MAPFRE Middlesea Travel insurance (Travel Medical Standard)
Underwritten by MAPFRE Middlesea p.l.c. · Malta
travel insurance from MAPFRE Middlesea for the Malta market, with online purchase and 24/7 assistance.
Verified Jun 3, 2026 · Terms dated 2022-05-01Sources
Key facts
- Medical transport up to €50,000 – €750,000
- Starting price: €16per tripAs published by the insurer — it does not say who the price is for
Unique selling points
Emergency medical expenses coverage reaches up to €750,000 under the Club tier, substantially exceeding the minimum required for Schengen visa travel insurance.
24/7 worldwide travel assistance is provided directly from a dedicated call-centre in Malta, ensuring local-language emergency support accessible around the clock at +356 2248 0209.
Personal liability coverage of €1,250,000 is uniform across all three plan tiers (Low Cost, Economy, Club), providing high third-party protection regardless of the chosen premium level.
An optional COVID-19 Extension is available to insured persons up to age 80, covering both cancellation and emergency medical expenses related to COVID-19, purchasable per person per trip.
If the insured's medical expenses are reduced through use of a European/Global Health Insurance Card or private health insurance, the Section 2 policy excess is waived entirely, rewarding responsible policyholders.
Coverage limits
Emergency Medical Expenses
€50K – €750K
Covers emergency medical treatment outside Malta including rescue services to take the insured to hospital, nursing fees, emergency dental treatment for immediate pain relief (natural teeth only), additional accommodation and transport if advised to stay longer, cost of returning home, and follow-up treatment in Malta within 3 months of return. Three tiers: Low Cost €50,000, Economy €250,000, Club €750,000.
Section: What is insured?
Emergency medical expenses Low cost: €50,000 Economy: €250,000 Club: €750,000
Emergency Medical Treatment
€50K – €750K
Any sudden and unexpected medically necessary surgical or medical procedure, consultation, test or investigation to cure or actively and substantially relieve an acute medical condition, provided outside Malta. Excludes non-emergency treatment, treatment that can wait until return to Malta, cosmetic surgery, and medication known to be needed before departure.
Hospital Benefit (In-patient Cash Benefit)
€500 – €1K
Cash benefit of €25 for every 24 hours spent as an in-patient in a hospital outside Malta towards incidental expenses (e.g. telephone calls). Maximum: Low Cost €500, Economy €750, Club €1,000. In-patient treatment must be notified and authorised by MAPFRE Middlesea in advance.
Section: What is insured?
Hospital benefit of €25 per day spent in hospital abroad up to a limit of: Low cost: €500 Economy: €750 Club: €1,000
Follow-up Outpatient Treatment in Malta
€750 – €1.3K
Covers additional related treatment required in Malta within 3 months after the booked return date, up to Low Cost €750, Economy €1,000, Club €1,250.
Section: What is insured?
Additional related treatment in Malta Low cost: €750 Economy: €1,000 Club: €1,250
Emergency Dental Treatment
Covered
Covers emergency dental treatment for the immediate relief of pain to natural teeth only, incurred outside Malta. Included within the Section 2 medical expenses limit; no separate sub-limit stated in the IPID.
Medical Transport & Repatriation
€50K – €750K
Covered under Section 2 as part of the emergency medical expenses limit. Includes rescue services to take the insured to hospital, additional economy-class transport costs if advised to stay longer, and the additional cost of returning home if unable to use the return ticket. The insurer reserves the right to arrange repatriation when medically safe.
Medical Evacuation
€50K – €750K
Included within Section 2 emergency medical expenses. The insurer may relocate the insured from one hospital to another and arrange repatriation to Malta when the medical practitioner or World-Wide Assistance confirms it is safe to do so. Limit is shared with the overall Section 2 cap (Low Cost €50,000, Economy €250,000, Club €750,000).
Repatriation of Remains
€50K – €750K
Covers the cost of burying or cremating the insured in the country outside Malta where death occurs, or the additional cost of returning the body or ashes to the insured's home. Included within the Section 2 medical expenses limit.
Search and Rescue / Rescue to Hospital
Covered
Rescue services to take the insured to hospital are explicitly included under Section 2A as part of emergency medical treatment outside Malta. No separate standalone search and rescue limit is stated; covered within the overall Section 2 medical expenses cap.
COVID-19 Medical Expenses (Optional Extension)
€50K – €750K
COVID-19 emergency medical expenses (including rescue services) are excluded by default under the pandemic general exclusion. An optional COVID-19 Extension is available at additional premium per person per trip (Low Cost +€8, Economy +€15, Club +€33) for persons aged up to 80. When purchased, Section 2 is extended to cover emergency medical expenses and hospital benefit arising from COVID-19. Cover cannot be purchased if the insured, travelling companion, close relatives, or hosting persons already have symptoms, test positive, or are awaiting results for COVID-19.
Section: What is insured?
Winter sports extension, Waiver of excess, and COVID-19 extension are available at an additional premium
Pre-existing Medical Conditions
Excluded
Explicitly excluded. A pre-existing medical condition is defined as any medical condition for which during the last 24 months the insured has been taking or has been taking prescribed medication, or is waiting to receive or has received treatment (including surgery, tests or investigations). Claims under Section 1 (Cancellation) and Section 2 (Emergency Medical) will not be entertained if directly or indirectly resulting from a pre-existing medical condition of the insured or any travelling companion.
Section: What is not insured?
Any pre-existing medical condition of a serious or chronic nature and/or injury which required consultation or treatment during the past 24 months;
Winter Sports Extension
€50K – €750K
Winter sports and the use of dry ski-slopes are excluded by default. An optional Winter Sports Extension is available at 2.5 times the basic premium. When purchased, coverage for winter sports is added, but certain activities remain excluded: off-piste skiing without a guide, skiing against local authoritative warning or advice, ski-racing, ski-boarding, ski-stunting, free-style skiing, Nordic skiing, ice hockey, bobbing, heli skiing, ski acrobatics, ski flying, ski jumping, ski mountaineering, snowcat skiing, snow carting, snow mobiling, or use of bob sleighs, luges, or skeletons.
Section: What is not insured?
Winter sports unless the extension is purchased but some extreme winter sports activities are still excluded;
Adventure / Extreme Sports
Excluded
Explicitly excluded under 'Excluded Activities'. Excluded activities include rock-climbing or mountaineering requiring ropes or guides, potholing, parachuting, hand-gliding, coasteering, rafting or canoeing involving white water rapids, bungee jumping, sky diving, jet skiing, kayaking, tubing, and sub-aqua diving (except scuba diving of less than 15 metres depth if suitably qualified or supervised by a professional instructor under the 2022 policy wording). Speed/time trials, sprints, or racing of any kind other than on foot, motor rallies, and motor competitions are also excluded.
Section: What is not insured?
Participating in excluded activities such as parachuting, bungee jumping and sky diving - all detailed in the policy wording;
Pregnancy Complications
Conditional
Pregnancy or childbirth is excluded where the expected date of delivery is less than 12 weeks (or 16 weeks in the case of a multiple pregnancy) before the commencement date of the trip. Normal pregnancy and childbirth are not covered. Emergency complications of pregnancy before the exclusion threshold may be eligible under Section 2 emergency medical expenses subject to not being a pre-existing condition and not having travelled against medical advice.
Personal Liability to Others
€1.3M
Covers legal liability for damages, claimant's costs and expenses arising from an accidental bodily injury, illness, death or accidental property loss or damage during the trip. Limit: €1,250,000 across all three tiers (Low Cost, Economy, Club). Excess: €50. Defense costs covered if agreed in advance. Excludes liability for household members, close relatives, travelling companions, property in care, fines/penalties, business activities, and ownership/occupation of land or buildings.
Section: What is insured?
Personal liability €1,250,000
Legal Defense Costs (within Liability)
€1.3M
Defense costs and expenses are covered within the personal liability section (Section 5) if agreed by the insurer in advance. No separate standalone legal assistance limit; covered within the €1,250,000 liability limit.
24/7 Worldwide Travel Assistance
unlimited
24/7 worldwide travel assistance is included in all plans via the insurer's call-centre in Malta. Emergency assistance telephone number: +356 2248 0209. Available for claims under Section 2 (Emergency Medical) and Section 6 (Personal Accident). No separate monetary limit stated; the assistance service itself is unlimited in availability.
Section: Summary
The travel policy includes worldwide travel assistance on a 24/7 basis from our call-centre in Malta.
Key conditions
Assistance call deadline
In the event of a claim under Section 2 (Emergency Medical and Associated Expenses and Hospital Benefit) and Section 6 (Personal Accident), the insured may contact the Assistance Centre on the telephone number stated in the Schedule (+356 2248 0209). In-patient hospital treatment or surgery must be notified and authorised by MAPFRE Middlesea p.l.c. in advance; failure to obtain authorisation for in-patient treatment or going home early will result in the cost not being covered.
Unauthorized treatment
The cost of in-patient hospital treatment or going home early that is not authorised by MAPFRE Middlesea in advance will not be paid (Section 2, exclusion ii). Additionally, costs incurred following the insured's decision not to return to Malta after the date when, in the insurer's opinion, it was safe to do so will not be paid.
Purchase while abroad
The policy may be purchased before or at the commencement of the trip. Cancellation cover commences from the date of policy issue. All other cover operates during the period of travel shown on the policy schedule. The policy is purchased before commencement of cover; payment must be made before cover begins.
Chronic conditions
No cover if the insured was suffering from a serious or chronic illness and/or injury which required consultation or treatment during the past 24 months at the time of policy purchase (General Exclusion). Pre-existing medical conditions (any condition for which prescribed medication was taken or treatment received in the last 24 months) are excluded from Sections 1 and 2 under the Health Warranty.
SourcePage 2Section: What is not insured?
Any pre-existing medical condition of a serious or chronic nature and/or injury which required consultation or treatment during the past 24 months;
Pregnancy
Pregnancy or childbirth is excluded where the expected date of delivery is less than 12 weeks (16 weeks for multiple pregnancy) before the trip commencement date. Normal pregnancy and routine ante/postnatal care are not covered. Emergency complications arising before the exclusion threshold may fall within Section 2 emergency medical, subject to not constituting a pre-existing condition and not having travelled against medical advice.
Pre-existing condition exclusions
Pre-existing medical condition means any condition for which during the last 24 months the insured has been taking or has been taking prescribed medication, or is waiting to receive or has received treatment (including surgery, tests or investigations). Claims under Sections 1 and 2 will not be entertained if directly or indirectly resulting from a pre-existing medical condition of the insured or any travelling companion. In addition, no cover applies if the insured was receiving or awaiting medical or surgical treatment at the time of purchasing the policy, or was suffering from a serious or chronic illness/injury requiring consultation or treatment during the past 12 months.
Coverage duration limit
Each trip must start and finish in Malta and must not exceed 180 consecutive days unless otherwise agreed. Cover is automatically extended by up to 30 days without additional premium if the insured is prevented from returning due to bodily injury or illness.
SourcePage 2Section: Are there any restrictions on cover?
Each trip cannot be longer than 180 consecutive days.
Direct payment
In-patient hospital treatment or surgery must be notified and authorised by MAPFRE Middlesea p.l.c. in advance. If valid medical expenses were reduced due to use of a Global/European Health Insurance Card or private health insurance, the Section 2 excess will not be applied. Reimbursement is made on production of medical certificates, receipts, and bills. The insurer reserves the right to relocate the insured from one hospital to another and arrange repatriation to Malta when medically safe.
Territorial scope
Worldwide (area selectable: Area 1 – Europe incl. Mediterranean/Russia west of Urals/Iceland; Area 2 – Worldwide excl. USA & Canada; Area 3 – Worldwide). Trips must start and terminate in Malta; maximum 180 consecutive days per trip.
Documents
Travel Insurance Policy – Insurance Product Information Document (Single Trip, April 2022) (opens in a new tab)
Product information sheet · PDF
Annual Travel Insurance Policy – Insurance Product Information Document (April 2022) (opens in a new tab)
Product information sheet · PDF
Travel Insurance Policy – Full Policy Wording TRVP-V1.0 (01 May 2022) (opens in a new tab)
Terms & conditions · PDF
MAPFRE Middlesea Travel Insurance Documents page (index of all policy documents) (opens in a new tab)
Other document · PDF
Policy specifics
Emergency Medical Expenses
Coverage for emergency medical treatment outside Malta including rescue services to take insured to hospital
SourcePage 5Section: Section 2 – Emergency Medical and Associated Expenses and Hospital Benefit
emergency medical treatment outside Malta including rescue services to take you to hospital and nursing fees and charges incurred;
Cancellation & Abandonment Coverage
Covers travel and accommodation expenses that have been paid or contracted and cannot be recovered if trip is cancelled or abandoned due to death, bodily injury or illness
SourcePage 1Section: What is insured?
Costs due to unavoidable cancellation or abandonment of the trip
Baggage & Personal Belongings
Coverage for loss of luggage, personal money, credit/debit cards and personal belongings including valuables
SourceSection: Benefits and Advantages > Personal Belongings
We will pay you the expenses to substitute or mend your personal belongings if during your travel these are accidentally damaged, lost or stolen. This includes luggage, clothing, valuables, sports equipment, musical instruments and other items which you normally wear or carry with you.
Delayed Departure
Coverage triggered when travel departure from Malta is delayed for at least 24 hours
SourceSection: Benefits and Advantages > Unavoidable cancellation
We cover you if the travel is unavoidably cancelled as a result of the departure from Malta being delayed for at least 24 hours.
Personal Accident Benefit
Coverage for bodily injury or death occurring during the trip due to accidental means
SourceLoss of Travel Documents
Coverage for extra travel, accommodation and communication expenses if travel documents are damaged, lost or stolen abroad
SourceRental Vehicle Policy Excess
Coverage for rental vehicle policy excess if involved in accident or if vehicle is stolen
SourcePage 1Section: What is insured?
Rental vehicle policy excess Low cost: €500 Economy: €750 Club: €1,000
Home Loss Due to Fire/Storm
Extra costs covered if home becomes unfit to live in due to fire, explosion, storm, flooding or aircraft impact
SourceSection: Benefits and Advantages > Abandonment of Trip
Extra costs will be paid if you must abandon the trip because your home or that of your travelling companion(s) is made unfit to live in by fire, explosion, storm, flooding or impact by aircraft.
Trip Interruption Due to Family Illness
Coverage for extra accommodation and travel costs if required to stay abroad longer due to illness, or if family member becomes ill and forced to remain
SourceSection: Benefits and Advantages > Additional Accommodation Expenses
If you are warned by a doctor that you should stay longer outside Malta than you planned, we include the cost of additional room only accommodation expenses of a similar kind to the one you previously had. We also cover the extra travel and room only accommodation costs of one relative who has to travel or stay with you, providing both if it is necessary.
COVID-19 Extension
Optional extension available at additional premium covering cancellation and medical expenses related to COVID-19
SourceSection: Optional Cover COVID-19 Extension – Frequently Asked Questions > How can I purchase the COVID-19 extension?
The COVID-19 extension is available along with a travel insurance product, so when taking out a travel insurance you can opt to purchase the COVID-19 extension at an additional premium which varies according to the travel plan selected.
Pre-existing Medical Condition Exclusion
Any medical condition for which during the last 24 months the insured has been taking prescribed medication or receiving treatment is excluded unless specifically agreed
SourcePage 2Section: DEFINITIONS
Pre‑existing Medical Condition means any medical condition that you or your travelling companion have, or have had, for which during the last 24 months you: • are taking or have been taking prescribed medication; • are waiting to receive, or have received treatment (including surgery, tests or investigations).
Travel Against Medical Advice
No cover for any illness if insured has travelled against the advice of a doctor
SourceSection: Requirements & Restrictions
We do not cover an illness if you have travelled against the advice of a doctor.
Planned Medical Treatment Exclusion
No cover for medical conditions for which insured was planning to obtain medical treatment during the trip
SourceSection: Requirements & Restrictions
We do not cover either a medical condition for which you were planning to obtain medical treatment during your trip.
Residency Requirement
Policy available only to persons resident in Malta
SourcePage 2Section: Are there any restrictions on cover?
To persons resident in Malta
Round Trip from/to Malta
Trips must start and terminate in Malta; each trip cannot exceed 180 consecutive days.
SourcePage 2Section: Are there any restrictions on cover?
Each trip cannot be longer than 180 consecutive days.
Non-Manual Work Trips Only
Policy applies only to conventional non-working holidays or business trips where no manual work is involved
SourceSection: General Conditions
This policy applies only to persons resident in Malta who are taking conventional non-working holidays or business trips.
Recommended Vaccinations
No cover if insured did not receive recommended inoculations for destination
SourcePage 2Section: Are there any restrictions on cover?
We do not cover you if you did not receive the recommended inocculations and/or took the recommended medication for your travel
Known Claim Event Exclusion
No cover applicable if trip booking was made knowing there is a situation that will result in a claim (e.g., declared strikes, cancelled flights, public warnings)
SourcePage 2Section: Are there any restrictions on cover?
No cover is applicable if booking of the trip is carried out knowing that there is a situation that will result in a claim such as declared strikes, cancelled flights and warnings to the public not to travel to certain countries.
24-Hour Loss Reporting Requirement
Loss or robbery of personal money/cards must be reported to authorities and written report obtained within 24 hours of discovery
SourceSection: General Conditions
We will not pay for any loss or robbery which you do not report to the authorities and obtain a written report from them within 24 hours of discovery.
In-Patient Hospital Authorization
In-patient hospital treatment or surgery must be notified and authorized by MAPFRE Middlesea in advance
SourceSection: Steps to claim > Emergency Medical Expenses & Treatment
Hospital reports and hospital invoices and/or receipts (In-patients hospital treatment or surgery is to be notified and authorized by Mapfre Middlesea plc)
24/7 Worldwide Travel Assistance
Policy includes access to 24/7 call center in Malta for emergency medical assistance and travel support
SourceSection: General Conditions
This insurance protects you while you are travelling. In case of emergency, policyholders may reach our Call Centre on (+356) 2248 0209.
Three Coverage Tier Options
Insured must select one of three progressive coverage plans: Low Cost, Economy, or Club; each offers different coverage limits
SourceSection: General Conditions
With this insurance you can choose between 3 progressive levels of coverage with increasing compensations: Low Cost, Economy and Club.
Sources
- mapfre.com.mthttps://www.mapfre.com.mt/individuals/travel-insurance/(opens in a new tab)
- mapfre.com.mthttps://www.mapfre.com.mt/individuals/travel-insurance/covid-extension-faqs/(opens in a new tab)
- mapfre.com.mthttps://www.mapfre.com.mt/media/IPID-Annual-travel-2022-APR-.pdf#page=1(opens in a new tab)
- mapfre.com.mthttps://www.mapfre.com.mt/media/IPID-Annual-travel-2022-APR-.pdf#page=2(opens in a new tab)
- mapfre.com.mthttps://www.mapfre.com.mt/media/IPID-Travel-2022-April-.pdf#page=1(opens in a new tab)
- mapfre.com.mthttps://www.mapfre.com.mt/media/IPID-Travel-2022-April-.pdf#page=2(opens in a new tab)
- mapfre.com.mthttps://www.mapfre.com.mt/media/Travel-Policy-Document-TRVP-V1.0-010522.pdf#page=6(opens in a new tab)
- mapfre.com.mthttps://www.mapfre.com.mt/media/Travel-Policy-Document-TRVP-V1.0-010522.pdf#page=9(opens in a new tab)
- mapfre.com.mthttps://www.mapfre.com.mt/travel-claims/(opens in a new tab)
MAPFRE Middlesea Travel insurance