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Family Travel and School Holidays: Destinations and Points Strategies

Family Travel and School Holidays: Destinations and Points Strategies
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Family travel during school breaks and holidays can be complex and expensive, especially when holiday periods are fixed. Some parents may choose to let their children miss school to travel for less or extend their trips, while others prefer not to take this approach.

However, with careful planning and the strategic use of rewards programs, it is possible to travel without it costing too much. Even better, some parents achieve this without their children missing any school.

This article offers a selection of destinations, organised by school break periods in Canada, to help maximise family fun while respecting academic requirements.

Travelling With a Large Family: Introduction - familles-2

School Calendar in Canada: How to Make the Most of It for Travel

Planning a family vacation during school holidays in Canada requires a good understanding of the school calendar, which varies slightly depending on the type of school your children attend. While some periods are common to all schools, others may differ, notably between different provinces or between public and private establishments.

School Break Periods in Canada for Family Travel

The Canadian school calendar generally follows this cycle:

  • Holiday season (all schools): late December to early January
  • School break (all schools): mid-February to mid-March, depending on school board and province
  • Summer holiday (all schools): late June to late August
  • Easter break (some private schools): often a full week, between late March and mid-April
  • Fall break (some private schools): usually the first week of November
Travelling With a Large Family: Introduction - familles-3

How to Travel with Children During School Holidays Without Breaking the Bank

Travelling as a family during school holidays in Canada requires careful planning, especially if you want to use your rewards points to save money. Whether it’s for busy periods like Christmas or school breaks, or for more spontaneous getaways, some strategies remain effective throughout the year.

Family Travel During School Holidays – Plan Early or Last Minute

The key to a successful trip starts with good planning. For high-demand periods, it’s advisable to book between 9 and 12 months in advance, especially if you want to use loyalty points (e.g. Aeroplan). This guarantees better availability and lower fares. Indeed, some airlines, like Air Canada, adopt dynamic pricing, while others follow fixed prices, but with very limited space.

For more flexible families, it’s also possible to take advantage of last-minute offers. By subscribing to alerts on platforms like Roame or using dynamic search tools, you can seize interesting opportunities, often at reduced prices.

Family Travel During School Holidays – Be Flexible with Dates and Destinations

Flexibility is a major asset. Sometimes, shifting your departure by a day or two – for example, leaving on a Thursday instead of a Saturday – can significantly reduce costs and improve ticket availability.

Before you make any plans, check with your child’s teacher to find out about important dates that can’t be missed, such as exams or unmissable school activities. For example, my sister recently told me that her daughter had exams until mid-June, but that the last week of school was rather quiet. Translation: it might be possible to leave a few days before school officially ends. This kind of adjustment can make all the difference, both in terms of price and availability.

Likewise, open yourself up to several destinations or combine itineraries. For example, landing in a major city like Paris, then taking a flight on a low-cost airline to your final destination may be more economical.

Family Travel During School Holidays – Rely on the Most Flexible Program

Among the various options available, the American Express Membership Rewards program stands out as the most versatile and advantageous for families with school schedules. It allows points to be transferred to several airline programs (such as Aeroplan, Avios, or Flying Blue) or hotel programs (Marriott Bonvoy, Hilton Honors), often offering far greater value than the price paid in cash.

These programs sometimes also offer useful features for families, such as Aeroplan Family Sharing, fixed-rate award tickets for little ones, and the 25% discount for children with Flying Blue, among others.

For example, it is sometimes possible to book a night at a Marriott or Hilton hotel for a very favourable number of points, even when the cash rate would be prohibitive during that period. You can also find attractive flight rewards, even during peak periods such as the holidays or spring break.

Why Are Membership Rewards Points Perfect for Family Travel During School Holidays?

But what makes this program even more interesting is its ultimate flexibility: if you find a good cash price (flight, hotel, car rental, etc.), you can simply use your points as statement credit against any purchase made with your card. This feature acts as a safety net, preventing you from getting stuck in a single points ecosystem. Finally, if you decide not to travel, you can use these points towards any purchase, such as groceries, to simply ease your everyday budget.

This approach allows you to always maximize the value of your points, regardless of price fluctuations or availability, while retaining great freedom in planning your family vacation.

Finally, Membership Rewards points are among the easiest to accumulate, whether on a daily basis with the American Express Cobalt® Card or through generous welcome bonuses. Indeed, on cards like the American Express Platinum Card® or the Business Platinum Card® from American Express the offers are very high.

With the American Express Cobalt® Card you can earn up to 5 points per dollar on all your grocery and restaurant expenses. The balance can add up fast!

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Family Travel During School Holidays – Use Tools to Optimize Your Bookings

Several online tools make it easy to find the best deals:

These platforms allow you to quickly compare options, adjust your plans, and get the best value for your money. The ability to set up alerts is especially useful when you want to be notified as soon as availability matches your criteria.

Family Travel During School Holidays – Maximise Long Weekends and PD Days

Even short breaks can become wonderful opportunities for a family getaway. Long weekends, PD days, or well-timed school holidays are perfect for planning a trip without having to travel far or take extended time off.

For example, when I was in high school, we often had one or two PD days added to the Easter break. This meant we ended up with five or six consecutive days off. Many students took advantage of this to travel with their families, whether it was to the United States, down south, or even to Europe. These types of windows are great for minimising the impact on the school calendar.

Family Travel During School Holidays – Take Advantage of Your Credit Card Travel Benefits

Choosing the right credit card isn’t just a question of points: it’s a powerful tool for enhancing your family travel experience during school holidays. Some credit cards offer comprehensive travel insurance (cancellation and interruption of stay, emergency medical care, flight delay, lost luggage, etc.), which is ideal for travelling with peace of mind when you have children.

What’s more, free access to airport lounges means you can wait in comfort, with snacks, Wi-Fi and a quiet environment – a valuable asset for families, which I personally appreciate when travelling with our young children. Many cards also include annual credits to cover baggage fees, NEXUS membership and more.

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Some also offer generous welcome bonuses in points, sometimes enough to cover several plane tickets or hotel nights. By optimizing the benefits of your cards, you can travel more often, in better conditions, and at lower cost.

Holiday Season: Where to Travel with Children During the Christmas Break?

The Christmas holidays, with a two-week break, are an excellent opportunity for families to get away together, despite rising prices and the popularity of destinations at this time of year. By booking early (ideally 9 to 12 months in advance) and making smart use of your Aeroplan points or travel points, it’s entirely possible to treat yourself to a memorable stay.

For those in search of warmth, the Caribbean, Mexico, Costa Rica and Florida are undeniable classics. There are also more original options, such as Sri Lanka, Thailand or southern Africa, where the climate is dry and pleasant, perfect for alternating between safari adventures and relaxing by the sea.

If you’re more drawn to a winter atmosphere, the Christmas markets in Central Europe (in Vienna, Prague, or Strasbourg) are an excellent choice and can even be combined with a ski holiday in the Alps. This season is also ideal for discovering Japan or South Korea from a different perspective, with winter festivals and ski resorts that are growing in popularity.

March Break: Sun or Ski Destinations for Families

Between mid-February and mid-March, many Canadian families look forward to Spring Break. As it’s a relatively short holiday, it’s best to choose destinations that are easily accessible, with direct flights or just one stopover.

All-inclusive resorts in the South (Cuba, Dominican Republic, Mexico) are convenient, especially with young children. By using your points, you can often offset the cost of the package, either by paying partially or entirely with travel points.

Winter sports enthusiasts can also consider the Canadian Rockies or the French Alps. However, a higher budget is required, especially for accommodation and ski lifts. Booking flights on points, even in economy class, remains a winning strategy for reducing the bill.

Easter: Where to Travel in Spring with Children?

If your children have a break during Easter, which is sometimes the case in private schools, you can combine up to ten days off with statutory holidays and weekends. This window is ideal for more ambitious trips, especially to Asia or Europe.

Japan, South Korea, and Taiwan are stunning at this time of year, especially because of the cherry blossom season. This breathtaking natural spectacle is well worth the trip, even for a week-long holiday, particularly for families on the West Coast. With careful planning of your flights using Aeroplan, it is often possible to find appealing routes with only one stopover, even during peak season.

In Europe, spring is mild in southern France, Spain, Portugal and southern Italy. These regions offer a fine balance of culture, gastronomy and pleasant weather, with fewer crowds than in summer.

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Summer Holidays with the Family: Affordable Destinations Using Points

With two months of school holidays, summer is the perfect season for longer or more ambitious family trips. However, you need to contend with higher prices in popular destinations. To avoid crowds and sweltering heat, it is often recommended to skip Southern Europe or the Caribbean in favour of more temperate regions. Of course, this depends on your personal preferences.

Northern Europe, the Baltic States and Central Asia, such as Mongolia, Kyrgyzstan and Kazakhstan, offer spectacular scenery and an ideal climate. The midnight sun in Scandinavia, hiking in the Alps, or nights in a yurt on the Mongolian steppes create unforgettable memories for everyone.

For the budget-conscious traveller, we’ve compiled a selection of affordable destinations to travel to without breaking the bank, focusing on opportunities to maximize travel rewards and practical tips for cutting costs without sacrificing quality.

Another winning option: road trips in North America. Take a look at our comprehensive guide to the best road trips in Canada to find accessible and inspiring itineraries, whether for a long summer trip or a weekend getaway. These itinerary ideas will help you make the most of your journey by optimising your routes and maximising the use of your points.

Autumn: Family Travel Ideas for the Fall Break

For those lucky enough to have one, fall break (in October or November, depending on the private school) is an ideal time to travel at a lower cost. Fewer tourists, more availability for flights using points, and affordable accommodation make it the perfect opportunity for a trip without breaking the budget.

East Coast cities such as Boston, New York and Philadelphia glow in autumn colors, as do the Canadian Rockies. On the sunny side, the Middle East (Jordan, Egypt) and North Africa (Morocco, Tunisia) offer perfect temperatures for visiting without suffocating. Southern Europe also remains a safe bet: a stay in Portugal at the end of October, for example, can be very pleasant, far from the summer crowds.

Bottom Line

Respecting the school calendar while exploring the world with your children is a challenge… but far from impossible. With good organization, a well-honed points strategy and a touch of flexibility, it’s entirely possible to enjoy enriching, exotic and affordable experiences, without compromising your children’s education.

Whether you are escaping the Canadian winter, taking advantage of the long summer holidays, or making the most of less busy breaks like Easter or autumn, every season offers unique opportunities to discover the world as a family. Reward programs such as Aeroplan, travel points, or Marriott Bonvoy become valuable tools to help you travel more often, farther, and at a lower cost.

After all, travelling with children is much more than just a break in the school year. It’s an opportunity to learn differently, create lasting memories, and strengthen family bonds. With the right tools and a little creativity, every vacation becomes a new adventure.

Annual fee
$191.88
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$255
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Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The American Express Cobalt® Card is the best credit card from American Express, whether you want points for travel or cash back.

American Express Cobalt® Card welcome offer

The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer we value at $255.

Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase.

You can use these points as statement credits on everyday or travel purchases, at the same rate either way: 1,000 points = $10.

You can also transfer them to Aeroplan, Avios (British Airways and Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors. With the full welcome bonus, that is a choice between:

  • 15,000 Aeroplan points
  • 15,000 Avios points
  • 15,000 Flying Blue Miles
  • 18,000 Marriott Bonvoy points

If hotel points are what you are after, our ultimate guide to Marriott Bonvoy and our complete map of Marriott Bonvoy hotels by category show what those points can actually buy.

American Express Cobalt® Card benefits

Here is what the card gives you, starting with the benefits cardholders use most.

  • 5X points on eligible eats and drinks in Canada: groceries, restaurants and bars, home food delivery and convenience stores. A spend cap applies.
  • 3X points on eligible streaming subscriptions in Canada.
  • 2X points on eligible gas, public transit and ride sharing purchases in Canada.
  • 1 additional point on eligible hotel and car rental bookings made through American Express Travel Online.
  • 1X point per dollar on everything else, with no category restrictions.
  • Points that hold the same value either way: 1,000 points = $10 as a statement credit, or a 1:1 transfer to several airline and hotel loyalty programs.
  • No minimum income requirement, as with every American Express Canada card.
  • Additional cards at no extra cost: the first and every other supplementary card is $0.
  • The Hotel Collection: a room upgrade when available, 12pm check-in and late check-out when available, and up to $100 USD in hotel credit on amenities charged to the room for a stay of two or more consecutive nights, booked through American Express Travel.
  • Front Of The Line® presale and reserved tickets for concerts and theatre performances, plus offers and events curated for cardmembers through Amex Experiences.
  • A soft credit check before you apply: you can see whether you will be approved with no impact to your credit score. This applies to American Express personal card applications.

To see how it compares with the rest of the line-up, read our round-up of the best credit cards from American Express in Canada.

The 5X categories and where they apply

The 5X rate is the reason most people carry this card. In Canada it covers four kinds of merchants:

  • Groceries: Metro, IGA, Sobeys, Super C, Safeway, Whole Foods.
  • Restaurants and bars: sit-down meals, takeout and drinks.
  • Home food delivery.
  • Convenience stores: Couche-Tard, 7-Eleven.

The 2X rate covers gas stations such as Esso, Shell and Petro-Canada, along with public transit and ride sharing.

With the American Express Cobalt® Card, you earn between 1 and 5 points per dollar:

Category Points per dollar
Grocery (Metro, IGA, Sobeys, Super C, etc.) 5
Home food delivery 5
Restaurants and bars 5
Convenience stores 5
Streaming services 3
Service station 2
Transport 2
Travel 1
Other 1

That works out to a 1 to 5% return on those purchases. For example, if you spend $1,000 per month across groceries, restaurants and food delivery, you earn $50 back per month, or $600 per year from that category alone. Transfer the points to a program such as Aeroplan instead and the return can be higher.

You can also stack these categories with the hundreds of stores that offer 5x points.

American Express Cobalt® Card insurance coverage

The card comes with a broad insurance package. The amounts below are the coverage limits; conditions, age limits and exclusions are set out in the certificate of insurance linked in the Insurance section above.

Travel insurance

  • Emergency medical: up to $5,000,000 for the first 15 days of a trip.
  • Travel accident: accidental death and dismemberment of up to $250,000 for you, your spouse and dependent children under age 23 when travelling on a common carrier (plane, train, bus or ship) and the tickets are charged to your card. Supplementary cardholders and their families are covered too.
  • Flight delay: up to $500 for necessary hotel, meal and sundry expenses bought within 48 hours when you are delayed or denied boarding for four hours or more and no other transportation is available. This $500 is an aggregate limit per occurrence, shared with missed connection and delayed baggage coverage.
  • Delayed baggage: up to $500 for essential clothing and sundries bought within four days when your outbound luggage is delayed six hours or more. This $500 is an aggregate limit per occurrence, shared with missed connection and flight delay coverage.
  • Lost or stolen baggage: up to $500 per occurrence for all insured persons combined, for checked or carry-on baggage and personal effects in transit, when the airline tickets are charged to your card. Within that limit, jewellery is capped at $300 per occurrence and golf clubs, including golf bags, at $250 per occurrence.
  • Hotel and motel burglary: up to $500 against the loss of most personal items if your hotel or motel is burglarized, when the stay is charged to your card.

Rental car insurance

Theft and damage coverage is included for a rental car with an MSRP, for its model year, of up to $85,000 excluding all taxes, for rentals of up to 48 days. To use it, decline the Loss Damage Waiver (LDW) or any similar option from the rental company and charge the full rental to your card. There is no cost for this coverage, and it replaces the daily insurance the rental company charges, usually $16 to $23 per day.

Mobile device insurance

Your device is covered for up to $1,000 per occurrence when it is charged to the card, for up to two years from the date of purchase. The payout is based on the depreciated value of the device, which falls by 2% of the purchase price for every completed month, less a 10% deductible. Theft and accidental damage coverage starts on the 91st day after purchase, because the first 90 days are covered by purchase protection.

Purchase protection and extended warranty

Eligible items charged to your card are insured against accidental physical damage or theft for 90 days from the purchase date, up to $1,000 per occurrence for all items combined. The card also extends the original manufacturer’s warranty by up to one additional year on eligible items, with indemnification limited to $10,000 per insured item and $25,000 per Cardmember per policy year for all items combined.

American Express Cobalt® Card fees

  • Card fee: $15.99 per month, which equals $191.88 per year, for residents outside Quebec. Quebec residents are billed $191.88 per year.
  • Additional cards: $0.
  • Purchase interest rate: 21.99%.
  • Cash advance interest rate: 21.99%.
  • Foreign transaction fee: 2.5%.
  • Minimum income required: none.

Because the fee is billed monthly rather than in one annual charge, you can stop and restart the cost in step with how much you are actually using the card.

Annual fee

Primary card$191.88
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xRestaurants
  • 5xGroceries
  • 5xConvenience
  • 3xStreaming
  • 2xTransit
  • 2xGas & EV
  • 1xAll spending

Value

1st Year Value$1,828
2nd Year Value$799

Transfer partners

  • AeroplanAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • Etihad GuestAirline
  • Flying BlueAirline
  • Hilton HonorsHotel
  • Marriott BonvoyHotel

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $250,000

Purchase protection

Purchase ProtectionUp to $1,000 / 90 days
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

How to travel as a family during school holidays without breaking the budget

The key is planning. Book 9 to 12 months in advance or watch for last-minute offers. Use your reward points (Aeroplan, Membership Rewards, etc.) to cover some or all of your flights and accommodation.

What are the best times to travel with children in Quebec?

The ideal times are Christmas, spring break, summer, Easter, and sometimes autumn (in certain private schools). Take advantage of long weekends and professional development days for shorter getaways as well.

Which rewards programs are best for families?

The American Express Membership Rewards program stands out for its flexibility: transfer to other programs, direct payment for travel purchases or statement credit. It’s ideal for families with a fixed school calendar.

What tools can help you optimize bookings with points?

Use Google Flights, Roame, Seats.aero, ExpertFlyer and Awayz. These tools make it easy to find award tickets or low-cost hotel nights, depending on your dates and destinations.

Where to go with children during the school breaks?

Winter: Southern destinations, wintertime Europe, or Asia (for example, Japan). Spring break: all-inclusive resorts or ski trips. Spring: Japan, Southern Europe. Summer: Northern Europe, the Balkans, road trips. Autumn: East Coast, Morocco, Portugal. Choose based on the length of your holiday and available flights.

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Annual fee
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$990
Milesopedia first-year estimateFirst-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
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Ends Sep 22, 2026
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Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The Marriott Bonvoy® American Express®* Card is the best credit card in Canada for free hotel nights.

New Cardmembers can earn up to 110,000 Marriott Bonvoy® points with the current offer:

  • Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
  • Plus, earn 30,000 points by making a purchase during your 15th month of Cardmembership.

This offer ends on September 22, 2026. The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost.

Every year after your first Card anniversary, you receive an Annual Free Night Award good for a redemption of up to 35,000 points at eligible hotels and resorts worldwide. At a valuation of 0.9 cents per Marriott Bonvoy point, that certificate is worth roughly $315, which on its own more than covers the $120 annual fee. That is the main reason to keep this Card year after year instead of cancelling it.

To get the most out of the certificate, aim it at a night that would otherwise price close to the 35,000 point ceiling.

The Card also gives you 15 Elite Night Credits each calendar year and automatic Marriott Bonvoy Silver Elite status. Those credits count toward the next Elite tier, so you begin every year 15 nights ahead of where you would otherwise start.

You move up to Gold Elite status automatically when you reach $30,000 in purchases on the Card in a year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your Card.

Marriott Bonvoy points are generally valued at 0.9 cents each. On that basis, the 110,000 point welcome offer is worth about $990, and an Annual Free Night Award used at its full 35,000 point ceiling is worth about $315.

Marriott Bonvoy points pull their weight on free nights rather than on gift cards or merchandise, which is why this Card should be judged on the hotel stays it produces.

You earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy hotels and 2 points per dollar on all other purchases. Points can be redeemed for free nights with no blackout dates at more than 7,000 hotels around the world.

The Card carries a solid package of coverages: $500,000 travel accident insurance, flight delay, baggage delay, lost or stolen baggage and hotel or motel burglary at $500 each, car rental theft and damage up to $85,000 for rentals of up to 48 days, Purchase Protection for 90 days and a one year Extended Warranty.

Two things to plan around: the 2.5% foreign transaction fee on purchases made in a foreign currency, and the 21.99% purchase interest rate, which makes this a Card to pay in full every month. Like all American Express Canada Cards, no minimum income is published for this Card, and you can see whether you would be approved before you apply, with no impact on your credit score.

Annual fee

Primary card$120
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xMarriott Bonvoy hotels
  • 2xAll spending

Value

1st Year Value$1,437
2nd Year Value$312

Travel insurance

Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

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