Assuming you could reclaim for your AZ fare from your credit card company, I was going to suggest take a bet on Paddypower where the pay-out would be sufficient to pay for the a full fare ticket.

Unfortunately, I think Paddypower does not offer odds any more on this. Not a betting person myself, I would not know if any other betting firms that offer this. At this stage, I suspect the betting odds or the insurance would make the option particularly cheap.