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Halifax travel insurance review

Read Which?'s expert review of Halifax's travel insurance. Find out how we rate Halifax's policy and how it compares to dozens of other travel insurance providers.

In this article
Halifax travel insurance overview How good is Halifax travel insurance? Should you buy Halifax travel insurance?
Is Halifax's travel insurance coronavirus proof? Halifax travel insurance: how can I claim? Get top money-saving tips from Which?

Halifax travel insurance overview

Halifax Travel Insurance comes with its Ultimate Reward Current Account packaged account.

The account also offers AA breakdown cover, mobile phone insurance and home emergency cover, for a fee of £17 a month.

Its policies are underwritten by AXA Insurance UK plc.

How good is Halifax travel insurance?

Policy name Policy type Max trip length Max age Policy score

Covid rating

 

(What's this?)

How well a policy covers you for typical coronavirus-related disruption. Ratings run from basic (worst) to low, superior and complete (best).

Halifax Ultimate Reward Current Account Annual and single trip 45 days 70 years old (annual) / 75 years old (single) Logged out score Superior

 

How we analyse travel insurance

 

We analyse and rate 52 key elements of travel insurance policies to come up with the overall policy score. We assess how important each individual element is to travellers when choosing and using a travel insurance policy, and weight it accordingly when calculating our total policy score.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact on the overall policy score.

Should you buy Halifax travel insurance?

We've rated hundreds of policy details to come up with a combined expert policy score. Members can log in to read our full policy analysis.

If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of Halifax's travel insurance rated

   

Ultimate Reward Current Account

Weighting Policy element Details Rating
Most important Medical expenses - limit per claim Logged out detail Logged out padlock
Most important Medical repatriation - limit per claim Logged out detail Logged out padlock
Most important Private healthcare covered in an emergency (if no alternative)? Logged out detail Logged out padlock
Secondary Pre-existing medical conditions covered? Logged out detail Logged out padlock
Secondary Dental treatment - limit per claim Logged out detail Logged out padlock
Other Hospitalisation cover - limit per claim Logged out detail Logged out padlock
Other GHIC excess waiver Logged out detail Logged out padlock

Table last updated in June 2021. Next update in June 2022.

To see how Halifax's travel insurance compares with other policies, check out our guide on the best and worst travel insurance.

Is Halifax's travel insurance coronavirus proof?

We contacted 86 travel insurers and quizzed them on whether their policies cover coronavirus-related incidents.

Specifically, we wanted to know if four scenarios would be covered: needing treatment for coronavirus abroad; having to cancel because of a positive test; having to cancel because of self-isolation or having to cancel because of government advice.

We've rated insurers' coronavirus cover, and explained what they offer, including any relevant exclusions.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews

Halifax travel insurance: how can I claim?

For emergencies abroad call +44 (0)113 242 1984, if you hold travel insurance through Halifax's Ultimate Reward Current Account.

To make a claim call 0345 124 1400 in the UK or +44 1633 439 015 if abroad.

Before calling for cancellation claims, you should contact your travel agent and/or airline to seek a refund or to move your trip.

You'll need your policy document when you call.

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