As summer rolls around, Tasmanians are ready to make the most of the sunshine – from weekend escapes to longer visits interstate exploring Australia’s iconic destinations. Travelling within Australia might feel more relaxed than going overseas, but unexpected disruptions can still happen.
Flight cancellations, medical emergencies or lost luggage can quickly turn a stress-free regional getaway into a costly experience. That’s where travel insurance can help – and why, even for domestic trips, it remains an essential part of your holiday planning. Let's break it down.
Does the season matter?
Summer is the perfect time to travel (especially for families taking advantage of the school holidays), but – with all those extra travellers – it’s also peak season for delays and cancellations. With busier airports, unpredictable weather and rising demand, disruptions are more common than you might think.
According to RACT travel insurance data for FY25 (1 July 2024 – 30 June 2025), one of the main reasons holders of RACT domestic travel insurance make a claim is for unexpected emergency expenses and lost deposits following cancelled flights. Whether it’s accommodation costs, replacement transport charges or the fees for rescheduled connections, these incidents can add up fast. Please see the PDS/FSG for more detail of cover in each section, as conditions, exclusions, section limits and sub-limits may apply as set out in each section, and additional sub-limits may apply.
But we're close to home, right?
Even when you're travelling close to home, things can go wrong. Our domestic travel insurance policy can help provide protection from:
- Rental car excess: If you have a car accident while travelling within Australia, your policy may help cover the excess on your rental car.
- COVID-19: If you are diagnosed with COVID-19 and need to cancel your trip, this cover may provide benefits for trip cancellation and lost deposits that are non-refundable.
- Skiing and snowboarding: If you’re hitting the slopes in Australia, you can add ski and winter sports cover to your policy for the specific time you take part in these activities.
- Unforeseen circumstances: If something happens on your trip and you can no longer make your trip or need to cut it short, you may be covered with protection for the unexpected.
- Death, injury or illness: Whether it affects you, a relative, a travelling companion or their relative, travel insurance may help cover related medical costs.
- Travel agent fees: If you booked your trip through a travel agent, those costs may be reimbursed if your trip is cancelled for a covered reason.
- Lost luggage: If you accidentally lose your luggage or your luggage is delayed, you may claim for the personal items inside, some of which may be valuable and costly to replace.
- Emergency expenses: If you run into an emergency while on holiday, you may be reimbursed for the associated costs, including unexpected accommodation or transport.
All cover is subject to limits, sub-limits, terms, conditions, and exclusions. Please refer to the PDS/FSG for detailed information, as conditions, exclusions, section limits, and sub-limits apply to each section, and additional sub-limits may apply.
What does that support really look like?
Unexpected events can occur even during domestic trips. Consider travel insurance that offers cover for trip cancellations and lost luggage. Travel insurance can provide valuable protection. No matter the situation, the 24/7 emergency assistance team is just one call away. We have experts on-the-phone, on-the-ground, and sometimes even in-the-air to help save the day.
Added peace of mind is priceless when you’re travelling. These stories highlight how valuable travel insurance can be when the unexpected happens. For many, it’s the difference between a short delay and a major financial setback.
Credit: vladteodor.ro
Whether you’re heading to Queensland’s beaches, Victoria to watch a game of Test cricket or going west for the warmth, RACT Domestic Travel Insurance offers cover for unexpected events.
With local Tasmanian expertise and support you can trust, we'll help give you confidence to explore knowing you’re supported by people who put Tasmanians first.
Because every great holiday deserves great protection.
Important information
†Member discount applies to the premium payable (excluding GST, stamp duty and any other taxes). Offer can be withdrawn/amended at any time without notice. Member discount cannot be used in conjunction with any other promotional offer or discount.
The Royal Automobile Club of Tasmania Limited (ABN 62 009 475 861, AR No. 228578) (RACT) is an authorised representative of the RACT Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RACT Travel Insurance as the managing agent on behalf of Tokio Marine.
Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available on the travel insurance documents page, or on request from RACT. This travel insurance product is only available online.