(This site does not cater for winter sports, groups of 10 persons or more and for people aged 71and over)

• Budget
• Economy
• Club

Our travel policy is designed for holiday makers as well as business travel which does not involve manual work. The maximum duration of cover is 90 days. You must be a Maltese national and Travel must start and end in the Maltese Islands.

As soon as a deposit has been paid on your travel arrangements.

If, after the date of purchasing your policy/ booking trip, you unavoidably have to cancel or abandon the trip we will cover your deposit paid / unused travel accommodation / Unused kennel or cattery fees / additional travel expenses if you cannot use your return ticket as a consequence of one of the following reasons:

• One of the following people is seriously injured, falls seriously ill, is quarantined or dies:
  • You, your traveling companion or a person with whom you were going to stay
  • A close relative or a relative of your traveling companion
  • Your close business associates or those of your traveling companion
• You or your companion
  • being called as a witness for Jury
  • becoming unemployed through redundancy
  • being required by the police following burglary at home or at place of work
  • being prevented from traveling due to a government restriction following an epidemic or pandemic
• You or your companion's home becomes unhabitable following fire, explosion, subsidence, storm, flooding or impact which happen during the seven days prior to commencement date of your trip

Exclusions

• Any claim
  • for a medical condition for which you were planning to obtain medical treatment during your trip
  • arising from your not having the correct passport, visa or other entry documents resulting from a disease for which you did not have the recommended inoculations and/or took necessary medication

If you fall ill, become injured or die during the trip we will cover you for:

• Emergency medical treatment outside Malta and the country where you normally live including rescue services to take you to hospital
• Emergency dental treatment for immediate relief of pain only
• The cost of burying/cremating you in the country outside Malta where you die or the additional cost of returning your body/ashes to your home
• The cost of additional room only accommodation expenses if you are advised by a doctor that you should stay longer.
• The additional cost of returning home if it is medically necessary for you to return home.

If you are claiming for medical expenses under section 2, we will also pay you for the amount shown in the schedule for every 24 hours you are being treated as an in-patient in a hospital outside Malta towards incidental expenses (such as telephone calls).

• Traveling against advice of a doctor, any claim arising from Anxiety / depression previously diagnosed before departure, pregnancy if before or within 12 weeks of expiry of Period of Insurance, if you have been told you had a terminal illness, any claim for treatment for which we and the doctor think that you can wait until your return in Malta, medication which you knew you would need while being abroad, any additional costs because you have a single or private room, any treatment after you have returned to Malta.
• Motor cycling as a rider/ passenger unless wearing a crash helmet and as a rider you hold a valid motorcycle license provided machine does not exceed 125cc.
  • Participating in excluded activities (expeditions, manual work etc…)
  • Participating as a crew member on a vessel traveling from one country to another
• Any claim for a medical condition where you have received medical advice for a serious injury or illness
• Any claim for a medical condition if any of the following applied when you purchased your policy or booked your ticket, unless disclosed and the position accepted by us:
• Received advice/medication/treatment for any serious, chronic or recurring illness in the last 12 months
• Were under investigation/awaiting results for any diagnosed or undiagnosed condition.
• Were on the waiting list for in-patient treatment for any diagnosed or undiagnosed condition.

Legal liability for damages, claimant's cost and expenses in respect of an accident during your trip which result in death or bodily injury of a person or accidental loss/damage to property.

Exclusions

• Any fines or exemplar damages you have to pay
• Any liability arising from:- someone being injured/falling ill/dying while they are working for you, death or injury to people who are members of your household or who are your close relatives and your traveling companions, loss or damage to property which belongs to you or is in your care, your involvement in manual work, damage in connection with use of vehicle, marine craft, aircraft, caravan, dangerous animals, liability falling under a contract, liability falling under trade, business or profession, your involvement in excluded activities

We will pay you:

• The amount shown in the schedule for every full 12 hours period you are delayed in leaving Malta or on the final part of your return journey back to Malta.
• Your unused travel and accommodation costs which you have paid or legally contracted to pay but cannot get back, if you choose to abandon your journey after you have been delayed for more than 24 hours.
• The unused kennel or cattery fees which you have paid which you cannot get back

Exclusions

• Any claim
  • caused by a strike/industrial action that was public knowledge when booked your trip or when purchasing the policy
  • made for unused travel or accommodation arranged by using air miles or similar packages

We will pay the cost of additional accommodation and travel expenses necessarily incurred to transport you to your destination due to an interruption of scheduled public services or the vehicle in which you are traveling is involved in an accident or breaks down.

Exclusion

• any claim where the carrier has offered reasonable alternative transport

We will cover you for accidental Death or Bodily injury which occurs during your trip which directly results in your:

• Death
• Loss of one or more limbs and/or total loss of sight in one or both eyes
• Permanent total disablement

Exclusions

• Any claim for sickness, disease, nervous shock or naturally occurring condition or degenerative process
• Suicide, attempted suicide, intentional self-injury or deliberate exposure to danger
• Exclusions applicable under Section 1, 2 & 3 of the policy.

If during your trip you accidentally lose your personal belongings or if they are stolen or accidentally damaged for the cost to replace or repair them after deducting for wear and tear and depreciation.

Main exclusion:

• Loss of/theft/damage to items left unattended
• Loss of/Damage to:
  • suitcases unless they are no longer usable
  • fragile articles,
  • Laptops
  • Valuables
• Items used in connection with your job
• Any goods delayed, detained or confiscated by customs
• Any loss or theft which you do not report to the police and obtain a written report from them within 24 hours of discovery. Where this is not possible, you must obtain an independent proof of your loss such as a letter from your transport company or hotel

We will cover purchasing of essential items if your luggage is temporarily lost or delayed for more than 12 hours.

Exclusions

• Any luggage delayed, detained or confiscated by customs or other officials

If your passport/visa is lost or stolen whilst abroad, we will cover you for the necessary and reasonable extra travel, accommodation and communication expenses you have to pay in order to obtain a temporary passport/visa and the actual cost of temporary documents

Exclusions

• Any loss or theft of passport/visa
  • Which you do not report to the police within 24 hours of discovery
  • Whilst left unattended

We will pay you if your personal money is lost or stolen during your trip.

Exclusions

• Any loss or theft of personal money
  • Which you do not report to the police within 24 hours of discovery
  • Any personal money delayed, detained or confiscated by customs or other officials
  • Not carried in your hand luggage whilst traveling
  • Whilst left unattended
• Shortages due to a mistake or loss due to a change in exchange rates

We will cover you for the amount shown in the schedule for each and every completed period of 24 hours that you are restrained in the event of hijack of the transport on which you are traveling.

We will not cover for any claim which is not substantial by a report from authorities concerned showing full details of the event

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• All losses must be reported to police within 24 hours of occurrence
• In the event of non delivery of luggage / damaged baggage / theft from baggage whilst baggage is checked-in you are to request a damage report from airline before exiting airport customs. A detailed list of missing items is to be provided to the airline within 3 days.
• Claims in respect of loss of monies must be accompanied by foreign exchange receipt from an authorized dealer.
• If you are entitled to claim for travel delay or an airline has cancelled / rescheduled a flight you are requested to produce a letter in writing from airline.
• Medical reports and prescriptions are required in the event of a claim under medical expenses.
• A Travel Claim Form may be downloaded click here

European Health insurance Card : As an EU National you are entitled to obtain free or reduced cost emergency treatment within the European Economic Area. This card does not in any way supersede your travel insurance but it may cover emergencies which do not form part of an existing medical condition. Apply at http://www.sahha.gov.mt/pages.aspx?page=190 .