My experience using Citi's Worldwide Car Rental Insurance
Most Citi credit cards, including the Costco Anywhere Visa , Premier , and Prestige cards, carry Worldwide Car Rental Insurance , which is a free benefit Citi is unfortunately eliminating on September 22, 2019 for all their cards except the Costco Anywhere. Worldwide Car Rental Insurance is underwritten by Virginia Surety Company, and provides damage and theft protection for your rental car of up to $50,000, but not liability or damage to other vehicles. Coverage is primary outside of your country of residence and secondary in your country of residence, meaning that if you reside and rented a car in the U.S., your personal auto insurance would kick in first, and Worldwide Car Rental Insurance would cover any excess not covered by your personal insurance policy. For New Zealand, I rented two cars: one for the south island and one for the north island portions of my trip both using my Citi Premier card, which earns 3x on travel including car rentals and has no foreign exchange