GasanMamo
GasanMamo is a travel insurance for the MT market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
MT
Area 1 (Europe including Russia west of Ural Mountains, countries bordering the Mediterranean, Azores, Canary Islands, Madeira and Iceland), Area 2 (Worldwide excluding USA and Canada), Area 3 (Worldwide including USA and Canada)
Starting from
€26
Unique selling points
- Executive Cover provides up to €1,000,000 in emergency medical and associated expenses — one of the highest limits available in the Maltese market.
- COVID-19 cover is included as standard in all policy tiers since June 2021, covering cancellation, quarantine accommodation, and emergency medical expenses at no extra cost.
- 24/7 worldwide emergency assistance is provided by Crisis24 (Collinson Medical Assistance), with hospital fee guarantees and repatriation coordination fully funded by GasanMamo.
- Free cover for children under 16 is automatically included under the Annual Travel policy when parents or guardians are insured, with no additional premium.
- An optional excess waiver for all cover sections is available at a flat fee of €5, eliminating the standard €25–€35 out-of-pocket deductible on every claim.
Coverage limits
Emergency Medical & Associated Expenses
Covered
Covers emergency medical treatment (including rescue services to take you to hospital) and emergency dental treatment incurred outside Malta, and in Malta up to €700 (Basic), €1,000 (Standard) or €1,250 (Executive) for treatment within 3 months after booked return date. Also covers repatriation and additional accommodation/travel expenses. Maximum limits: Basic €25,000; Standard €200,000; Executive €1,000,000.
Emergency Medical Treatment
Covered
Emergency medical treatment including rescue services to take the insured to hospital. Covered under Section F (Emergency Medical & Associated Expenses). Limit shared with the overall Section F maximum: Basic €25,000; Standard €200,000; Executive €1,000,000. In-Malta post-return treatment covered up to €700/€1,000/€1,250 for Basic/Standard/Executive within 3 months of booked return date.
Hospital Cash Benefit
Conditional
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 Emergency Medical Treatment
Covered
Outpatient emergency medical treatment is covered under Section F (Emergency Medical & Associated Expenses) as part of the overall emergency medical expenses limit. The policy does not separately enumerate outpatient treatment; it is subsumed under the Section F aggregate limit (Basic €25,000; Standard €200,000; Executive €1,000,000). Non-emergency treatment or surgery not directly related to the illness or injury necessitating hospital admission is excluded.
Emergency Dental Treatment
Covered
Emergency dental treatment for relief of pain or where rendered necessary by injury is covered under Section F as part of the overall emergency medical expenses limit. Dental treatment does not include provision of dentures, artificial teeth, or any dental work involving use of precious metals.
Medical Transport (Rescue Services)
Covered
Rescue services to take the insured to hospital are included within Section F Emergency Medical & Associated Expenses. Also covers reasonable additional travel expenses to return home if the insured cannot use the return ticket. Covered under the aggregate Section F limit (Basic €25,000; Standard €200,000; Executive €1,000,000).
Medical Evacuation / Repatriation
Covered
Repatriation to Malta is arranged by the most appropriate method if medically suitable, coordinated by Collinson Medical Assistance (Crisis24). Medical advisors are consulted regarding the possibility of repatriation. Covered under Section F aggregate limit (Basic €25,000; Standard €200,000; Executive €1,000,000). Contact must be made with Collinson Medical Assistance before repatriation arrangements are made.
Repatriation of Remains
Covered
Covers the cost of returning the body to the insured's home address in Malta, or the cost of burial or cremation in the country abroad where death occurred. Covered under Section F within the aggregate emergency medical limit (Basic €25,000; Standard €200,000; Executive €1,000,000).
Search and Rescue
Excluded
The policy does not include a separate search and rescue benefit. Rescue services to take the insured to hospital are included within the Section F emergency medical expenses but standalone search and rescue operations are not explicitly covered.
COVID-19 Emergency Medical & Associated Expenses
Covered
Section H provides COVID-19 emergency medical treatment (including rescue services to hospital) and repatriation of remains. Age-based limits apply: age up to 69 (Basic €25,000; Standard €200,000; Executive €1,000,000); age 70–75 (all tiers €25,000); age 76–80 (Basic only €25,000; Standard/Executive not available). Section H also covers cancellation charges (up to €7,500 Executive) and additional travel/accommodation expenses during forced quarantine. Subject to warranty that insured was not in quarantine, COVID-positive, symptomatic, or awaiting test result at policy inception.
Pre-existing Medical Conditions
Excluded
Claims under Sections D, E, F, G, H and S are subject to the express warranty that the insured was not receiving or awaiting medical or surgical treatment at policy inception, and was not suffering from a serious or chronic illness/injury requiring consultation or treatment within the past 12 months. Costs arising from medical conditions where the insured travels against medical advice are also excluded. Conditions for which the insured is receiving in-patient treatment, on a waiting list, or has received a terminal prognosis at time of purchase are excluded.
Winter Sports Cover
Optional
Optional extension available upon payment of additional premium (2 times the adult rate). Covers: Section Q – Winter sports equipment loss/theft/damage (Basic €350; Standard €1,000; Executive €2,000); Section R – Piste closure cover (Basic/Standard €25/day up to €200; Executive €35/day up to €350); Section S – Ski pack cover for non-refundable ski pack if unable to ski due to injury/illness (Basic €100; Standard €250; Executive €500). Excluded activities even with winter sports premium: ski racing in major events, ski jumping, ice hockey, ski boarding, use of bob sleighs or skeletons.
Adventure / High-Risk Sports Cover
Excluded
Motor cycling exceeding 125cc, quad biking, mountaineering, rock climbing, hunting, trapping, pot-holing, rafting or canoeing involving white water rapids, bungee jumping, jet skiing, sub-aqua diving, kayaking, tubing, organised team sports, speed/time trials, sprints or racing of any kind, and taking part in expeditions or crewing a vessel from one country to another are all excluded under Sections D, E, F, G, H and S. Organised team sports coverage may be bought back as an optional extra per the product-specific constraints.
Pregnancy Complications
Conditional
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.
Personal Liability
Covered
Covers all sums for which the insured becomes personally legally liable for accidents resulting in death or bodily injury of any person, or loss of/damage to property, occurring during the period of insurance. Maximum €1,250,000 per occurrence. Legal costs and expenses awarded against or incurred by the insured (with written permission) are also covered. Excludes communicable disease liability, liability from trade/business/profession, ownership of motorised vehicles, and various high-risk activities.
Legal Costs and Expenses (within Personal Liability)
Conditional
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.
24-Hour Worldwide Emergency Assistance
Covered
24-hour worldwide emergency assistance service provided by Collinson Medical Assistance (Crisis24) at no additional cost to the insured. Assistance coordinators contact hospitals, guarantee medical fees, consult medical advisors, and arrange repatriation. Contact: Tel +44 (0) 207 902 7131 (24/7), email: opsassist@crisis24.com. The cost of this service is paid by GasanMamo Insurance.
Key conditions
Assistance call deadline
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.
Unauthorized treatment
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.
Purchase while abroad
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
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
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.
pre_existing_conditions
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
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).
Where to buy
Policy specifics
COVID-19 Coverage
Automatic cover for COVID-19 related expenses including trip cancellation charges, additional travel and accommodation expenses, and emergency medical and associated expenses
Excess Waiver
Optional extension to waive the policy excess against payment of an additional premium
Malta Residency Requirement
All insured persons must be normally resident in Malta at the date of issue of the Schedule
Trip Type Requirement
Policy covers conventional holidays or business trips of a commercial nature only
High-Risk Activity Exclusions
Exclusions apply to motorcycling exceeding 125cc, mountaineering, rock climbing, bungee jumping, sub-aqua diving, organized team sports and other high-risk activities
Free Children Coverage
Free cover for children under 16 years of age when parents and/or guardians are insured under the annual policy
Trip Duration Limits by Geographic Area
Europe (Area 1): up to 30 days, 6 months, or 12 months per trip; Worldwide excluding USA & Canada (Area 2): up to 30 days or 6 months; Worldwide including USA & Canada (Area 3): up to 30 days or 6 months
24-Hour Worldwide Emergency Assistance
Policy includes worldwide 24-hour emergency assistance helpline managed by Crisis24 (formerly Collinson Medical Assistance)
Claim Notification Requirement
Insured must report any event which might lead to a claim as soon as possible, but within 7 days following arrival to Malta