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Premium credit cards not only award you miles and points, but they have your back when purchases go wrong due to a variety of reasons. Here’s a built-in credit card protection benefit you may not know about that even includes the family pet…

Premium rewards credit cards play a big role in my life not only for the points they provide that allow us to travel more for less, but also for the multitude of built-in protections that have our back when we use them to buy everything from an iPhone to a new shirt to a flight. If you have hung around sites like this for very long you may have already heard of some credit card benefits such as price protection benefits when you shop, extended warranty and purchase protections in case you break or lose one of your gadgets, or even trip delay and interruption coverage in case of a serious flight delay, cancellation, or one of your kid gets sick and you have to cancel your trip.

We have used all of those credit card protections at one point or another, but I recently learned of a new protection available on some Citi credit cards that I have never used or even heard of until now.

In the Benefit’s Guide of the Citi Prestige, Citi Premier, and a Citi AAdvantage card I found the following event as being a reason for trip cancellation coverage to kick-in:

The Covered Traveler’s Pet, has an injury or serious illness that is either life threatening or requires care and is verified by a licensed veterinarian. Pet(s) means any domesticated or tamed animal that is kept as a companion and cared for affectionately.

For many people, pets are family members, so it is pretty awesome that these Citi credit cards will reimburse you if you have to cancel a trip because your pet gets really sick or injured, requiring that you stay behind to take care of them. I know when my husky was getting up in years it started to impact when and where we could travel, especially when she would take a turn for the worse.


Now we have a young crazy dog who is thankfully very healthy, but it is good to know that if we booked airfare with one of those Citi cards that we could cancel to take care of her if she became sick or injured.


While every card handles this slightly different, to give you an idea of how it works, the Citi Premier Card provides for a maximum of $5,000 per covered traveler per trip, and the trip protection will cover costs like change fees, unused and non-refundable tickets, deposits, etc. once a covered event takes place. Note that this only works if you paid for your tickets on the card. While I’ve never made a trip cancelation claim due to a sick dog, I am sure you will have to provide documentation of the illness from your vet’s office along with documentation of all of your non-refundable expenses incurred from the canceled trip. 

Did you know that some rewards credit cards have built-in protections to cover your trip if your pet gets sick?



Citi ThankYou® Premier Card

LIMITED TIME OFFER: This card is now offering a 60,000-point bonus after spending $4,000 in the first three months. 60,000 ThankYou points can be worth up to $1,020 based on TPG's most recent valuations.

Apply Now
More Things to Know
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3X Points on Travel, Including Gas Stations
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • 60,000 Points are redeemable for $750 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $600 in gift cards when redeemed at
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases*
Intro APR on Purchases
Regular APR
16.24% - 25.24%* (Variable)
Annual Fee
$95, waived for first 12 months*
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Recommended Credit
Excellent Credit

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