FAQs

1A Cancellation and Abandonment

Will the policy cover us if we need to cancel the holiday due to an unexpected serious illness, sickness or injury?

Yes, the policy will cover you to cancel the holiday subject that the illness, sickness or injury was not known or suspected of before you bought the insurance policy.

1B Trip Cancellation

What is the risk that this section covers?

This section covers the reasonable costs incurred due to the unavoidable lengthening of your trip due to extreme weather conditions or natural catastrophes.

2A Medical Expenses

Which types of medical expenses are covered whilst abroad?

Only medical expenses related to an emergency. The policy excludes all pre-existing conditions which were known of or suspected before you bought the insurance policy. You need to bring all the relevant evidence with you such as but not limited to medical receipts and medical reports and always carry the policy schedule with you, in serious cases one needs to do contact our worldwide emergency line immediately as detailed on the policy schedule.

2Ba Hospital Benefit

What am I entitled for under this section?

You will receive a benefit equivalent to €25.00 for every full and complete 24 hours you are recovered in-patient in a hospital whilst on holiday abroad.

2Bb Treatment in Malta

What am I entitled for under this section?

This section covers the additional treatment required in Malta when you return back from your holiday abroad due to an illness or sickness that started whilst you were on holiday.

3A Delayed Departure

What am I entitled for under this section?

You will receive a benefit equivalent to €50.00 for every full and complete 12 hours period in the event of your flight being delayed in leaving Malta or on the final part of your return journey back to Malta.

3B Missed Departure

Will I be entitled for compensation if I miss the departure back to Malta for any reason?

No, the policy details the exact occurrences such as for example you arrive late at the airport due to bad weather, the vehicle in which you are travelling is involved in an accident or even breaks down.

3C Hijack

You will receive a benefit equivalent to €50 for every full and complete 24 hours you are restrained in the event of hijack of the mode of transport on which you are travelling.

4A Personal Money

In which circumstance will I be covered if my personal money is stolen?

The policy covers theft of personal money only whilst attended and/or carried on you such as pick pocketing and snatch and grab. On the other hand, your personal money is also covered up to the limit shown in your schedule if stolen from a locked safe and following a forcible entry to it. You need to immediately report the theft to the police within 24 hours of discovery and bring the police report with you together with as much evidence as possible including any bank transaction receipts.

4B Baggage

If I accidentally lose any of my personal belongings or if they are stolen from me, what must I do?

You must do immediately a police report within 24 hours of discovery and retain all the evidence as possible. You must bring the police report with you in order to do the claim. The policy will cover theft of personal items only whilst attended and/or carried on you, it is important not to leave any fragile or valuable items inside the luggage and if the luggage is accidentally damaged during transit make sure you bring with you the airline report done at the airport detailing this damage.

4C - Delayed Luggage

Is there a time limit of how many hours need to pass from the original flight arrival time on our outward journey in order for me to be entitled any compensation from the insurance policy?

Yes, your luggage must be delayed for at least 12 hours on your outward journey, always keep the receipts of the essential items you both which were inside the delayed luggage and retain the report from the airline or carrier as evidence of the time taken for it to be delivered to you.

4D - Travel Documents

If my passport is stolen from me, what must I do?

You need to report immediately to the police and bring the report with you and retain all the receipts and evidence of any travel, accommodation and communication expenses you incurred in order to obtain a temporary one.

4E - Rental Vehicle Policy Excess

If whilst on holiday abroad the hired car which you are driving is involved in an accident bring the receipt of the motor insurance excess you were requested to pay and any evidence of the accident including the insurance company details and bring copies of the paperwork such as claim form, police report and the like.

5 Your Liability to Others

The policy will cover the costs of legal liability for damages arising from an accident during your trip if anyone is accidentally injured, falls ill or dies or property is accidentally damaged

6 Personal Accident

What is the difference between this section and the Medical Expenses section?

Medical expenses section is related with the reimbursement of the emergency medical expenses due to an illness or injury whilst on holiday abroad, on the other hand this section will pay out the sum covered as detailed on the schedule in case the insured dies or becomes permanently and totally disabled following an accident whilst aboard.

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