Travelpak offers cover for:

1. Cancellation or Abandonment Charges
2. Emergency Medical and Other Expenses
3. Hospital Benefit
4. Personal Accident
5. Baggage and Passport
6. Personal Money
7. Personal Liability
8. Delayed Departure
9. Missed Departure
10. Hire Vehicle "Excess"

Section A: Cancellation or Abandonment Charges

Cover for unavoidable or necessary cancellation or abandonment of the trip before completion due to:

• Death, bodily injury or illness
• Compulsory quarantine or jury service
• Redundancy
• Withdrawal of leave for members of the armed forces or emergency services
• The Police requesting you to return to or remain at your home or place of business following a theft
• Your home being rendered uninhabitable due to serious damage caused by fire, aircraft, explosion, storm, flood, burst pipes, malicious persons or theft

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Section B: Emergency Medical and Other Expenses

1. Emergency medical, surgical, hospital, ambulance, nursing fees, dental treatment for pain relief incurred outside Malta
2. Additional transport and accommodation expenses if it is medically necessary to stay beyond scheduled return date
3. Additional costs of repatriation if medically necessary
4. In case of death, reasonable cost of funeral expenses abroad plus the reasonable cost of conveying the ashes or body home

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Section C: Hospital Benefit

Up to €25 for every full 24 hours in-patient hospital stay abroad, up to a maximum of €700

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Section D: Personal Accident

Accidental bodily injury causing death or disablement (please refer to policy wording for full details of the cover available).

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Section E: Baggage and Passport

• Accidental loss, theft or damage to baggage up to the sums insured/limits applicable to the Cover level chosen
• Emergency replacement of clothing, medication and toiletries if your baggage is lost and not returned for more than 12 hours on the outward journey
• Reasonable additional costs for travel and accommodation incurred to obtain a replacement passport abroad

Please keep any receipts of any purchases or expenses incurred.

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Section F: Personal Money

Accidental loss, theft or damage of personal money including foreign currency up to 72 hours prior to departure (including limited cover for misuse of stolen or lost credit cards).

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Section G: Personal Liability

Any compensation you become legally liable to pay in respect of death, bodily injury to others and damage to others’ property up to €1,250,000.

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Section H: Delayed Departure

Cover is provided in this section for any irrecoverable travel and other prepaid charges if you choose to cancel your trip once 24 hours have elapsed.

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Section I: Missed Departure

We will pay for

Additional room only accommodation and travel expenses if you fail to arrive at the final international departure point to board the public transport on which you are booked to travel back to Malta as a result of

• The failure of the public transport
• Delayed connecting flights
• An accident or breakdown of the vehicle you are travelling in
• Strike and adverse weather conditions

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Section J: Hire Vehicle "Excess"

We will pay for the lower of the standard rental vehicle excess or the cost of repairing the vehicle if you rent a vehicle and it is involved in an accident or is stolen during the trip.

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Summary of Limits & Benefits

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Section	Budget Cover Option	Standard Cover Option	Premier Cover Option
A - Cancellation or Abandonment charges	€700	€4,000	€5,000
B - Emergency Medical & Other Expenses	€35,000	€175,000	€600,000
C- Hospital Benefit	€25 for every complete 24 hours - maximum €700
D - Personal Accident	See Benefits Specification which follows this table
E - Baggage and Passport	Baggage - €700 Single Article (incl. valuables) Sub-Limit - €250	Baggage - €2,000 Single Article (incl. valuables) Sub-Limit - €350	Baggage - €2,500 Single Article (incl. valuables) Sub-Limit - €350
	Aggregate Valuables Sub-Limit - €475	Aggregate Valuables Sub-Limit - €700	Aggregate Valuables Sub-Limit - €700
	Delayed Baggage Limit - €125	Delayed Baggage Limit - €175	Delayed Baggage Limit - €750
	Passport Loss Expenses - €75	Passport Loss Expenses - €175	Passport Loss Expenses - €250
F - Personal Money	Personal Money -€825 Cash Sub-Limit -€475	Personal Money -€1,200 Cash Sub-Limit -€600	Personal Money -€1,750 Cash Sub-Limit -€950
	Unauthorised Card Use Limit - €125	Unauthorised Card Use Limit - €250	Unauthorised Card Use Limit - €475
G - Personal Liability	€1,250,000
H - Delayed Departure	€50 for the first completed 12 hours delay and €25 for each full 12 hours delay thereafter - maximum €250
I - Missed Departure	Missed Departure Limit - €250	Missed Departure Limit - €475	Missed Departure Limit - €700
J - Hire Vehicle "Excess"	Not Insured	€300	€300

Personal Accident Benefits - Specification

For the purpose of this Policy, any person is deemed to be the age he or she is at inception of cover

Budget
Benefit	0 to 15 years	16 to 75 years
1. Death	€1,250	€6,000
2. Loss of one or more limbs and/or loss of sight in on or both eyes	€6,000	€6,000
3. Permanent total disablement	€6,000	€6,000
Standard
Benefit	0 to 15 years	16 to 75 years
1. Death	€1,250	€15,000
2. Loss of one or more limbs and/or loss of sight in on or both eyes	€15,000	€15,000
3. Permanent total disablement	€15,000	€15,000
Premier
Benefit	0 to 15 years	16 to 75 years
1. Death	€1,250	€40,000
2. Loss of one or more limbs and/or loss of sight in on or both eyes	€40,000	€40,000
3. Permanent total disablement	€40,000	€40,000

Important Note

• It is essential that you refer to the Important Conditions Relating to Health Section in the Policy wording as failure to comply with these conditions may jeopardise your claim or cover.
• If you are traveling to a country within the European Union, you should obtain a European Health Insurance Card from the Maltese Health Authorities

Refer to the Policy wording for full details of conditions.