Credit Card Feature: Interstate Flight Inconvenience Insurance

credit card flight insuranceFind out which cards offer interstate flight inconvenience insurance and how it may benefit you.

Interstate flight inconvenience is an incentive offered by credit card companies to their gold and platinum cardholders.

At its core it covers eligible cardholders for flight delays, flight cancellation, delayed luggage and lost or damaged items. The policy becomes effective once you leave your home for the airport until you return home. Generally speaking these policies cover trips of between 7 - 14 days.

How does complimentary interstate flight inconvenience insurance work?

Many credit card companies offer interstate flight inconvenience insurance as a perk to their cardholders. Cardholders are usually covered for 7 - 14 days by this policy when they go to another Australian state. This insurance will only take effect if they use their eligible credit card to pay for 100% of the cost of the return air ticket. The coverage also applies to the cardholder's spouse and kids if they go on same trip and if their tickets have been paid using the same credit card.

To illustrate the various features of interstate flight inconvenience insurance, we've analysed two credit card providers for comparison:
st.george logo

St.George

St.George offer interstate flight inconvenience insurance on the St.George Vertigo Platinum Card. Here's what you can expect out of this type of insurance.

  • Trips of up to 14 days are covered
  • Flight delays. If your flight is delayed for four hours and if no alternative means of transport was provided, you will receive compensation for food and refreshments. The maximum you can receive for this is $100.
  • Baggage delays. If your baggage is delayed by more than 12 hours, you can receive $75 per person to purchase clothes and necessities, up to a maximum of $250.
  • Lost or damaged items. If your items are accidentally lost, damaged or stolen during the trip (excluding electronics), you can get compensation. Cardholders can receive up to $500 per item and a maximum of $1,250.
  • Funeral costs. In the event of accidental death during the trip, funeral costs such as the expense of transporting your remains or the cost of cremation/burial will be covered. The St.George Platinum covers $2,500 per person up to a maximum of $5,000.
  • Cancelled holiday. St.George offers compensation if your trip was cancelled for unforeseen reasons including if a travel companion dies, is seriously injured or becomes seriously ill.

Don't want to go to the bank? You can apply for a Commonwealth Bank credit card through the Internet.

The Commbank Platinum Awards Card

The CommBank Awards range of cards also provides complimentary insurance depending on what card you have. The Commonwealth Platinum Awards offers interstate flight inconvenience insurance which works similar to the above policy but with different claim limits and restrictions.

  • Trips of up to 14 days are covered
  • Flight delays. If your flight is delayed for four hours and no alternative means of transport was provided, you will receive compensation for food and refreshments of up to $35 per person, up to a maximum of $100.
  • Baggage delays. If your baggage is delayed by more than 12 hours, you can receive $150 per person to purchase clothes and necessities up to a maximum of $450.
  • Lost, stolen or damaged items. If you accidentally lose or damage personal items during the trip, or they're stolen, you can get compensation. This is limited up to $750 per item up to a maximum of $1,500 per trip.
  • Funeral costs. In the event you die accidentally while on your trip, Commbank pays for funeral expenses of up to $2,500 per person, up to a maximum of $7,000.
  • Cancelled holiday. Commbank offers compensation if your trip was cancelled for unforeseen reasons. The list of factors includes:

If you or any of your family members:

  • Suffers serious injury
  • Become seriously ill
  • Pass away
  • Are placed under quarantine
  • Receive a subpoena
  • Are unexpectedly retrenched (does not include voluntary retrenchment or redundancy)
  • Have your home completely destroyed

As you can see, the amounts offered under each policy are almost identical bar the length of the trip supported and the amount of cover received. In fact in many cases this insurance is offered by the same provider - QBE, which explains why this is the case. With this being said if this is a policy you would use you should compare the cover given.

Comparison of credit cards with interstate flight inconvenience insurance

Rates last updated November 22nd, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Qantas American Express Premium Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$249 p.a.
Enjoy two complimentary Qantas Club lounge invitations per year and the protection of complimentary travel insurance.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Platinum card benefits plus 0% p.a. for 24 months on balance transfers (with no BT fee) and $0 annual fee in the first year. Ends 13 December 2017.
NAB Premium Card
19.74% p.a.
0% p.a. for 20 months with 2% balance transfer fee
$90 p.a.
Offers 7 complimentary insurance covers, access to a 24/7 concierge service and special offers through Visa Entertainment.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
Emirates Citi World Mastercard
20.99% p.a.
0% p.a. for 9 months
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Earn up to 1.5 Skywards Miles for every $1 spent and indulge in carefully curated local and global experiences.
ANZ Frequent Flyer
19.99% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Get 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months.
Virgin Australia Velocity High Flyer Card - 80k Bonus Points offer
20.74% p.a.
0% p.a. for 15 months
$289 p.a.
Take off sooner with up to 1 Velocity Point per $1 spent and earn up to 80,000 bonus Velocity Points. Plus, complimentary travel insurance.
Qantas American Express Ultimate Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$450 p.a.
Take advantage of a high Qantas Points earn rate and two American Express Airport Lounge entries each calendar year.
American Express Velocity Platinum Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$375 p.a.
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
ANZ Rewards Platinum
18.79% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Earn points for every dollar spent and also take advantage of ANZ Rewards Platinum's complimentary overseas travel and medical insurance.
ANZ Low Rate Platinum
11.49% p.a.
$99 p.a.
Get $250 back to your new ANZ Low Rate Platinum when you spend $500 on eligible purchases within the first 60 days from card approval.
Bankwest Breeze Platinum Mastercard
0% p.a. for 13 months (reverts to 12.99% p.a.)
0% p.a. for 13 months with 2% balance transfer fee
$99 p.a.
Receive complimentary international travel insurance, extended warranty cover and 0% foreign transaction fees.
American Express Platinum Edge Credit Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$195 p.a.
Receive a $200 Travel Credit every year and complimentary domestic and international travel insurance.
American Express Platinum Card
$1,200 p.a.
Receive an annual $300 Platinum Travel Credit, membership to an elite tier of partner programs and access to more than 1,100 VIP lounges.
NAB Velocity Rewards Premium Card
19.99% p.a.
4.99% p.a. for 6 months
$150 p.a.
Offers up to 0.66 Velocity Points per $1 spent on purchases, combined with complimentary insurance covers and a concierge service.
American Express Platinum Business Card
$1,500 p.a.
Enjoy a platinum business concierge, complimentary Virgin Lounge access, worldwide travel insurance and luxury hotel benefits.
American Express Gold Business Card
$169 p.a.
Take advantage of no pre-set spending limit, data that feeds to MYOB accounting software and up to 51 days interest-free on purchases.
ANZ Rewards Travel Adventures card
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points when you spend $500 on eligible purchases in the first three months.
American Express Explorer Credit Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$395 p.a.
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.
Bankwest Qantas World Mastercard
20.49% p.a.
2.99% p.a. for 9 months
$270 p.a.
Earn uncapped Qantas Points per $1 spent on eligible purchases. Also enjoy 0% foreign transaction fees on online and overseas spend.
ANZ Platinum Credit Card
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Enjoy platinum card benefits with a 24/7 personal concierge and complimentary overseas travel and medical insurance.
NAB Qantas Rewards Premium Card
19.99% p.a.
4.99% p.a. for 6 months
$250 p.a.
A premium card that offers 25,000 bonus points when you meet the spend requirements. Plus a 24/7 personal concierge.

Compare up to 4 providers

How to compare credit cards with interstate flight inconvenience insurance

  • Cover limits. If you are checking to see the cover you receive for interstate flight inconvenience, it's important to look at the cover limits of different credit card providers. For example, the amount of money you'll be given for a lost/damaged item can range from $550 to $3,000 depending on your provider and the type of credit card you have.
  • Annual fee. It is important to compare these types of credit cards based on their annual fees because higher annual fees may reduce the value of these types of perks. There are instances when the annual fee is waived for the first year.
  • Interest rates and interest-free days. If you intend to keep a balance on your credit card, choosing a provider that charges low interest rates is particularly important. Many companies also offer interest-free days of up to 55 days on new purchases when you pay off the last closing balance.
  • Promotions. Credit card companies regularly run promotions such as 0% balance transfers, cashbacks, and price guarantees on eligible purchases.
  • Other perks. Credit cards that offer interstate flight inconvenience insurance usually provide other perks such as complimentary travel insurance and concierge service.

What are the pros and cons of these types of cards?

Pros

  • Free insurance policy. Flight inconvenience insurance is essentially a perk offered by credit card companies to attract clients. The true savings given by this card will depend on what you claim for.
  • No extra out-of-pocket expenses for flight inconveniences. You will receive compensation for flight delays, cancellations, and lost items.
  • Coverage for your family. Provided that you paid for your spouse's and dependent children's air tickets using the same credit card, they are also usually covered by this policy with no questions asked. Be sure to check the policy document first.

Cons

  • Online booking surcharge. To activate the policy, you need to pay using your credit card. Most airline companies charge an online booking fee.
  • Maximum coverage limit. This policy may not cover all costs associated with delays or loss of baggage.
  • Not valid for extended holidays. If you're travelling for long periods of time this insurance won't apply, as most are limited to 14 days.

Frequently asked questions about complimentary interstate flight inconvenience insurance

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