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The small Mediterranean island of Malta is known for its historical sites, beautiful weather, and relaxed lifestyle. If you’re planning on traveling to Malta soon, purchasing travel insurance before you go is essential.
Travel insurance will help protect you if something unexpected happens abroad. For example, your travel insurance will cover your medical expenses if you get sick or injured. So don’t forget to buy travel insurance before you go.
This blog post will guide you about Malta travel insurance – do you need it? Which is the best company? And all other related information. So let’s get started.
Why do you need Travel Insurance when traveling to Malta?
There are a few reasons why you might want to consider travel insurance when traveling to Malta. While Maltese law doesn’t require visitors have travel insurance, there are crucial reasons why you’ll want to be covered.
The question you really should be asking is: should I buy travel insurance for Malta? And the answer is a resounding yes. Let me explain why.
What’s the worst that could happen without travel insurance?
Well, I once got my bag stolen in Vietnam, and I had an electric shock in a hostel bathroom in Mexico (yes seriously). I also missed my flight twice in the space of 3 years.
Say, what if you’re walking down the street in Valletta and your appendix suddenly bursts, leaving you in excruciating pain and requiring emergency treatment? Anything could happen.
Travel insurance can also help protect you from paying significant out-of-pocket expenses if something goes wrong while you’re on vacation. For example, if your flight is canceled or delayed and you have to book new flights, your travel insurance policy might reimburse you for the cost of those new flights.
If your luggage is lost or stolen, your policy might cover replacing your belongings. So it’s definitely advised when you are planning to visit Malta.
What are the best Malta travel insurance companies?
There are two main companies and both are excellent in their own ways.
With the world opening back up to all-out travel again, let’s take a look at why travel insurance is so damn important.
Table of Contents
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Is Malta open for travel right now?
Malta has opened to tourism again in 2022, though currently only fully-vaccinated travelers may enter the country. Tourists wishing to travel to Malta face COVID-19 entry requirements upon arrival, please check your country of residence’s guidelines for travel.
- UK citizens – see the most up to date entry requirements here:
- US citizens – view the latest travel information from the Department of State here:
Best Travel Insurance for Malta in 2023
The Benefits of Having Travel Insurance for Malta:
There are several benefits to having travel insurance for Malta, including:
1: Covid travel insurance in Malta
The 2020 global pandemic changed the world, however once things began to settle and travel opened up to normal again, Malta travel health insurance plans began to include Covid coverage for travelers. The two companies I recommend; SafetyWing and World Nomads, both have Covid-19 coverage.
2. Peace of mind while traveling
No one wants to think about what could go wrong on their vacation, but the truth is that anything can happen. Several potential mishaps can ruin a trip from lost luggage to medical emergencies.
A good policy can provide peace of mind, knowing you’ll be covered if something goes wrong. So whether taking a stroll through Valletta or exploring the Mediterranean Sea, travel insurance can give you the peace of mind you need to enjoy your trip truly.
3. Covers medical expenses while abroad
While many people believe that their domestic health insurance will cover them while they travel, the reality is that most policies have minimal international coverage. As a result, it’s essential to purchase travel medical insurance when going abroad to pay medical fees.
One of the most significant benefits of travel medical treatment insurance is that it can help to cover medical costs. If you become ill or injured while overseas, travel insurance can help to pay for hospital stays, emergency medical evacuation back to your home country, and even ongoing treatment.
4. Reimburses you for lost or stolen baggage
When you travel, there’s always a risk that your baggage will be lost or stolen. This can be a major inconvenience, especially if you’re traveling more often. However, many travel insurance policies reimburse you for lost or stolen personal belongings.
This benefit can give you peace of mind knowing that you won’t be stranded if your luggage is lost or stolen while on vacation. Malta is a beautiful country to visit, and with Europe travel insurance, you can rest assured that your trip will be as smooth as possible.
5. Provides emergency evacuation coverage
Imagine you’re enjoying a relaxing vacation in Malta when suddenly, a natural disaster occurs, and you need to evacuate immediately. Unfortunately, you’ll have to pay for your evacuation and accommodation expenses if you don’t have travel insurance.
But if you do have travel insurance, you’ll be covered for the cost of your evacuation and any additional expenses incurred as a result. That’s just one example of how having travel insurance can benefit you while traveling.
6. Offers a variety of other travel-related benefits
When most people think of travel insurance, they think of medical coverage in case of an accident or illness. However, travel insurance offers a variety of other benefits as well. For example, many policies include trip cancellation and interruption coverage, which can reimburse you for certain expenses if you have to cancel your trip due to a covered reason, such as sickness, bad weather, or a family emergency.
Some policies even offer 24-hour assistance services that can help you with everything from getting your passport replaced to finding a doctor in a foreign country.
What to look for in a travel insurance policy?
When you’re planning a trip, it’s important to think about what could go wrong. Will your flight be delayed or canceled? What if you get sick while you’re away from home? Travel insurance can help to protect you from financial losses in the event that something goes wrong on your trip. But with so many different policies available, it can be difficult to know what to look for. Here are a few tips to keep in mind when shopping for travel insurance:
1. Type of travel insurance
First, consider what type of coverage you need. Do you need medical coverage in case of an emergency? What about coverage for lost luggage or canceled flights? Once you know what types of losses you need to be insured against, you can start comparison shopping.
2. Check the deductibles and limits
Next, take a look at the deductibles and limits for each policy. Deductibles are the amount of money you would have to pay out-of-pocket before the insurance company would start covering losses. Limits are the maximum amount that the insurer will pay out for a covered loss. The lower the deductible and the higher the limit, the more expensive the policy will be. However, it’s important to make sure that you choose a policy with deductibles and limits that are appropriate for your needs.
3. Read the small print
Finally, be sure to read the fine print before purchasing a policy. Don’t wait until you need to make a claim to find out that your policy doesn’t cover the type of loss that you’ve incurred. Carefully review all of the terms and conditions so that you’ll know what’s covered and what’s not. By taking these steps, you can be sure that you’re getting the right travel insurance policy for your needs.
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Best Malta Travel Insurance Companies
What is the best travel insurance for Malta? This is a question I get asked a lot as a travel blogger.
There’s no definitive answer for this because the best travel insurance for Malta depends on you and your trip. To help determine which is best, take into account the different factors such as the policy’s total cost, your deductibles and limits, and so on.
Personally, I only ever recommend two companies for Malta travel insurance: World Nomads and SafetyWing. These two will work for most travelers of all different types – backpackers, digital nomads, families and more.
World Nomads Travel Insurance Malta
Best Malta insurance for general travel and adventure travel
When it comes to travel insurance, World Nomads is the company recommended by more travel bloggers and agencies than any other. They keep it really simple with 2 plans: the Standard Plan and the Explorer Plan (you can also customize the coverage to suit your needs).
World Nomads: Standard Plan vs Explorer Plan
- Standard Plan: this is the standard (minimum) coverage you can get, as the name states. Included in the plan are a range of benefits such as coverage for your belongings, overseas medical care, pre-trip cancelation, and some adventure activities.
- Explorer Plan: this plan has all the benefits of the Standard Plan plus extras – like emergency medical evacuation. This plan is ideal for those planning to do a lot of adventure activities, or traveling with very expensive gear, as it offers more extensive coverage.
>> Get your FREE World Nomads quote here:
SafetyWing Travel Insurance Malta
Best insurance for long-term travelers and digital nomads
SafetyWing is the company that’s used most by long-term travelers, such as digital nomads intending to live in Malta, or those who prefer slow-travel around a certain region. SafetyWing is the perfect choice when exploring Malta for a much longer time period.
Starting at just $40USD per month, which works out less than $500USD in a year, this is superb value for money. The basic policies cover your medical expenses and travel emergencies while in Malta, meaning you can visit for complete peace of mind at very little cost.
>> Get your FREE SafetyWing quote below:
How to Make a Claim with Your Travel Insurance Policy?
If you need to make a claim while you’re in Malta, there are a few steps you’ll need to follow:
- Gather all relevant documentation – including your policy paperwork, medical records, and receipts for any expenses you’ve incurred.
- Contact your insurer and let them know that you’ll be making a claim. They may require you to fill out a claim form, and they may also ask for additional supporting documentation.
- Receive a payout from your insurer that will cover your expenses. Making a claim with your travel insurance company doesn’t have to be difficult as long as you’re prepared and have all the necessary documentation.
Exclusions and Limitations of Travel Insurance Policies:
There are a few things that most travel insurance policies will exclude coverage for. These exclusions can vary from policy to policy, so it’s essential to read the fine print of your particular policy before you buy it.
But in general, most policies will exclude coverage for any pre-existing medical conditions, adventurous activities (like bungee jumping or skiing), and alcohol-related incidents. Most policies will also limit the money they’ll pay for lost or stolen belongings. So if you’re planning on traveling with expensive items, you may want to purchase additional coverage.
Finally, most policies will not cover any expenses incurred as a result of political unrest or natural disasters. So if you’re planning on traveling to a country experiencing volatile political conditions or at risk for hurricanes or earthquakes, you may want to purchase additional coverage or look for a policy that explicitly covers those risks.
Related post: 10 Best Things to Do in Malta
So, whether you are traveling to Malta for a holiday or for business, I cannot stress enough how important it is to have travel insurance. Not only will this give you peace of mind while you are away, but it could also save you a lot of money if something goes wrong.
Have you ever traveled without travel insurance? What was your experience?
Travel insurance covers travel-related financial losses, including trip cancellation, lost or stolen luggage, medical emergencies, and more. Many people purchase travel insurance when they book a trip if they need to cancel.
Travel insurance can also be helpful if your flight is delayed or canceled, you miss a connecting flight, or your luggage is lost or stolen. Some policies also cover medical emergencies while you’re traveling.
Before purchasing a travel insurance policy, read the fine print to understand what’s covered and what’s not.
Travel insurance is not a legal requirement for visitors to Malta, but it’s strongly advised to take out travel insurance cover in case of a whole number of things like family emergencies, accidents, loss or theft of luggage and personal belongings, injury, and more.
The best way to get travel insurance for Malta is to buy it online in advance. I always recommend two companies: World Nomads, and SafetyWing. They are tried and tested, trustworthy and affordable companies used by countless travelers all over the world.
It depends on the insurance company, but travel insurance for Malta generally costs between $40 and $100.
Malta is a beautiful country with much to offer tourists, but like any other destination, there are risks associated with traveling there. That’s why it’s essential to have travel insurance in case of an emergency or unexpected event.
Some potential risks include flight cancellations or delays, loss of baggage, accidents or injuries while traveling, and even medical emergencies. Travel insurance can help cover the costs associated with these events, so you can relax and enjoy your vacation, knowing that you’re protected if something goes wrong.
The first step is to contact your insurance company as soon as you return home and report the incident. Next, ensure your paperwork is in order, including receipts for any medical expenses and lost items.
The insurance company will then review your claim and let you know what steps need to be taken next. Usually, this process involves completing a claim form and providing additional documentation.
Malta Day Trips and Activities:
A guided tour and sightseeing events are some of the best ways to experience Malta. Here’s some excellent deals for the most popular trips and activities around the Maltese islands. (Remember, you can cancel your bookings at anytime!)
Malta Travel Guides
For more in-depth reading on Malta and Gozo, you can get your hands on a copy of these bestsellers below:
Book Your Trip to Malta: Budget Tips & Tricks
SIM cards: DrimSim is a universal SIM card that isn’t tied to an operator and works in any country/region.
Travel Insurance: Stay protected from theft, injury, illness, and cancellations. A safety net in case anything goes wrong, I never leave without it. World Nomads is my favourite agent for total peace of mind.
Need to store your luggage in a locker? Use Radical Storage to store your stuff in a locker in any city for just $5 per day.
Head over to my Travel Tools page for all my best travel tips & advice and everything you need for your trip.
I hope you enjoyed reading my post: Best Travel Insurance for Malta in 2023, and feel inspired to visit this amazing island one day!
Let me know what you thought in the comments, thank you!
Further Reading: Malta Travel
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