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Malta Travel Insurance

Travel insurance for Malta

Dreaming of a Maltese getaway? Here's the lowdown on travel insurance to keep you covered for your trip. Once your insurance is sorted, you can make the most of exploring the ancient streets of Valletta or the crystal-clear waters of the Blue Lagoon.

If you're already packed for Malta, then let's save you some time. Click or tap 'get a quote' and grab your travel insurance. But if you'd like to learn more about Malta, and what travel insurance to buy, then scroll on.

Alvaro Iturmendi - Confused.com travel insurance expert

Reviewed by Alvaro Iturmendi Travel insurance expert 8 min read | Published 11/09/2024

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Important information

Heading to Malta? Add travel insurance to your list of things to think about, if you want to protect yourself from unexpected hiccups. Buying cover before you go will ensure you're not out of pocket if your luggage gets lost or you're suddenly ill.

Remember, most policies won’t cover you for known events, like pandemics, if they were declared before you bought your insurance. Always check your policy details, so you're prepared if something happens.

If the Foreign, Commonwealth and Development Office (FCDO) says “don’t go,” your insurance might not cover you if you decide to head to Malta anyway. Always keep an eye on the latest travel advice.

Good news! There's currently no restrictions for Malta. But always double-check the FCDO travel advice before you jet off.*

*Correct as of September 2024

Do I need travel insurance for Malta?

While it’s not legally required to have travel insurance for your trip to Malta, it’s definitely worth considering. Malta is generally a safe destination, but things like heatstroke, minor accidents, or theft from rental cars can still happen.

Having travel insurance means you’re not hit with unexpected costs if something happens during your holiday.

Choosing the right policy for your holiday to Malta

Single-trip travel insurance

This type of policy can be ideal if you’re planning a one-time visit to Malta. A single-trip policy covers you for the duration of your holiday. Offering peace of mind whether you’re walking around the Valletta, or exploring the trails of southern Gozo.

Annual travel insurance

Are you planning to visit Malta and other destinations multiple times a year? An annual travel insurance policy covers all your trips, saving you the hassle of arranging cover each time you travel.

Family travel insurance

Planning a family holiday to Malta? A family travel insurance policy ensures everyone is covered under one policy.

What our travel insurance expert says

"Malta is an incredible destination, but even on the best holidays, things can take an unexpected turn. Travel insurance helps cover those unforeseen moments, whether it’s lost luggage or a medical issue, so you can focus on enjoying your trip."

Alvaro Iturmendi Travel insurance expert

What does travel insurance for Malta cover?

What's covered:

Cancellation and curtailment

If your trip to Malta is cancelled or cut short, you could be reimbursed for the costs.

Medical expenses and repatriation

If you fall ill or get injured, this covers medical treatment and, if needed, getting you back to the UK.

Lost luggage

If your bags are delayed or lost, this cover helps you replace essential items.

Travel money

If your cash gets stolen during your trip to Malta, having cover in place will help to ensure you're not out of pocket.

Covid-19 cover

Includes medical costs if you catch Covid-19 during your trip. Depending on the policy and provider it may cover for cancellations due to the virus.

What isn't covered?

Travelling against FCDO advice

If you travel to Malta against government advice, your insurance won’t cover you.

Incidents involving alcohol or drugs

Any incidents linked to drinking alcohol or drug use may void your cover.

Natural disasters

Should a natural disaster occur in Malta, you’ll be covered for disruptions to your travel plans.

Non-declared pre-existing medical conditions

Make sure to declare any medical conditions, or you might not be covered if something goes wrong.

High risk activities

Planning to dive into Malta’s Blue Hole or do some water sports? You may need cover for high-risk activities, or at least specialist activity travel insurance.

How much is travel insurance for Malta?

Travel insurance for Malta is generally budget-friendly. Factors like medical conditions, the length of your stay, and the level of cover you choose will all influence how much you pay. The good news? There’s a range of options available to fit every type of traveller, from solo explorers to families.

Here are a few examples of the cost of different travel insurance policies:

Type of policy	Price
Single trip travel insurance	£4.75¹
Annual travel insurance	£11.40²
Backpacker travel insurance	£15.12³

¹Cheapest single-trip policy travelling for 7 days in Malta, 30 year old with no medical conditions - Confused.com data September 2024.

²Cheapest annual policy covering Europe, 30 year old with no medical conditions - Confused.com data September 2024.

³Cheapest family policy for 2 adults aged 30 and 2 children under 10 with no medical conditions. Travelling to Malta for 7 days - Confused.com September 2024.

Medical care in Malta

To access state-level healthcare in Malta, you’ll need an EHIC or GHIC card. However, these cards won’t cover everything, like private healthcare or emergency repatriation. That’s why having travel insurance comes in handy. It ensures you’re fully protected against high costs in times of need.

Travel insurance for activities in Malta

Malta is perfect for outdoor adventures! You can dive into its famous shipwrecks, kayak along the beautiful coast, or swim in the crystal-clear waters of the Blue Lagoon.

Just make sure that the activities you have planned are covered in your standard travel insurance policy. If they're not, consider buying an add-on like activity travel insurance. This is an extra cost but it will ensure you have the cover that you need. If you're up for trying rock climbing in Gozo, you may need specialist rock climbing travel insurance.

Do I need a visa for my trip to Malta?

When it comes to entry requirements, Malta is part of the Schengen zone, so you don’t need a visa if you’re travelling from the UK. You can stay in Malta and other Schengen countries for up to 90 days within any 180-day period.

Malta travel tips

Driving in Malta

Driving in Malta is on the left-hand side, and roads can be narrow and winding. Make sure your travel insurance covers you if you’re renting a car.

Currency

In Malta, the currency is the Euro (€). While cards are widely accepted in most places, it’s a good idea to carry some cash. This is particularly important if you’re visiting smaller villages or exploring markets on Gozo.

Languages

Maltese and English are the official languages. Making communication during your stay easy-peasy.

Time difference

Malta is 1 hour ahead of UK time throughout the year.

Other forms of payment

You can use prepaid travel cards in most hotels, restaurants, and shops. But it’s worth carrying some cash for smaller businesses or any unexpected situations.