family travel insurance halifax

Does Halifax Ultimate Reward Travel Insurance Cover?

• Coverage for you, your living spouse, and any children under the age of 18 (or 24 if they’re in full-time education).

Does Halifax travel insurance cover cancellation?

There is now coverage if you are overseas and are ordered to return home or prefer to leave early to avoid having to quarantine when you return due to an epidemic or pandemic declared by the World Health Organization (WHO) or a government body. The UK government or the government of the nation you’re visiting could issue the order to come home.

If you or someone you’re traveling with has scheduled to fly and the carrier or a government body refuses to allow you go because you or they are showing symptoms of a contagious sickness at the time of boarding, you or they are entitled for additional cancellation coverage.

If anyone traveling with the insurance holder has been advised to quarantine owing to a potential exposure to COVID-19, cancellation coverage will now be offered for those protected under the policy. Local lockdowns and a broader quarantine order are not included in this.

If you become unwell while traveling, you are still insured for emergency medical care. Anyone planned to go and protected under the policy will still have cancellation and medical coverage if they are required to quarantine on an individual basis.

On December 1, 2021, NHS Test and Trace / NHS Test and Protect (Scotland) contacts a friend you’re traveling with and informs them that they need to self-isolate and will be unable to accompany you. You will be insured for travel cancellation in this case.

You are scheduled to depart on December 1, 2021. There were no restrictions on traveling to your destination at the time you booked. The Foreign, Commonwealth and Development Office’s travel advice to that place changes two days before your journey begins, and now advises against all but essential travel. As a result, you must reschedule your vacation. You would not be protected for any cancellation expenses in this case, and you would need to seek compensation from the travel provider or another source, such as your credit card issuer.

It is critical that you study the terms and conditions of travel insurance to verify that the coverage matches your requirements.

What is covered by Halifax Ultimate Reward account?

The family travel insurance policy covers you, your spouse or partner (if you live together), and any children under the age of 18, or 24 if they’re in full-time education. Personal goods, specific sports and hobbies, and golf excursions are all covered.

Existing medical issues are not covered unless they are initially agreed upon with the insurer, in which case an additional premium may be required.

• Multi-trip travel around the world, including specific winter sports and golf excursions. There’s also coverage for UK excursions that include at least two nights of pre-booked lodging.
• Your children – any of your children who are 18 years old or younger, or who are 24 years old if they are in full-time education. When traveling with the account holder or a responsible adult, you are covered.
• As long as they reside with you, your partner can be a spouse, civil partner, or partner.
• If your personal baggage is lost, damaged, or stolen, you may be entitled to compensation of up to £2,500. This includes assets worth up to £500 and a single article, pair, or set of articles worth up to £500.
• Personal money is covered up to £750 in the event of loss or theft. This includes up to £300 in cash coverage. For those under the age of 16, the amount is limited to £50.
• Pre-existing medical issues are not covered unless the insurer has agreed to cover them.
• The excursion with the longest duration is 31 days. A maximum of 31 days of coverage in a calendar year for winter sports.
• Children are only protected if they are accompanied by you, the account holder, or another responsible adult.
• If you go against the recommendation of the Foreign, Commonwealth and Development Office (FCDO) or any regulatory authority, you are not covered.
• If you are unable to travel or prefer not to go because the FCDO or another equivalent government organization in another nation advises against travel due to a pandemic, you are not covered.
• When the account holder reaches the age of 71, all coverage terminates. As long as the account holder is under the age of 71, their spouse, partner, or civil partner (with whom they live) is insured until they become 71. Eligible children can also be covered if they are traveling with the policyholder’s spouse, partner, or civil partner.

If you need support when traveling abroad, dial +44 (0)208 239 3931 for Allianz Assistance’s 24-hour assistance line. Call Allianz Assistance at +44 (0)345 124 1400 if you need to lodge a claim or want additional information. You can also submit your claim online through the Allianz Assistance Hub, which is accessible via your banking app or Online Banking.

AWP Assistance UK Ltd (business as Allianz Assistance) administers the policy, which is underwritten by AWP P&C SA.

Please note that these are only a few of the key issues; the policy document included in the Ultimate Reward Current Account Getting Started Guide has complete details of the limitations and exclusions (PDF 1.3MB).

As part of the account application procedure, we will also send you the Insurance Product Information Booklet (PDF 2.4MB).

If your travel has been disrupted, you may also use our helpful travel disruption tool.

Do the Halifax do travel insurance?

Overview of Halifax travel insurance. Halifax’s Ultimate Reward Current Account package account includes travel insurance. For a monthly charge of £17, the account also includes AA breakdown cover, mobile phone insurance, and home emergency cover. AXA Insurance UK plc underwrites its insurance.

What is not covered in travel insurance?

Baggage delay, damage, and loss plans do not cover all of your belongings. Glasses, hearing aids, dental bridges, tickets, passports, keys, cash, and cell phones are all common travel insurance exclusions. These things are sometimes covered, but only up to a particular cost limit, so if you have several expensive electronic items (such as a laptop, tablet, and mobile phone), you may not have enough coverage to cover the loss of all of them.

Is Halifax Ultimate Reward account changing?

If we don’t hear from you by May 15, 2020, your account will be converted to a current account, and you won’t be eligible for monthly Reward Extras. You can upgrade to a Reward Current Account at any time after your account has been converted to a Current Account if you believe it is the ideal account for you.

We’re also adding a £3 monthly account maintenance fee on June 1, 2020, although this won’t apply if you deposit at least £1,500 into your account each month.

Between June and August, we won’t charge the £3 monthly account maintenance cost to help you get acclimated to your new account.

However, you must still pay £1,500 each month to be eligible for your reward.

To help you decide if this account is perfect for you, we’ve highlighted everything you’ll need to do to obtain Reward Extras.

Can I downgrade my Halifax Ultimate Reward account?

It’s good news for existing Halifax customers since if you haven’t received a switching bonus from Halifax since April 2020, you can still claim the bonus.

However, unlike Natwest, Halifax would not allow you to switch into an existing account and receive a bonus. You will need to create a new account.

If you have a Halifax “Current Account”

The Current Account from Halifax is a no-frills ordinary account. If you have this, all you need to do now is create a Reward or UItimate Reward account.

If you have a Halifax Reward account

Many of you, I’m sure, already have this account thanks to the generous £5 per month offer. As a result, you’ll need to create an Ultimate Reward account. You can downgrade the account once you’ve switched and received the money if you don’t want to maintain it (details below).

If you have both the Reward and Ultimate Reward accounts

If you already have both of these accounts, that shouldn’t be a problem.

Simply downgrade one of your existing Halifax accounts to a different type of Halifax account. After that, reapply for the same account. Then switch back to normal mode! Halifax has confirmed that this is acceptable.

Of course, there may be some differences in your insurance policies if you do this with the Ultimate Rewards account, so compare them before deciding to downgrade the old account.

How do I claim on my Halifax phone insurance?

If you haven’t already done so, you can register your mobile phone number with the insurer via online banking or by dialing 0345 124 1400.

Raising a claim

You must notify the authorities and your airtime supplier as quickly as possible if your phone is lost or stolen. If you do not do these steps, your claim may be denied.

• Your phone’s make and model. Check your instruction manual for this information, or remove the back cover and battery to find a label with this information.
• Your network/service provider. Tip: Your service provider’s information is frequently displayed on your phone’s screen or on your contract or monthly statement.
• The IMEI (International Mobile Equipment Identity) number is a unique identifier for mobile devices. Tip: Dial *#06# on your phone’s keypad to get this information shown on your phone’s screen.
• Click on your Ultimate Reward Current Account once you’ve enrolled into Online Banking.
• Then, under the ‘Account information and benefits menu,’ select ‘View account benefits.’
• Your policy information will be automatically loaded if you’ve already entered your mobile phone insurance data.
• If you want to file a claim, go to ‘View and update details’, then ‘Make a claim,’ and follow the onscreen instructions.

What is Halifax Reward net?

The Halifax Incentive account is now fee-free and offers a £2 monthly reward provided you deposit at least £750, pay out two or more direct debits, and keep your account in good standing. You have until June 12 to determine whether or not to opt-in if you opened your Rewards account after March 13th.

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Best Family Travel Insurance

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Table of Contents

Travel insurance company factors we considered

An overview of the best travel insurance for families, top options for travel insurance for a family, additional resources for family travel insurance shoppers.

Even the best-laid plans can sometimes go awry. This possibility doubles (or even triples) when traveling with a family, which can mean that purchasing family travel insurance may make sense for you.

This type of insurance will cover you and your loved ones if you miss your flight, your partner gets food poisoning, your children’s bags are lost and more. Here are the best family travel insurance plans and the factors we considered, and tips on choosing the best plan for you.

» Learn more: The best travel credit cards right now

We used the following criteria when choosing which travel insurance companies are best:

Cost . Cost can play a huge factor in choosing a travel insurance plan, especially when you’re traveling with multiple people. We compared costs for basic policies to choose the most affordable options. 

Types of coverage . There is a wide variety of coverage options for insurance , including medical coverage and trip protection benefits. We chose those with the widest range of inclusions. 

Coverage amounts . Many policies offer a variable level of coverage; more expensive policies can include higher policy limits, though this isn’t always the case. 

Customizability . Different travelers have different types of needs, which means that we focused on policies that offer customizability as part of their benefits. 

» Learn more: What does travel insurance cover?

To determine the best travel insurance for a family, we compared the price and benefits across multiple insurance companies for a sample trip taken by a family of three from New Hampshire — a 39-year-old father, 33-year-old mother and 3-year-old child. They are traveling to Germany during the winter and estimate a total trip cost of $12,000.

Overall, the average cost of a plan came out to $257.78, though one plan priced out far below the rest.

Here's a closer look at our top five recommendations for travel insurance for families.

Allianz Travel

What makes Allianz travel insurance great for families:

Family travel medical insurance that includes coverage for pre-existing conditions. 

Customizability includes rental car insurance and Cancel For Any Reason (CFAR) insurance. 

Provides up to $1,000 per person for lost baggage. 

Here’s a snippet from our Allianz Travel insurance review:

“OneTrip Prime provides all the benefits of the Basic plan but with higher limits, a few extra coverage areas and complimentary coverage for children 17 and under when traveling with a parent or grandparent.”

The complimentary coverage is useful, especially for families with multiple kids.

» Learn more: Trip cancellation insurance explained

World Nomads

What makes World Nomads great for families:

Lower-than-average cost. 

Includes adventure sports and activities.

Provides $25,000 non-medical emergency transportation. 

World Nomads is a great fit for particularly adventurous families, as its plans include coverage for over 200 activities. So if you're taking the kids skiing this winter or are planning to backpack the Colorado Trail next summer, this might be a good choice.

» Learn more: Does travel insurance cover award flights?

What makes AXA great for families:

Covers 100% of trip cost for interruption or cancellation for covered reasons. 

Provides $100 per person, per day for trip delay.

Includes $100 in coverage for airline reissue or cancellation fees. 

Having kids invites a lot of unpredictability for trip planning. Will your oldest bring home a virus from day care? Will your baby suddenly enter a difficult sleep regression that renders you exhausted? Having 100% coverage for trip cancellation can bring families peace of mind when putting big trip deposits down.

What makes IMG great for families:

Hundreds of dollars cheaper than the other options. 

$0 deductible for medical insurance. 

Up to $5,000 for trip interruption. 

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

What makes Tin Leg great:

Lower-than-average cost.

150% reimbursed for trip interruption. 

Customizability, including coverage for pre-existing conditions. 

We like Tin Leg for its affordability. You can pocket the saved cash for more ice cream stops on your trip.

Interested in learning more about travel insurance, including annual family travel insurance and methods to make travel insurance less expensive? Start here.

How to find the right travel insurance for you

How annual or multi-trip travel insurance works

Do you need travel insurance in 2023?

10 credit cards that provide travel insurance

If you’re traveling with family and would like to make sure they’re insured, you can choose to include them in your insurance plan. Most companies will allow you to select the number of travelers in your group when generating a quote.

The definition for immediate family is going to vary based on your insurance provider. Generally speaking, you can expect that your spouse, children, parents, grandparents, in-laws, aunts and uncles all count as immediate family.

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Why Travel Insurance is a Must

Do you have house or apartment insurance or car insurance, dental insurance or private medical insurance? Ask yourself “why?”

If it’s not because the banker requires that it be covered (car loan or mortgage), it is because you have decided that the risk of something bad happening is too great not to be covered.

I have owned cars for more than 40 years. During that time, I have had one claim — for a cracked windshield — yet I have paid, I estimate, about $30,000 in premiums. House insurance, likewise:   no claims and about $25,000 in premiums. Why do I continue to pay these premiums?

Because I get peace of mind.

That is what insurance is all about for most people. I know that if I have a serious problem, I am covered and that helps me to sleep better.

The same is true for travel insurance. Will one get a return on “investment”? Probably not, and truth be told, the traveler probably doesn’t WANT a return — it means sickness during travel or an accident or missed connection or vacation ruined in some other way. But isn’t it reassuring that one has this protection in case it is needed?

Travelers often have concerns and questions about paying extra for travel insurance. After all, they have just spent a lot of time trying to ensure they get the lowest price for the trip they are taking. They often ask “why add to that cost”?

There are some options to purchasing separate coverage for travel insurance.

Some credit cards offer insurance. But who does it cover and what are the limitations?

Some work places have travel insurance for the travel done by their employees. Again, what coverage does it offer?

Be sure to find out the right answers. Call the credit card company, who will probably give their insurance company’s phone number. Get all responses in writing (very difficult to prove a phone conversation) and be sure to understand the limitations.

Be sure to ask if the coverage is Primary or Secondary. Secondary usually means that one pays up front for services and gets reimbursed upon filling out a form when back home. That’s OK if costs are up to $1000 to have a broken arm set in the Caribbean but NOT OK if one is hospitalized with a heart attack, especially in the United States, where the disbursement of a single pill in a hospital can cost $100 and treatment for a heart attack can cost several hundred thousand dollars!

Same thing for work travel insurance: be sure to understand the coverage. Most work travel insurance coverage has significant limitations. Away in a foreign country and experiencing a problem is not the place to discover that one’s insurance is insufficient.

There are various options available through private companies that offer coverage for trip cancellation alone to full — or Deluxe — packages that have a range of features, including of course, full medical, but also offering flight and accident insurance, baggage loss and delay, just to mention a few. Be sure to talk with a travel agent to get the proper coverage needed: one may have medical coverage already but can opt to purchase trip Interruption and Cancellation separately to top up coverage. Note that separating travel insurance into its individual component parts often results in a higher cost per section. Full coverage packages tend to be more economical.

And travel agents can advise of the proper procedure to initiate a claim.

At-destination-car-insurance is another concern — personally I have found it to be better to look at CDW (Collision Damage Waiver) coverage under my credit card and then either pay the liability insurance at the rental counter or ensure that my present car insurance policy is “transportable” — in other words, my provincial car insurance covers me while I am away. However, keep in mind that, in this case, any accident while away can affect one’s driving record in your own province AND can cause significant time loss to your vacation while the matter is settled. Be sure to discuss this with a travel agent and your present car insurance agent.

Another factor to consider is that in the event of an accident, insurance purchased at the car rental desk allows the traveler to drop the keys off (assuming there is no criminal liability) and be done with it, whereas your personal car insurance from home may require you to lose as much as a day — or more — of your travel time to sort things out.

Finally, keep in mind that though the decision to purchase travel insurance is the individual’s to make, this decision can affect others close to you. If, for example, hospitalization is needed in the US and incurs a bill of $200,000, who is going to pay that bill? Are family members going to have to come up with the money to help out?  Sometimes the risk the traveler is prepared to take can have far-reaching consequences for loved ones back home!

When the travel agent offers to discuss travel insurance, take the time to listen. Make an informed decision, not one based on adding $120 – $150—usually less than 10% of the cost of your trip – to the cost of a bargain basement trip, which has just been negotiated

Travel Insurance - Are You at a Risk?

Most of us travel, whether it be for business or for vacation.

While some prefer to take their chances regarding travel insurance, many people, with a variety of credit cards available, think that the travel insurance that is included with a credit card will cover all their insurance needs while away.  They might be surprised to find that they are not….

It is very difficult for anyone to do an in-depth comparison of coverage among the different credit cards, considering that even one bank might offer several categories of credit card, with different insurance coverages for each, and options for coverage constantly changing.

You may recall some time ago, when a volcano erupted in Iceland, it interrupted flights across the Atlantic for weeks. Many travelers made the very costly misinterpretation that they were covered by their credit card insurance, but they were not. How do you find out if you are covered for what you think you are covered?

Some points to discuss with your credit card company (I suggest getting responses in writing)…

1.  Your tour operator cancels your trip. In most cases, the tour operator will refund you your money, but what about airfare and other related expenses? 2.  Acts of war or local protests. Terrorism may be covered by your policy but acts of war or civil unrest are often excluded. 3.  Pre-existing medical conditions. This applies not only to yourself and traveling companion, but also any close relative, for example. If a medical condition exists prior to travel, you may not be covered. 4.  Baggage delay. Check to see what the delay of time requirement is. If it is 24 hours or longer, and you arrived at 6:00 PM the night before your cruise which departs at 4:00 PM the next day, you may not be covered. 5.  Illness or death of a pet. Pets are increasingly being considered as members of the family. Does your insurance cover for the cancellation of a trip if your pet is very sick or dies? 6.  Loss or damage to keys, money, documents, tickets or credit cards. These are often excluded under insurance policies. 7.  Sports injuries: many hard adventure sports are excluded from coverage — bungee jumping, paragliding, mountain climbing or white water rafting are likely to be excluded. 8.  Pregnancy and childbirth. When vacations are often booked a year or more in advance, a pregnancy can create major problems for a planned vacation. Be sure you understand the tour operators’ rules for travel while pregnant because that is usually not covered under travel insurance. 9.  Self-inflicted injury or psychological illness. Coverage for these problems is often excluded. 10. Divorce. If one of you files for divorce from the other, that is usually excluded from coverage. 11. If you do not leave an appropriate amount of time between connections, a weather delay that breaks the connection may not be covered.

Check with your travel agent to see if the insurance that is offered covers these situations – often, booking through a travel agent who represents a full-fledged travel insurance company, you may find that coverage is available.

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The three best bank accounts with travel insurance bolted on: We pick our favourites and whether they're worth paying for

• Some bank accounts include annual worldwide travel insurance
• They often also include car breakdown cover and mobile phone insurance 
• Although there is a monthly cost, having such an account may make sense

By Ed Magnus For Thisismoney.co.uk

Updated: 03:28 EDT, 9 August 2022

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Many Britons will feel a bank account isn't something they're prepared to pay for - after all, most current accounts are 'free'.

However, some packaged bank accounts offer a host of benefits that added together could justify their monthly cost.

The typical perks include free annual worldwide travel insurance, car breakdown cover and mobile phone insurance, often with family members included. 

There is also the convenience factor of having three insurance policies taken care of saving both time and effort in having to organise it separately. 

Some bank accounts charge a monthly fee, but throw in perks such as annual worldwide travel insurance.

Michelle Stevens, banking expert at comparison site Finder, says: 'If you and your family are frequent travellers, then a current account with packaged travel insurance could be well worth the monthly fee, especially given the rising cost of travel insurance premiums in the last two years. 

'But before signing up to any premium current account, it’s important you check that the terms of the travel insurance policy - as well as the other account features and perks - suit your needs.' 

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She adds: 'Another benefit of getting free travel insurance with a current account is that a lot of people usually forgo it - up to 8.6million in 2019 - which is not an advisable move. 

'If you get seriously injured abroad then the bill can reach hundreds of thousands of pounds, so having travel insurance included with a current account may result in a lot of people getting covered who may not have done so otherwise.'

We pick our three favourite current account deals for travel insurance, taking into account the monthly cost and the additional perks on offer.

1.  Nationwide Flex Plus  

This account offers worldwide travel insurance as well as mobile phone and European breakdown cover.

It does come with a £13 monthly charge, which, compared to other packaged bank accounts looks relatively cheap.

Its worldwide family travel insurance, includes winter sports, golf, weddings and business cover.

Nationwide offers worldwide travel, mobile phone and European breakdown cover and charges £13 a month for maintaining the account.

Cover for travel essentials includes luggage, documents and cash as well as protecting against travel-specific problems like delays, cancellations and medical expenses.

Then cancellation cover is up to £5,000, the medical expenses cover up to £10 million, whilst cover for travel disruption will be eligible when caused by natural disasters, or airline or travel end supplier failure.

The policy doesn't cover medical conditions unless they have been declared to Nationwide and accepted. In some instances, you can pay for a medical upgrade to your insurance policy.

Two other clauses to be aware of is that the longest trip length allowed is 31 consecutive days. 

For any person to be insured who is aged 70 or over, they must buy an age upgrade to cover them.

Although the monthly cost will add up to £156 a year, it's possible to offset much of this during the the first year, thanks to Nationwide's current account switching incentive.

Non-Nationwide members can currently get £100 for switching, whilst members who switch to the Flex Plus account could get £125.  

Saves the extra admin: Nationwide's annual travel insurance policy is worldwide, and covers a whole family for multiple trips, not just the individual account holder.

On top of travel insurance, account holders get vehicle breakdown cover both in the UK and the rest of Europe and mobile phone insurance for the whole family.

The car insurance is valid whether someone is a driver or a passenger in a vehicle, and comes with no excess to pay and unlimited callouts.

The mobile insurance covers mobiles belonging to the account holder and those belonging to their partner and dependent children. It covers for loss, theft, damage and faults.

2.  Virgin Money's Club M Account

Virgin's Club M Account comes with a £14.50 monthly charge.

Similar to Nationwide, it offers 31 days' worldwide cover per trip. It will cover the account holder and a partner living with them if there're both under 75, so it's a little more generous on that front.

Virgin's worldwide family multi-trip travel insurance - includes winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

There's also cover for up to four dependents under 18 - either in full time education or living with the account holder.

Emergency medical treatment, includes falling ill with coronavirus while away, and cover for the journey home, if it's medically necessary.

It also covers lost, damaged or stolen items, and if the baggage is delayed, any essentials will be paid for in the interim period. It also includes cover for delays or missed departures and winter sports as standard.

Account holders are also covered when cancelling or cutting short a trip if they fall ill with coronavirus as long as they didn't know they had it and weren't being tested for it when they booked their trip. 

The cover includes emergency medical, surgical, hospital, treatment and ambulance costs, as well as any additional accommodation and travel expenses if someone cannot return to the United Kingdom.

There is a maximum allowance of 31 days of worldwide cover per trip.

It covers the account holder and their partner living with them if they're both under 75. There's also cover for up to four dependents under 18. 

A claim will be void if it relates to any medical treatment received because of a medical condition or an illness related to a medical condition which a person knew about at the time of opening the account. 

What else? 

On top of the travel insurance it also offers UK breakdown cover with no call out charges, whether as the driver or the passenger and offers help at the roadside and at home.

It also offers worldwide mobile phone and gadget insurance covering against loss theft, damage, and breakdown

Just make sure you've declared any pre-existing medical conditions and don't leave your valuables unattended to be fully covered.

Its Worldwide family multi-trip travel insurance - including winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

Virgin current account holders also benefit from various other perks.

It offers access to an easy-access linked savings account paying 1.71 per cent on balances up to £25,000. C ustomers can also benefit from 2.02 per cent on balances up to £1,000 in their bank account.

New customers switching to the Virgin Money Club M Account can also receive a bonus of 20,000 Virgin Points to spend with Virgin Red, thanks to Virgin Money's latest current account switching offer.

Virgin Red is a rewards club that turns everyday spending into points. Once you are a member, you can earn and spend Virgin Points across almost 200 different rewards.

The 20,000 Virgin Points boost means travellers could get a return flight to Barbados, the Bahamas or St Lucia, while bakery enthusiasts could turn their points into 100 sausage or vegan sausage rolls, 61 coffees or teas or 100 doughnuts or muffins.

3.  Halifax Ultimate Reward Current Account  

Halifax Ultimate Reward current account costs £17 per month, the equivalent of £204 per year. However, there are ways to dramatically reduce this via its cashback and switching offers.

The account includes a family travel insurance policy for the account holder, their spouse or partner and children aged 18 or under, or up to 24 if they're in full time education. 

It includes cover for personal belongings, certain sports and activities such as winter sports golf trips.

At £17 a month Halifax is the most expensive of our three top picks. However, its £150 cash incentive and £5 monthly cashback could help account holders to significantly reduce the cost.

Its cover includes, up to £10million for hospital fees, repatriation, medical confinement, funeral and dental costs incurred if taken ill or injured on your trip. 

Up to £5,000 in total for loss of pre-paid travel and accommodation expenses in the case of cancellation or curtailment. 

It covers personal baggage up to £2,500 if it is lost, damaged or stolen. This includes up to £500 for valuables, and up to £500 for a single item or pair or set of items.

It also covers personal money up to £750 for loss, or theft. This includes up to £300 cover for cash. This is limited to £50 for under 16s.

Watch out: 

Existing medical conditions are not covered, unless these are agreed with the insurer first, and an additional premium may be payable.

The longest trip length is 31 consecutive days. For winter sports, a maximum of 31 days cover in a calendar year.

Halifax's travel insurance covers personal Baggage up to £2,500 if it is lost, damaged or stolen.

It's also worth noting that a £75 excess per adult per incident may apply and to be covered trips must start and end in the UK.

All cover ends when the account holder turns 71. As long as the account holder is less than 71, their spouse or partner will also be covered until they reach 71. 

Eligible children can also be covered so long as they are travelling with the spouse, partner or civil partner of the policyholder. 

What else: 

It also offers car breakdown cover with the AA. This covers any vehicle the account holder is travelling in, at the roadside or at home. But only in the UK. 

For mobile insurance, it covers breakdown, accidental damage, loss and theft up to £2,000. 

However, it only Covers one phone per account holder or two in the case of a joint account. An excess of £100 is payable on all successful claims.

The £17 fee makes it a little more expensive than a few others but there are ways to reduce the cost.

Halifax is currently offering a £150 switching incentive for those who switch from another current account.

On top of the £150 bribe there are other perks to take advantage of. There is a choice of £5 a month paid into the account, two film rentals or three magazine rentals, or a free cinema ticket each month.

In order to benefit from this account holders must choose to either Spend £500 on their debit card each month or Keep at least £5,000 in the account at all times.

They must also pay in £1,500 or more into your account each month and stay in credit - keeping your balance at £0 or above.

THIS IS MONEY'S FIVE OF THE BEST CURRENT ACCOUNTS

Chase Bank will pay £1% cashback on spending for the first 12 months . Customers also get access to an easy-access linked savings account paying 3.8% on balances up to £250,000. The account is completely free to set up and is entirely app based. Also no charges when using the card abroad.

Nationwide's FlexDirect Account offers 5% in-credit interest to new joiners when they switch on balances up to £1,500. This rate only lasts for one year. The account is fee free.

Halifax Reward Account pays £150 when you switch. Also earn up to an extra £75 cashback when you spend £750 each month for 3 months. There is a £3 monthly account fee, but that’s stopped by paying in at least £1,500 each month.

First Direct will give newcomers £175 when they switch their account . It also offers a £250 interest-free overdraft. Customers must pay in at least £1,000 within three months of opening the account.

NatWest's Select Account account pays £200 when you switch. The account has no monthly charges, but to be elligible for the £200, you'll need to deposit £1,250 into the account and log into mobile banking app within 60 days.

Share or comment on this article: Best bank accounts with travel insurance included

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June 1, 2020

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Travel Insurance for Family Trips: When You’re Paying, What’s Covered?

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The 5 Best Family Travel Insurance Plans

Travelex Insurance Services »

Allianz Travel Insurance »

Seven Corners »

World Nomads Travel Insurance »

AIG Travel Guard »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Family Travel Insurance Plans.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance
• Seven Corners

The best travel insurance plans can provide you with considerable peace of mind, but the real value comes into play when you wind up using your coverage. Hassles like flight delays, lost luggage and unexpected injuries can be stressful and traumatic, yet travel insurance can reimburse you for the financial costs associated with these mishaps.

If you are planning to travel with your entire family in tow, you already know that the stakes are higher and the potential for losses even greater. For example, you'll want to make sure children traveling with you have travel medical insurance as well as coverage for trip cancellations and interruptions.

You'll need to compare the best family travel insurance plans of 2023 if you want to find the right one for you and ensure each of your dependents is covered by your policy. U.S. News has compiled this guide to the best of the best when it comes to companies offering family travel insurance, since these top picks make it easy and affordable to add children to your plan.

• World Nomads Travel Insurance
• AIG Travel Guard

Travel Select plan offers complimentary coverage for children 17 and younger

Primary coverage with no deductibles

Travel Select only includes up to $50,000 in protection for emergency medical expenses (optional upgrade available)

Meager policy limits ($200) for delayed baggage and sporting equipment

• Trip cancellation protection worth up to 100% of prepaid travel expenses (up to $50,000)
• Trip interruption coverage worth up to 150% (up to $75,000)
• Up to $2,000 ($250 per day) in coverage for trip delays
• $750 for missed connections
• $50,000 for emergency medical and dental expenses
• $500,000 in coverage for emergency medical evacuation and repatriation of remains
• $1,000 in insurance for baggage and personal effects

SEE FULL REVIEW »

Single-trip travel insurance plans include free coverage for children ages 17 and younger

Allianz offers annual travel insurance plans for families

Not all plans cover kids for free

Get coverage for up to 10 people in a single policy

Generous policy limits for emergency medical expenses and evacuation

Kids aren't covered for free

Emergency dental coverage is capped at $750

• Trip cancellation coverage worth up to 100% of prepaid trip costs
• Trip interruption coverage up to 150%
• Trip delay coverage up to $2,000 ($250 per day)
• Up to $1,500 in protection for missed tours or cruise connections ($250 per day)
• Up to $500,000 in coverage for emergency medical expenses
• Up to $1 million in protection for emergency evacuation

Includes coverage for up to seven children on a single policy

Provides coverage for more than 200 adventure activities and sports

No free travel coverage for kids with paid adults

No option to customize coverage with CFAR protection

• Up to $100,000 in emergency medical insurance
• $500,000 in coverage for emergency medical evacuation
• $3,000 in insurance for lost baggage and belongings
• $10,000 in insurance for trip cancellation

Free coverage for one child 17 or younger with each paying adult relative on the plan

Choose from three tiers of travel protection based on your needs

Travel medical expense coverage is low ($15,000) with Essential plan

Essential plan also has low limits for baggage delays ($200) and lost or stolen luggage ($750)

• Up to 100% in coverage for trip cancellation
• 150% in coverage for trip interruption
• $1,000 in baggage insurance
• $300 in protection for baggage delays
• $50,000 in insurance for emergency medical expenses
• $500,000 in protection for medical evacuation

Family Travel Insurance: Coverages You'll Need

As you compare the best travel insurance plans for families, you might be wondering which types of coverage are most important. Ultimately, that depends on the cost of your trip, where you're traveling and the travel issues you worry about the most.

Frequent traveler Linda L. Adkins of Spokane, Washington, says she purchases travel insurance for every trip since her U.S.-based health insurance policy doesn't apply when her family travels overseas. She worries not only about emergency medical expenses that could come into play, but also about the high costs of medical evacuation if a family member needs to be transported a long distance or even back to the U.S.

Adkins has also endured scenarios where her luggage was temporarily lost by an airline while traveling internationally, and she says her delayed baggage benefit was useful when it came to purchasing clothing and toiletries. "I spent almost $100 per day for three days in a row while we waited for our bags," she says.

Adkins saved her receipts and received reimbursement through her travel insurance provider's baggage delay benefit.

U.S. News recommends having the following types of coverage (at a minimum) in place for every trip with kids:

• $50,000-plus in primary insurance per traveler for emergency medical expenses
• Coverage for COVID-19
• $100,000-plus in coverage for emergency medical evacuation
• Adequate protection for trip delays and lost or delayed baggage

Frequently Asked Questions

Credit card travel insurance can provide coverage for families, although the types and amounts of protection you receive can be limited. As an example, the Chase Sapphire Reserve credit card comes with trip cancellation coverage for up to $10,000 per person and up to $20,000 per covered trip, as well as lost luggage reimbursement worth up to $3,000 per passenger if the cardholder or an immediate family member has their luggage lost by a common carrier.

Fine print with the card also states that trip delay coverage can apply if common carrier travel gets delayed by more than six hours or requires an overnight stay, and that both the cardholder and their family members can be reimbursed up to $500 per ticket for incidental travel expenses including meals and lodging.

For credit card travel insurance to apply, the cardholder needs to pay for common carrier travel for all of their family members with the credit card in question. In other words, simply carrying a travel credit card with travel insurance benefits won't be enough.

Travel insurance plans are built to cover every person listed on the application for coverage. This means you can apply for travel insurance as an individual or as a family who wants all members covered under a single plan.

That said, some travel insurance plans are superior for families since they offer free coverage for dependents. Others offer comprehensive travel insurance policies that provide broad coverage for groups up to 10 people.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

You might also be interested in:

The Best Travel Medical Insurance of 2024

Holly Johnson

Explore protection options for unexpected health issues abroad.

Flight Insurance: The 4 Best Options for 2023

Protect your flight (and peace of mind) with the top coverage plans.

Cruise Insurance: Why You Need It + 4 Best Options for 2024

Protect your cruise journey from start to finish (and ports along the way).

The 5 Best International Travel Insurance Companies for 2024

Find the best international travel insurance coverage for all your trips abroad.

The Essential Guide to Family Travel Insurance

The essential guide to family travel insurance .

Packing your bags, booking flights, and charting a course for adventure - the anticipation of new experiences fills family travels with excitement. Without a doubt, these trips will turn into cherished stories for years to come. 

But Murphy's Law reminds us that anything that can go wrong will. Flight delays, lost luggage, sudden injuries—these are just a few curveballs that travel can throw your way. Family travel insurance can help protect your finances and ensure your family's well-being so you can focus on making the most of your precious time together. 

Why Do You Need Family Travel Insurance? 

Family travel is an incredible way to build relationships, explore new places, and create lasting memories. But we all know family travel also comes with its own set of hurdles. Here's a look at some of the unexpected hiccups that can arise on a family trip and how travel insurance can help you navigate them smoothly. 

Imagine booking the ultimate European adventure for your family - exploring the ancient ruins of Rome, indulging in gelato in Florence, and gondola rides in Venice. But a week before departure, your 8-year-old comes down with a nasty ear infection, and the pediatrician advises against flying. Travel insurance with trip cancellation coverage could reimburse you for your non-refundable flights and pre-paid accommodation. This will help ease the economic burden of a missed vacation while allowing you to rebook when everyone's healthy. 

Or imagine… while exploring a bustling market in Marrakech, your family's luggage is stolen. But you have an ‘international travel insurance for family’ with ‘baggage loss’ coverage. Now, it will help replace essential clothes, toiletries, and medications, ensuring your trip is not derailed by that missing suitcase. 

Family travel insurance offers coverage against various disruptions, including trip cancellations, medical emergencies, and even flight delays. Be sure to choose a plan that provides the right coverage for each member of your travel crew.  

How AXA Travel Protection Supports Your Family Trip 

By understanding the different coverages offered by family travel insurance, you can choose a plan that best suits your family's needs and budget. 

Medical Emergencies 

When traveling with young children or aging parents, travel insurance with emergency medical coverage is essential. If your loved one has an accident or gets sick on your family trip, the last thing you want is to get stuck with a hefty medical bill in a foreign country 

AXA’s Travel Protection Plans include the following benefits for your family: 

• Medical expenses: AXA Travel Protection can reimburse you for eligible medical expenses incurred during your family trip up to your plan's maximum benefit. This may include expenses for doctor visits, hospital stays, medical tests, ambulance transportation, medications, and even emergency dental care for accidental injuries. 
• Emergency Medical Evacuation: Offers benefits for hospital-to-hospital transport in the destination country, returning home for further treatment, or both if necessary.  
• Pre-existing medical condition waiver : If someone in your family has had medical treatment within the 60 days prior to purchasing the travel policy, you will want to purchase your family travel insurance as soon as possible to be eligible for a pre-existing conditions waiver, available on some of AXA’s plans. 

GET YOUR FREE QUOTE  

Trip Cancellation, Interruption, or Delays 

You never know when you might have an allergic reaction that could make travel difficult. Or severe weather at your destination could force closures. Or an urgent work situation back home might require you to return sooner than planned. With more travelers, the chances of someone facing a pre-trip issue can further increase. 

If you or a family member needs to cancel or shorten the trip due to a covered reason, you can recoup some of your non-refundable expenses, which may include flights, hotels, tours, and cruises you have already paid for.  

Additionally, if a trip gets delayed due to factors outside your control, AXA Travel Protection provides benefits for extra expenses like meals and accommodation while you wait to get back on track. 

Baggage and Personal Belongings 

You disembark from your flight, ready to explore your destination, but your suitcase is missing from the baggage claim. Frustrating, right?  

This could happen to anyone, but the good news is that AXA Travel Protection Plans provides two types of coverage related to baggage.  

• Baggage and Personal Effects Coverage: It typically reimburses you for your lost, stolen, or damaged luggage and personal items like clothes, toiletries, camera equipment, and jewelry. Baggage lost or stolen coverage typically applies to the privately owned items you bring for the trip. 
• Baggage Delay Coverage: Baggage delay coverage can be a lifesaver if your checked luggage gets stuck on its own journey. It can reimburse you for essential items like clothes and toiletries you need to buy while your luggage is delayed. Remember to report the delay to the airline and keep your receipts for reimbursement. 

Emergency Assistance Services 

Worries about lost passports, flight cancellations, or unexpected emergencies can easily disrupt your family trip. But you can travel with confidence, knowing AXA has your back. 

AXA's team of licensed travel insurance agents is available 24/7 to help ensure that your trip runs smoothly. With their extensive reach, you can relax knowing help is just a phone call away. 

Cancel for Any Reason (CFAR) 

Cancel For Any Reason (CFAR) is an optional travel insurance benefit available with AXA’s Platinum Protection Plan. It can be beneficial for a family trip, especially if you are worried about your family having to cancel the trip for a non-medical reason 

CFAR lets you cancel your trip for any reason at all, even if it would not normally be covered by your travel insurance. If you purchase this coverage, you can receive up to 75% of your prepaid, non-refundable, vacation expenses on cancelling your trip.  

Get the Best Travel Insurance for Family 

Deciding on family travel insurance requires a close look at the policy details. This means understanding the terms, coverage limits, exclusions, and any optional extras available.  

For instance, AXA offers tiered travel protection plans ( Silver , Gold , and Platinum ) catering to various needs. While all plans offer value, our Platinum Protection Plan stands out for families due to its high coverage limits and zero deductibles and extra benefits. 

Platinum protection covers medical emergencies, evacuation and repatriation, lost luggage, and even optional add-ons like trip cancellation for any reason (CFAR), or protection for lost golf games or ski days.  

FAQs About Family Travel Insurance 

Q: Are there any age limits for purchasing travel insurance for family?   A. Some policies and providers may have age restrictions, but AXA's travel protection extends coverage to all ages up to 99 years old. 

Q: How much does family travel insurance cost?   A: The cost varies based on the destination, length of trip, number of travelers, and coverage levels. 

Q: Should I buy family travel insurance for a domestic trip?  A: Absolutely. Even when traveling within your country, unexpected events like cancellations, medical emergencies, or natural disasters can occur. Compare the policy and coverage options before choosing the right travel insurance for your family. 

Conclusion 

Embarking on a family vacation should be about making cherished memories, not worrying about potential pitfalls. With the right domestic or international ‘travel insurance for family,’ you can be at ease knowing your journey is protected every step of the way. 

Request a travel insurance quote now to find the travel insurance plan that works best for your family. Once you get yourselves covered, pack your bags and embark on your next family adventure with confidence. 

Disclaimer: AXA Assistance cannot guarantee the availability of assistance services everywhere or under all conditions, as there may be times when circumstances beyond AXA’s control hinder its endeavors to provide services. 

The insurance benefits in the Silver, Gold and Platinum plans are underwritten by Nationwide Mutual Insurance Company and affiliated companies, including Nationwide Life Insurance Company, Columbus, Ohio. Benefits are administered by AXA Assistance USA, Inc. (in California, doing business as AXA Assistance Insurance Services, License Number 0H74893). Non-insurance assistance services are provided by AXA Assistance USA, Inc. and are not underwritten by Nationwide Mutual Insurance Company.   

References: 

(January, 2024). 2023 by the Numbers: More Flights, Fewer Cancellations, More Consumer Protections. U.S. Department of Transportation. https://www.transportation.gov/briefing-room/2023-numbers-more-flights-fewer-cancellations-more-consumer-protections 

AXA already looks after millions of people around the world

With our travel insurance we can take great care of you too

Get AXA Travel Insurance and travel worry free!

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Speak with one of our licensed representatives or our 24/7 multilingual insurance advisors to find the coverage you need for your next trip.

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Packaged Bank Account Travel Insurance

Have peace of mind when you're on holiday with travel insurance that covers you.

About Travel Insurance as part of Packaged Bank Accounts

Travel Insurance, administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA, is just one of the insurance benefits that come with our Packaged Bank Accounts . Our Silver & Platinum Accounts are packed with benefits including Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Travel Insurance is also a benefit on the Premier , and  Gold  accounts however these are no longer available to new customers.

If you’re a Platinum, Premier, Gold or Silver account customer, please read our FAQs (PDF, 145KB) for more information about the travel insurance which comes with your account and COVID-19. You can also visit our payment disputes page , for help if your travel has been disrupted.

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Eligibility for each account

I have a silver account expandable section.

If you have a Silver Account the account comes with European Travel Insurance for you and your family (if eligible) including Winter Sports. This insurance policy is administered by AWP Assitance UK Ltd (trading as Allianz Assitance) and underwritten by AWP P&C SA.

Am I eligible for cover?

• All cover under the policy stops on the account holders 65th birthday - as long as the account holder is under 65, their spouse, civil partner or partner will be covered until they reach 65 years of age.
• Children must be 18 or under, or 24 or under if they're in full time education and must travel with the account holder, their spouse, partner, civil partner or a responsible adult. There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination.
• Subject to continued eligibility, you and your family are covered for travel within Europe as long as your Silver account is open.
• Keep in mind the cover is provided only if you will be living in the United Kingdom for at least six months during each 12 month period where all trips must start and end.

Medical conditions that you or your family have (or have had), which are not all on the ‘No Screen Conditions’ list in your policy document are not covered by this policy. To see if these can be covered you must call the insurer declaring all medical conditions, including those on the list and an extra cost may apply.  Before you book a trip you also need to let the insurer know of any new conditions or changes to existing ones. Please refer to the Silver welcome pack (PDF, 1.7MB) for full details of any exclusions.

You can log your claim online using the Allianz Assistance Hub that can be securely accessed through our Mobile Banking app or Internet Banking. If you don’t bank online, you can also call us . 

I have a Gold, Platinum or Premier Account expandable section

If you have a Gold, Platinum or Premier Account,  the account comes with Worldwide Travel Insurance for you and your family (if eligible) including Winter Sports. This insurance policy is administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

• All cover under the policy stops on the account holders 80th birthday - as long as the account holder is under 80, their spouse, civil partner or partner will be covered until they reach 80 years of age.
• Subject to continued eligibility, you and your family are covered for worldwide travel as long as your Lloyds Bank Gold, Platinum or Premier account is open.
• Keep in mind there is only cover for losses suffered whilst you are a UK, Channel Islands or Isle of Man resident and are registered with a Doctor in the UK where all trips must start and end.

Medical conditions that you or your family have (or have had), which are not all on the ‘No Screen Conditions’ list in your policy document are not covered by this policy. To see if these can be covered you must call the insurer declaring all medical conditions, including those on the list and an extra cost may apply. Before you book a trip you also need to let the insurer know of any new conditions or changes to existing ones. Please refer to the relevant policy document for full details of any exclusions.

Once your account has been opened, should you wish to notify the insurer of any medical condition please call us .

What does my insurance come with?

• Multi-trip  European  travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
• Includes golf cover and cover for certain sports and leisure activities
• Covers UK leisure travel when two or more nights' accommodation is pre-booked (five nights for business trips)
• There's cover for you or someone covered under the policy if a booked trip needs to be cancelled because either you or they, or a companion you are travelling with is asked to quarantine on an individual basis because of exposure to a contagious disease
• Emergency medical cover (up to £10,000,000)
• Cancellation or curtailment cover (up to £5,000)
• Personal accident cover (up to £30,000)
• Baggage cover (up to £2,500, £500 of which for valuables)
• Travel disruption cover (up to £5,000)

Important note :

• The standard maximum trip duration is 31 consecutive days
• For Winter Sports maximum 31 days cover in any calendar year
• £75 excess per adult per incident may apply
• Other exclusions apply, see policy documents

Gold, Platinum and Premier Accounts

• Multi-trip  Worldwide  travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
• The standard maximum trip duration is 31 consecutive days - unless you are a Premier account holder, which is 62 consecutive days
• Gold and Premier accounts unavailable to new customers

Policy documents expandable section

• Silver Account Welcome Pack opens in a new window (pdf, 2.5 MB)
• Gold Account Welcome Pack opens in a new window (pdf, 1.3 MB)
• Platinum Account Welcome Pack opens in a new window (pdf, 3.1 MB)
• Premier Account Welcome Pack opens in a new window (pdf, 1.4 MB)

Packaged Bank Account benefits

Explore the other benefits of a Packaged Bank Account. Our Silver & Platinum Accounts include Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

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Halifax Travel Insurance

Halifax travel insurance can provide you an annual multi-trip travel insurance policy, single trip cover for individuals, groups or families..

So whether it’s a holiday with the family and friends or a business trip you can rest assure that you will be fully cover with the Halifax for all your travel needs. Apply online for a quick quote for travel and holiday insurance.

Halifax Overview

Sites you might find of interest:

Healthcare Abroad When you're going on holiday or traveling aboard? make sure you take your free European Health Insurance Card (EHIC). Get yours here!

Travel Insurance Lots of advice concerning health, medical, personal liability, cancellations, accidents and your possessions.

Halifax Travel Insurance contact details: Address: Customers must use their branch finder service to find their branch closest to where they live. Phone Number: 08457 24 34 44 Web Site: www.halifax.co.uk

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Halifax   Travel Guide

Courtesy of Veronica Bogaerts | Getty Images

Why Go To Halifax

The capital of Nova Scotia is any historian's dream: This harbor town has been a British stronghold and a pirate haven. The city was also the starting point for more than a million immigrants' new lives and the final resting place for hundreds who died at sea after the "unsinkable" Titanic went down in the icy Atlantic. And with so many of Halifax's  top attractions  devoted to the preservation of its rich history, you might think that this city is stuck in the past. But you'd be wrong.

Halifax has emerged as the commercial capital of Canada's Maritime Provinces thanks to its natural harbor. This status has helped Halifax come into its own as a cultural hub as well. For visitors, that means an abundance of festivals, art galleries and live performances. This is also a great place to kick off an outdoorsy getaway – Halifax is home to several notable public parks and is an easy drive from some small ski areas. And did we mention the seafood? Salmon and lobster are staple ingredients in Nova Scotian cuisine and can be savored alongside stunning views of the harbor at many downtown restaurants. So, whether you're looking to sample the past or the present, Halifax provides an ideal backdrop.

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• # 13 in Best Family Vacations in Canada

Best of Halifax

Best hotels in halifax.

• # 1 in The Sutton Place Hotel Halifax
• # 2 in The Prince George Hotel
• # 3 in The Westin Nova Scotian

Best Things to Do in Halifax

• # 1 in Halifax Citadel National Historic Site
• # 2 in Halifax Public Gardens
• # 3 in Halifax Seaport Farmers Market

Popular Tours

Halifax Harbour Hopper Tour

(889 reviews)

from $ 54.77

Peggy’s Cove & Halifax Historic Tour

(109 reviews)

from $ 119.70

Peggy's Cove Express Small Group from Halifax

(478 reviews)

from $ 82.06

Halifax Travel Tips

Best months to visit.

The best time to visit Halifax is May through October. Summer and fall experience pleasant weather and usher in numerous festivals. However, these months also attract lots of tourists, so be prepared for steep hotel rates. If you're looking to avoid the crowds and the high prices, visit between November and February. Sure, you'll encounter icy winds (easily braved with warm layers), but you'll be granted access to Nova Scotia's ski slopes. March and April also see fewer visitors and lower prices, but the springtime rain can make sightseeing a muddy pursuit.

Weather in Halifax

Data sourced from the National Climatic Data Center

What You Need to Know

Weather is fickle Prepare yourself for the unpredictable climate by wearing layers and carrying an umbrella.

Prepare for winter closures Although many of Halifax's businesses stay open year-round, some of the smaller hotels and restaurants in the area close for the slow season. It's a good idea to call ahead.

Seafood is a staple Because of its seaside location, Halifax is prime seafood territory. No trip is complete without some lobster tail or Atlantic salmon.

How to Save Money in Halifax

Brave the winter  Chilly sea breezes drive away tourists, so you can expect to see room rates dip from November to February. Plus, you can spend your savings on lift tickets at one of Nova Scotia's ski areas.

Rent your wheels downtown  If you're planning to rent a car, wait until you get into town. Rental fees at the airport are significantly higher than those found in Halifax proper. Hop on the Maritime bus to get downtown instead.

Take a free tour Halifax Free Tours offers tip-what-you-want tours in the summer (and by arrangement other seasons). Head to the Citadel at 10 a.m. or 3 p.m. for the 1 1/2-hour tour.

Culture & Customs

Though many aspects of Canadian culture may seem familiar to Americans, two key differences are the country's use of the Canadian dollar and the international metric system. One U.S. dollar equals about CA$1.40, but the exchange rate often fluctuates, so  be sure to check it  before your trip. For temperatures and weights, remember that metric units (Celsius and grams) are used. You'll also want to familiarize yourself with kilometers and liters if you plan on renting a car, since distance is measured in kilometers (1 kilometer equals around 0.6 miles) and gas is sold by the liter (1 liter equals about 0.3 gallons).

What to Eat

Seafood, seafood, seafood. If you love the bounty of the sea, Halifax is heaven. Lobster, salmon, scallops and other fish can be found on menus everywhere, prepared in every way imaginable, from traditional seafood chowder to lobster tacos. The donair, a pita stuffed with shaved-and-spiced beef, topped with a sweet sauce made from condensed milk, is a local favorite. A popular spot to sample local fare is at the Seaport Farmers Market , one of the oldest farmers markets in North America. And if you want your meal with a side of great views, head to the waterfront for tons of cafe, bar and restaurant options. 

Getting Around Halifax

The best ways to get around Halifax are on foot or by bus. Despite its hilly terrain, central Halifax is extremely compact and walkable, but you'll need stamina and sturdy walking shoes. You can also rely on Metro Transit, which operates buses throughout the city and ferries to nearby  Dartmouth . However, if you're planning on venturing outside Halifax, you will need a car. You'll find major rental agencies both in town and at the Halifax Stanfield International Airport (YHZ), located about 20 miles north of downtown.

Entry & Exit Requirements

A passport is required for citizens of the United States to travel to Canada and enter the country. You must produce a passport, passport card or NEXUS card (which allows expedited border crossings for travelers through Canadian and U.S. border controls). For more information, visit the U.S. State Department  website .

Halifax acts as a port of call for many cruise lines .

Explore More of Halifax

Things To Do

Best hotels.

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Family life insurance

• In this section
• Joint life insurance
• Level term life insurance
• Do you need life insurance for a mortgage?

Types of life insurance

• What is life insurance?
• Life insurance and pre-existing medical conditions
• Life insurance and cancer
• Life insurance and diabetes
• Life insurance for smokers
• Can I have more than one life insurance policy
• What’s the difference between income protection and critical illness cover?
• Life insurance and tax
• Life insurance and trusts
• What is critical illness cover?

Life insurance for your family can come in various forms, from life cover for you to critical illness insurance for the whole family. If you have a family, then life insurance could provide a financial safety net in case you can’t be there to support them yourself.

The payout from a valid life insurance claim might help cover expenses. For example, large loans, household bills or simply maintaining your family’s standard of living.

Let’s take a closer look at life insurance for families, and how it could give you all more peace of mind.

What are the benefits of life insurance for families? expandable section

If you’re new parents, have a growing family or your children are making their way in the world, life  insurance could give valuable peace of mind.

Life insurance could support your family in several ways in case you were to pass away unexpectedly.

Covering mortgage payments for the family home

Losing a family home can be a difficult time for any family. A life insurance policy could help cover any  mortgage repayments in your absence. Your loved ones could carry on living in their home without the stress of carrying that large financial burden alone.

It’s worth going over different types of life insurance to find the right one for your family. For example, if you’re planning to cover an interest-only mortgage, then a level term life insurance policy may be more suitable. On the other hand, a decreasing term policy may be more suitable for a repayment mortgage.

Covering living and education costs for your children

As a parent, you’ll want to give your children a solid start in life. Life cover for parents could help secure your children’s financial future, even if you’re not there. The lump sum from a valid claim might help pay for common household costs like clothes and food. Or you could use the money to pay for their education, until your kids are financially independent. For example, to help cover university fees and living expenses.

Maintaining your family’s standard of living

Without the protection of life insurance, your family might struggle to cover living costs in the event of your unexpected passing. Cover in place could relieve your financial pressures during a difficult period of grief.

Who should consider life insurance for families? expandable section

Not sure if a family life insurance policy is right for you? Let’s look at some situations where a life cover might suit your needs:

Family life insurance might be worth considering if you own a home with a mortgage. It could help your family cover the remaining debt if you weren’t there. Depending on the  type of cover you select, a successful claim payout could also give you extra money to cover future household expenses.

New parents with young children

New parents might want to consider taking out a life insurance policy for their family, especially if they have very young dependants. The payout from a valid claim might help support the remaining parent by covering clothes, food, and childcare costs.

Parents with older children

Life insurance could help financially protect your children, regardless of their age. Even if they’re older and more independent, the payout from a life insurance policy could support them into adulthood. A lump sum from a valid claim might contribute to major life milestones. For example, buying their first home, getting married or having children of their own.

Couples with shared financial costs and goals, could find a life policy useful, in case one of them were to pass away  unexpectedly. The payout from the policy may help cover loans, bills, mortgage repayments, or any other shared financial commitments. A couple might consider joint life insurance , which covers you and your partner under a single policy. Just be aware that a valid claim on a joint life policy will pay out once, even if only one of the policy holders passes away.

What types of life insurance can protect my family? expandable section

There are different types of life insurance policies  you could consider if you’re looking to protect your family’s financial future. These include:

Term life insurance

This type of policy covers you for a set period, as opposed to whole of life insurance. There are three types of term life insurance to choose from:

• Decreasing term life insurance. With this policy, the potential payout decreases over time. That means it’s best suited to covering large, long-term loans, like mortgage repayments on the family home that decrease over time.
• Increasing term life insurance. This type of term life insurance sees the potential payout increase over time, in line with inflation. This could protect your family in case living costs significantly increase in the future.
• Level life insurance.  With level life cover, the payout stays the same during the policy term. You might consider this policy if you want to know exactly how much your family could claim for in your absence.

Whole life insurance

Rather than providing insurance for a set period of time, like a term life insurance policy, whole life cover protects your family for as long as you live and maintain your policy. Because of this, it’s usually the most expensive type of life cover.

Critical illness insurance

Unlike life insurance, which provides for your family in the event of your death and a valid claim, critical illness cover could provide you with a payout. That’s depending on you making a valid claim after being diagnosed with a critical illness or condition covered by your policy.

The money you receive could help to support you and your family. For example, while you undergo treatment or make necessary changes to your home.

You can buy life and critical illness together, or separately. Always read policy documentation carefully before  you go ahead, making sure it gives the cover you really need.

Whatever cover you select, it’s important to know that your policy has no cash in value at any time. If no claim is made during the term, the policy will end and you’ll get no money back. If you don’t pay your premiums on time, the policy will end and you’ll get no money back.

Our life insurance and critical illness cover policies are provided by Scottish Widows - who are also part of Lloyds Banking Group. They are our life insurance experts, helping to protect what matters most for over 200 years.

Frequently asked questions

Which type of life insurance should i get for my family expandable section.

This depends on your family’s needs. Accounting for your monthly or yearly expenses might help you work out how much cover you’ll need. Think about your current income, and the evolving needs your family might have in the future. All of this may then help you decide on the type of family life insurance coverage that’s within your budget.

What affects the cost of family life insurance? expandable section

Different things come into play for the cost of a life insurance premium. Factors such as medical history , lifestyle, and health will impact your premiums. Make sure you are honest when applying for life cover. Failure to do so might prevent your family from making a valid claim in the future.

Am I too old to get life insurance coverage? expandable section

To apply for life insurance with us, you need to be a UK resident aged between 18 and 59. The earlier you purchase cover, the lower your premiums could be, depending on factors such as your lifestyle and health.

I don’t have children, should I still get life insurance? expandable section

While life insurance may not seem important if you don’t have dependants, you might have people close to you that you want to support in your absence. A life insurance policy could help you to leave a financial legacy to parents, siblings, or even friends if you were to pass away unexpectedly.

Want to find out more?

Discover more information on life insurance and critical illness. Get a tailored quote or arrange a call-back to discuss your need.

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Further help and guidance

• Do you need life insurance for a mortgage? 
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