We filed a travel insurance claim with Citi Cards, due to travel delays on a trip to XXXX in XXXX 2015. We were denied the claim as we had used XXXX/Citi cards miles to obtain the flights for this vacation. In the Citi cards literature it states that you must pay for the trip with the card to get travel insurance benefits, but it does not say that you can not use frequent flyer miles to get that benefit. We had paid for everything on the trip with the Citi card. While this travel insurance claim was minor in dollar value, I am far more concerned about the larger implications of this deception. For example, I recently traveled to XXXX and relied on Citi 's documentation on rental car insurance coverage ( including a coverage letter from Citi ) and therefore, declined the rental car company 's insurance. Had I been in an accident in XXXX and incurred significant costs for damage, I would now be liable for that cost, as again, I used frequent flyer miles for the plane ticket. ( note that the trip to XXXX was prior to Citi denying the earlier claim ). What is so misleading about Citi 's advertising is that the frequent flyer program is XXXX of the same benefits that Citi and XXXX XXXX promote with their card, in the same advertising/documentation as the travel insurance benefits - so one would expect that people would use miles to pay for some of their travel, which in turn, invalidates any later travel claim. 
