Citi Strata Premier Purchase Protection: $10,000 per incident, $50,000 per year Coverage (2026)

Citi Strata Premier purchase protection covers items for 90 days from purchase from purchase date, protecting against theft or accidental damage. Coverage limit is $10,000 per incident, $50,000 per year per claim.

Your card statement showing the purchase, the original receipt, a police report (for theft) or photos (for damage). Most issuers require claims within 90 days of the incident.

Most cards exclude vehicles, real estate, cash/gift cards, perishable goods, and items used for business. Electronics, clothing, jewelry, and household goods are typically covered.

No. Norte analyzes coverage from our database of 200+ cards. Simply select your cards from our list — no account connections or personal financial data required.

Our database is built from official card benefit guides and policy documents. We verify coverage details regularly, but always confirm with your card issuer before making claims.

Most claims are processed within 30-45 days of submitting complete documentation. You'll typically receive initial acknowledgment within 5-7 business days.