Cti Prestige has probably the best trip delay insurance out of all credit cards. As long as your flight has been delayed by 3 hours of more, you’re eligible to file a claim. Unfortunately Citi is no longer approving claims if you miss a connection unless your first flight was delayed by three hours or more. This means that if your first flight was delayed less than three hours, but you miss a connection and are delayed for more than three hours on your second flight you are not eligible for trip delay insurance.
I can see why Citi would make this change, you don’t want to encourage people to book risky connections that they are likely to miss only to receive reimbursement. I guess the best way to avoid this is to make sure to have more than three hours between connections, but for a lot of people that will be too much of a time sunk. The other option would be to use another card to book, but the next best card is the Chase Sapphire Reserve and that requires a delay of 6+ hours. As far as I am aware they also do not cover claims due to miss connections.
Again I don’t really have an issue with Citi (really their insurance provider) denying these claims, but the terms could use an update to specifically call out that missed connections are not covered unless the first flight is delayed by more than three hours.
Hat tip to /r/churning, Flyertalk & VFTW
