Elmo Insurance Limited
Elmo Insurance
Elmo Insurance is a travel insurance for the Malta market with online purchase and 24/7 assistance.
Direct payment
The premium must be paid in advance by cash, cheque, credit card or internet banking; payment of the premium does not by itself mean that cover is in force, which is confirmed by a policy certificate
Geographic scope
Europe and Worldwide, as selected by the policyholder and stated in the policy schedule
Europe means the Continent of Europe west of the Ural Mountains, the British Isles, Madeira, the Canary Islands, Iceland and countries bordering the Mediterranean Sea (excluding African countries); Worldwide means all remaining countries not included in the Europe definition
Starting price
€20
Unique selling points
- The Extra Cover tier raises the medical and emergency travel expenses limit to €600,000, more than double the €250,000 Standard limit
- 24/7 multilingual worldwide emergency medical assistance is provided through the insurer's dedicated partner, Global Response Ltd
- Policyholders can choose between Standard and Extra cover tiers and between Europe-only or Worldwide territorial scope to match their trip
- Children under 2 travel free of charge and children aged 2-16 are insured at half premium when accompanied by an insured adult
- An optional Excess Damage Waiver for rental vehicles can be added for a flat additional premium of €5
Coverage limits
Medical and Emergency Travel Expenses
Covered
Aggregate limit for Section 2 (Medical and Emergency Travel Expenses) covering doctor's fees, prescribed medication, hospital treatment (in-patient and out-patient) and related costs necessarily incurred following unforeseen illness or accidental bodily injury abroad; €250,000 under Standard Cover, up to €600,000 under Extra Cover; subject to a €35 excess per claim
Emergency Medical Treatment
Covered
Reasonable medical expenses for the immediate needs of an unforeseen medical emergency, including Medical Practitioner's fees and prescribed medication; shares the same aggregate Section 2 limit of €250,000 (Standard) / €600,000 (Extra), not a separate sub-limit
Hospitalization
Covered
Hospital expenses and in-patient treatment abroad are covered as part of the same aggregate Section 2 limit of €250,000 (Standard) / €600,000 (Extra); not a separate sub-limit. Costs of a single or private room are excluded
Outpatient Treatment
Covered
Out-patient medical treatment abroad is covered as part of the same aggregate Section 2 limit of €250,000 (Standard) / €600,000 (Extra); not a separate sub-limit
Emergency Dental Treatment
Covered
Covered within the aggregate Section 2 medical limit, but restricted to emergency treatment for the relief of pain or treatment rendered necessary by injury; the provision of dentures, artificial teeth or dental work involving precious metal is excluded
Medical Transport
Covered
Charges for medical transport to the nearest suitable hospital abroad, as deemed necessary by a recognised Medical Practitioner, are covered within the same aggregate Section 2 limit of €250,000 (Standard) / €600,000 (Extra)
Medical Evacuation
Covered
The additional cost of travel, accommodation and rescue including repatriation of the insured person (or an accompanying travelling companion) is covered within the same aggregate Section 2 limit of €250,000 (Standard) / €600,000 (Extra)
Repatriation of Remains
Covered
The cost of returning the insured person's body or ashes to the home address, including their personal baggage, in the event of death abroad, is covered within the same aggregate Section 2 limit of €250,000 (Standard) / €600,000 (Extra)
Search and Rescue
Covered
The policy only refers to 'rescue including repatriation' as part of the additional costs within the aggregate Section 2 medical limit; no separate, dedicated search-and-rescue benefit or limit is specified, and activities typically triggering search-and-rescue claims (mountaineering, rock climbing, pot-holing) are listed as excluded activities
COVID-19 / Communicable Disease Treatment
Excluded
General Exclusions state that any injury, illness, death, loss or expense attributable to the transmission of any communicable disease or virus is excluded; separately, travel to any destination where the World Health Organisation has declared an epidemic or pandemic, or where the Foreign Office or Health Authority of Malta has advised against travel, is excluded from medical expenses cover
Pre-Existing Medical Conditions
Excluded
Claims arising directly or indirectly from a pre-existing medical condition known to the insured person before the travel insurance was issued, affecting the insured person, a close relative, close business associate or any person with whom the insured arranged to travel, are excluded
Winter Sports Extension
Optional
When the appropriate additional premium is paid (premiums are doubled), the policy extends Sections 1 (Personal Accident), 2 (Medical and Emergency Travel Expenses), 3 (Cancellation and Curtailment) and 4 (Personal Baggage) to non-competitive, non-professional winter sports up to the standard section limits; a €150 excess applies and the insurer is not liable unless the insured wears adequate protective head gear at all times
Adventure / Dangerous Sports Cover
Excluded
Excluded activities include motor competition, motorcycling on machines exceeding 125cc, quad biking, mountaineering, rock climbing, hunting, trapping, pot-holing, white-water rafting or canoeing, bungee jumping, jet skiing, sub-aqua diving, organized team sports, flying other than as a passenger, horse jumping/racing/hunting, manual labour, power boating exceeding 30 knots, and combat sports
Pregnancy Complications
Not offered
The policy document, IPID, brochure and proposal/claim forms reviewed contain no specific provisions, benefits or exclusions relating to pregnancy or pregnancy complications
Personal Liability
Covered
Covers personal liability of the insured person for death, bodily injury, disease or illness to any person, and accidental loss of or damage to material property, occurring during the insured journey, up to €1,250,000 per insured person under both Standard and Extra cover; this also includes all legal fees incurred in defending any claim with the insurer's written consent, subject to a €35 excess
Legal Assistance
Covered
Legal fees incurred in the defence of a personal liability claim, made with the insurer's written consent, are included within the €1,250,000 personal liability limit; there is no separate stand-alone legal assistance/legal expenses benefit described in the sources
24/7 Emergency Assistance
Covered
In case of sudden illness or injury requiring in-patient hospital admission while abroad, the insured may contact Global Response Ltd, which operates worldwide, is multilingual and offers 24/7 emergency medical services, giving advice, contacting hospitals and consulting medical advisers where necessary
Key conditions
Assistance call deadline
The insured will not be eligible for benefit if they make their own arrangements for in-patient treatment without contacting the insurer's assistance provider, Global Response Ltd, within 48 hours
Unauthorized treatment
No benefit is payable for medical/emergency travel expenses claims where the insured travelled with the intention of obtaining medical treatment or consultation abroad, travelled against a Medical Practitioner's advice, or made their own treatment arrangements without notifying the assistance provider within 48 hours
Purchase while abroad
The policy can only be issued up to three months before the departure date and the insured journey must start and end in Malta; the reviewed sources do not describe or permit purchasing cover once the traveller is already abroad
Chronic conditions
Any chronic or recurring illness, and any disease, physical defect, infirmity or illness which existed before the start of the insured journey, are excluded from cover, which is important for travellers with conditions such as heart disease, diabetes or hypertension
Pregnancy
The policy document, IPID, brochure and forms reviewed contain no specific terms, benefits or exclusions relating to pregnancy
Pre-existing condition exclusions
Claims arising directly or indirectly from a pre-existing medical condition known to the insured person, a close relative, a close business associate, or any person with whom the insured arranged to travel or stay, before the policy was issued, are excluded
Coverage duration limit
The insured journey must start and end in Malta and must not exceed six months in duration unless the insurer agrees otherwise; the policy itself may be issued up to three months in advance of the departure date
Policy specifics
Medical and Emergency Travel Expenses
Covers doctor visits, prescribed medication, and hospital treatment (state or private) when travelling abroad, subject to no pre-existing medical condition exclusion
Pre-existing Medical Conditions Exclusion
Any claims arising from pre-existing medical conditions are not covered under the policy
Personal Accident Coverage
Covers accidental bodily injury or death during travel
Personal Baggage Coverage
Covers lost, damaged, or delayed baggage during transit
Missed Departure Coverage
Covers costs when insured person misses a scheduled departure
Money and Passport Indemnity
Covers theft or loss of money and costs for replacing passport
Travel Delays Coverage
Covers expenses due to travel delays
Cancellation and Curtailment Coverage
Covers costs for cancelling or curtailing a trip
Worldwide Coverage Extension
Policy can be extended to cover worldwide travel beyond Europe
Winter Sports Coverage Extension
Policy can be extended to cover winter sports activities
Maximum Trip Duration
Coverage available for trips up to 3 months duration
Age-Based Premium Adjustments
Children under 2 years free; children 2-16 years charged at half premium; persons over 70 years charged double premium
Material Facts Disclosure Requirement
All material facts likely to influence insurance issue must be declared and remain truthful throughout policy term
Dangerous Sports and Manual Work Exclusion
Coverage excludes dangerous sports/activities or manual work, except non-competitive non-professional sports in certain sections
Claim Notification Timeframe
Claims must be notified within specific timeframes: 7 days for damage/liability; 7 days after return for baggage; 48 hours for money theft/loss; 24 hours for passport loss
Policy Cancellation Right
Right to cancel policy within 14 days of issue or receipt of terms and conditions, provided no claim has been lodged
Territorial Coverage Scope
Insurance territory must be as described in policy schedule; coverage available for Europe and/or worldwide depending on selected option
Insurer Right to Defend and Settle Claims
Elmo Insurance can defend and settle any legal action on insured's behalf and recover payments from liable third parties
Health Requirements Compliance
Policy may be cancelled with immediate effect if insured fails to comply with health requirements specified in policy document