All you need to know about cover for COVID-19 under the Atlas Travelpak policy _version 01.06.2021

The following Frequently Asked Questions (FAQs) will guide you on how COVID-19 cover applies under the Travelpak policy. Please read the full policy wording and schedule to ensure that you have chosen the cover that meets your needs.

COVID-19 cover applies under the following sections:

– Cancellation or Abandonment,

– Emergency Medical Expenses and Hospital benefit, and

– Missed departure.

Please do note the following conditions for cover to apply:

– You will always need to purchase the policy at least 14 days before your departure date (i.e. not within the 14 days prior to departure)

When purchasing the policy you and the following persons: close relatives, travelling companions (sharing your accommodation) and persons you will be staying with when abroad:

– must not be suffering from symptoms of COVID-19;

– have not received a positive COVID-19 test result in the 14 days before purchasing the policy;

– are not waiting for a COVID-19 test result.

Please also remember that only non-refundable expenses will be paid

COVID-19 Travel Insurance
Frequent Questions

When COVID-19 cover applies

Can I claim my cancellation expenses if I get COVID-19 before I am due to travel?
Yes! You can claim as you will be covered under Section A for Cancellation provided that you test positive in the fourteen days before you travel.
Will I be covered if I am denied boarding because I am told that I am showing symptoms of COVID-19?
Yes! You will be covered under Section A for cancellation or abandonment subject to a positive COVID-19 test in the 24 hours after you have been denied boarding.
Will I be covered if I’m awaiting a test result and this does not arrive in time before I board the plane or boat?
Yes! If you have allowed enough time for the test result to be normally received by you and this is unexpectedly delayed, you will be covered for your missed departure under Section I. You will still need to arrive at the departure point in time to board though.
Can I claim my cancellation expenses if:
- a close relative* of mine; or
- my travelling companion; or
- my host abroad
contracts COVID-19?
Yes! You can claim as you will be covered under Section A for cancellation provided that they test positive in the 14 days before you are due to travel.

*Please note close relatives referred to in the policy can only be the following: mother, father, sister, brother, wife, husband, daughter, son, grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, stepparent, stepchild, stepsister, stepbrother, foster child, aunt, uncle, cousin, nephew, niece, legal guardian, partner living with you or fiancé/fiancée.

Will I be covered if I am forced to quarantine when I am abroad?
Yes! However you will only be covered for your proportionate accommodation costs for abandonment under Section A and for your additional accommodation costs related to any necessary extended stay and additional travel costs of coming home later than planned. Quarantine must be ordered by a Medical Doctor and it must exceed 24 hours. Cover only applies if you are quarantined because you, or an accompanying close relative, or an accompanying person sharing your accommodation, tests positive.
Will I be covered if I am hospitalised due to COVID-19 while I am abroad?
Yes! Your medical expenses will be covered.

Remember always that you might be eligible to emergency medical treatment as an in-patient under the European Health Insurance Card or under the UK reciprocal health agreements.

When COVID-19 cover does not apply

What happens if Malta is put on lockdown and/or a travel ban imposed due to COVID-19 and I cannot travel?
No. Unfortunately you will not be covered if this happens.
What happens if any of the countries I am visiting are put on lockdown due to COVID-19 and I cannot travel back?
No. Unfortunately you will not be covered if this happens. You could be assisted in returning to Malta and you may wish to contact the Maltese embassy in the country you are staying for guidance.
What happens if I no longer wish to travel due to increasing COVID-19 cases in the countries I have planned to visit?
No. Unfortunately you will not be covered if this happens.
What happens if I no longer wish to travel due to imposed quarantine by the Government or relevant Authorities of one of the countries I am visiting, or the Maltese Authorities impose a quarantine on my return to Malta?
No. Unfortunately you will not be covered if this happens.
What happens if I am forced to quarantine due to a COVID-19 case on a bus or plane I am travelling in?
No. Unfortunately no cover will apply here unless you are quarantined because you, or an accompanying close relative, or an accompanying person sharing your accommodation, tests positive. See the FAQ related to What happens if I am forced to quarantine when I am abroad?
Will I have this cover if I travel to the USA, Canada or Asia?
No. Unfortunately you will not be covered for any COVID-19 related claims when outside Europe. This cover is limited to Europe but includes Russia, west of Ural Mountains, countries bordering the Mediterranean, the Azores, the Canary Islands, Madeira and Iceland.

In such circumstances

– We suggest you try to rearrange your trip.

– You could possibly be entitled to a refund of your flights or marine service and accommodation costs but this always depends on the terms of your booking/purchase

Travel Insurance
Frequent Questions

Damages & Claims

What do I do if I have a medical emergency during my trip?
Atlas has a 24 hour worldwide international medical rescue emergency service with Global Response. 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. 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 +356 2343 5381 or by email on
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 can to help. This should be your first point of contact. For further information please refer to our complaints procedure.

Insurance Cover

When does my insurance cover start?
Your cover starts once the policy is issued or 12 months prior to the start of the trip whichever is the later. This normally follows application, acceptance of application and payment of premium. Once cover starts you will be protected against some of the problems that may cause you to cancel a pre-booked holiday.
If I buy a policy online, how do I know that the Policy went through OK?
You will be sent an email to the email address you provided and in it you will be supplied with a Policy Reference Number (which is also quoted at the time your payment goes through during the purchase process) and if you like you can print out the policy schedule & document after payment has been effected, or save them electronically.
I am going abroad on business, am I covered?
The policy covers non-manual work in connection with a profession, business or trade, but any manual work carried out during a business trip is not covered.
Is my laptop covered under my travel insurance?
Laptops are considered as valuables and they are covered up to the article limit of €750 (or €300 with Budget Cover Option) that applies on Travel policies.
Am I covered for skiing or similar sports?
You are not automatically covered for winter sports under our Travelpak Policy, however, there is a ‘Slalom Extension’ option available, which will cover you while skiing and for which you will have to pay an additional premium. Not all forms of winter sports are covered, though. See our Summary of Cover for more details.
Is there a limit to the length of my holiday cover?
Yes, the Travelpak cover limit for a single trip is 6 months duration. See also “When does my insurance cover start?”.
Are one way trips covered?
No. Travelpak only covers round trips starting and terminating in Malta.
Can I get a refund on a policy?
We will refund your premium if you find that the policy doesn't meet your requirements. In this case you have to return the policy booklet and schedule to us within 14 days. Your premium will be refunded in full provided no claim has been made on the policy. Document will, however, not be refunded.
What about expeditions and extreme sports?
The Policy 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.

Hello I am Angele Zammit McKeon, one of Atlas’ Customer Support Operators.
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