does halifax have travel insurance

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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.

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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.

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Halifax Travel Insurance Review

Everything you need to know before you buy travel insurance from Halifax!

The experts say:

Are you planning a trip and looking for the best travel insurance? Look no further than Halifax's URCA policy! Rated highly by Which?, it scored an impressive 72%, and placed 33rd out of all 71 providers. It offers superior Covid cover, a whopping £10,000,000 in medical expenses cover, and includes airline failure protection as standard. You'll also get £2,500 of baggage cover and £5,000 cancellation cover. Excess payable on medical claims is not known, but Fairer Finance has not rated this policy - so you can rest assured that your finances are in safe hands.

What Halifax customers are saying right now:

• :thumbsup: Good fraud service and quick response times when calling.
• :ok_hand: Online banking systems that work well.
• :moneybag: Competitive rates and deals available.
• :rocket: Quick and easy account setup process.
• :iphone: An app with good features but minor technical issues.
• 😡 Poor customer service and I.T systems, leading to long call wait times and difficulty in using online banking
• 😠 Broken systems, resulting in frustration and difficulty in accessing accounts
• 😡 Unethical staff practices, such as blocking access to accounts without valid reason and accessing customers' accounts from home

Halifax customer reviews summary

Halifax travel insurance has been receiving mixed reviews from customers lately. From blocked accounts to poor I.T systems, it seems that a lot of people are having trouble with the service. On the plus side, the fraud service is strong and phone calls are answered quickly. Overall, the experience is a bit of a rollercoaster but could be improved with better customer service and more reliable systems. Score: 6/10

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Credit cards with travel insurance for 2024

Does your credit card come with travel insurance as an added perk find out here..

In this guide

Credit cards with travel insurance comparison table

Priority pass discounts, which credit cards offer free travel accident insurance, american express preferred rewards gold credit card, amex cashback everyday credit card, british airways american express credit card, british airways american express premium plus credit card, american express rewards credit card, benefits of paying for a holiday on a credit card, what is covered.

• What isn't covered?

How to file a claim with a credit card issuer

Frequently asked questions.

We compare the following card issuers

Credit cards have a number of benefits. Perhaps the most obvious is that they can help you break down the cost of an expensive purchase into more manageable payments over several months – ideally interest-free. But some also come with a range of perks, such as travel insurance.

However, rather than being offered comprehensive travel insurance with your credit card, you’re most likely to be offered “travel accident insurance”. This will cover accidental death or accidents resulting in a permanent injury. How much cover you get will depend on the card and whether you need to pay an annual fee.

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

Lounge access with Priority Pass

Some of the credit cards that offer free travel accident insurance are outlined below. You’ll notice that all of these are American Express cards.

The Amex Preferred Rewards Gold credit card has an annual fee of £140 (£0 in the first year) and offers the following:

• Travel accident insurance of £250,000 for accidental death or accidents resulting in complete loss of or permanent loss of use of limb, sight, speech or hearing while travelling on a public vehicle where the ticket was bought on the card account.
• Cover for flight delays, overbooking or missed connections of up to £200 if no alternative is made available within 4 hours of the published departure time.
• Baggage delay cover of up to £200 per person for reimbursement costs of essential items if your checked-in baggage has not arrived at your destination within 4 hours of your arrival. This limit increases by an additional £200 if your baggage does not arrive within 48 hours of your arrival.

The Amex Platinum Cashback Everyday credit card has no annual fee and offers the following:

• Travel accident insurance of £150,000 for accidental death or accidents resulting in complete loss of or permanent loss of use of limb, sight, speech or hearing while travelling on a public vehicle where the ticket was bought on the card account.

Travel delays are not covered.

The British Airways American Express credit card has no annual fee and offers the following:

• Travel accident insurance of £75,000 for accidental death or accidents resulting in complete loss of or permanent loss of use of limb, sight, speech or hearing while travelling on a public vehicle where the ticket was bought on the card account.

The British Airways American Express Premium Plus credit card has a £250 annual fee and offers the following:

• Cover for flight delays, overbooking or missed connections of up to £200 if no alternative is made available within 4 hours of the published departure time. Up to an additional £400 is payable for overbookings only if alternative arrangements are not provided within 6 hours.
• Baggage delay cover of up to £750 for reimbursement of costs of essential items following baggage delay by an airline for 6 hours. Up to an additional £1,000 is available if baggage has not arrived within 48 hours of your arrival time.

The Amex Rewards credit card has no annual fee and offers the following:

Although you won’t get full travel insurance with your credit card, paying for a holiday on a credit card gives you protection through Section 75 of the Consumer Credit Act. This means that if your holiday costs more than £100 and up to £30,000, and you paid either a deposit or the full price on your credit card, you should be able to claim your money back if something goes wrong. Examples include if your airline or holiday company goes under or if the trip isn’t as described.

The cost of your flights or holiday must be more than £100 to be covered, but you don’t have to have paid more than £100 on the credit card to qualify. Instead, it’s the cash price of the holiday or flights that matters. Provided your holiday cost more than £100, even if you only paid a deposit of £50 on your credit card and paid the rest in cash or on a debit card, you’ll still be covered for the full amount.

Under Section 75, you’ll be covered against the following:

• The travel company, airline or accommodation provider going bust
• The holiday not being as described
• Your travel provider cancelling the holiday
• Additional expenses that you have to pay for through no fault of your own – for example, if you have to pay for more expensive flights to get home after an airline goes bust

What isn’t covered?

Section 75 won’t cover you in the following circumstances:

• You decide not to take your holiday
• You withdrew cash on your credit card to pay for the holiday
• An additional cardholder paid for a holiday that the primary cardholder won’t be going on
• You bought your holiday through intermediaries such as PayPal – although this will depend on the seller. Note that if you bought your holiday through a travel agent, your ability to claim on Section 75 will depend on who took your payment and what it was for. If the travel agent sold you a package holiday that they put together, you will usually be covered as the travel agent is a party to the contract.

Section 75 means that your credit card company is jointly liable with the holiday firm if something goes wrong. If you need to make a claim, it’s generally best to approach the holiday company first to see if they can help. But if they don’t reply, or if you are able to contact them because they have gone into administration, for example, you can go straight to your credit card company.

The process of making a Section 75 claim can vary depending on the provider. In some cases, you can do this through your mobile banking app or by speaking to someone via an online chat service. In other cases, you will need to contact your card provider by phone or by filling in an online form.

When you make your claim, it’s important to include as much detail as possible as well as any receipts of your purchase. If you’ve already approached the holiday firm, include any evidence of this if you can. Explain what you would like your credit card provider to do, which will usually be to issue you with a full refund, and keep a record of all communication.

If you cannot resolve the issue with either the holiday or card company, you can contact the Financial Ombudsman Service, which can independently assess the case. You must do this within 6 months of your claim being rejected.

Is a credit card with travel insurance all you need?

What's covered under trip cancellation insurance.

Rachel Wait

Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time.

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Overview of Travel Insurance Coverage

What does travel insurance cover, what does credit card travel insurance cover, what travel insurance coverage do you need to pay more for, choosing the right travel insurance, what does travel insurance cover frequently asked questions, understanding what travel insurance covers.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠. The details for these products have not been reviewed or provided by the issuer.

• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex, for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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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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• P&O Cruises ( UK )

Travel Insurance with bank?

By boatboy2000 , February 15, 2022 in P&O Cruises ( UK )

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boatboy2000

Hi does anybody have travel insurance with their account and what banks have cruise cover included with the account?

Thinking of switching banks TIA

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Nationwide Flexplus but it costs £13 per month.

Halifax Ultimate Reward £17 per month but pay in a certain figure per month - sorry can't recall how much - and they give you £5 back.  Offers Allianz insurance with cruising but not the bells and whistles. Does have benefit of offloading cover.

Plugtheleak

I'm with Natwest and travel insurance policy included with Platinum Account seems to be good

For Cruise cover you have to distinguish two separate sections:

1)  Are you covered for medical and evacuation whilst on the ship

2)  Are you covered for additional things like missed ports.

We have the Nationwide plus account which covers the first one (which is the essential part). The second one is an optional extra if you want it.

2 hours ago, AlanCruise said: For Cruise cover you have to distinguish two separate sections: 1)  Are you covered for medical and evacuation whilst on the ship 2)  Are you covered for additional things like missed ports.   We have the Nationwide plus account which covers the first one (which is the essential part). The second one is an optional extra if you want it.

Yes that's what I meant by bells and whistles.  Do beware some policies do not include item 1.

19 hours ago, Megabear2 said: Halifax Ultimate Reward £17 per month but pay in a certain figure per month - sorry can't recall how much - and they give you £5 back.  Offers Allianz insurance with cruising but not the bells and whistles. Does have benefit of offloading cover.

Trouble with Halifax Ultimate is you have to pay £1500 minimum into account each month and the biggie is have a balance of £5000 or more for every day of the month to get the £5 back.

32 minutes ago, majortom10 said: Trouble with Halifax Ultimate is you have to pay £1500 minimum into account each month and the biggie is have a balance of £5000 or more for every day of the month to get the £5 back.

You do pay in £1500 or more but there is no obligation to have £5000 in your account.   You need to spend £500 a month on your debit card which with fuel and food is sadly easily achievable! We use ours for household bills and it never has that amount in it, at most usually £2,000 at a time.

There is no requirement on the Nationwide Flexplus account to have regular amounts paid in, or to use it for D. D. payments etc.  We no longer use it as our principal current account so don't have a lot in there.  Also, if you have a joint account both account holders are covered.  

3 hours ago, Megabear2 said: You do pay in £1500 or more but there is no obligation to have £5000 in your account.   You need to spend £500 a month on your debit card which with fuel and food is sadly easily achievable! We use ours for household bills and it never has that amount in it, at most usually £2,000 at a time.

Correct we get the five pounds a month than they take seventeen off us to run it

Having tipped over the 75 age, there are not many Banks that will cover me. Co op does until you are 80, so I may change to them this year. Anyonne with them ?

34 minutes ago, bobstheboy said: Having tipped over the 75 age, there are not many Banks that will cover me. Co op does until you are 80, so I may change to them this year. Anyonne with them ?

Nationwide will including over 80, but at an additional premium. 

5 hours ago, Megabear2 said: You do pay in £1500 or more but there is no obligation to have £5000 in your account.   You need to spend £500 a month on your debit card which with fuel and food is sadly easily achievable! We use ours for household bills and it never has that amount in it, at most usually £2,000 at a time.

If you dont spend £500 every month on your debit card which is not easily achievable for everybody you have to have £5000 in your account for each day of the month to get £5 reward cashback.

1 hour ago, kruzseeka said: Nationwide will including over 80, but at an additional premium. 

Nationwide Flexplus covers you for travel insurance up to the age of 70 and over that you have to pay a premium of £65 every year and have a medical screening on a yearly basis.

CRUISENSNOOZE

Hi, We are with Barclays Travel Insurance. They have 2 levels £12.50  and £18. We have the Travel Plus Pack at £18pm which gives us worldwide cover, RAC recovery in UK and Europe and 6 Airport Lounge Passes a year. We used to have RAC cover which cost us about £120 p.a. and if you use Airport Lounges on special offer, it would still be about £20 ea...so £216 per year for the travel insurance is very cheap. They give full coverage for cruising and repatriation. I believe this Travel insurance is to the age of 80. (we are 66 and 69).

The downside...sort of. The insurance only covers for holidays/cruises up to 31 days. The upside..they will give you full cover for any additional days for a one off payment. For example: we are on a 65 day cruise around South America and back through Caribbean. We had to pay an additional £236 for the 2 of us. We are away in France and Germany for 75 days with our car and caravan and the cost for this including upgrading the RAC cover was £136.  For us this works out very cheaply considering what P&O travel insurance quoted us for the single trip around south America!!...I must look out the quote again.

Lloyd's cover you till the age of 80. That's with Allianz insurance cover for £21 per month.

1 hour ago, majortom10 said: If you dont spend £500 every month on your debit card which is not easily achievable for everybody you have to have £5000 in your account for each day of the month to get £5 reward cashback.

Yes I did say that.  As I say we use ours for household expenses so don't find £500 difficult but I acknowledge everyone is different.  However the travel insurance is excellent and with Allianz will cover my husband's myriad of serious health conditions on renewal for £293 a year compared to the £1,400 we had to pay Avanti in September for insurance that doesn't have the offloading cover.

On 2/16/2022 at 10:16 PM, Megabear2 said: Yes I did say that.  As I say we use ours for household expenses so don't find £500 difficult but I acknowledge everyone is different.  

Intetested as to why you use a debit card rather than a reward credit card (B.A, Virgin, IHG, Tesco - which includes several cruise lines in their reward scheme - etc.)?

Only use Amex credit card mainly for travel.  I fly a lot so have my monthoy debit card linked to Virgin to get extra shopping points which become free flights or upgrades.  I also use the debit card to get the benefits on Halifax account mentioned above. My husband's travel insurance costs mega amounts so with phone insurance and RAC spending £500 per month in groceries and fuel is worth the price of £17 per month reduced by a fiver.  

On 2/16/2022 at 3:33 PM, kruzseeka said: There is no requirement on the Nationwide Flexplus account to have regular amounts paid in, or to use it for D. D. payments etc.  We no longer use it as our principal current account so don't have a lot in there.  Also, if you have a joint account both account holders are covered.  

My partner has a Nationwide FlexPlus account, and the annual travel insurance covers me too.

4 hours ago, Wacktle said: My partner has a Nationwide FlexPlus account, and the annual travel insurance covers me too.

That's good - I thought it had to be a joint account for both to be included. 👍

For the nationwide account, you only need to make it a joint account for the car breakdown insurance part, so that you can both call them out whatever vehicle you are driving.

2 hours ago, kruzseeka said: That's good - I thought it had to be a joint account for both to be included. 👍

No it covers not just 2 but your dependent children as well.

28 minutes ago, majortom10 said: No it covers not just 2 but your dependent children as well.

Even better! 

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Does Halifax Travel Insurance Cover Pregnancy?

• Last updated Oct 23, 2023
• Difficulty Advanced

• Category Healthy pregnancy

Are you planning a trip and wondering if your Halifax travel insurance covers pregnancy? Well, you've come to the right place! In this article, we will explore the ins and outs of Halifax travel insurance and whether it provides coverage for expectant mothers. So, if you're expecting and looking to travel, sit back, relax, and let's dive into the world of Halifax travel insurance and pregnancy coverage!

What You'll Learn

Does halifax travel insurance provide coverage for pregnancy-related expenses such as prenatal care and medical emergencies, are there any restrictions or limitations on the coverage provided for pregnancy-related matters under halifax travel insurance, does halifax travel insurance cover any complications or pre-existing conditions related to pregnancy, is there a specific time frame within which i must purchase halifax travel insurance in order to be eligible for coverage related to pregnancy, are there any additional benefits or coverage options specifically designed for pregnant travelers under halifax travel insurance.

Many expectant mothers may wonder if their travel insurance policy, specifically from Halifax, will provide coverage for pregnancy-related expenses. The good news is that Halifax does offer coverage for certain pregnancy-related expenses, including prenatal care and medical emergencies. However, it's important to understand the specific terms and conditions of your policy before relying on this coverage.

Pregnancy is generally considered a pre-existing medical condition. This means that coverage for pregnancy-related expenses may not be automatically included in a standard travel insurance policy. However, Halifax offers an optional coverage add-on called "Pre-existing Medical Conditions" that can provide coverage for pregnancy-related expenses. It's important to note that this coverage may be subject to certain limitations and restrictions, so it's always a good idea to read the fine print and understand the terms and conditions of your policy.

In addition to the optional coverage add-on, Halifax travel insurance policies also include coverage for medical emergencies. This means that if you experience a sudden and unexpected medical complication related to your pregnancy while traveling, such as gestational diabetes or preeclampsia, you would likely be covered for any necessary medical treatment.

It's important to understand that travel insurance is designed to provide coverage for unforeseen events and emergencies. Routine prenatal care and routine check-ups are typically not covered by travel insurance, as these are considered expected and planned expenses. However, if a medical emergency were to arise during your trip that requires immediate attention, such as a premature labor or complications with the pregnancy, Halifax travel insurance may provide coverage for the associated medical expenses.

When considering a travel insurance policy, it's important to review the coverage details and any exclusions that may apply. Some policies may have restrictions on the gestational age of the mother at the time of travel or may exclude coverage for certain pregnancy-related complications. It's always a good idea to consult with your healthcare provider and insurance provider to fully understand the coverage options and limitations before purchasing travel insurance.

To give you an example, let's say you are an expectant mother planning a trip abroad. You have purchased a travel insurance policy from Halifax that includes coverage for pre-existing medical conditions. During your trip, you experience sudden abdominal pain and need to seek medical attention. The doctor determines that you are experiencing a pregnancy-related complication that requires immediate treatment. In this scenario, your Halifax travel insurance policy may provide coverage for the cost of the medical treatment, including any necessary hospital stays, medications, and follow-up care.

Overall, Halifax travel insurance does provide coverage for certain pregnancy-related expenses, including medical emergencies. However, it's important to review your policy and any optional coverage add-ons to fully understand the terms, limitations, and exclusions that may apply. When in doubt, reach out to your insurance provider for clarification and guidance.

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When it comes to travel insurance, it's important to understand the limitations and restrictions that may apply to certain aspects of coverage. This is particularly important for pregnancy-related matters, as there may be specific guidelines and requirements to ensure the health and safety of both the mother and the baby.

Halifax travel insurance offers coverage for pregnancy-related matters, but there are some important restrictions and limitations to be aware of. These restrictions are in place to protect the health of the mother and the baby, and to minimize any potential risks that may arise during travel.

One of the main restrictions on pregnancy-related coverage under Halifax travel insurance is the gestation period. Generally, Halifax will only provide coverage for complications that arise after the 26th week of pregnancy. This means that if you experience any complications related to your pregnancy before this time, you may not be eligible for coverage.

Another important restriction to be aware of is the coverage for pre-existing conditions. If you are already pregnant at the time of purchasing Halifax travel insurance, any complications that arise from your pregnancy may be considered pre-existing conditions. As a result, they may not be covered under the policy. It is crucial to carefully review the policy terms and conditions to understand the coverage provided for pre-existing conditions related to pregnancy.

It's also worth noting that Halifax travel insurance does not cover routine prenatal care or normal childbirth expenses. These are considered to be part of regular medical care and are typically not covered by travel insurance. If you require routine prenatal care or anticipate giving birth while traveling, it's essential to make appropriate arrangements and consult with your healthcare provider.

If you do meet the gestation period requirement and experience complications related to your pregnancy during your trip, it's important to follow the necessary steps to claim your coverage. This may include notifying Halifax as soon as possible about the situation, providing any required medical documentation, and obtaining the necessary approvals for medical treatments and expenses.

It's crucial to understand that every travel insurance policy may have different terms and conditions regarding pregnancy-related coverage. Therefore, it's essential to carefully read and understand the details of your Halifax travel insurance policy to ensure you are fully covered for any pregnancy-related matters that may arise during your trip.

In conclusion, Halifax travel insurance provides coverage for pregnancy-related matters, but there are important restrictions and limitations to be aware of. These include the gestation period requirement, coverage for pre-existing conditions, and the exclusion of routine prenatal care and normal childbirth expenses. By understanding and adhering to these restrictions, you can ensure that you have the appropriate coverage in place for any pregnancy-related complications that may occur during your trip.

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When planning a trip while pregnant, it's important to consider travel insurance coverage. Pregnancy can come with unexpected complications, and having the right insurance in place can provide peace of mind and financial protection. In this article, we will explore whether Halifax travel insurance covers any complications or pre-existing conditions related to pregnancy.

Halifax travel insurance, like most travel insurance policies, provides coverage for unforeseen medical emergencies that may occur during your trip. However, it's essential to understand the terms and conditions of the policy when it comes to pregnancy-related complications or pre-existing conditions.

Generally, Halifax travel insurance does not cover pre-existing conditions related to pregnancy. A pre-existing condition is any medical condition that you are already diagnosed with or receiving treatment for before the start of the insurance policy. As pregnancy is a known condition, most travel insurance policies exclude coverage for pre-existing maternity-related conditions.

However, Halifax travel insurance may provide coverage for unexpected pregnancy-related complications that arise during the trip. For example, if you experience a sudden medical emergency while traveling that is directly related to your pregnancy, such as pre-eclampsia or premature labor, Halifax may cover the medical expenses associated with the treatment, up to the policy's limits.

It's important to note that the coverage for pregnancy-related complications can vary depending on the specific policy you purchase from Halifax. It is always recommended to carefully review the policy's terms, conditions, and exclusions to determine if the coverage meets your needs. Some policies may have additional requirements, such as a waiting period or specific gestational age limitations, before coverage for complications would be provided.

To further illustrate the coverage provided by Halifax travel insurance, let's consider an example. Suppose you're pregnant and planning a vacation abroad. During the trip, you experience severe abdominal pain and are diagnosed with an ectopic pregnancy, which requires immediate surgery. If your Halifax travel insurance policy covers pregnancy-related complications, it may reimburse you for the medical expenses, including the surgery and hospitalization costs.

To ensure you have the right coverage for your specific needs, it's recommended to contact Halifax directly or speak with a licensed insurance agent who can provide you with detailed information about the policy options available.

In conclusion, Halifax travel insurance may provide coverage for unexpected pregnancy-related complications that arise during your trip. However, it generally does not cover pre-existing conditions related to pregnancy. It's crucial to carefully review the policy's terms, conditions, and exclusions to determine the extent of coverage provided by Halifax travel insurance for pregnancy-related complications. When planning a trip while pregnant, it's always wise to consult with your healthcare provider and consider purchasing specialized travel insurance that caters to the unique needs of pregnant travelers.

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If you are planning to travel while pregnant, it is essential to ensure you have the appropriate insurance coverage to protect yourself and your baby. When it comes to purchasing Halifax travel insurance and being eligible for coverage related to pregnancy, there may be some specific time frames to consider.

Halifax travel insurance offers coverage for pregnancy-related medical expenses and complications, provided certain conditions are met. Typically, you are required to purchase the insurance policy before you reach a certain stage in your pregnancy, usually around the 26th week, although this can vary depending on the insurance provider.

It is important to note that each insurance company may have different guidelines and requirements for coverage related to pregnancy. Some may require you to have been pregnant at the time of purchasing the insurance, while others may have specific waiting periods before coverage becomes valid.

To ensure you have the necessary coverage, it is advisable to contact Halifax Travel Insurance directly or consult their policy documents to understand the specific requirements for pregnancy-related coverage. They will be able to provide you with the most up-to-date information regarding their policy and any additional requirements.

In addition to the time frame for purchasing insurance, it is also crucial to consider the potential risks and complications associated with traveling while pregnant. It is recommended to consult with your healthcare provider before making any travel plans to ensure it is safe for you and your baby.

Furthermore, some insurance policies may also exclude coverage for pre-existing medical conditions related to your pregnancy. Therefore, it is vital to review the policy thoroughly to understand any limitations or exclusions that may apply.

To summarize, if you are planning to travel while pregnant and want to be eligible for coverage related to pregnancy under Halifax travel insurance, there may be a specific time frame within which you need to purchase the policy. It is essential to contact Halifax directly or review their policy documents to understand their requirements for pregnancy-related coverage. Additionally, consulting with your healthcare provider is crucial to ensure it is safe for you and your baby to travel.

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Are you planning a trip but worried about how your pregnancy might affect your travel plans? Don't worry, Halifax travel insurance has you covered! With their comprehensive coverage options, they make sure you have peace of mind and are protected during your travels.

One of the additional benefits specifically designed for pregnant travelers is emergency medical coverage. Halifax travel insurance provides coverage for any emergency medical expenses that may arise during your trip. This includes medical treatment, hospital stays, and even emergency medical evacuation if necessary. So, whether you have a minor issue or a more serious medical emergency, you can rest assured that you will be taken care of.

In addition to emergency medical coverage, Halifax travel insurance also offers trip cancellation and interruption coverage for pregnant travelers. This means that if you need to cancel or cut short your trip due to pregnancy-related complications, you may be eligible for reimbursement of any non-refundable trip expenses, such as flights, accommodations, and pre-paid activities. This can be a huge relief, especially if you have invested a significant amount of money in your trip.

Moreover, Halifax travel insurance offers coverage for lost or delayed baggage, trip delay, and travel assistance services specifically tailored for pregnant travelers. These additional benefits ensure that you are well taken care of throughout your journey. For example, if your luggage is lost or delayed, Halifax travel insurance will provide coverage for necessary items such as clothing, toiletries, and other essential items. If your trip is delayed due to pregnancy-related complications, Halifax travel insurance will provide reimbursement for any additional expenses incurred, such as accommodations, meals, and transportation. Additionally, their travel assistance services can provide useful information and resources, such as locating medical facilities and arranging for medical care in case of an emergency.

To avail these benefits and coverage options, it is important to purchase Halifax travel insurance as soon as you book your trip. Waiting until you are further along in your pregnancy may limit or restrict your coverage options. It is also important to review the policy details carefully and understand any exclusions or limitations that may apply to pregnant travelers. For example, pre-existing conditions related to pregnancy may not be covered, or there may be specific criteria or restrictions for coverage during certain stages of pregnancy.

In conclusion, Halifax travel insurance offers a range of benefits and coverage options specifically designed for pregnant travelers. From emergency medical coverage to trip cancellation and interruption coverage, they ensure that you have the necessary protection and peace of mind during your travels. Remember to purchase your insurance as soon as you book your trip and review the policy details carefully to understand any exclusions or limitations that may apply. With Halifax travel insurance, you can travel confidently knowing that you are covered, no matter what surprises your pregnancy may bring.

Is It Safe to Consume Mountain Dew During Pregnancy?

Frequently asked questions.

Yes, Halifax travel insurance does cover pregnancy. The policy provides coverage for medical expenses related to pregnancy, including prenatal care and complications that may arise during the trip. However, it's important to note that coverage for pregnancy will vary depending on the specific policy and any pre-existing conditions.

Yes, you can still purchase Halifax travel insurance if you are already pregnant. However, it's essential to carefully read the policy documents to understand the extent of coverage for pregnancy-related expenses. Some policies may have specific restrictions or limitations for pregnant travelers, such as coverage only up to a certain gestational age or exclusions for certain complications.

Yes, Halifax travel insurance typically covers pregnancy-related emergencies. This includes situations like premature labor, complications during pregnancy, or other unforeseen medical events that may require emergency medical attention. However, it's important to contact the insurance provider as soon as possible in the event of an emergency to ensure proper guidance and assistance.

Halifax travel insurance may require additional documentation or requirements to cover pregnancy. This can include a medical certificate confirming the estimated due date and stating that the individual is fit to travel. It's crucial to check the specific policy terms and conditions to understand any additional requirements and ensure compliance for coverage.

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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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Discover card travel insurance used to be a common benefit of many of the bank's cash-back cards. But in early 2018, Discover cut the travel insurance benefits on all of its cards (alongside benefits like extended warranty and price protection).

That means that today, Discover cards don’t offer any type of travel insurance. Instead, the bank now focuses on the simplicity of cash-back awards on its rewards credit cards .

Which other cards offer travel insurance?

Since Discover card trip insurance is a thing of the past, you might consider spending on other cards that offer travel insurance protections.

Chase cards with travel insurance

The Chase Sapphire Preferred® Card and Chase Sapphire Reserve® offer some of the most robust travel insurance coverages available on a credit card, including trip delay protection, primary auto rental collision damage waiver insurance, baggage delay insurance, lost luggage protection and travel accident insurance.

on Chase's website

Trip cancellation.

Trip interruption.

Trip delay.

Baggage delay.

Lost luggage.

Auto rental collision damage waiver.

Travel accident.

Roadside assistance.

Travel and emergency assistance.

Emergency evacuations and transportation.

Emergency medical and dental.

Here is a full list of credit cards that offer Chase travel insurance:

Aer Lingus Visa Signature® Card .

Aeroplan® Credit Card .

Prime Visa .

British Airways Visa Signature® Card .

Chase Freedom Flex℠ .

Chase Freedom Unlimited® .

Chase Freedom® Student credit card .

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

Chase Slate Edge℠ .

Iberia Visa Signature® Card .

IHG One Rewards Premier Credit Card .

IHG One Rewards Premier Business Credit Card .

IHG One Rewards Traveler Credit Card .

Ink Business Cash® Credit Card .

Ink Business Plus® Credit Card.

Ink Business Preferred® Credit Card .

Ink Business Unlimited® Credit Card .

Marriott Bonvoy Bold® Credit Card .

Marriott Bonvoy Boundless® Credit Card .

Southwest® Rapid Rewards® Performance Business Credit Card .

Southwest Rapid Rewards® Plus Credit Card .

Southwest® Rapid Rewards® Premier Business Credit Card .

Southwest Rapid Rewards® Premier Credit Card .

Southwest Rapid Rewards® Priority Credit Card .

Starbucks® Rewards Visa® Card .

World of Hyatt Credit Card .

World of Hyatt Business Credit Card .

United Club℠ Business Card .

United Club℠ Infinite Card .

United℠ Business Card .

United℠ Explorer Card .

United Gateway℠ Card .

United Quest℠ Card .

» Learn more: Does my Chase card have travel insurance?

Premium cards with travel insurance

The Capital One Venture X Rewards Credit Card is another premium travel card that offers an extensive suite of travel benefits.

Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card includes primary auto rental collision damage waiver, trip cancellation/interruption insurance, trip delay reimbursement insurance, a $1 million worldwide common carrier travel insurance policy and lost luggage protection.

» Learn more: How rental car insurance works

No-annual-fee cards with travel insurance

While you’ll get the most travel insurance coverage from a premium travel card, some cards with no annual fee offer travel insurance as well.

For instance, the Wells Fargo Autograph ℠ Card offers basic auto rental collision damage waiver insurance, and the United Gateway℠ Card includes trip cancellation/interruption and rental car insurance.

» Learn more: The best travel credit cards right now

What types of travel insurance coverages do credit cards usually offer?

Here are some of the most common types of travel insurance offered on credit cards.

Auto rental collision damage waiver insurance covers damage to or theft of cars that you rent using your credit card. For auto rental collision damage waiver insurance to apply, you must make your reservation and pay for your car rental with a card that has this benefit. You must also decline the car rental company’s collision damage waiver. Most auto rental collision damage waiver insurance is secondary, meaning that you must make a claim through your personal auto insurance before the credit card insurance will pay. Primary auto rental collision damage waiver insurance is a benefit on some premium credit cards .

Baggage delay insurance can reimburse you for expenses you incur as a result of a temporary baggage delay . Incidentals like toiletries, clothing, chargers and medication are typically reimbursable through baggage delay insurance.

Lost luggage reimbursement covers the cost to repair or replace your checked and carry-on baggage and its contents. Lost luggage coverage is usually provided as secondary insurance and will cover the difference between what an airline or other carrier reimburses you and the amount of your loss, up to the limit of coverage.

Travel accident insurance can compensate you or your survivors for loss of life, limb or function when you book your common carrier ticket, such as an airline ticket, with your card. Travel accident insurance typically specifies a payout amount for each type of covered loss.

Trip cancellation and interruption insurance may reimburse you for certain prepaid travel expenses when a trip is interrupted or canceled for a covered reason. Trip cancellation and interruption insurance policies vary widely but usually cover at least airfare booked with your card. Some policies may cover a wide range of prepaid travel expenses. 

Trip delay reimbursement can cover meals and overnight accommodations when you are significantly delayed and you book your travel with your card. Trip delay benefits usually kick in after a certain number of hours of delays or when you are delayed overnight.

» Learn more: 10 credit cards with travel insurance

You can also buy travel insurance separately

If you aren't interested in adding a new credit card to your wallet but want travel protections, you have options.

Consider shopping for one-off plans from third-party travel insurance companies to find coverage that fits your risk tolerance and budget. A bonus of purchasing travel insurance out-of-pocket — rather than using a card's built-in benefits — is that you can customize the plan to meet your needs.

You can even add on Cancel For Any Reason coverage to more confidently protect your upfront and nonrefundable payments.

Expect to pay roughly 7% of your trip budget for travel insurance.

» Learn more: How much is travel insurance?

Should I use a Discover card for travel?

With no Discover travel protection, does it make sense to use a Discover card to book travel? The short answer is probably not.

Discover does not offer any credit cards featuring additional rewards on travel purchases. Discover does market the Discover it® Miles travel credit card, but the card earns 1.5 miles per dollar on every purchase and has no rewards or benefits specific to travel.

The information related to the Chase Freedom® Student credit card , Chase Slate Edge℠ , Ink Business Plus® Credit Card, Starbucks® Rewards Visa® Card and the United Club℠ Business Card credit cards has been collected by NerdWallet and has not been reviewed or provided by the issuers of these cards.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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Home » Travel » Quick Answer: Do I Have Travel Insurance With Halifax

Quick Answer: Do I Have Travel Insurance With Halifax

Do the halifax do travel insurance.

Worldwide multi-trip family travel insurance Includes medical costs and personal belongings cover. Cover for certain winter sports, golf trips and UK breaks.

Does Halifax travel insurance cover cancellation?

There will be additional cancellation cover for anyone covered under the policy if you or someone you are travelling with have booked to travel and either the carrier or a Government authority will not let you travel, because at the point of boarding, you or they are showing symptoms of a contagious disease.

Do I need to tell Halifax I am going abroad?

You no longer need to tell us. You no longer have to tell us when you are travelling abroad. Our fraud and security systems are always on the lookout for suspicious activity on your accounts meaning you can relax when you are away making going abroad stress free.

How do I cancel my Halifax Ultimate Reward account?

From your account homepage select ‘More actions’ on the account you wish to close. Select ‘Close account’ from the ‘Account services’ menu. If the account has money in, you’ll be asked to transfer it to another Halifax account. You’ll also be asked why you’re closing the account.

Do I need to inform bank when Travelling abroad?

Notify your bank before using a credit or debit card when traveling. Banks do whatever they can to protect you from identity theft. But if you’re not careful, your bank’s eagerness could backfire when you travel.

Do I need to notify my bank if Im going abroad?

Notifying your credit card company and bank before a trip can help ensure the institutions won’t freeze your cards while you are traveling due to suspicious activity.

Will Halifax refund scammed money?

You need to take care when you use Online, Mobile or Open Banking. If you do everything you can to keep your details and devices safe but another person uses your account without your knowledge or approval, we’ll refund any money you may lose.

Is Halifax Reward account changing?

We’re changing the Reward Current Account and adding Reward Extras. But you do need to tell us if you want to stay on this account. If we don’t hear from you by 15th May 2020, your account will change to a Current Account and you’ll miss your chance to earn monthly Reward Extras.

Is Halifax Reward extra taxable?

The Halifax Reward account pays an additional £5/month to customers who pay in £750/month, remain in credit and pay out at least two direct debits. This reward is subject to tax, as it’s classified as an annual payment rather than savings interest.

Can I use my Halifax debit card in Pakistan?

Our debit and credit cards are accepted worldwide.

Does Halifax charge for overseas transactions?

We will charge you a foreign currency transaction fee of 2.99% of the amount of the transaction. This is a fee for currency conversion.

Do I get charged for using my debit card abroad?

Debit card providers will charge a Non-Sterling Transaction Fee of 2.75%. Paying in sterling rather than local currency is often more expensive as there could be a local charge. You can use your contactless card abroad like you can in the UK. Just look for the contactless symbol.

Why did Halifax close my account?

It is highly likely there is a fraud marker on your records – hence all the other banks can see it too. The fraud attempt could have been made by anyone and the account closure is a protection mechanism by the bank. You need to know exactly what is on the CIFAS database.

Does Halifax Ultimate Reward cover boiler?

Yes, boilers are covered. There needs to be a complete failure or breakdown and you’d need to show that your boiler has been serviced within the last 24 months.

Should I close my savings account?

Closing a savings account may be necessary if you need to move you money to another account or are changing banks. Another reason reported by clients is that they want to open an online savings account as they are offered with better interest and higher yields.

Can I use my Barclay debit card abroad?

Yes, you can use your debit card in millions of shops and cash machines worldwide – anywhere you see the Visa sign. We’ll charge you a 2.99% Non-Sterling Transaction Fee for using your debit card abroad when making purchases, withdrawing cash or when you are being refunded.

Do I need to notify Barclays if I am going abroad?

No, you don’t have to tell Barclaycard when you take a holiday or travel on business. We’ll contact you using your mobile number if we spot anything unusual on your account while you’re away, but there’s no need to tell us about your travels. It’s a good idea to make sure we’ve got the right mobile number for you.

Can I withdraw money from a foreign ATM?

Foreign ATM and transaction fees It usually ranges from 1% to 3% of the purchase amount. International ATM fee: Banks and credit unions typically charge a flat fee — often up to $5 — for using an ATM network in another country, plus a percentage of the amount you withdraw.

Do I tell my bank I’m going on vacation?

You’re not required to notify your credit card company when you’re going away on vacation, but it is highly recommended. By letting your credit card company know where you’re going and for how long, your company will know that any card transactions from that location were likely authorized by you.

How do I let my region know I am traveling?

Please contact us to activate your CheckCard for international use by calling 1-800-295-8472. Providing your travel dates will help us know that your card has not been stolen.

How do I let my bank know Im traveling?

The easiest way you can submit your U.S. Bank travel notice is online, with the U.S. Bank mobile app, or by phone at (800) 285-8585. A U.S. Bank travel notice is not required, but U.S. Bank recommends that cardholders notify them when traveling outside of the country.

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• Quick Answer: Do You Get Travel Insurance With Halifax
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You can only get Home Insurance Select directly with us. Get a quote online or over the phone. 10% cheaper when you get your quote and buy online. Read about our online price.

Our policy documents tell you more about what is and isn't covered. Keep in mind that with all of our cover, there are limits, terms and exclusions. Read the policy documents (PDF 508KB) .

Protect your building, contents or both?

Buildings and contents insurance

Buildings and contents insurance protects the structure of your home and the things you own. It includes cover for outbuildings, and permanent fixtures and fittings like your kitchen, bathrooms, household goods and clothes.

More about buildings and contents insurance

Protect your home’s structure and outbuildings too. It covers any permanent fixtures and fittings, such as plumbing, wiring and kitchen / bathroom fittings for things like fire, theft and storm.

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Protect the things you own in your home. It includes cover for household goods, furnishings and clothing for things like fire, theft and storm.

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Always here to help Make claims easily online or by phone. Plus, get access to our 24/7 Emergency helpline.

You decide the excess Pay the amount you want towards most claims. The higher the excess you choose, the less you could pay for your cover.

No hidden costs We won't charge you an admin fee for making any changes to your policy.

Support when you need it most Our Personal Claims Consultants can help with complex claims if we feel you need extra support

Options available with Home Insurance Select

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Away from home cover protects the things you have with you when you leave the house, like your phone, watch or bike. It includes students' contents in student accommodation up to £5,000. If you've named any high value items, you can also choose to cover these away from home.

Optional on Bronze, Silver and Gold.

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This covers you against accidental damage to your home and the things in it. So if a football smashes your window or a drink is spilt on your carpet, we’ll pay to repair the damage or replace your things.

Included with Silver and Gold.

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Included with Silver and Gold .

More about legal expenses cover

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This protects you against emergency repairs which wouldn't normally be covered by your home insurance. There's a 24/7 helpline, so if your boiler breaks down or your power fails, you can get help fast. It pays for repairs up to £1,000 a time. And there's no excess to pay.

More about home emergency cover

Halifax Home Insurance Select underwritten by Lloyds Bank General Insurance Limited.

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.