What's the deal with Citi not offering Mastercard World Elite benefits on its World Elite cards?

I'm looking to see if any of my cards have cell phone insurance coverage. Googling for what cards offer it, I hit a number of posts that said this is a standard Mastercard World Elite benefit - that all World Elite Mastercards have it, with links to a Mastercard site where you could verify your card benefits. I have a Citi Mastercard that says World Elite on it, so I thought, paydirt! :-) I tried my card number on the site and it said it was "unable to verify the card number," which seemed odd, and asked me to call Mastercard's 800 number for more information. So I called. The CSA who answered looked up my card and said this benefit wasn't available on my card. I asked, but isn't it a standard benefit of all World Elite Mastercards? She replied, uh, let me transfer you! OK... So she transferred me to a Citi CSA who told me this benefit wasn't available on my card. I asked, but isn't this a standard benefit of all World Elite Mastercards? She told me of course it's not a benefit of all Mastercards, it's only on certain ones. I asked, but isn't this a standard benefit of all World Elite Mastercards? She told me she has 18 Mastercards and of course not all of them have this as a benefit! I asked, but isn't this a standard benefit of all World Elite Mastercards? She told me all "World Elite" means is that you can use the card internationally! I hung up.

So, can anybody tell me why Citi can apparently opt out of offering what's supposed to be a standard card benefit?