Valletta Travel Insurance
Everything you need to know before your trip
Healthcare Cost Level
Free Reciprocal
Avg. ER Visit
Free (EHIC)
Recommended Coverage
$100,000
Evacuation Risk
Low
Healthcare in Valletta
What to expect if you need medical care
Valletta offers good quality healthcare with excellent English availability, making communication with medical professionals straightforward. If you're from an EU/EEA country or the UK, you can access emergency treatment through reciprocal healthcare agreements using your EHIC card. However, this coverage has significant limitations—it won't cover repatriation back home, private medical care, or treatment for pre-existing conditions. For non-EU citizens, you'll pay out of pocket, with ER visits averaging $150 and hospital stays around $400 per day. While these costs are relatively moderate, they're just the baseline. As a small island nation, Malta lacks certain specialized medical facilities, meaning serious conditions or complex procedures may require medical evacuation to Italy or the UK, which can cost tens of thousands of dollars.
Reciprocal Healthcare Available
Citizens of AT, BE, BG, HR, CY, CZ, DK, EE, FI, FR, DE, GR, HU, IE, IT, LV, LT, LU, NL, PL, PT, RO, SK, SI, ES, SE, IS, LI, NO, CH, GB may have partial coverage through reciprocal agreements.
EHIC covers emergency treatment only, not repatriation, private care, or pre-existing conditions
What Your Policy Should Cover
Country-specific considerations for Valletta
Your policy should address Valletta's specific risks and activities. Summer visitors face moderate risk of heat exhaustion, sunburn, and heat stroke, so ensure your coverage includes heat-related illnesses. If you're planning water activities, confirm your policy covers marine injuries, jet skiing, and parasailing—these are popular activities with year-round risk. Scuba diving is particularly important: Malta is a world-class diving destination, so verify your policy explicitly includes decompression chamber treatment, which can be extremely costly. Rock climbing enthusiasts should check that coverage extends to cliff and coastal climbing activities along Malta's dramatic coastline. Given the evacuation risk due to limited specialized facilities, medical evacuation and repatriation coverage is essential, not optional.
Heat Exhaustion
Moderate Risk
Peak: summer
Marine Injuries
Moderate Risk
Peak: year-round
Sunburn And Heat Stroke
Moderate Risk
Peak: summer
Activity-Specific Coverage
Scuba Diving: Ensure coverage includes decompression chamber treatment
Rock Climbing: Verify coverage for cliff and coastal climbing activities
Water Sports: Confirm coverage for jet skiing and parasailing
How Much Coverage Do You Need?
Our recommendation based on Valletta's healthcare costs
The recommended $100,000 coverage reflects Malta's evacuation reality more than daily healthcare costs. While routine medical care is affordable—$150 for ER visits and $400 per hospital day—Malta's limited specialized facilities mean complex medical situations require evacuation to Italy or the UK. Medical evacuation by air ambulance can easily cost $25,000-$50,000 or more. Combined with potential treatment costs abroad, extended hospitalization, and repatriation, the $100,000 recommended coverage provides adequate protection. The $30,000 minimum covers basic scenarios but leaves you vulnerable if evacuation becomes necessary.
Minimum
$30,000
Basic emergencies only
Recommended
$100,000
Full protection
Making a Claim in Valletta
Tips for smooth claims processing
Documentation Required: Medical reports, receipts, proof of travel, incident reports for activities
- Keep all medical reports and itemized receipts from any healthcare providers—Malta's healthcare system provides clear documentation in English, making claims straightforward
- For water sports or diving incidents, obtain an incident report from the activity operator or dive center immediately, as this documentation is required for claims
- If you're using EHIC for emergency treatment, save all documentation anyway since you may still need insurance to cover gaps like repatriation or follow-up private care
- Take photos of any injuries sustained during activities like rock climbing or water sports, along with documentation of weather conditions if relevant to your claim
- Keep proof of travel documents (boarding passes, accommodation receipts) as these are required alongside medical documentation for processing claims
Get Covered for Valletta
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