Annual Travel Insurance
Frequent Questions

Damages & Claims

What do I do if I have a medical emergency during one of my trips?

Atlas has a 24 hour worldwide international medical rescue with International Medical Group. In the event of an illness or injury which requires you to go into hospital as an in-patient, please phone on +44 292 066 2438 or message on WhatsApp +44 2920 662 432. You must always inform them that you are insured with Atlas Insurance PCC Limited in Malta and quote your travel policy number. You must also notify our office in Malta of such claims on + 3569 2343 5363 or by email on [email protected].

What should I do if I am not satisfied with the service I am given?

With the best will in the world, concerns about some aspects of our service can occasionally arise. In such circumstances our staff have wide authority to settle problems and will do everything they an to help. This should be your first point of contact. For further information please fer to our complaints procedure.

Insurance Cover

When does my insurance cover start?

Your cover starts once the policy is issued. This normally follows application, acceptance of application and payment of premium. Once cover starts you will be protected for any trips booked on or after the start date until expiry of the policy period shown on the Schedule provided with the policy.

How many trips will my annual travel policy cover?

There are 2 trip options available: either 30-day trips of 183-day trips. Different prices will apply for these 2 options. The number of trips is not limited but obviously will apply within a 12-month period. Policies issued prior to the 1st August 2026, have a 15-day trip limit which will automatically be increased to 30 days upon renewal from the 1st August 2026.

Are one-way trips covered?

No the policy will only cover round trips starting and terminating in Malta.

Am I covered for business trips?

The policy covers trips in connection with a profession, business or trade but will exclude any trips involving manual labour.

Will my valuables and electronics be covered if these are stolen or lost?

Yes, they will be covered as part of your baggage; however, such items must not be left unattended at any time. When not held by you, valuables (such as jewellery and watches) must always be deposited in a locked safe or safety deposit box. Electronics such as mobiles, tablets and laptops can also be kept in your locked accommodation or a ‘left luggage facility’ when not held by you. Please note that we define unattended as not having the items in your full view and when you are not in a position to prevent such items from being stolen. Here are a few examples of when such items would not be covered by your policy:

When:

• • Forgotten and left behind on board a plane; or
• • Left on the beach while you go swimming; or
• • Left on a bus, train or taxi, including Uber taxis; or
• • Left behind in a restaurant.

Are there any limits applicable to valuables and electronics?

Yes, items such as jewellery, watches, mobiles, tablets and mobile phones have a limit per item, as well as an overall applicable limit:

• • Budget cover option – €300 per item and an overall limit of €500;
• • Standard cover option – €750 per item and an overall limit of €1,250;
• • Premier cover option – €1,000 per item and an overall limit of €1,500*.

Please note that such items must never be left unattended.

(*) Premier Policies issued prior to 1 August 2026 have a single article limit of €750 and an overall limit of €1,250. Upon renewal from 1 August 2026, the above higher limits will automatically apply.

Am I covered for skiing or similar sports?

You are not automatically covered for winter sports under the Annual Travel Policy, however, there is the option to include a winter sports extension referred to as the ‘Slalom Extension’ at an additional charge. This extension will cover you for winter sports trips up to an annual limit of 15 days. For example, you will be able to take two 7-day skiing trips during the year or three 5-day skiing trips. Please note that not all forms of winter sports are covered, though. See our Summary of Cover for more details.

What about expeditions and extreme sports?

All trips taken out during the period of cover will not cover you for boxing, bungee jumping, canoeing at grade 4 or above, caving or cave diving, canyoning, rock climbing or mountaineering requiring the use of guides or ropes, extreme sports of any kind, expeditions, quad-biking, gliding, gymnastics, hang gliding, high diving, horse riding in competitions, hot air ballooning (unless as part of an organised trip with a qualified pilot), hunting, jet skiing, karate, kayaking, martial arts, microlighting, parachuting, paragliding, parapenting, polo, pot holing, rafting, rugby, shark diving, sky diving, sky surfing, trekking in excess of 2,500 metres altitude, tubing, underwater activities requiring the use of artificial breathing apparatus (except scuba diving of less than 15 metres depth if suitably qualified or if supervised by a professional instructor) or wrestling. Please contact us if in doubt.

Can I get a refund on the annual travel policy?

We will refund your premium if you find that the policy does not meet your requirements. In this case you will have to return all the documentation we sent you within 14 days from the date of issue. Your premium will be refunded in full provided there has been no claim. Document duty will, however, not be refunded.