit to apply. The maximum coverage is $250,000.

» Learn more: How does travel insurance work?

Travel and emergency assistance

The Costco Anywhere Visa® Card by Citi card provides access to a 24/7 concierge to help you with a disruption to your trip. This can include medical assistance, referrals to a doctor or legal help. It can also help if you need to adjust travel plans.

Just remember, you’ll be responsible for paying for any services used, but the call is toll-free.

Baggage protection

Only available for the Citi® / AAdvantage® Executive World Elite Mastercard® , this luggage protection provides coverage if your checked bag is stolen, lost or damaged.

The insurance covers as much as $3,000 per person ($2,000 for New York residents), but only kicks in if you use the card or American AAdvantage miles to pay for the trip.

» Learn more: The guide to baggage insurance

Trip cancellation and interruption insurance

If a covered traveler has a medical emergency or dies, the Citi® / AAdvantage® Executive World Elite Mastercard® coverage can provide reimbursement for up to $5,000 in eligible nonrefundable expenses.

You would need to use the card or American AAdvantage miles to pay for the trip.

Trip delay protection

Another benefit that’s reserved only for the Citi® / AAdvantage® Executive World Elite Mastercard® is trip delay protection . This coverage kicks in if your trip is delayed by at least six hours, and offers reimbursement for expenses incurred during the delay, up to $500 per trip.

This would include reasonable purchases like hotel stays, rental cars and meals.

» Learn more: The best travel credit cards right now

Citibank travel insurance is available, but limited. It is only offered on two cards and isn't as comprehensive as other credit cards with travel insurance .

Both cards include rental car coverage, but beyond this, each has its own set of benefits. Depending on which one you hold, it may include coverage like trip delay protection or roadside assistance.

People hold Citi cards for many reasons, including the ability to earn transferable Citi ThankYou Points . But, the travel insurance benefits are somewhat limited. If you have a Citi card, review the travel insurance perks before you take off to understand your coverage.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Travel insurance FAQs

What is the bpi credit cards travel insurance.

It is a complimentary travel insurance that is automatically issued to cardholders who used any of their qualified BPI Credit cards to purchase travel fare on any form of air, water, and land conveyance.

Who are entitled to avail the BPI Credit Card Free Travel Insurance?

Principal and supplementary cardholders are entitled to the Travel Insurance package on the following conditions: 1. Aged 69 years and under at the time of travel 2. Travel fare for principal or supplementary cardholder is charged using any of the following qualified principal/supplementary BPI  Credit card: Credit Card BPI Blue Mastercard BPI Gold Mastercard BPI Platinum Rewards Mastercard BPI Visa Signature BPI Corporate Mastercard One minor* dependent of the principal or supplementary cardholder, travelling with either or both, and whose fare is also charged on the same card on a per trip basis. *Minor dependent shall mean child of the cardholder aged 1 to 21 years old, not gainfully employed.  For Corporate Mastercard cardholders, coverage of the policy can also be applied to other passengers, for as long as: a. The travel fares are purchased on the same card, on a per trip basis; b. The passengers are employees of the same company; c. And that the additional name(s) are declared to BPI prior the trip; d. Maximum of 10 non-BPI Credit Card cardholders only, per trip.

Who is the provider of the BPI Credit Cards Travel Insurance?

The provider of BPI Credit Cards Travel Insurance is BPI/MS Insurance Corporation.

How does BPI Credit Cards Travel Insurance differ from the travel care advantage being offered by BPI MS Insurance?

BPI Credit Cards Travel Insurance is a complimentary insurance package that covers you while travelling via air, land, or water. Travel Care Advantage is a travel insurance package for the entire duration of your trip.

I already availed of the travel insurance directly with another insurance company. Am I still qualified to the BPI Credit card Travel Insurance?

Yes, as long as you charged your travel fare/ticket using your eligible BPI Credit card.

When does the travel insurance policy commence/expire?

Your coverage starts upon physical check-in or boarding, whichever is applicable and expires upon physical disembarkation from the mode of conveyance.

Is the coverage applicable for domestic and international travel?

Yes. It covers both domestic and international travel.

I will travel from Manila to Baguio by land. Am I insured if I opt to take public bus or rent-a-car service?

Yes. For public bus, you are insured as long as you are a regular fare-paying passenger and your travel fare is charged to your eigible BPI Credit Card. On the other hand, you are also insured if you choose rent-a-car service, provided that your destination covers a distance of at least sixty (60) kilometers from point of origin. This excludes Grab and other similar service provider.

How do I claim?

a. In any unlikely event, the cardholder or the cardholder’s immediate relative shall notify BPI through the 24-hour BPI Contact Center at (02) 889-10000 (Metro Manila) or domestic toll free 1-800-188-89100 (Outside Metro Manila) within three weeks from the date of incident. b. Submit all requirements to BPI MS Insurance Corporation Claims Department at 11th Floor, BPI Philam Life Building, Ayala Ave., Makati City or to any BPI MS Insurance Corporation branch near you.

What are the requirements to claim?

Please click  here  for the complete list of requirements.

Is there a participation fee?

Participation fee or deductible amount of Php 500 is only applicable for Baggage Delay and Loss. Other insurance coverage does not require any participation fee.

In case of accidental death, can my beneficiary claim the insurance proceeds from BPI even if I am already covered with full comprehensive travel insurance from another insurer?

Yes. These are two different insurance with different coverage.

What does Maximum Accumulation Limit per incident mean?

For every incident, the maximum accumulation limit is based on the type of card used.  This amount will be equally divided among cardholders who are entitled to the insurance claim. Maximum Accumulation Limit per Incident:              Php 20M  Card Type BPI Blue Mastercard, BPI Gold Mastercard, BPI Platinum Rewards, BPI Corporate Mastercard Maximum Accumulation Limit per Incident:              Php 40M  Card Type: BPI Visa Signature Example:  Three (3) cardholders charged their airfare using their BPI Gold Mastercard and boarded the same flight. In the event of a plane mishap, the maximum insurance claim of P20M will be equally divided among the cardholders’ eligible beneficiaries.

I was not able to take my scheduled flight due to illness. Can you reimburse my medical expenses?

No. Medical reimbursement excludes illness. It only covers accidental injury while on board the airline/carrier.

I arrived at my destination at 9:00 pm, but my baggage only arrived at 10:00 am the next day. Can you reimburse my clothing expenses?

Yes. Clothing expenses due to lost (robbery/fire/burglary) or beyond 12-hour delayed arrival of check-in baggage shall be covered up to a maximum limit. Incidence of lost hand-carry baggage is not included.

My flight was originally scheduled to depart at 9:00 pm, but was rescheduled to leave at 10:00 am of the next day. Can you reimburse my hotel accommodation and food expenses?

Yes. Expenses on hotel accommodation and restaurant meals incurred while waiting for more than 12 hours delayed flight departure shall be covered up to a maximum limit.  The coverage applies even with the provision of the airline/carrier.

I lost my hand-carry baggage which contains my passport, ticket, and other travel documents, will the expenses to replace my travel documents be covered?

Yes, but only the actual cost of passport replacement is covered.

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