Pending review

GasanMamo Travel insurance (Annual Travel)

Underwritten by GasanMamo Insurance Ltd · Malta

travel insurance from GasanMamo for the Malta market, with online purchase and 24/7 assistance.

Verified Oct 15, 2026 · Terms dated 2026-05-04Sources

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Key facts

Personal liability up to €1,250,000

Unique selling points

Executive Cover provides Emergency Medical and Associated Expenses up to €1,000,000, well above typical market minimums

COVID-19 cover is included as standard, covering cancellation, additional travel/accommodation costs and emergency medical expenses at no extra cost

Children under 16 years of age are covered free of charge when their parents or guardians are insured under the annual policy

An optional Excess Waiver lets clients remove the standard policy excess from eligible claims for an additional premium

The 24 Hour Worldwide Crisis24 Assistance Service guarantees hospital fees and coordinates repatriation, funded entirely by GasanMamo

Coverage limits

Covered

Emergency Medical and Associated Expenses

€200K – €1M

in total for the policy period

Total amount payable per insured for accidental bodily injury, illness or death during the trip, including emergency medical/dental treatment, additional accommodation and travel costs, and costs of returning home early: €200,000 under Standard Cover, €1,000,000 under Executive Cover

Section: Section F > Limit of amount payable

for Standard Cover €200,000 Executive Cover €1,000,000

Covered

Emergency Medical Treatment

€200K – €1M

Emergency medical treatment (including rescue services to hospital) incurred outside Malta is covered within the overall Emergency Medical and Associated Expenses limit of €200,000 (Standard) / €1,000,000 (Executive), subject to a medical certificate from the treating doctor abroad

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Section: What is insured? > Standard and Executive Cover

Emergency Medical & Associated Expenses – up to €1,000,000 for emergency medical treatment and additional reasonable expenses incurred if you suffer accidental bodily injury, illness or death during the period of insurance including repatriation expenses.

Covered

Hospital Cash Benefit

€750 – €900

per day

Fixed in-patient cash benefit (not expense reimbursement) if admitted to a hospital abroad licensed for surgery: €25/24h up to €750 total (Standard) or €30/24h up to €900 total (Executive); increased to €50/24h if the European Health Insurance Card is used. Actual in-patient treatment costs are reimbursed separately under the Emergency Medical and Associated Expenses section

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Section: What is insured? > Standard and Executive Cover

Hospital benefit – benefit of up to €30 per day, maximum €900 if you are admitted to hospital during your trip.

Covered

Outpatient Emergency Treatment

Covered

Outpatient emergency medical treatment abroad is covered within the overall Emergency Medical and Associated Expenses limit; no separate outpatient sub-limit is specified in the policy

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Section: What is insured? > Standard and Executive Cover

Emergency Medical & Associated Expenses – up to €1,000,000 for emergency medical treatment and additional reasonable expenses incurred if you suffer accidental bodily injury, illness or death during the period of insurance including repatriation expenses.

Covered

Emergency Dental Treatment

€1K – €1.3K

Emergency dental treatment incurred outside Malta is covered within the overall Emergency Medical limit; treatment (medical or dental) required in Malta within 3 months of the booked return date is capped at a shared sub-limit of €1,000 (Standard) / €1,250 (Executive)

Covered

Medical Transport / Rescue Services

Covered

Rescue services to take the insured to hospital are covered as part of the overall Emergency Medical and Associated Expenses limit; no separate transport sub-limit is stated

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Section: What is insured? > Standard and Executive Cover

Emergency Medical & Associated Expenses – up to €1,000,000 for emergency medical treatment and additional reasonable expenses incurred if you suffer accidental bodily injury, illness or death during the period of insurance including repatriation expenses.

Covered

Medical Evacuation / Early Return

Covered

Reasonable additional travel and accommodation expenses necessary to get the insured home if the return ticket cannot be used, or to return early due to a close relative's injury, illness or death, are covered within the overall Emergency Medical and Associated Expenses limit

Covered

Repatriation of Remains

Covered

The cost of returning the insured's body to their home address, or the cost of burial or cremation abroad where death occurred, is covered within the overall Emergency Medical and Associated Expenses limit

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Section: What is insured? > Standard and Executive Cover

Emergency Medical & Associated Expenses – up to €1,000,000 for emergency medical treatment and additional reasonable expenses incurred if you suffer accidental bodily injury, illness or death during the period of insurance including repatriation expenses.

Covered

Search and Rescue

Covered

Rescue services required to take the insured to hospital following an accident or illness abroad are covered within the overall Emergency Medical and Associated Expenses limit

Covered

COVID-19 Cover

€1M

Cover for COVID-19 includes up to €7,500 for cancellation/abandonment charges, up to €100 per 24-hour period (max €1,000) for additional travel and accommodation expenses, up to €500 for additional return travel expenses, and up to €1,000,000 for emergency medical and associated expenses if the insured contracts COVID-19 while on a trip; this section overrides the general coronavirus exclusion elsewhere in the policy

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Section: What is insured? > Standard and Executive Cover

COVID-19 cover – Up to €7,500 for cancellation and abandonment charges; up to €100 for every complete 24 hour period up to a maximum of €1,000 for additional travel and accommodation expenses.

Excluded

Pre-existing Conditions

Excluded

Claims under the Personal Accident, Cancellation and Curtailment, Emergency Medical and Hospital Cash Benefit sections are excluded if the insured was receiving or awaiting medical/surgical treatment at inception, or suffering from a serious or chronic illness/injury requiring consultation or treatment within the preceding 12 months (Health Warranty)

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Section: What is not insured?

Claims arising from any insured person or persons with whom the insured arranged to stay was receiving or awaiting medical or surgical treatment at the time effecting this insurance.

Optional

Winter Sports Cover

€1K – €2K

Optional extension (additional premium required) covering loss/theft/damage to winter sports equipment up to €1,000 (Standard) / €2,000 (Executive); also unlocks related Piste Closure cover (up to €200/€350) and Ski Pack cover (up to €250/€500)

Section: Section Q > Winter Sports Equipment > Limit of amount payable

for Standard Cover €1,000 Executive Cover €2,000

Excluded

Adventure Sports Cover

Excluded

Death, injury, illness or disablement resulting from mountaineering, rock climbing, hunting, trapping, pot-holing, white-water rafting/canoeing, bungee jumping, jet skiing, sub-aqua diving, kayaking, tubing or organised team sports is excluded

Pregnancy Complications

Not established from the reviewed documents

Not addressed as a distinct benefit in the policy wording or IPID

Covered

Personal Liability

€1.3M

per event

Covers all sums the insured becomes personally legally liable to pay for accidents during the trip resulting in death or bodily injury of any person or loss of/damage to property, up to €1,250,000 for all claims from any one occurrence, plus extra costs and expenses awarded/incurred with written permission; this limit applies equally under Standard and Executive Cover

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Section: What is insured? > Standard and Executive Cover

Personal liability – up to €1,250,000 for legal costs and expenses incurred if you cause an accident during your trip which results in death or bodily injury to third parties.

Covered

Legal Assistance / Costs

Covered

Extra legal costs and expenses awarded against the insured or incurred with GasanMamo's written permission are paid as part of the Personal Liability section, without a separately stated sub-limit

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Section: What is insured? > Standard and Executive Cover

Personal liability – up to €1,250,000 for legal costs and expenses incurred if you cause an accident during your trip.

Covered

24/7 Worldwide Emergency Assistance

Covered

The 24 Hour Worldwide Crisis24 Assistance Service, paid for by GasanMamo, contacts hospitals, guarantees necessary medical fees, consults medical advisors and arranges repatriation to Malta when medically suitable

Section: 24 Hour Worldwide Assistance Service > Crisis24 Assistance Service

The cost of the Crisis24 Assistance Service is paid by us.

Key conditions

Assistance call deadline

The insured must contact GasanMamo with full details in writing as soon as possible, but not later than seven days following arrival back in Malta, after any bodily injury, illness, incident, unemployment or discovery of loss/damage; Cancellation and Curtailment claims must be notified immediately once the insured becomes aware of a reason to cancel or curtail

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Section: What are my obligations?

You must tell us about any event which might lead to a claim as soon as possible, but within 7 days following your arrival to Malta.

Unauthorized treatment

No payment is made for any in-patient treatment or repatriation expenses or fees that have not been agreed in advance by GasanMamo Insurance or the Crisis24 Assistance Service

GasanMamo Travel insurance (Annual Travel)

Unique selling points

Coverage limits

Key conditions

Documents

Policy specifics

Sources