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Travel Insurance - COVID Extension FAQs

Travel Insurance

COVID Extension FAQs

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The following Frequently Asked Questions will provide you with a clear understanding of the cover under the COVID-19 extension which is available under the MAPFRE Middlesea Travel insurance products.
 
The full policy and the COVID-19 extension wordings are available on our website https://www.middlesea.com/insurance-mt/individuals/travel-insurance/documents/
It is important that at the time of purchasing your policy, you or your travelling companion or your close relative(s) and persons hosting you abroad, do not have symptoms of COVID-19, have not tested positive or are waiting for a test result for COVID-19.

The COVID-19 extension covers you for non-refundable cancellation expenses and the necessary additional expenses incurred if you have to unavoidably cancel your trip, have to stay beyond the original return date or if you need medical treatment abroad as a result of COVID-19.

 

The COVID-19 extension is available along with a travel insurance product, so when taking out a travel insurance you can opt to purchase the COVID-19 extension at an additional premium which varies according to the travel plan selected. The policy including the COVID-19 extension can be purchased at any time before your departure date.

If you or your travelling companion or your close relative(s) have a positive COVID-19 test result confirmed within 14 days of your departure date from Malta, then the policy will pay any non-refundable deposits and cancellation expenses you have to pay for unused travel and accommodation if it is necessary for you to cancel your trip.

There is no cover under the extension if none of these persons have a positive result to COVID-19 but you are still forced to stay in quarantine and cancel your trip.

Yes, the policy covers you for reasonable additional expenses for accommodation and additional travel expenses if you or your travelling companion are hospitalized, forced to self-isolate or confined to your accommodation in quarantine due to contact with an infected person(s) and you have to stay abroad beyond your planned return date. 
 
The policy will also cover you for additional travel expenses which are necessary to get you home, if you are unable to use your return ticket.
 
The only instance where no cover applies is when the entire ship, plane or bus in which you were travelling is put under quarantine and you are not COVID-19 positive.

If you are denied boarding and your transport or accommodation provider does not reimburse you or offer you alternative dates, then you must get written evidence from your transport provider that boarding has been denied due to possible COVID-19 infection and you must take a COVID-19 test, at your expense, within 24 hours of the denial.

If your COVID-19 test result is negative, then there is no cover. 

But, if your test result is positive, then the policy will pay you for non-refundable cancellation expenses.

If you are denied boarding and your transport or accommodation provider does not reimburse you or offer you alternative dates, then you must get written evidence from your transport provider that boarding has been denied due to possible COVID-19 infection and you must take a COVID-19 test, at your expense, within 24 hours of the denial.

If your COVID-19 test result is negative, then there is no cover. 

But, if your test result is positive, then the policy will pay cancellation expenses incurred and/or reasonable additional charges for accommodation and additional travel expenses which are necessary to get you home, if you are unable to use your return ticket.

If you contract COVID-19 whilst abroad and you have an emergency, you may reach our World-Wide Emergency Assistance – MAPFRE ASSIST on telephone number 00356-22480209.
If possible, please have your Policy number or the ID card number of the main policy holder at hand before calling.
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