Credit Card Feature: Interstate Flight Inconvenience Insurance

Information verified correct on May 25th, 2017

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 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 seven days 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 made redundant
  •  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 May 25th, 2017.

St.George Amplify Signature

Bonus points offer changed from 30,000 to 90,000 which is valid until 20 September 2017.

May 3rd, 2017

ANZ Rewards Platinum

A new offer of 50,000 Reward Points when you spend $2,500 on purchases within the first 3 months.

May 8th, 2017

American Express Explorer® Credit Card

Bonus points offer has been changed from 100,000 to 50,000 points.

May 16th, 2017

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Qantas American Express Premium Card
Fly faster with up to 2.25 Qantas Points per $1 spent and receive complimentary domestic and international travel insurance.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Take off sooner with up to 1 Velocity Point per $1 spent and receive 30,000 Bonus Velocity Points.
20.74% p.a. 1.9% p.a. for 15 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
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) Go to site More info
Emirates Citi World Mastercard
Earn up to 1.5 Skywards Miles for every $1 spent and indulge in carefully curated local and global experiences.
20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info
ANZ Frequent Flyer
Receive 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months, earn up to 0.5 points for every dollar spent, plus enjoy a waived annual fee for the first year.
19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Qantas American Express Ultimate Card
Fly faster with up to 2.5 Qantas Points per $1 spent and receive a complimentary Qantas domestic return Economy flight every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
American Express Velocity Platinum Card
Take off sooner with up to 2.5 Velocity Points per $1 spent and receive a complimentary Virgin Australia return domestic flight every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $375 p.a. Go to site More info
ANZ Rewards Platinum
Earn points for every dollar spent and also take advantage of ANZ Rewards Platinum's complimentary overseas travel and medical insurance.
18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Go to site More info
American Express Platinum Edge Credit Card
Earn up to 3 Membership Rewards Points per $1 spent and receive a $200 Travel Credit every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
American Express Platinum Card
Earn up to 3 Membership Rewards Points per $1 spent and receive complimentary access for you and a guest to over 1,000 VIP Lounges.
$1,200 p.a. Go to site More info
American Express Platinum Business Card
Earn up to 2 Membership Rewards Points per $1 spent and extend your cash flow up to 51 days.
$1,500 p.a. Go to site More info
American Express Gold Business Card
Earn up to 1 Membership Rewards point per $1 spent and extend your cash flow up to 51 days.
$169 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases, earn up to 1.5 for every dollar spent on eligible purchases, plus receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
20.24% p.a. $225 p.a. Go to site More info
American Express Explorer® Credit Card
Earn up to 2 Membership Rewards Points per $1 spent and receive a $400 Travel Credit every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
Bankwest Qantas World Mastercard
Earn uncapped Qantas Points per $1 spent on eligible purchases. Also enjoy no foreign transaction fees on online and overseas spend.
20.49% p.a. 2.99% p.a. for 9 months $270 p.a. Go to site More info
St.George Vertigo Platinum
Save with 12.74% p.a. on purchases. Also enjoy Visa Platinum Concierge service.
12.74% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
St.George Amplify Signature
Earn up to 3 Amplify Rewards Points per $1 spent and receive two complimentary airport lounge passes per year.
19.49% p.a. $279 p.a. Go to site More info
ANZ Platinum Credit Card
Enjoy platinum card benefits with $0 annual fee in the first year and complimentary overseas travel and medical insurance.
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) Go to site More info
NAB Premium Card
A low annual fee Platinum card with seven complimentary insurances.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info

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, cash backs, 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

The coverage only applies to you, your spouse, and dependent children.

Yes, but the exact number of times you are covered for depends on your credit card provider.

You generally need to call the insurance provider to make a claim.

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