Citadel Insurance
Citadel Insurance is a travel insurance for the MT market with online purchase and 24/7 assistance.
Direct payment
Citadel does not operate a direct payment scheme to medical providers as standard. In the event of a medical emergency abroad, the insured must contact Global Response (+44 2920 662 432) immediately. Costs are typically paid by the insured and subsequently reimbursed upon claim submission, except where Global Response arranges services directly.
Geographic scope
MT
Area 1 - Europe; Area 2 - Worldwide excluding USA and Canada; Area 3 - Worldwide including USA and Canada. Cover is for return trips commencing and ending in Malta only.
Unique selling points
- Medical expenses cover of up to €600,000 at Club tier, significantly above many standard travel policies in Malta.
- Maximum personal liability cover is included across all tiers, even at the entry-level Economy plan.
- 24/7 emergency medical assistance and repatriation is provided through Global Response UK at no additional cost beyond the premium.
- Free travel insurance cover for children under 2 years of age is included on family policies.
- Cancellation cover becomes active immediately from the moment the policy is purchased, protecting against unforeseen events before departure.
Coverage limits
Medical and Emergency Expenses
Covered
Covers medical and emergency expenses arising from accidental bodily injury, illness or death abroad. Tiered limits apply: Economy cover provides up to €35,000; Club (most comprehensive) extends to €600,000 per insured person.
SourceEmergency Medical Treatment
Covered
Emergency medical treatment arising from accidental bodily injury or illness abroad is covered within the overall medical and emergency expenses benefit. Insured must contact Global Response immediately in case of medical emergency.
SourceIn-Patient Hospital Cash Benefit
Covered
An in-patient hospital cash benefit is payable in case of admission to hospital abroad due to accidental injury or illness while abroad. The exact cash benefit amount per day is not specified in the sources reviewed; it appears as a distinct benefit separate from the main medical expenses limit.
SourceOutpatient Treatment
Covered
Outpatient treatment expenses are covered as part of the medical and emergency expenses benefit. No separate sub-limit is identified in the sources; costs fall within the overall medical expenses limit (€35,000–€600,000 depending on tier).
SourceEmergency Dental Treatment
Conditional
Emergency dental treatment may be covered under the medical and emergency expenses section where it arises from accidental bodily injury abroad. The IPID and summary of cover do not identify a separate emergency dental benefit or sub-limit; cover is conditional on the dental treatment being required due to an accident.
SourceMedical Transport
Covered
Medical transport costs (e.g. ambulance, transfer to hospital) are covered as part of the medical and emergency expenses benefit. No separate sub-limit is stated in the reviewed sources.
SourceMedical Evacuation
Covered
Medical evacuation is covered as part of the emergency assistance and repatriation services provided through Global Response. In case of medical emergency abroad, Global Response must be notified immediately to arrange evacuation.
SourceRepatriation of Remains
Covered
Repatriation of mortal remains is covered under the medical and emergency expenses section and emergency assistance services. The IPID confirms cover for medical and emergency expenses arising from death abroad; Global Response coordinates repatriation.
SourceSearch and Rescue
Not offered
Search and rescue is not identified as a named benefit in the IPID or Summary of Cover. No explicit mention of search and rescue coverage was found in the reviewed official sources.
SourceCOVID-19 Treatment
Excluded
Claims arising from any injury, illness, death, liability or costs attributable to COVID-19 and related illnesses are explicitly excluded. Similarly, claims arising from any potential or actual epidemic or pandemic as declared by WHO or relevant authorities are excluded.
SourcePre-Existing Medical Conditions
Excluded
Claims arising from pre-existing medical conditions are explicitly excluded. The list of assumptions also requires that insured persons were not receiving or awaiting medical or surgical treatment at the time of taking out the insurance.
SourceWinter Sports and Adverse Weather Cover
Optional
Winter sports are not covered under the standard policy. An optional winter sports extension is available at an additional premium. Cancellation due to extreme weather conditions or natural catastrophes is also available as an optional add-on. Cover for extreme weather conditions must be purchased at least 10 days prior to departure.
SourceHazardous and Adventure Sports Cover
Excluded
Hazardous activities (other than winter sports covered under the optional extension) are explicitly excluded from the policy. No separate adventure sports add-on is referenced in the official sources.
SourcePregnancy Complications
Conditional
Pregnancy complications may be covered under medical and emergency expenses if they arise unexpectedly during travel abroad. Routine pregnancy care and planned delivery are not covered. The IPID does not explicitly name pregnancy as a covered or excluded peril; cover would be conditional on the complication being an unforeseen emergency.
SourcePersonal Legal Liability
Covered
Personal legal liability to third parties for accidents resulting in death, bodily injury, or damage to property is included in all cover levels, including the Economy tier which is described as providing the maximum Personal Liability cover for travelling.
SourceLegal Assistance
Not offered
A separate legal assistance benefit is not identified as a named benefit in the IPID or Summary of Cover. Personal legal liability (third-party liability cover) is included, but a distinct legal assistance or legal expenses benefit is not mentioned in the reviewed sources.
Source24/7 Emergency Assistance
Covered
24/7 emergency medical assistance and repatriation services are provided through Global Response UK (contact: +44 2920 662 432) at no additional cost. In the event of a medical emergency, the insured must notify Global Response immediately.
SourceKey conditions
Assistance call deadline
In the event of a medical emergency abroad, the insured must notify Global Response immediately. Failure to do so may affect the validity or settlement of a claim.
Unauthorized treatment
The insured must not negotiate, admit or repudiate any claim without Citadel's written consent. Unauthorised arrangements may result in claims being reduced or declined.
Purchase while abroad
Cover must be purchased not more than 15 days prior to commencing the journey. The trip must not have already started at the time of purchasing the policy; retroactive cover is not available.
Chronic conditions
Claims arising from pre-existing medical conditions are excluded. Persons receiving or awaiting medical or surgical treatment at the time of taking out the policy are not eligible under standard assumptions and must contact Citadel directly.
Pregnancy
There is no explicit pregnancy exclusion in the IPID; however, routine pregnancy care and planned delivery would not constitute an unexpected event. Emergency complications arising unexpectedly during travel may be considered under medical and emergency expenses.
pre_existing_conditions
Pre-existing medical conditions are explicitly excluded from cover. The policy requires that all insured persons were not receiving or awaiting medical or surgical treatment at the time of effecting the insurance.
coverage_duration_limit
Cover applies for the maximum number of days shown on the policy schedule. Individual trips must not exceed 3 months. Extensions are available upon request and payment of an additional premium prior to the expiry of the original period.
Policy specifics
Trip Cancellation
Refund of deposits and charges if trip is cancelled due to covered reasons including illness, injury, or death of insured person or close relatives.
Personal Accident Cover
Coverage for bodily injury, disablement or death resulting from accidental causes during travel period.
Loss of Luggage and Personal Money
Coverage for loss or theft of baggage, personal belongings, and cash/traveller's cheques while travelling.
Travel Delay Cover
Reimbursement for additional expenses incurred due to delay of aircraft or ship departure.
Emergency Assistance Line
24/7 emergency medical assistance and repatriation services provided through Global Response UK.
Malta Residency Requirement
Insured persons must be ordinarily resident in Malta at the time of taking out the insurance.
Round-Trip Requirement
Policy covers only round-trip journeys commencing from and ending in Malta. One-way journeys are not covered.
Age Restrictions
Insured persons must be 18 years or over and under 75 years of age. Persons aged 76 and over subject to special conditions.
Medical Treatment Declaration
Insured persons must not have been receiving or awaiting medical or surgical treatment at the time of effecting the insurance. Pre-existing medical conditions require immediate notification.
Prior Travel Claims Requirement
Insured persons must not have had any travel claims during the past 5 years.
Trip Duration Limit
Trips must not exceed 3 months in duration. Extensions available upon request and additional premium payment prior to policy expiry.
Trip Purpose Requirement
Trip must be a conventional holiday or business trip of a commercial or professional nature. Excludes trips within Malta.
Criminal History Exclusion
Insured persons must not have received any criminal convictions for fraud, dishonesty or deception in the last 5 years.
Trip Must Not Have Commenced
Insurance must be purchased before the trip has started. Retroactive cover is not available.