Atlas Insurance Travel insurance (Annual Travelpak)
Underwritten by Atlas Insurance PCC Limited · Malta
travel insurance from Atlas Insurance for the Malta market, with online purchase and 24/7 assistance.
Verified Aug 30, 2026 · Terms dated 2026-08-01Sources
Key facts
- Personal liability up to €1,250,000
- Starting price: €95per yearAs published by the insurer — it does not say who the price is for
Unique selling points
Accompanying children under 16 years travel free when insured with a parent, across all Cover Options.
An optional Excess Waiver, available for a small additional premium, removes all policy excesses across every section of the policy.
24/7 international emergency medical assistance is provided worldwide through Global Response Ltd for hospital admission, repatriation and authorisation of medical expenses.
Hire Vehicle Excess cover can be topped up to €1,000 or €1,500 for Premier Cover Option policyholders aged 25 to 75.
Group discounts are available on the Standard and Premier plans for parties of more than 10 people travelling together.
Coverage limits
Medical expenses
€60K – €2M
Section: Flexibility and peace of mind throughout the entire year with Atlas Annual Travel Insurance > What's covered > Premier Plan
Emergency medical & other expenses - up to €2,000,000
Emergency Medical Treatment
€60K – €2M
Section: Flexibility and peace of mind throughout the entire year with Atlas Annual Travel Insurance > What's covered > Premier Plan
Emergency medical & other expenses - up to €2,000,000
Hospital Benefit
€1K
€30 for every complete 24 hours of in-patient hospital stay outside Malta, up to a maximum of €1,000, payable in addition to Section B Emergency Medical Expenses; the same for all Cover Options.
Section: Flexibility and peace of mind throughout the entire year with Atlas Annual Travel Insurance > What's covered > Budget Plan
Hospital benefit - €30 for every complete 24 hours – maximum €1,000
Out-Patient Treatment
Covered
For simple out-patient treatment abroad the insured pays the hospital or clinic directly and claims back the expense from Atlas on return to Malta, within the overall Section B Emergency Medical Expenses limit.
Emergency Dental Treatment
Covered
Emergency dental treatment for the immediate relief of pain to natural teeth only, incurred outside Malta, is included within the overall Section B Emergency Medical Expenses limit with no separate sub-limit stated.
Ambulance and Rescue Transport
Covered
Ambulance fees and rescue services to take the insured to hospital are covered within the overall Section B Emergency Medical Expenses limit; no separate sub-limit is stated.
Medical Evacuation / Repatriation
Covered
With the prior authorisation of Global Response Ltd, additional costs of air transport or other suitable means, including qualified attendants, to repatriate the insured home if medically necessary are covered within the overall Section B limit.
Repatriation of Remains
Covered
In the event of death outside Malta, reasonable additional funeral expenses abroad plus the cost of conveying ashes home, or the additional cost of returning the body home, are covered within the overall Section B limit.
Search and Rescue
Covered
There is no separate search-and-rescue benefit; rescue services to take the insured to hospital are covered as part of the ambulance benefit within the overall Section B Emergency Medical Expenses limit.
Coronavirus Extension
Covered
Section L - Coronavirus Extension applies to all Cover Options at no additional premium, disapplying the pandemic/epidemic exclusion for Coronavirus-related cancellation, abandonment, emergency medical expenses, hospital benefit and missed departure claims, subject to specific testing/hospitalisation evidence conditions and quarantine sub-limits of €700 accommodation and €300 return travel.
Pre-Existing Medical Conditions
Excluded
Cancellation, Emergency Medical Expenses, Hospital Benefit, Personal Accident and Slalom sub-section 3 claims arising from any pre-existing medical condition (one for which prescribed medication or treatment was taken/received in the last 12 months) are excluded unless Atlas has agreed in writing.
Winter Sports (Slalom Extension)
Optional
Winter sports and dry-ski slope pursuits are excluded unless the optional Slalom Extension is purchased for an additional premium (€55 for ages 16-69, €110 for ages 70-75), limiting cover to a maximum of 15 days per Period of Insurance; certain hazardous winter sports remain excluded even with the extension.
Adventure and Extreme Sports
Excluded
Claims arising from engagement in extreme or hazardous activities (e.g. bungee jumping, scuba diving beyond 15 metres, mountaineering with guides/ropes, sky diving, hang gliding, rock climbing, hunting, quad-biking and similar) are permanently excluded, with no extension available to buy back this exclusion.
Pregnancy Complications
Conditional
Normal pregnancy or childbirth without any accompanying complication is excluded, implying that complications of pregnancy are covered as an ordinary Bodily Injury/illness claim within the Section B Emergency Medical Expenses limit.
Personal Liability
€1.3M
Covers up to €1,250,000 (inclusive of legal costs) against amounts the insured becomes legally liable to pay as compensation for accidental bodily injury or property damage to third parties; the same limit applies across all Cover Options.
Key conditions
Assistance call deadline
In the event of a serious illness or accident that may lead to in-patient hospital treatment or before arrangements are made for repatriation, the insured must contact Global Response Ltd as soon as possible; all other claims must be notified to Atlas in writing not later than 15 days following the insured's return to Malta.
Unauthorized treatment
Private in-patient medical treatment and repatriation costs are not covered unless authorised specifically by Global Response Ltd or by Atlas.
Purchase while abroad
The policy is only available to Maltese residents purchasing or renewing before travel; any trip that had already begun when the policy was purchased is not covered.
Chronic conditions
A chronic or ongoing medical condition is treated as a pre-existing medical condition if the insured has taken prescribed medication or received/awaited treatment for it within the 12 months before the policy or trip was booked, and related claims are excluded unless Atlas agrees in writing.
Pregnancy
Normal pregnancy or childbirth without any accompanying complication is excluded from cover at any time under this policy.
Pre-existing condition exclusions
A Pre-Existing Medical Condition is any condition for which the insured has taken prescribed medication or received/awaited treatment (including surgery, tests or investigations) in the 12 months prior to taking out the policy or booking the trip; claims arising from such conditions are excluded from Cancellation, Emergency Medical Expenses, Hospital Benefit, Personal Accident and the Slalom Extension unless Atlas agrees in writing.
Coverage duration limit
The policy provides 12 months of annual multi-trip cover for Maltese residents up to age 75 (extending to the next renewal if the insured turns 76 during the period), with each individual trip limited to a maximum of 15 days, extendable to 30 days if return is unavoidably delayed by an insured event.
Direct payment
For in-patient hospital treatment abroad, Global Response Ltd arranges for covered medical expenses to be paid directly to the hospital or clinic once contacted as soon as possible; for simple out-patient treatment, the insured person pays the hospital or clinic directly and claims the expense back from Atlas on return to Malta.
Territorial scope
Cover applies to round trips of up to 15 days that start and end in Malta, within the defined Geographical Area (Europe including Russia west of the Urals, Mediterranean bordering countries, the Azores, Canary Islands, Madeira and Iceland)
Documents
Atlas Annual Travel Policy (applicable to policies issued or renewed from 01.08.2026) (opens in a new tab)
Terms & conditions · PDF
Atlas Annual Travel Insurance Summary of Cover for Multi-Trips (TR005/01.05.2024) (opens in a new tab)
Table of benefits · PDF
Annual Travel Insurance Cover overview page (opens in a new tab)
Other document · PDF
Policy specifics
Emergency Medical & Other Expenses
Coverage for emergency medical expenses with specified limits; Budget Plan limit €60,000 with Malta limit €750
SourceSection: Flexibility and peace of mind throughout the entire year with Atlas Annual Travel Insurance > What's covered > Budget Plan
Emergency medical & other expenses - up to €60,000 Malta Limit: €750
Hospital Benefit
Daily hospital benefit payment for complete 24-hour periods; Budget Plan €30 per day with maximum €1,000
SourceSection: Flexibility and peace of mind throughout the entire year with Atlas Annual Travel Insurance > What's covered > Budget Plan
Hospital benefit - €30 for every complete 24 hours – maximum €1,000
Cancellation or Abandonment Charges
Coverage for cancelled or abandoned trips due to specified reasons; Budget Plan limit €1,250
SourceSection: Flexibility and peace of mind throughout the entire year with Atlas Annual Travel Insurance > What's covered > Budget Plan
Cancellation or abandonment charges - up to €1,250
Baggage and Passport Cover
Coverage for baggage loss, damage, and passport loss; limit up to €800 with various sub-limits
SourceSection: Flexibility and peace of mind throughout the entire year with Atlas Annual Travel Insurance > What's covered > Budget Plan
Baggage and passport - up to €800, also see sub-limits on summary of cover
Personal Money Cover
Coverage for loss of personal money while traveling; limit up to €1,000 with applicable sub-limits
SourceSection: Flexibility and peace of mind throughout the entire year with Atlas Annual Travel Insurance > What's covered > Budget Plan
Personal money - up to €1000, sub-limits apply, see summary of cover
Annual Multi-Trip Coverage
Insurance covers multiple trips throughout the year with coverage starting and ending in Malta
SourceSection: Annual multi-trip travel insurance for frequent travellers
For business trips & holidays in Europe starting and ending in Malta
24/7 International Medical Assistance
24/7 emergency medical assistance service with Global Response provider for hospitalization and medical emergencies
SourceSection: Why choose Atlas Annual Insurance for your travels?
24/7 international medical assistance service
Hire Vehicle Excess
Coverage for hire vehicle excess charges up to €1,000
SourceSection: Why choose Atlas Annual Insurance for your travels?
Hire Vehicle Excess up to €1,000
Accompanying Children Travel Free
Children under 16 years traveling with policyholder are automatically included at no additional cost
SourceSection: Why choose Atlas Annual Insurance for your travels?
Accompanying children under 16 travel free
Trip Start and End Location
All trips must start and end in Malta; coverage applies to round trips from Malta
SourceSection: Annual multi-trip travel insurance for frequent travellers
For business trips & holidays in Europe starting and ending in Malta
No Pre-Existing Knowledge of Cancellation
Insured must not be aware of any reason why the trip will be cancelled at time of booking
SourceSource no longer reachableMedical Emergency Notification Requirement
For hospitalization involving emergency medical assistance, insured must contact Global Response immediately; can report other claims upon return to Malta
SourceSection: Step 1. What you need to report a travel claim
If you need emergency medical assistance involving hospitalisation, you are to call our 24/7 International Medical Assistance provider Global Response on +44 292 066 2438 ; and/or by messaging on WhatsApp: +44 2920 662 432; and/or by email: [email protected] . Please provide them with your travel insurance policy number. Otherwise, you can report your claim to us when back in Malta.
Claim Documentation Requirements
Medical reports, death certificates, loss reports, proof of ownership, and bank withdrawal statements required depending on claim type
SourceSection: Step 1. What you need to report a travel claim
Medical Report issued by doctor who examined you abroad Receipts for Related Medical Expenses (namely doctor's fees and prescribed medication)
Three Coverage Levels Available
Annual Multi-Trip Travel Insurance offered in three tiers: Budget, Standard, and Premier with different coverage limits and benefits
SourceSection: Flexibility and peace of mind throughout the entire year with Atlas Annual Travel Insurance
Choose from three levels of cover and various add-on options for protection that’ll keep you smiling.
Sources
Atlas Insurance Travel insurance