The Citi Strata Elite℠ Card offers a benefit known as purchase protection. This feature provides coverage for items bought with the card if they should be stolen or damaged. However, it’s only applicable within a certain period after purchase or delivery.
Understanding how this benefit works is crucial to ensuring you can use it when needed. So, let’s look at the key aspects of the Citi Strata Elite℠ Card’s purchase protection, including what purchases are covered, the exclusions and how to file a claim.
What is the Citi Strata Elite℠ Card’s purchase protection benefit?
The Citi Strata Elite℠ Card’s purchase protection is designed to protect cardholders against theft or damage to eligible items. Here, coverage is free and may apply to purchases made with the card or Citi ThankYou® points.
The Citi Strata Elite℠ Card’s purchase protection coverage is time-sensitive and restricted to a specific dollar amount. For instance, it only covers items for up to 90 days after purchase and may reimburse up to $1,000 per incident and $10,000 per item, with a $50,000 annual reimbursement cap.
What is covered by the Citi Strata Elite℠ Card’s purchase protection?
With the Citi Strata Elite℠ Card’s purchase protection policy, covered items may include:
- Electronics: Smartphones, laptops, tablets and other consumer electronics
- Household furnishings and appliances: Furniture, appliances and other home items
However, the purchase protection policy primarily relies on a list of exclusions, rather than covering specific purchases. Let’s look at these next.
What is not covered by purchase protection?
It’s important to be aware that not all items are covered under the Citi Strata Elite℠ Card’s purchase protection plan. Exclusions include:
- Vehicles
- Perishable items that require replacement after use (including food or batteries)
- Currency (including rare or precious coins), gift cards or Traveler’s checks
- Tickets of any kind (e.g., for airlines, sporting events, concerts or lottery)
- Items purchased for resale, professional or commercial use
- Advice or services for a purchased item, such as product installation or maintenance
- Watches or jewelry, including loose gems, precious stones, metals and pearls
- Firearms or ammunition
Additionally, purchases may not be covered if the damage or theft of your item was preventable or if you used the item against its intended purpose. Cardholders are encouraged to consult their benefits guide to review the full list of exclusions and limitations.
