Travel FAQs

Travel insurance can be purchased by any person who has not yet reached the age of 76 prior to the commencement of the period of insurance.

Any item is covered up to a limit of € 250. There is an excess of € 35 in respect of any loss or damage under Section 4: Personal Baggage. 

Under a travel insurance policy the limit of € 250 cannot be increased. However, if you have a home insurance policy, the items can be included under the All Risks section subject to your Home Contents being insured.

Any claims arising from pre-existing medical conditions are not covered.

If you need to visit a doctor, your policy will cover you for the doctor’s fee as well as the prescribed medication (subject this is not a pre-existing medical condition).

Your policy also covers you if you need to go to a state or private hospital. It is important that you contact us immediately in case you need to remain as an inpatient. We could organise a direct settlement.

Yes. The policy can be extended to cover you world-wide subject to an appropriate additional premium.

Yes. The policy can be extended to cover you for winter sports subject to an additional premium. By winter sports, we mean skiing as arranged by ski-schools for their guests, ski-jumping and the use of bobsleighs or skeletons.

Yes. You will be covered in respect of cancellation, curtailment or change of itinerary of your flight, following natural catastrophes.

If you are travelling in Europe as a Maltese citizen, you have a certain level of protection in any medical emergency that might occur provided you have a European Health Insurance Card (E111) This gives you reduced-cost or even free access to necessary medical treatment in any EU country (as well as Iceland, Liechtenstein, Norway and Switzerland). However, there is no such safety net outside of Europe. If you are travelling to say, America, the obvious course of action is to have a worldwide travel insurance policy that covers medical expenses.

Getting the right treatment whilst you are abroad can feel challenging, especially if you aren’t sure about how medical care works in the country you are visiting, or if you don’t speak the language.

Tip 1: Make sure you have the right information available to you before you travel – medical insurance is a must.Research is one’s best friend when it comes to a new destination. You might start with a chat to your local doctor or the Ministry of Foreign Affairs before turning to the internet for up-to-date. Wherever your destination, make sure that your travel insurance covers all the basics: medical and health insurance for an injury or sudden illness abroad and 24-hour emergency assistance.

Tip 2: Make sure you have the right jabs.

This is an important area, and the simplest answer is to check with your GP.