Yes, the policy covers loss of jewellery, watches, audio, photographic and video equipment and money. However please remember that:

• Valuables kept in a suitcase when travelling by air are not covered, so they should be carried as hand-luggage.
• There is a limit in the amount per item and a maximum amount for valuables. These vary according to the type of cover chosen.

Yes, the policy provides limited cover for cash. Remember to retain any receipts for the purchase of foreign currency since these will be necessary to make a claim. We recommend that only a minimal amount of cash is carried, it is safer to use travellers cheques or credit cards.

The travel policy is designed to offer protection against unexpected injuries and illnesses that occur when you are abroad. This means that it cannot cover any pre-existing medical conditions, such as diabetes, hypertension, asthma or other chronic illnesses. Insured Persons are asked to sign a "health warranty" where they are requested to reveal any such chronic or serious illnesses or disabilities. If you fail to reveal such a condition any medical claims related to this condition will not be covered. If you travelling with the intention of receiving medical treatment it is best to reveal this fact to your insurer when purchasing the policy so that you can be fully aware of the protection that you will have.

Yes, most sporting activities that arise during a typical holiday are covered. There are some however that are excluded, these are; winter sports (e.g. skiing), mountaineering, rock-climbing, subacqua diving, pot-holing, bungee-jumping, jet-skiing and organised team football. If you are travelling with a group in order to participate in an organised activity, such as a training camp or a tournament, travel insurance is best organised by means of a group policy so that the specific events may be covered.

Cover starts as from the time you purchase the policy. This means that if you have to cancel or postpone the trip you will be covered for any non-refundable deposits made. The reason for which you postpone or cancel the trip must be one that is covered by the policy. Please see the Cancellation & Curtailment Section of the Policy, where you can find these reasons.

The European Health Insurance Card (EHI) replaced the previous E111 form. This card acts as a document of proof that you are entitled to free or reduced cost emergency medical treatment within the European Economic Area (EEA). This area covers member states of the EU. By carrying this form in the case of a medical emergency, you are entitled to the same treatment as natural citizens.

As a resident within a country of the European Economic Area (EEA) you are entitled to this card. Applications to obtain this card are to be made with the local health authorities.  You can apply online on www.sahha.gov.mt

The European Health Insurance Card (EHI) is NOT a substitute for travel insurance and should not be considered as a cheap alternative. A European Health Insurance Card will only cover you in an emergency medical situation (and will exclude cover for other circumstances such as loss of baggage, personal belongings and money, cancellation or curtailment of trip, costs for missed or delayed departure) and is only valid in EEA countries.

Furthermore do not assume that the government provided health care when travelling is the same as in Malta. It may not be as extensive or meet the exact levels you are used to within Malta. To provide the best level of cover always take out your own travel insurance policy as well.

The policy provides cover, at an additional premium, for payment of reasonable additional travel and accommodation expenses necessarily incurred due to the forced extension of your journey and refund of your non-recoverable deposits and other pre-paid travel and accommodation charges if the service provided by the ship or aircraft in which you are booked to travel is cancelled due to adverse weather conditions and other natural disasters.

You may opt to waive the policy excess against payment of an additional premium. If this option is chosen, any claims will be paid without the deduction of the standard policy excess.

You have the option to increase the standard policy limit to €80,000 and €105,000 under the ‘Standard’ and ‘Executive’ cover respectively against payment of an additional premium.

The Travel Policy includes an extended Jurisdiction Clause that will provide cover for judgments, orders or awards that are delivered by or obtained from a court within the territory where the incident occurred subject to the Territorial Limits shown in the policy schedule.