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What are the benefits of my Costco Anywhere Visa® Card By Citi?

Citi visa® benefits include:.

• Up to 4% Cash Back on Eligible Purchases
• Card Convenience (doubles as your Costco membership ID)
• $0 Liability on Unauthorized Purchases
• No Foreign Transaction Fees
• No Annual Fee

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• Do I need rental car insurance?

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Costco Travel Insurance Review

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Costco Wholesale

• Costco members receive discounted pricing.
• Coverage options for domestic or international travel, as well as cruises or for rental cars only.
• Higher coverage limits than credit card travel benefits.
• Only one level of coverage is available, and customization is limited.
• Annual or multi-trip plans are not available.

When something goes wrong on your trip, having travel insurance protects you personally and covers eligible travel expenses.

Many travelers rely on credit card travel protections, but those benefits generally have lower limits and only cover reservations made with that card.

If you’re considering buying Costco travel insurance, here’s what you need to know, including what it covers, how much it costs and which plan is right for you.

» Learn more: What to know before buying travel insurance

What does Costco travel insurance cover?

Members tend to love Costco and often look to see if it offers products and services before looking elsewhere.

When planning a trip, members might ask, "Does Costco sell travel insurance?" so they can protect their vacation. Costco offers several different types of travel insurance coverage based on the type of trip you are taking.

Insurance policies are offered by Cover-More Inc., a company of Zurich. To simplify coverage and premiums, Costco only offers one insurance option for each type of vacation.

International vacation packages

For vacation packages outside of the U.S., Costco members can choose an international travel policy. These policies generally offer the highest coverage limits and are designed for trips to all eligible countries around the world.

Domestic vacation packages

Travelers staying within the U.S. can get a travel insurance policy from Costco to cover their trip. Coverage limits are substantial enough to cover most domestic travel needs.

Whether your cruise is within the U.S. or visiting destinations abroad, cruise travel insurance protects you and your finances. A cruise insurance policy from Costco Travel covers all of your trip, not just the actual cruise.

Rental cars

Instead of buying expensive travel insurance from a rental car company, Costco trip insurance offers coverage to protect your rental car. It covers damage to the rental vehicle and post-departure trip interruption benefits. Rental car protection covers up to the actual cash value of the car. Additionally, it covers rental charges imposed while the car is being repaired.

This coverage is primary, which means that your personal auto insurance is not involved if there are any claims. However, it does not cover injuries or damage to other property.

Howver, many travel credit cards include similar coverage and benefits — so you might already have travel insurance on a card in your wallet.

You should consider skipping Costco Travel Insurance coverage if you have a credit card that includes complimentary rental car protection, such as the Chase Sapphire Preferred® Card .

This card includes primary coverage for physical damage to or theft of a covered rental vehicle.

» Learn more: How rental car insurance works on your credit card

Upgrade options

When buying your policy, there are two upgrade options to increase your benefits.

Cancel For Any Reason: When you cancel at least three days before departure, you’ll receive up to 50% of your insured trip cost (maximum trip cost of $10,000).

Rental Car Damage Upgrade: Protect your rental car against collision damage, vandalism, windstorm, hail, fire or flood. Coverage is up to $50,000.

Comparison of Costco travel insurance plans

This chart highlights the coverage limits and benefits you’ll receive from the different Costco travel insurance plans.

How much does Costco travel insurance cost?

The price for travel insurance policies varies based on your destination, trip length, where you live and how much you spend per person. To lower your insurance premium, only include the prepaid, nonrefundable portion of your trip.

In this chart, you’ll find sample quotes for different types of trips. The scenarios vary by destination, length of trip and cost to highlight how premiums can change.

* Quoted rates as of July 2023.

When pricing out vacation package travel insurance, the primary factor in determining the premium is the covered amount. In these scenarios, a domestic trip offered a 10% discount compared to an international trip with the same trip cost. The length of the trip did not affect premiums, except when buying rental car coverage.

» Learn more: The best travel credit cards right now

Which Costco travel insurance plan is best for me?

Since Costco travel insurance doesn’t offer different levels of coverage, the best policy for you depends on what type of vacation you’re planning. Travel insurance from Costco has one level of benefits and coverage limits for all members.

What isn’t covered by Costco travel insurance?

Travel insurance offers numerous protections that cover you, your travel companions and your nonrefundable, prepaid reservations. Before buying your policy, it’s important to understand what isn’t covered.

Pre-existing conditions. Injuries and illnesses that travelers already had before buying their policies are generally excluded from travel insurance. You may be eligible for a waiver of this exclusion, depending on your policy and travel details, as long as you buy coverage within 21 days of your initial trip payment.

Refundable reservations. Reservations that you can cancel and get a refund for are not covered. Simply contact the airline, hotel or other travel provider and cancel directly with them.

High-risk activities. Activities that take an unreasonable amount of risk of injury or death, like bungee jumping or parachuting, are excluded.

Intentional acts. Injuries, illness or losses resulting from self-inflicted actions, like drug use, intoxication or self-harm, are not covered.

Specifically designated events. Natural disasters, war, epidemics and similar events are excluded.

Is Costco travel insurance worth it?

While many travelers rely on their credit card travel insurance benefits, buying a separate travel insurance policy can be worth it.

Costco travel insurance offers higher coverage limits than what’s available through your credit card. The policies are reasonably priced, and you can easily get a free quote online in minutes.

If you’re ready to purchase, you can buy your policy online without speaking to an agent.

Costco is known for selling a variety of products and services at discounted prices. Like many of its services, Costco travel insurance is also sold through an established partner. Cover-More, a division of Zurich North America, issues all policies and is backed by Zurich Insurance Group, which has an A+ rating by A.M. Best and AA- rating from Standard and Poor’s.

Yes, travel insurance is available to all Costco members for any of your vacations. It is available whether you booked through Costco, directly with airlines or hotels, with a travel agent or through an online travel agency. Costco members receive preferred rates on Zurich products and services.

Yes, you can buy travel insurance from Costco online. Visit the Costco Travel website , then select the type of policy you want to buy. Enter basic trip details, including your destination, travel dates, your state of residence and how much you’re spending per traveler, to receive a quote. Select your policy and complete your payment to buy your insurance.

Yes, you can buy travel insurance from Costco online. Visit the

Costco Travel website

, then select the type of policy you want to buy. Enter basic trip details, including your destination, travel dates, your state of residence and how much you’re spending per traveler, to receive a quote. Select your policy and complete your payment to buy your insurance.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

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

No annual fee: Wells Fargo Autograph℠ 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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Reasons the Costco Anywhere Visa® Card by Citi Might Be Right for You

If you have an active Costco membership, then you are eligible to apply for the Costco Anywhere Visa Card by Citi and take advantage of its benefits.

Here are a few reasons why the Costco Anywhere Visa Card by Citi may be right for you.

You’re an avid Costco or Costco.com shopper

Cardmembers can take advantage of several benefits when shopping with Costco.

First, the Costco Anywhere Visa Card by Citi can make your Costco trip more convenient. The card can act as your membership ID when you enter a Costco warehouse.

Cardmembers also get rewarded when shopping at Costco. This card offers cash back rewards, including unlimited 2% cash back on purchases from Costco and Costco.com.

You want to use it for gas or EV charging

The Costco Anywhere Visa Card by Citi offers cash back rewards when you fill up your car with gas or electricity. Cardmembers can earn 4% cash back on eligible gas and EV charging for the first $7,000 per year and then 1% after that.

You want to use it for travel, accommodations and dining

With the Costco Anywhere Visa Card by Citi, you can earn additional rewards on eligible travel purchases. This card offers members unlimited 3% cash back on eligible travel, including Costco Travel, where members can book everything from all-inclusive vacation packages to cruises. You can also earn unlimited 3% cash back on dining at restaurants.

The Costco Anywhere Visa Card by Citi also offers these benefits for travelers:

• Damage and theft purchase protection
• Travel and emergency assistance
• Worldwide car rental insurance
• Travel accident insurance
• Roadside assistance dispatch service

Terms, conditions and exclusions apply. Please see here for more information.

You want a card with no foreign transaction fees

In addition to the other travel benefits, the Costco Anywhere Visa Card by Citi has no foreign transaction fees 1 . This means you can use the card to spend money abroad without worrying about paying an additional fee on purchases made.

1 Important Pricing & Information+

Disclosure : This article is for educational purposes. It is not intended to provide legal, investment, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi product or service. For advice about your specific circumstances, you should consult a qualified professional.

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Travel Insurance

You have spent a lot of time planning and saving for your upcoming vacation. Your departure date will be here before you know it. However, we all know things don’t always go according to plan. What would you do if something unexpected happened before or during your trip? For instance, your flight is canceled or delayed, you experience a medical emergency, or your baggage is lost during transit?

Travel insurance can help provide a much-needed safety net if:

• You or a family member get sick the day before your departure, and you cannot travel  - Opens a dialog   
• You have a medical emergency while on your trip  
• You arrive at your destination, but your bags do not  
• You miss your plane due to a car accident on the way to the airport  

These things and more can happen and a travel insurance plan can provide valuable benefits that help cover expenses when they do.

Travel with confidence knowing that your travel insurance also provides 24/7 travel and emergency assistance. You can relax and enjoy your vacation knowing that help is just a phone call away should you need assistance 1-844-246-8470.

Don’t let an unexpected event interfere with your vacation; let a travel insurance plan help protect you against the unexpected.

Please Note: To be eligible for the waiver of pre-existing medical condition exclusion, the protection plan must be purchased within 21 days from the time you make your initial trip payment. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. For details: https://47-0351.covermore.com

Travel Insurance is offered and provided by Cover-More Inc., a company of Zurich, as made available through CWC Travel Inc., for Costco Travel. Plans are not available to residents of New York at this time. The product descriptions provided here are only brief summaries. The full coverage terms and details, including limitations and exclusions are contained in the insurance Policy. Cover-More Inc. CA Agency License #0N13321. Insurance coverage underwritten by individual member companies of Zurich in North America, including Zurich American Insurance Company (NAIC #16535).

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