Lampuki Lampuki.com

Travel Insurance Malta — Compare & Save

Compare single trip and annual travel insurance from Malta's top insurers. Medical, cancellation, baggage & more — free quotes in 2 minutes.

✓ Up to €10M medical cover ✓ Single trip & annual policies ✓ 24/7 emergency assistance
1
2
3
4

Trip Details

Travel Insurance from Malta: A Complete Guide

Maltese residents are among the most well-travelled in Europe — with direct flights from Malta International Airport to over 100 destinations, weekend breaks to Sicily, annual holidays in the UK, and long-haul adventures further afield are all part of Maltese life. Travel insurance is the essential safety net that protects your trip investment and, critically, your health when something goes wrong abroad.

Without travel insurance, a single medical emergency in the USA could result in a bill exceeding €100,000. A cancelled holiday with non-refundable hotel and flight bookings could cost €2,000–€5,000. At Lampuki.com, we compare travel insurance from Malta's leading insurers so you can travel with genuine peace of mind.

Travel Insurance Cover Levels Explained

Benefit Basic Standard Premium
Emergency Medical €2M €5M €10M
Medical Evacuation ✓ ✓ ✓
Trip Cancellation €1,500 €3,000 €7,500
Baggage & Personal Effects €500 €1,500 €3,000
Travel Delay (per day) €25 €50 €100
Personal Liability €500K €1M €2M
Personal Accident €15K €25K €50K
Dental Emergencies €150 €300 €750
Adventure Sports Cover ✗ Add-on ✓
Pre-existing Conditions ✗ Declared Declared

Indicative limits — actual policy limits vary by insurer. Always read the full policy wording.

Travel Insurance by Destination

Europe (Schengen Area)

Most affordable option for Maltese travellers. Your EHIC card covers emergency state care, but travel insurance fills the gaps — cancellation, baggage, delays, and private care. Typical single-trip premium: €10–€30.

United Kingdom

Post-Brexit, the UK is no longer part of the EU healthcare agreement. A separate travel insurance policy is essential for UK trips. EHIC cards no longer apply in the UK.

USA & Canada

Highest medical costs in the world. Always buy comprehensive cover with the highest medical limit available. A single night in a US hospital can cost €5,000–€20,000. Don't cut corners here.

Asia

Hugely variable — medical standards range from world-class (Singapore, Japan, Bangkok private hospitals) to very basic in rural areas. Ensure your policy includes evacuation to a suitable facility.

Australia & New Zealand

Australia has a reciprocal healthcare agreement with Malta (as EU citizens). However, this is limited — private hospital, dental, and evacuation are not covered. Travel insurance remains strongly recommended.

Worldwide

If your itinerary spans multiple regions or includes unpredictable destinations, a worldwide policy gives the broadest protection. Often not much more expensive than regional cover.

Single Trip vs Annual Multi-Trip: Which is Right for You?

1Single Trip

  • ✓Best if you travel once or twice a year
  • ✓Lower upfront cost for one trip
  • ✓Cover tailored to the specific destination
  • ✗More expensive per trip if you travel frequently

∞Annual Multi-Trip

  • ✓Best for 3+ trips per year
  • ✓No need to remember to buy insurance each trip
  • ✓Covers unlimited trips (up to duration limit)
  • ✗May have per-trip day limits (31–90 days)

Frequently Asked Questions — Travel Insurance Malta

Do I need travel insurance when travelling from Malta? +
Travel insurance is not legally mandatory, but it is strongly recommended. As a Maltese resident travelling within the EU/EEA, your European Health Insurance Card (EHIC) entitles you to emergency state healthcare in other EU countries — but the EHIC does not cover private treatment, repatriation, trip cancellation, baggage loss, or travel delays. A comprehensive travel insurance policy fills all these gaps. For travel outside the EU (especially the USA, Canada, or non-EU countries), medical bills can run to tens of thousands of euros — travel insurance is essential.
What does travel insurance cover? +
A standard travel insurance policy from Malta typically covers: emergency medical expenses and hospitalisation abroad; medical evacuation and repatriation to Malta; trip cancellation or curtailment (if you need to cancel or cut your trip short due to illness, bereavement, or other covered reasons); baggage loss, damage, or delay; travel delay and missed connection cover; personal liability (if you accidentally injure someone or damage property abroad); and personal accident (lump sum benefit for permanent injury or death). Premium policies also include cancellation for any reason, cruise cover, adventure sports, and higher limits.
What is annual multi-trip travel insurance? +
If you travel three or more times per year, an annual multi-trip policy is almost always better value than buying a single-trip policy each time. You pay one annual premium and are covered for an unlimited number of trips throughout the year, subject to maximum trip duration limits (typically 31–90 days per trip). It's especially popular with Maltese expats, frequent business travellers, and families who travel regularly within Europe and beyond.
Does travel insurance cover pre-existing medical conditions? +
This depends on the policy and the condition. Some travel insurance policies automatically cover stable, well-managed conditions (e.g., controlled hypertension or type 2 diabetes). Others exclude pre-existing conditions unless you declare them and pay an additional premium. If you have a significant medical history, it's crucial to declare all conditions when getting a quote — failing to do so can invalidate a medical claim. Some Maltese insurers offer specialist policies for travellers with serious medical conditions.
Is travel insurance more expensive for older travellers? +
Yes. Premiums increase with age, particularly for travellers over 65, as the statistical likelihood of a medical claim is higher. However, specialist travel insurance for older travellers is widely available in Malta, and comparing quotes is especially valuable in this age group where premiums can vary significantly between insurers.
Does travel insurance cover adventure sports? +
Standard travel insurance policies typically exclude hazardous activities such as skiing, scuba diving, rock climbing, kitesurfing, and similar sports. If you plan to participate in any adventure or extreme sports activity on your trip, you must declare this and either upgrade to a policy that includes sports cover or purchase a specialist add-on. Failing to declare sports activities and then making a related medical claim is likely to result in a refused claim.
What should I do if I need to make a medical claim abroad? +
Contact your insurer's 24/7 emergency assistance line as soon as possible — the number will be on your policy documents and the insurer's app. For serious emergencies, seek treatment immediately and contact the insurer as soon as practicable. Keep all medical receipts, reports, and documentation. Most Maltese insurers have international assistance networks that can arrange direct payment to hospitals, avoiding the need for you to pay out of pocket and claim back.
Is the USA more expensive to insure for? +
Yes, significantly. The USA and Canada have the highest medical costs in the world — a single emergency room visit can cost €5,000–€30,000, and hospitalisation runs much higher. Travel insurance premiums for the USA/Canada are typically 2–3x higher than equivalent European cover. However, the potential financial exposure without cover is enormous, making it even more essential for US-bound travellers from Malta.

Compare Travel Insurance Now

Don't travel unprotected. Get free quotes from Malta's top insurers in under 2 minutes.

Get Free Quotes Now →