Travel insurance
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| Feature / category | Atlas Insurance Jun 3, 2026 Open details | Citadel Insurance Jun 3, 2026 Open details | Elmo Insurance Jun 3, 2026 Open details | GasanMamo Jun 3, 2026 Open details |
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| Overview | ||||
Insurer | Atlas Insurance PCC Limited | Citadel Insurance p.l.c. | Elmo Insurance Ltd | GasanMamo Insurance Limited |
Online purchase | Yes | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Starting price | €14 | — | — | €26 |
Billing basis | per_trip | per_trip | per_trip | per_trip |
Unique selling points |
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IPID | IPID | IPID | Not available | Not available |
Terms & conditions | Not available | |||
| Coverage | ||||
Medical expenses | €50,000 – €750,000 | €35,000 – €600,000 | €250,000 – €600,000 | €25,000 – €1,000,000 |
Medical transport | €50,000 – €750,000 | Covered | €250,000 – €600,000 | €1,000,000 |
COVID-19 treatment | €50,000 – €750,000 | Excluded | Excluded | €1,000,000 |
Personal liability | €1,250,000 | Covered | €1,250,000 | €1,250,000 |
Emergency dental | Covered | 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. | Emergency dental treatment is covered only for relief of pain or where rendered necessary by injury, within the overall Section 2 limit. Dental treatment that can reasonably be delayed until return to Malta is excluded. The provision of dentures, artificial teeth, or any dental work involving the use of precious metal is explicitly excluded. No separate sub-limit is stated; covered within the overall medical expenses limit. | Covered |
Search & rescue | Covered | Not offered | Excluded | Excluded |
Legal assistance | €1,250,000 | Not offered | Legal fees incurred in the defence of any personal liability claim are covered within the Section 6 Personal Liability limit of €1,250,000, but only with the insurer's prior written consent. No separate standalone legal assistance benefit exists. | Legal costs and expenses awarded against the insured or incurred with GasanMamo's written permission are covered under Section I Personal Liability. There is no standalone legal assistance or legal expenses section separate from personal liability cover. |
Emergency medical treatment | €50,000 – €750,000 | €35,000 – €600,000 | €250,000 – €600,000 | €25,000 – €1,000,000 |
Hospitalization | €700 | Covered | €250,000 – €600,000 | Daily in-patient hospital benefit if admitted to a hospital abroad licensed for surgery due to accidental bodily injury or illness. Available only on Standard or Executive Cover. Standard: €25/day up to €750 total; Executive: €30/day up to €900 total. Benefit increases to €50/day if the European Health Insurance Card is used. |
Outpatient treatment | €50,000 – €750,000 | Covered | €250,000 – €600,000 | Covered |
Medical evacuation | €50,000 – €750,000 | Covered | €250,000 – €600,000 | €25,000 – €1,000,000 |
Repatriation of remains | €50,000 – €750,000 | Covered | €250,000 – €600,000 | €1,000,000 |
Pre existing conditions | Excluded | Excluded | Excluded | Excluded |
Winter sports cover | Optional | Optional | Optional | Optional |
Adventure sports cover | Excluded | Excluded | Excluded | Excluded |
Pregnancy complications | Normal pregnancy or childbirth without any accompanying complication is explicitly excluded under the Important Conditions Relating to Health (Section b.iv). However, pregnancy with accompanying complications is not listed as an exclusion, meaning complications of pregnancy may be covered under Section B Emergency Medical and Other Expenses subject to the standard policy conditions and limits. Cover is conditional on the complication being unexpected and not a pre-existing condition. | 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. | Excluded | The policy does not explicitly mention or provide a dedicated benefit for pregnancy complications. Coverage would only potentially apply if the complication constitutes an unforeseen emergency medical condition and the insured was not receiving or awaiting treatment at policy inception, and had no chronic condition within 12 months. There is no standalone pregnancy complications benefit in the policy wording. |
| Key conditions | ||||
Assistance call deadline | In the event of a serious illness or accident which may lead to in-patient hospital treatment, or before any arrangements are made for repatriation, the insured must contact the IEAP (Global Response, +44 292 066 2438) as soon as possible. If not possible due to immediate emergency treatment, contact must be made as soon as possible thereafter. Private medical in-patient treatment and repatriation costs are not covered unless specifically authorised by the IEAP or Atlas Insurance. | 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. | The insured must contact Global Response Ltd (+44 2920 468790) within 48 hours of being admitted to hospital as an in-patient abroad. Failure to contact Global Response within 48 hours and making own treatment arrangements will result in forfeiture of benefit eligibility. | Collinson Medical Assistance emergency service must be notified immediately of an illness or injury requiring hospital admission as an in-patient. If not possible due to seriousness of condition, contact must be made as soon as possible after hospitalisation. Immediate contact must be made before repatriation arrangements are made. |
Purchase while abroad | The policy is not explicitly available for purchase while abroad. It is only available to Maltese Residents who have been resident for at least 6 months, and trips must begin and end in Malta. Cover commences when the insured leaves their home or place of business in Malta to start the trip (for non-cancellation sections). Policy must be issued and premium paid before cover comes into force. | 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. | The policy period starts from the date the schedule is issued and ends when the insured returns to Malta from the insured journey. The policy can be issued up to 3 months prior to the departure date. There is no provision in the policy documents for purchasing cover after a journey has already commenced. | The policy must be purchased before departure. No refund of premium is allowed after the date of issue of the policy. The policy is not available for purchase while abroad; it requires a round trip starting and ending in Malta. |
Chronic conditions | Chronic diseases that qualify as Pre-existing Medical Conditions (i.e., conditions for which prescribed medication has been taken within the last 12 months, or for which treatment has been received or is awaited within the last 12 months) are excluded from Sections A, B, C and D unless Atlas Insurance has provided written agreement. Claims arising from conditions known at the time of taking out the policy are excluded. | 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. | Chronic or recurring illnesses are explicitly listed in the Insurance Product Information Document (IPID) under 'What is not insured'. Pre-existing medical conditions (any past or current condition known prior to the Period of Insurance) are excluded under the General Exclusions of the policy. | Claims under Sections D, E, F, G, H and S are subject to the express warranty that the insured was not suffering from a serious or chronic illness and/or injury which has required consultation or treatment within the past 12 months. Chronic conditions such as heart conditions, diabetes and hypertension that existed prior to departure are not covered. |
Pregnancy | Normal pregnancy or childbirth without any accompanying complication is explicitly excluded under the Important Conditions Relating to Health. Complications of pregnancy may be covered under Section B provided they are unexpected, not pre-existing, and the insured was not advised by a Medical Practitioner not to travel. | 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. | Pregnancy is not explicitly addressed as a covered or excluded condition in the main policy sections. Travel with the intention of obtaining medical treatment or consultation abroad is excluded under the Health Requirements (Important Notes). Routine maternity care would be excluded as pre-planned treatment. Emergency complications arising unexpectedly may potentially fall under Section 2, but no explicit pregnancy or maternity benefit is stated in the policy. | The policy does not contain a specific pregnancy clause or benefit. Pregnancy-related treatment is not explicitly covered or excluded; however, the health warranty and pre-existing condition exclusions would apply, meaning any known pregnancy-related condition at the time of purchase would not be covered. Routine pregnancy care is not an emergency and would not be covered under Section F. |
Unauthorized treatment | Private medical in-patient treatment and repatriation costs are not covered unless specifically authorised by the IEAP or Atlas Insurance. Claims for any form of treatment or surgery which, in the opinion of the Medical Practitioner in attendance and the IEAP, could have been delayed reasonably until return to Malta will not be paid. Additional costs arising from single or private room accommodation are also excluded. | 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. | If the insured makes own arrangements for treatment without contacting Global Response within 48 hours, or if the medical condition does not require immediate in-patient treatment, the insured will not be eligible for benefit under the international medical claims assistance provision. The insurer may also cancel the policy, refuse to deal with a claim, or reduce any claim payment if the insured fails to comply with the stated health requirements. | Any expenses or fees for in-patient treatment or repatriation which have not been agreed by GasanMamo Insurance or Collinson Medical Assistance emergency service will not be paid. Failure to obtain prior agreement may result in non-payment of the claim. |
Pre existing conditions | Pre-existing Medical Conditions are defined as any medical condition for which prescribed medication has been taken within the last 12 months, or for which treatment (including surgery, tests or investigations) has been received or is awaited within the last 12 months. Such conditions are excluded from Sections A, B, C and D unless Atlas Insurance provides written agreement. Disclosure of any medical condition at the time of taking out the policy is required; failure to do so may result in claim denial. | 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. | Pre-existing medical conditions are defined as any past or current medical condition known to the insured prior to commencement of the Period of Insurance. All claims arising directly or indirectly from such conditions are excluded under the General Exclusions, affecting not only the insured but also close relatives, close business associates, or anyone the insured arranged to travel or stay with. | Claims under Sections D, E, F, G, H and S are subject to the express warranty that the insured was not: (1) receiving or awaiting medical or surgical treatment at the time of effecting insurance; or (2) suffering from a serious or chronic illness/injury requiring consultation or treatment within the past 12 months. Costs arising where the insured travels against medical advice are also excluded. Conditions with terminal prognosis or those for which in-patient treatment is planned are excluded. |
Coverage duration limit | Single trip coverage is limited to a maximum of 6 months duration. The Period of Insurance is automatically extended (without additional premium) for the period of unavoidable delay up to a maximum of 30 days if the return to Malta is delayed due to an insured event. | 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. | The insured journey must start and end in Malta and must not exceed 6 months in duration (as per the current policy document versions EILTRPW 005/10.16 and EILTRPW 007/06.18). An older policy version (TravelPolicyDoc_0.pdf) states a maximum journey duration of 3 months. The IPID (EIL.IPIDTR 001/09.18) confirms the 6-month maximum. The policy can be issued up to 3 months prior to the departure date. | Maximum coverage period is 9 months per trip for single-trip policies. For annual policies, unlimited trips within 12 months subject to per-trip duration limits by geographic area: Area 1 (Europe) up to 30 days, 6 months, or 12 months per trip; Area 2 (Worldwide ex. USA/Canada) and Area 3 (Worldwide) up to 30 days or 6 months per trip. If the return journey cannot be completed before the period of insurance ends, cover remains in force without additional premium for up to 5 days (transport delay) or 30 days (bodily injury/illness). |
| Proof and next steps | ||||
Direct payment policy | If admitted to a hospital or clinic abroad, the International Emergency Assistance Provider (IEAP) will arrange for covered medical expenses to be paid directly to the hospital or clinic. For simple out-patient treatment the insured should pay and claim back on return to Malta. | 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. | In the event of inpatient hospital treatment abroad, the insured must contact Global Response Ltd (+44 2920 468790) within 48 hours. Global Response operates 24/7 worldwide and will contact hospitals and consult medical advisers to arrange direct settlement where possible. If the insured makes own arrangements without contacting Global Response within 48 hours, benefit eligibility may be forfeited. | All expenses for in-patient treatment or repatriation must be agreed in advance by GasanMamo Insurance or Collinson Medical Assistance emergency service. Contact Collinson Medical Assistance immediately upon hospitalisation; if not possible due to the seriousness of the condition, contact must be made as soon as possible after hospitalisation. Contact must be made before arrangements are made for repatriation. |
Last verified | Jun 3, 2026 | Jun 3, 2026 | Jun 3, 2026 | Jun 3, 2026 |