Elmo Insurance Travel insurance (Travel Insurance)

Medical and Emergency Travel Expenses

Covers doctor visits, prescribed medication, and hospital treatment (state or private) when travelling abroad, provided the condition is not a pre-existing medical condition

Section: Travel FAQs > e. What should I do if I become ill, or have an accident, whilst outside of Malta?

If you need to visit a doctor, your policy will cover you for the doctor's fee as well as the prescribed medication (subject this is not a pre-existing medical condition).

Pre-existing Medical Conditions Exclusion

Any claims arising from pre-existing medical conditions are not covered under the policy

Section: Travel FAQs > c. Are medical problems that I have had in the past covered under my policy?

Any claims arising from pre-existing medical conditions are not covered.

Personal Accident Coverage

Covers accidental bodily injury or death during travel

Section: What is insured?

Personal accident (€15,000 / €30,000)

Personal Baggage Coverage

Covers lost, damaged, or delayed baggage during transit

Section: Travel FAQs > b. I am taking expensive equipment with me. Is that covered?

Any item is covered up to a limit of € 250.

Missed Departure Coverage

Covers costs when insured person misses a scheduled departure

Section: What is insured?

Missed departure (€300 / €700)

Money and Passport Indemnity

Covers theft or loss of money and costs for replacing passport

Section: Section 5: Personal Money and Passport Indemnity > What is covered

The Insured Person will be indemnified for theft or loss of personal Money during the Insured Journey or the 72 hours immediately preceding the commencement of the Insured Journey

Travel Delays Coverage

Covers expenses due to travel delays

Section: Elmo Insurance Ltd updates its Travel Insurance Policy

Personal accident, medical and emergency travel expenses, personal baggage, money, passport indemnity, personal liability, travel delays, missed departure

Cancellation and Curtailment Coverage

Covers costs for cancelling or curtailing a trip

Section: Section 3: Cancellation, Curtailment and Change of Itinerary > What is covered

but You are forced to cancel Your travel plans or cut short Your journey and return to Malta because of one of the following changes in circumstances which is beyond Your control

Worldwide Coverage Extension

Policy can be extended to cover worldwide travel beyond Europe

Section: Travel FAQs > f. Does my policy cover me outside of Europe?

Yes. The policy can be extended to cover you world-wide subject to an appropriate additional premium.

Winter Sports Coverage Extension

Policy can be extended to cover winter sports activities

Section: Travel FAQs > g. Does my policy cover me for winter sports or adventure-type holidays?

Yes. The policy can be extended to cover you for winter sports subject to an additional premium.

Maximum Trip Duration

Each insured journey must start and end in Malta and must not exceed 6 months in duration unless Elmo agrees otherwise.

Section: Meaning of Words > Insured Journey

The journey must start and end in Malta and not exceed 6 months in duration unless We agree otherwise.

Age-Based Premium Adjustments

Children under 2 years free; children 2-16 years charged at half premium; persons over 70 years charged double premium

Section: Travel Insurance

Children under the age of two are free of charge and children between 2 and 16 years of age are charged at half the premium provided they are accompanied by an adult insured under the same policy, and they remain with the child throughout the journey Persons over 70 years are charged double the premium and full detailed medical report must be presented prior to quotation

Material Facts Disclosure Requirement

All material facts likely to influence insurance issue must be declared and remain truthful throughout policy term

Section: Important Notes > Material facts

A fact which is likely to influence our assessment for the issue or otherwise of this insurance. You must declare to Us all material facts that are likely to affect this insurance.

Dangerous Sports and Manual Work Exclusion

Coverage excludes dangerous sports/activities or manual work, except non-competitive non-professional sports in certain sections

Section: What is not insured?

Any dangerous sports/activities or manual work.

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

Section: iTravel Terms & Conditions

You must inform us in writing of damage or liability which may result in a claim under this policy within 7 days from the date of damage or liability or when the damage or liability becomes known to you. You must inform us in writing of any personal baggage claim within not later than 7 days following your return to Malta. In the case of a claim relating to theft or loss of money, you must file a report with the police within 48 hours of discovery of such theft or 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

Section: Where am I covered?

The insured territory as described in your policy schedule.

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

Section: General Conditions > Right of recovery

Elmo Insurance Ltd can defend and settle any legal action in Your name. We can recover any payment We make under the Policy from anyone else at Our own expense and for Our own benefit and We can do it in Your name.