Best Travel Insurance for Malta in 2025
- The best travel insurances for Malta
- Current Travel Safety in Malta
- Is travel insurance required for the visa to Malta?
- Why take out travel insurance for Malta?
- What Does Travel Insurance for Malta Cover?
- The cost of travel insurance for Malta
- How to pay less for your travel insurance to Malta
- Can I rely on my current insurance to cover me in Malta?
- FAQ
Travel insurance for Malta: key takeaways
1. Definition: Travel insurance for Malta covers medical emergencies, trip cancellation, and other unforeseen travel disruptions.
2. Key protection: Insurance is not required for US citizens, but it covers high overseas medical costs.
3. Healthcare cost: A private hospital stay in Malta can cost foreign visitors over $500 per night.
4. Price: A one-week travel insurance policy for Malta typically costs between $30 and $60.
5. Good to know: Your US health insurance, including Medicare, likely offers no coverage in Malta.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Malta.
The best travel insurances for Malta
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Recommended for travel to Malta. - high coverage for medical emergencies - evacuation and repatriation included - modern policy wording |
| Cap Assistance 24/24 | $1.1M | Ideal for short trips to Malta. - 24/7 helpline - no deductible on medical claims - cancellation benefit |
| Tourist Card | $545k | Good protection for tourists in Malta. - strong medical cover - emergency assistance - balanced pricing |
| Travel Pass Monde | $765k | Balanced for diverse travel needs in Malta. - hospital costs reimbursed - repatriation covered - broad overseas scope |
| Globe Partner | $330k | Dependable for stays in Malta requiring solid guarantees. - medical care included - emergency repatriation - civil liability protection |
| Globe Traveller | $545k | Affordable plan for short, low-risk visits to Malta. - essentials for medical emergencies - straightforward reimbursement - basic ceiling |
- high coverage for medical emergencies
- evacuation and repatriation included
- modern policy wording
- 24/7 helpline
- no deductible on medical claims
- cancellation benefit
- strong medical cover
- emergency assistance
- balanced pricing
- hospital costs reimbursed
- repatriation covered
- broad overseas scope
- medical care included
- emergency repatriation
- civil liability protection
- essentials for medical emergencies
- straightforward reimbursement
- basic ceiling
Current Travel Safety in Malta
As of June 2025, the US Department of State considers Malta a safe destination and recommends travelers exercise normal precautions. No significant security threats or political instability currently affect travel to Malta.
Here are their four main recommendations.
- Security risks: petty theft and pickpocketing can occur in tourist hotspots, especially around Valletta, Sliema, and crowded nightclubs in Paceville. Visitors should stay alert, especially late at night.
- Health risks: there are no vaccine requirements for entry, and public and private medical care are generally of a high standard. However, non-residents must pay for all services, and US Medicare does not provide coverage abroad.
- Legal constraints: serious legal consequences may arise from drug possession, even in small quantities. Travelers should also note strict regulations on prescription medications that require proper documentation.
- Cultural norms: public drunkenness or disorderly conduct will likely draw police attention, particularly near nightlife areas. Modest attire is advised when visiting churches and religious sites such as St. John’s Co-Cathedral in Valletta.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Malta.
Is travel insurance required for the visa to Malta?
No, travel insurance is not mandatory for US travelers to obtain a visa for Malta.
However, travel insurance is highly recommended because medical care for tourists must be paid out-of-pocket and US Medicare is not valid in Malta. Coverage ensures protection against unexpected medical, travel, and liability costs.
According to our data, 50% of travelers purchase travel insurance before going to Malta. This is mainly due to Malta being a very safe country in Europe, but healthcare abroad can be expensive.
Why take out travel insurance for Malta?
It is an essential financial and medical protection for anyone going to Malta.
In Malta, foreigners often need to use private hospitals like Saint James Hospital in Sliema, where treatment can be costly. While public hospitals such as Mater Dei Hospital in Msida are accessible, non-residents can face substantial bills, and longer wait times for routine care are common.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in case of a serious incident.
Here are some examples of healthcare costs in Malta.
| Example of medical treatment | Cost at Saint James Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | €1,250 (about $1,350) | Up to full reimbursement |
| I broke my tibia (X-ray, cast, and crutch rental) | €750 (about $800) | Up to full reimbursement |
| I need to be repatriated | €20,000 (about $21,600) | Up to full reimbursement |
| I have appendicitis (consultation and surgery) | €3,000 (about $3,250) | Up to full reimbursement |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What Does Travel Insurance for Malta Cover?
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers hospital, doctor, and medication costs abroad. We recommend a limit of at least $100,000 per trip for Malta. |
| 🚑 Emergency medical evacuation | Pays for ambulance transport or air-lift to the US in serious situations. Choose at least $250,000 to cover possible long-distance evacuations. |
| 💼 Baggage and personal effects | Compensates for lost, stolen, or damaged belongings. Ensure at least $2,000 coverage for high-value items and electronics. |
| ⏱️ Trip cancellation/interruption | Refunds your costs if you must cancel or cut your trip short due to specific reasons, such as illness or emergency. A minimum of $5,000 per traveler is recommended. |
| 💊 Repatriation of remains | Covers the return of remains to the US if needed. Look for policies with at least $50,000 coverage for full security. |
| 🚕 24/7 assistance services | Access to multilingual emergency support and help with local logistics. This service should be unlimited in coverage and available worldwide. |
| 👨⚕️ Traveler liability | Provides financial protection if you unintentionally cause injury or material damage to others. A minimum of $250,000 coverage is advised due to potential legal costs abroad. |
| ⚖️ Legal assistance abroad | Covers legal costs in case of a dispute while traveling. We recommend at least $10,000 in legal coverage for peace of mind in Malta. |
We recommend a limit of at least $100,000 per trip for Malta.
Choose at least $250,000 to cover possible long-distance evacuations.
Ensure at least $2,000 coverage for high-value items and electronics.
A minimum of $5,000 per traveler is recommended.
Look for policies with at least $50,000 coverage for full security.
This service should be unlimited in coverage and available worldwide.
A minimum of $250,000 coverage is advised due to potential legal costs abroad.
We recommend at least $10,000 in legal coverage for peace of mind in Malta.
Travel insurance from local providers or bank cards usually offers limited coverage, low reimbursement limits, and many exclusions. It is much safer to opt for a trusted insurer with full coverage. Compare top options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Malta
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $24 |
| 2 weeks | 45 years old | $38 |
| 1 month | 35 years old | $54 |
| 1 month | 70 years old | $105 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of your travel insurance is influenced by several key factors. These include the traveler's age, the length of your trip, your destination, the level of coverage you select, and add-ons like cancellation options. Keeping these elements in mind is essential to find a plan that fits both your needs and your budget.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Malta
Here are some suggestions to optimize the cost of your travel insurance to Malta while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🧑 Traveler's age | Age largely influences premiums and can increase the cost for older travelers. | Opt for insurers like Heymondo, who do not increase prices for people over 62, which can save older travelers money. |
| 🗓️ Trip duration | The longer your stay in Malta, the higher the insurance cost. | Match your policy duration closely to your travel dates and avoid excess days you do not actually need coverage for. |
| 👥 Number of travelers | Insuring a group or family changes the total premium. | Look for group or family policies, which are often less expensive per traveler than multiple single policies. |
| 💳 Deductible amount | Choosing a higher deductible lowers your premium but means higher out-of-pocket expenses. | Compare policies with varying deductibles to find a cost-effective balance between premium and possible claim amounts. |
| 🚫 Pre-existing conditions | Coverage for chronic health issues can raise premiums. | Disclose only necessary conditions and review each insurer's policy about pre-existing condition waivers in Malta. |
| 🏥 Level of coverage | Basic health coverage can be enough in Malta due to good facilities and lower risks. | Select standard medical coverage, as private hospital costs in Malta are relatively modest compared to other countries. |
| 🎒 Type of activities | Adding coverage for risky pursuits increases cost. | If you are not engaging in adventure sports, avoid extra coverage for such activities to lower your insurance premium. |
Important
Always review local healthcare standards and avoid unnecessary add-ons. Basic health and baggage protection are generally sufficient for a trip to Malta for most travelers from the US.
Can I rely on my current insurance to cover me in Malta?
It is completely reasonable to wonder if your existing coverage, such as public or private health insurance or credit card benefits, can protect you while traveling in Malta. Unfortunately, this coverage is often limited or does not fully meet international needs. Here is a summary table to help you review your current insurance and what it covers.
| Type of Insurance | Valid in Malta? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | Only covers health care in the US, no reimbursement for care received abroad | Travel insurance provides $100,000+ for medical care and repatriation |
| Private health insurance | Yes, partly | Emergency care abroad may be covered, often with reimbursement caps below $10,000, excludes evacuation | Travel insurance includes $100,000+ in medical + emergency evacuation |
| Classic credit card (Visa Classic, Mastercard Standard) | Yes, partly | Limited medical ($2,500–$5,000 max), little or no trip cancellation, lost baggage | Travel insurance covers $100,000+ medical + baggage + trip cancellation |
| Premium credit card (Chase Sapphire Preferred, Amex Gold, Visa Signature) | Yes, partly | Medical fees up to $50,000, limited baggage delay, usually excludes pre-existing condition coverage | Travel insurance covers $100,000+, pre-existing conditions and 24/7 assistance |
Example
While scuba diving off Gozo, Malta, Sarah suffered decompression sickness. The necessary hyperbaric treatment and emergency transport cost $30,000. Her Chase Sapphire Reserve card only covered $2,500, as her US health plan denied the claim for being out-of-network abroad, leaving her with a staggering $27,500 bill.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative’s illness or death, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to subscribe a dedicated travel insurance tailored to the trip.
FAQ
Do I need a visa to travel to Malta?
US citizens do not need a visa for Malta if your stay is less than 90 days for tourism purposes. You must have a valid passport with at least three months beyond your departure from the Schengen area, proof of sufficient funds, and a return ticket.
How do I purchase travel insurance for Malta?
First, compare available policies using a tool like the HelloSafe travel insurance comparison tool. Next, carefully check coverage details and exclusions relevant to Malta. Purchase the policy online and, once completed, your insurance certificate will be emailed to you.
What should I check in a travel insurance policy before traveling to Malta?
Check if the policy covers medical expenses, emergency evacuation, repatriation, and personal belongings. Make sure your activities in Malta are not excluded and the coverage limits, such as at least $100,000 for medical care, meet your needs.
Does my US health insurance cover me in Malta?
Most US health insurance policies, including Medicare, do not cover medical expenses incurred abroad. You will usually need to pay for medical care in Malta out-of-pocket unless you have specific international coverage or travel insurance.
Is emergency medical evacuation covered in standard travel insurance for Malta?
Many standard travel insurance policies cover emergency medical evacuation, but coverage limits and conditions vary. Always confirm your plan includes at least $100,000 in evacuation coverage and check the exclusions for pre-existing conditions or high-risk activities.
Can I get travel insurance for Malta if I am already abroad?
Yes, some insurers allow you to purchase travel insurance after you have left the US, but options may be limited. Coverage may begin after a waiting period, such as 48-72 hours, and pre-existing incidents will usually not be covered.
Do I need a visa to travel to Malta?
US citizens do not need a visa for Malta if your stay is less than 90 days for tourism purposes. You must have a valid passport with at least three months beyond your departure from the Schengen area, proof of sufficient funds, and a return ticket.
How do I purchase travel insurance for Malta?
First, compare available policies using a tool like the HelloSafe travel insurance comparison tool. Next, carefully check coverage details and exclusions relevant to Malta. Purchase the policy online and, once completed, your insurance certificate will be emailed to you.
What should I check in a travel insurance policy before traveling to Malta?
Check if the policy covers medical expenses, emergency evacuation, repatriation, and personal belongings. Make sure your activities in Malta are not excluded and the coverage limits, such as at least $100,000 for medical care, meet your needs.
Does my US health insurance cover me in Malta?
Most US health insurance policies, including Medicare, do not cover medical expenses incurred abroad. You will usually need to pay for medical care in Malta out-of-pocket unless you have specific international coverage or travel insurance.
Is emergency medical evacuation covered in standard travel insurance for Malta?
Many standard travel insurance policies cover emergency medical evacuation, but coverage limits and conditions vary. Always confirm your plan includes at least $100,000 in evacuation coverage and check the exclusions for pre-existing conditions or high-risk activities.
Can I get travel insurance for Malta if I am already abroad?
Yes, some insurers allow you to purchase travel insurance after you have left the US, but options may be limited. Coverage may begin after a waiting period, such as 48-72 hours, and pre-existing incidents will usually not be covered.
