Common Carrier Baggage Insurance Coverage

SUMMARY OF

Common Carrier

Baggage Insurance

Coverage

Citi Commercial Cards

Government Services

For the CITI

Travel Card and the CITI

One

Card for Government Employees

Please contact the CITI Customer Service

Center at 1-800-790-7206 for information

regarding the maximum beneﬁt amount

that applies to your account.

The Plan

Eligibility & Coverage.

As an eligible CITI

Travel Card

or CITI

One Card accountholder,

the company will cover you and

your dependents for permanently

lost, stolen or damaged articles

while checked with or carried

on a common carrier, when

the entire common carrier fare

is charged to your CITI Travel

Card or CITI One Card account.

Dependents are your spouse and

unmarried dependent child(ren)

under age 19 (23 if a full-time

student) traveling on a common

carrier ticket purchased with the

cardholder’s CITI Travel Card or

CITI One Card account. Common

carrier means any scheduled

airline, land or water conveyance

licensed for the transportation of

passengers for hire.

This coverage is not available to

CITI

Purchase Card and CITI

Fleet Card accountholders.

Coverage for checked baggage

and carried-on items is up to

$1,500, which is the maximum

beneﬁt amount per occurrence

per covered person. If an item

is permanently lost, damaged

or stolen, it will be repaired

or replaced at no additional

charge, or the cardholder will be

reimbursed up to the maximum

beneﬁt amount per item and the

maximum beneﬁt amount per

occurrence for all eligible items

at the insurer’s option.

When the item insured under

Common Carrier coverage

consists of items in a pair or sets,

the coverage will not pay more

than the cost of any particular

part or parts which may be

damaged or stolen, unless the

items are unusable individually

and/or cannot be replaced

individually. If the item is ﬁne arts

or antiques, and consists of an

article or articles in a pair, set or

collection, the coverage will not

pay more than the cost of any

particular part or parts that may

be damaged or stolen regardless

of any special value which such

article or articles may have as

part of such pair, set or collection.

This coverage is excess or

secondary to the Common

Carrier’s liability. Common Carrier

Baggage coverage will, after all

indemnity from the Common

Carrier has been exhausted, be

responsible only for the amount

not covered by such other

indemnity. Coverage is limited

to the maximum beneﬁt amount

per occurrence, regardless of

the number of articles involved.

Coverage is not available in

states where prohibited.

The Cost.

This program is available to you

at no extra charge as an eligible

CITI Travel Card or CITI One Card

cardholder.

Exclusions.

Common Carrier Baggage

coverage does not cover: A.

loss on any conveyance which is

hired or used for sport, contest

or recreational activity, or is

operated or maintained for the

purpose of sport, gamesmanship,

contest, sightseeing, observatory

and/or recreational activity,

regardless of whether such

conveyance is licensed; B. loss

caused by or resulting from

breakage or fragile articles; C.

loss as a result of the cardholder’s

negligent acts or omissions;

D. automobiles, automobile

equipment, boats or other

vehicles or conveyances, trailers,

motors, bicycles (except when

checked as baggage with the

Common Carrier); E. household

effects and furnishings,

antiques and collector’s items; F.

eyeglasses, sunglasses, contact

lenses, artiﬁcial teeth, dental

bridges, hearing aids, prosthetic

limbs, prescribed medication;

G. keys, credit cards, traveler’s

checks, tickets of any kind,

negotiable instruments, bullion,

rare or precious coins, cash or

its equivalent; H. professional

or occupational equipment

or property whether or not

electronic business equipment,

telephones, computer hardware

or software; I. plants, animals;

J. consumables; K. perishables;

or L. theft or damage of jewelry,

cameras and video recording

equipment, computers and any

accessories contained in baggage

is not covered unless carried

by hand under the personal

supervision of the cardholder

or the cardholder’s traveling

companion previously known to

the cardholder.

There is no coverage for theft or

damage caused by fraud, abuse,

vermin, alteration (including

cutting, sawing, shaping), war

or hostilities of any kind (for

example, invasion, rebellion or

insurrection), conﬁscation by any

government, public authority

or customs ofﬁcial, items of

contraband, losses arising from

illegal activities or acts, normal

wear and tear, radioactive

contamination, acts of God

(including but not limited to

ﬂood, hurricane or earthquake),

mysterious disappearance

(mysterious disappearance

means the vanishing of an item in

an unexplained manner marked

by the absence of evidence of

the wrongful act of another) or

inherent product defect.

General Information.

This program description is an

important document; however,

it is not a policy or contract of

insurance. All information in this

program description is subject

to the terms and conditions of

Virginia Surety Master Policy

Number ECC-005 which is in

the possession of World Access

Service Corporation, the Program

Administrator. For general

information or to ﬁle a claim

under this program, call toll-free

1-800-586-8458. If calling from

outside the U.S., call collect at

(804) 673-1673.

How to File a Claim

1. If a covered item is permanently

lost, damaged or stolen, the

cardholder must notify the

Common Carrier and complete

their claim procedures. The

cardholder must also inform the

Program Administrator within

45 days of the date that the loss,

theft or damage occurred. If the

cardholder fails to immediately

report the loss, theft or damage

to the Common Carrier or give

notice within 45 days from

the date that the loss, theft or

damage occurred, denial of the

claim may result.

2. When notiﬁed, the Program

Administrator will set up a claim

ﬁle and send the cardholder a

claim form. The cardholder must

complete the claim form, attach

all requested documentation (for

example, the disposition of the

Common Carrier claim, record of

charge, receipt and a copy of the

police report, if applicable), and

return the completed form as soon

as possible, but no later than 90

days from the date of the theft or

damage. In the event that certain

documents are not available

when the claim form is returned

(for example, payments made

by other insurance policies), the

claim ﬁle will remain open for 6

months from the date of purchase.

Common Carrier coverage will

not pay any claim that is not

completely substantiated in the

manner requested within this 6

month period. The cardholder may

be required to send the damaged

item, at the cardholder’s expense,

to an address provided by the

Program Administrator. When a

claim is paid, the cardholder may

be required to assign their rights

to recover the amount of the loss

from the party responsible for the

theft or damage to the Program

Administrator (as appointed by

Virginia Surety Company, Inc.) to

the extent of the loss reimbursed

under this coverage.

Effective Date.

This insurance is effective

November 29, 1998. Citibank,

N.A. can cancel or non-renew

this insurance for all cardholders,

and if we do, we will notify you at

least 60 days in advance. If the

insurer non-renews coverage, we

will notify you within 60 to 120

days of expiration of the policy.

Such notices need not be given if

substantially similar replacement

coverage takes effect without

interruption. This beneﬁt does

not apply if your CITI Travel

Card or CITI One Card charge

privileges have in any way been

suspended, or if your account

has been canceled. Beneﬁts will

still apply to travel commenced

prior to the date of such policy

expiration provided all other

terms of coverage are met. No

insurance beneﬁts will apply in

the event of fraud.

Coverage to an eligible

cardholder shall be void if,

whether before or after a loss,

the eligible cardholder has

concealed or misrepresented any

material fact or circumstance

concerning the insurance,

the subject or interest of this

insurance, or commits false

swearing in connection with any

of the foregoing.

No assignment of beneﬁts.

No person or entity other than

the cardholder shall have any

legal right, remedy, or claim

for insurance proceeds and/or

damages under it or arising out of

this coverage. All rights or beneﬁts

provided to cardholders under

the Common Carrier Baggage

program may not be assigned

without the prior written consent

of the Program Administrator. Any

assignment or transfer without

the prior written consent of the

Program Administrator shall be

null and void.

No action at law or in equity shall

be brought to recover under

the Master Policy prior to the

expiration of 60 days after written

proof of loss has been furnished in

accordance with requirements of

the Master Policy.

Citi and Citi and Arc Design are registered

service marks of Citigroup Inc.

F01-7304-0 -0411 CP02-92470

1712019 07/18