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.
The Royal Automobile Club of Tasmania Limited (ABN 62 009 475 861, AR 000228578) (RACT) is acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, we recommend reviewing the RACT Travel Insurance Product Disclosure Statement (PDS) and the Target Market Determinations (TMDs) that apply to these products. Whilst the PDS outlines the Terms and Conditions of these products, the TMDs outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMDs also outline matters involving the distribution and the review of these products.
The PDS and TMDs for each travel product can be found on our travel insurance documents page. This travel insurance product is only available online.
ˇThe discount applies to the total RACT Travel Insurance premium when getting a quote online and a valid RACT member number is added. Discounts do not apply to the rate of GST and stamp duty. RACT reserves the right to withdraw or amend this discount offer at any time, without notice. The RACT member discount cannot be used in conjunction with any other promotional offer or discount.