What is the best travel insurance for Malta? If your plans include visiting this wonderful island country in the Mediterranean, where many pleasant surprises await you, it is normal to wonder which international travel insurance policy offers the best coverage for visiting its three islands.

We understand your concerns. You are about to visit a destination that offers incredible beaches and a rich historical legacy, and you want to ensure that you are protected in case anything happens. In this comprehensive guide, we will show you the best travel insurance for Malta, its exceptional coverage options, and how to obtain it quickly and easily.

Why should you get travel insurance for Malta?

In Malta, there are public hospitals like Mater Dei in Msida, as well as first-class private hospitals like Saint Jaimes Hospital in Silema. If your country of residence is within the EU and you only have the EHIC (European Health Insurance Card), your coverage may be limited to public centers.

It is strongly advised that all travellers may take precautions and obtain insurance to cover all eventualities during their trip.

Therefore, it is crucial to have travel insurance for Malta that provides comprehensive coverage. This ensures that if the need arises, you can receive treatment with all the necessary guarantees at the best hospitals and medical centers in the country. Additionally, health conditions in Malta are similar to those in the rest of the European Union, although certain surgical procedures or treatments may require medical transfers to other countries.

Hence, it is also essential for insurance coverage for travelling to Malta to take such cases into account and provide coverage for transfers to centers where you can receive the required care.

boats sailing in Grand Harbour, Malta

A minor mishap such as a slip in the beautiful historic center of La Veleta resulting in a sprained ankle, a jellyfish sting while enjoying the crystal clear waters of the Maltese coast, a digestive issue from sampling its delicious cuisine, or any other incident that would have a simpler solution at home (such as an infection, muscle problem, or allergy) could lead to costly bills and jeopardize your trip without an international travel insurance policy for Malta. With your Malta travel insurance, however, you can rest assured that you will have swift access to the best medical facilities in the country without any financial burden.

Moreover, your travel insurance policy offers protection beyond just your health, which sets it apart from the European Health Insurance Card. By obtaining international travel insurance, you will also be covered for theft, issues with your luggage, flight problems, repatriation, and even the possibility of reimbursement if you have to cancel your trip.

What is the best travel insurance for Malta?

In the following section, we are going to show you which are the essential coverages that the best travel insurance to Malta should have to guarantee you the best protection from the beginning to the end of this adventure.

In this way, if your country of residence is within the European Union, we recommend IATI Classic, the perfect ally for your trip to Malta. If your country of residence is outside the European Union, your best ally for this trip will be IATI Star.

Are you planning to engage in activities such as diving, surfing, or other adventure sports during your visit to Malta? If so, don’t miss the following section where we discuss these activities.

24-hour service in your language

The most important thing when an incident arises in the middle of a trip is that it can be resolved quickly and easily. Therefore, it is crucial to be able to communicate in your language. Can you imagine having to ask for help in Maltese or English? It would waste time and could be crucial in certain situations.

That’s why with your travel insurance to Malta, IATI Standard, we will always assist in your language. Your trip is not complete until you return home, so we are available to you 24 hours a day, 7 days a week, without exceptions. Additionally, if you choose to contact us by phone, we will reimburse you for the cost of the international call, so you don’t have to pay for it yourself.

Comprehensive medical coverage

Accessing quality medical care can be expensive, and even a minor accident like slipping on the rocks of a picturesque Maltese beach could result in a significant medical bill. That’s why our IATI Classic provides up to 500,000 euros of coverage for medical assistance, and IATI Star provides up to 1,000,000€. With this coverage, you can always receive top-notch medical care and, in the case of a serious incident that cannot be treated locally, you may even be transferred to another location for necessary treatment.

sailing boats in Marsaxlokk, Malta

Adventure sports in Malta

If you have plans to engage in thrilling activities like diving, cycling, snorkelling, hiking, or jet skiing during your visit to this Mediterranean paradise, both of these policies include this feature.

Do these activities align with your plans? Don’t hesitate any longer and secure your insurance now.

No deductibles, no out-of-pocket expenses

It’s common for many companies to hide excess fees in the fine print, leaving travellers unaware until it’s too late. Are you familiar with how deductibles work? With a 100 euro excess fee, for example, you would have to pay the first 100 euros every time you require medical assistance, even if you already have travel insurance for Malta.

At IATI, we do not work with deductibles. With your IATI policies, you will always be fully covered from the first euro up to 500,000 (IATI Classic) and up to 1,000,000 euros (IATI Star), ensuring that you won’t have to pay anything out of pocket.

No cash advance is required for medical care

In contrast, many private health insurances that offer limited coverage abroad often require you to pay for medical care upfront and then go through a cumbersome process to seek reimbursement. This not only creates inconvenience but can also be detrimental to your trip if you are faced with a substantial bill.

With your IATI travel insurance for Malta, you won’t have to worry about paying out of pocket. The process is straightforward: When you require assistance and contact us, we will promptly direct you to the nearest high-quality medical center that is best suited to address your needs. Upon arrival, they will be expecting you, and we will handle the costs of your visit, including any necessary tests or prescribed medications from a specialist.

In the event of an emergency where you need to see a doctor without being able to contact us in advance, we have simplified the procedure for you. Simply provide us with all the relevant medical reports and invoices, and we will reimburse the expenses as quickly as possible.

Coverage for loss of luggage and theft included

While Malta is generally a safe country for tourists, unforeseen events such as theft or loss of luggage can occur anywhere, even in your neighbourhood. For instance, with IATI Classic you will have coverage of up to 1,000 euros and with IATI Star of up to 2,500€ specifically for incidents like theft and damage to luggage.

But that’s not all. With IATI policies for Malta, you will also benefit from additional coverage, including compensation for delayed departure of your means of transport, delayed delivery of checked baggage, cash advances, and private civil liability coverage, among many others.

Cancellation option – cancelling your trip to Malta

Planning a trip to Malta involves purchasing flights, booking accommodations, and arranging various activities to explore this wonderful destination. Naturally, questions may arise such as, “What happens if I need to cancel my trip due to a serious reason? Will I lose all the money I’ve invested in this trip?”

To address this concern, IATI was a pioneer in offering the Travel Cancellation Supplement, which you can add to your IATI Classic and IATI Star International Malta policies. With this supplement, we will reimburse you up to 2,000 euros (IATI Classic) and up to 5,000€ (IATI Star) if you are unable to travel for any of the specified reasons, covering expenses that you are unable to recover directly from your official provider.

The Travel Cancellation Supplement has become a favourite among thousands of IATI travellers!

 Mellieha, Malta seen from above

Malta travel insurance coverage

The coverages we have just shown you are the essential ones that your travel insurance for Malta should offer, all of which are included in your IATI Classic and IATI Star policies. However, this comprehensive policy also includes many more interesting features that you can review on its dedicated contracting page.

The following table provides a more visual representation of the key coverage figures:

IATI Classic, if your country of residence is within the EU:

Malta Travel Insurance Medical Expenses Coverage  Theft and damage to luggage Covid-19 assistance Cancellation costs (optional) Repatriation
IATI Classic 500.000 € 1.000 € Included 2.000 € 100%

IATI Star, if your country of residence is within the EU:

Malta Travel Insurance Medical Expenses Coverage  Theft and damage to luggage Covid-19 assistance Cancellation costs (optional) Repatriation
IATI Star 1.000.000 € 2.500 € Included 5.000 € 100%

How much does travel insurance to Malta cost?

The incredible value for money of travel insurance to Malta is what will convince you that it is the best international travel insurance policy for this destination.

As you can see, even the price of insurance for 3 weeks is still less than the cost of one night in a hotel. It is a small amount in your travel budget but can save you a significant amount of money and make things much easier should you need assistance during your visit to the country.

IATI Classic, if your country of residence is within the EU:

International health insurance Price for 1 week Price for 2 weeks Price for 3 weeks
IATI Classic 32 € 50 € 60 €

IATI Star, if your country of residence is within the EU:

International health insurance Price for 1 week Price for 2 weeks Price for 3 weeks
IATI Star 63,44 € 99,38 € 123,62 €

How to purchase the best travel insurance to Malta

Buying travel insurance to Malta is a quick and easy process. Follow these steps:

In the menu, enter your travel details:

  • Your place of residence
  • The destination of your trip (in this case, Malta)
  • The start and end dates of your trip
  • The number of travellers
  • Type of insurance: travel insurance

Once you have completed the menu, click on “Get a quote” and select your IATI Classic or IATI Star. Then, click on “Contract.” At this point, you can also opt for the Cancellation Supplement we mentioned earlier. This supplement allows you to recover a certain amount of the costs of your trip if you have to cancel it. It’s well worth it!

Fill in your personal information, make the payment, and you will receive an email with your Malta travel insurance information and contact details in case you need any assistance.

It’s that easy to make sure you have a great trip!

boats in crystal clear water in Comino, Malta

Useful information for safe travel to Malta

Safety in Malta

Malta is a safe country for tourists, but it is worth keeping in mind certain advice and warnings, and always be careful.

Health in Malta

If your country of residence is within the EU, the EHIC (European Health Insurance Card) is not enough to protect your health during your trip, and it does not offer any other type of coverage. If your country of residence is outside the EU we recommend a bigger coverage. It is essential to have the best travel insurance for Malta to ensure you have the trip you deserve.

The IATI Classic and IATI Star policies are the best options for this destination, offering great coverage for medical assistance and other great features. We will take care of you from the start to the finish of your trip.