Compare Travel Insurance for Malta
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Key Things to Know about Travel Insurance for Malta
- Beyond GHIC: Travel insurance is vital for Malta to cover repatriation and theft, which GHIC/EHIC do not provide.
- Regional Savings: Malta is categorised as "Europe" for annual multi-trip policies, usually making premiums cheaper than worldwide cover, with annual policies often offering better value for frequent travellers.
- Activity Checks: Verify that policy limits cover high-value cameras for city tours, specific diving depths, and side trips to Sicily.
- Full Disclosure: You must declare all medical conditions to ensure your policy remains valid.
Travel insurance for Malta
Malta ticks a lot of boxes when it comes to choosing a holiday destination:
- It’s only a three-hour flight from the UK
- Gorgeous, sunny weather for most of the year
- Crystal clear water
- It has over 7,000 years of history
But in order to enjoy all of this with peace of mind, you should consider travel insurance.
Think of it as a pocket-sized win; you invest a relatively small sum of money which can prevent you from having to pay out an objectively large sum of money if you have an accident.
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Do I need travel insurance for Malta?
It’s not a legal requirement to have travel insurance if you’re visiting Malta. But it can be very helpful before and during your trip. Travel insurance fills all the protection gaps that both the GHIC and EHIC have.
GHIC only gives you access to emergency care in public hospitals at the same cost as a local. So while in Malta, with a GHIC card, you can get access to free public healthcare, the same as a Maltese resident.
- Medical repatriation
- Cancellation cover
- To replace your lost or stolen belongings
That’s where travel insurance comes in, as it covers all this and more.
Is Malta in Europe for travel insurance?
For travel insurance purposes, Malta is almost always categorised as ‘Europe’. This usually makes it more affordable than worldwide policies, which are more expensive because of the need to account for the USA and other countries with very high medical costs. When buying a single-trip policy for Malta, type "Malta" directly into the destination box during the quote process. The system will automatically categorise it under a cheaper "Europe" policy. ensuring you get the correct coverage without paying the higher rates associated with worldwide travel.
If Malta isn’t the only trip you're taking this year, it may be worth considering an annual multi-trip policy. These policies are often better value for money than buying a single trip policy for each journey; it will save you time too, as you don’t have to buy a new policy each time you travel.
Choosing the right cover for your Maltese adventure
Culture and History
Exploring the UNESCO-listed streets of Valletta or the ‘Silent City’ of Mdina can be a magical experience; however, these areas can be a magnet for thieves. While Malta is generally quite a safe country, theft and petty crime still exist.
Most standard policies usually cover guided walking tours, but it can be a good idea to make sure your single item limit (the maximum monetary value for each item) is high enough to cover your most expensive item. For example, if your single-item limit is £1,000 but you have a camera worth £4,000, the full value of your camera won’t be covered if it’s stolen.
Watersports
Malta, Gozo, and Comino are home to some of Europe’s finest dive sites, including the world-famous Blue Hole. Standard policies generally cover diving only up to either 18m or 30m. If you’re planning to dive deeper than this, you may need an activity-specific add-on. Check your policy documents for wording such as ‘watersports’ or ‘extreme sports’.
Island Hopping
Sicily is less than 2 hours away by boat, but the trip can sometimes be disrupted by bad weather. This is where cancellation cover comes in handy. It will protect you from losing your money if high winds or technical issues keep it in the dock/bay.
If you have a single trip (ST) policy specifically for Malta, it may be helpful to check the territorial limits before heading to Sicily. While both are in the EU, some ‘destination-specific’ single-trip policies may not extend your cover to Italy, unless you declared it when you purchased it.
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Travel insurance for pre-existing medical conditions
A pre-existing condition such as diabetes or high blood pressure doesn't mean you can’t enjoy the Maltese sun. We can help you find the right travel insurance policy for your condition and your trip. You can then enjoy your holiday knowing that if your condition were to flare up, you wouldn't have to pay potentially thousands of pounds extra to be treated.
It’s very important to tell your insurer everything, down to which medication you have to take, in your medical screening; if you were to leave something out, it can risk invalidating your policy.