Travel insurance for Malta
Key takeaways
Travel insurance for Malta is not legally required but recommended so you are protected if something goes wrong during your trip
European travel insurance policies usually include Malta, but you should always check
You will probably need to buy insurance add-ons to be covered for adventurous activities like hiking and skiing
Do I need travel insurance for Malta?
Travel insurance is not a legal requirement. But without it you will be personally responsible for paying all the costs if something goes wrong with your trip. Travel insurance can financially protect you if your holiday to Malta is unexpectedly cancelled, you have a medical emergency while travelling, or your belongings are lost or stolen.
If a travel insurance policy covers Europe, does this include Malta?
Malta is a European country so generally a travel insurance policy that covers Europe will cover Malta, although you should always double check what your specific insurance covers.
Malta is a member of the European Union (EU), the European Economic Area (EEA) and the Schengen Area.
What type of travel insurance do I need for Malta?
Standard travel insurance is often suitable for your trip to Malta. It will usually cover:
Illness and accidents
Trip and activity cancellations
Lost luggage
Theft
Personal liability
You may need to buy specialised travel insurance or add-ons if you want to cover:
Adventurous activities (scuba diving, hiking etc.)
Winter sports (skiing, snowboarding etc.)
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What travel insurance add-ons should I consider for Malta?
Adventure sports and activities cover
Standard travel insurance often doesn’t cover higher-risk activities like hiking, diving, or skiing.
Additional medical insurance for remote areas
If you’re planning to spend time in areas far from medical facilities consider choosing a policy that offers a high amount of medical cover and includes things such as evacuations.
Travel disruption cover
Visitors to Malta have had their trips disrupted by volcanic activity, storms and flooding in the past. Standard travel insurance policies often do not cover such ‘force majeures’ or ‘acts of god’.
Car rental insurance and roadside assistance
Renting a car is a great way to explore the country but also means driving an unfamiliar vehicle on unfamiliar roads.
Do I need a visa to travel to Malta from the UK?
Visa requirements for a country can change. For the most up-to-date information, check the UK government’s foreign travel advice for Malta.
If you are a UK passport holder you do not need a visa to enter Malta if:
Your visit will not mean you have spent more than 90 days in the Schengen area within a 180-day period
the purpose of your visit is a holiday or to visit friends and family
the purpose of your visit is for certain types of work or study purposes, such as to attend a business meeting
Rules for visiting Europe have changed for British passport holders post-Brexit. If you overstay your 90-day visa-free limit you can be banned from entering any Schengen country for three years.
The countries that make up the Schengen area are: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Malta, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.
If you think you might need a visa for Malta, you should contact their embassy.
All UK travellers to Malta must have a passport that is valid for at least three months beyond your intended departure date from Malta.
Are European Health Insurance Cards (EHIC) still valid for travel to Malta?
Yes, if European Health Insurance Cards (EHIC) has not expired you can still use it to get necessary state healthcare in Malta and in other European Economic Area (EEA) countries.
However, EHICs are now being replaced with UK Global Health Insurance Cards (GHIC). UK residents can get a GHIC for free from the NHS website. The cards are valid for up to 5 years.
The UK government and the NHS advise that Britons with EHICs and GHICs still take out comprehensive travel insurance when they visit Europe, as the health insurance cards do not cover all medical situations and costs.
