Malta Travel Insurance for Schengen Visa 2026Planning a trip to Malta? Get Schengen-compliant travel insurance approved for Malta visa applications.
Buy instant travel insurance online starting at just $1 for a day.
Yes. Travel insurance for Malta is mandatory if you are applying for a Malta visa. Your policy must meet Malta visa travel insurance requirements, including:
If you do not need a visa, travel insurance is optional but still highly recommended due to potential high medical costs for foreigners.
Before traveling to Malta, it is necessary to buy Schengen visa travel insurance to meet the Malta visa requirements.
If you are not a citizen of the European Union (EU), European Economic Area (EEA), or Switzerland.
If you plan to stay in Malta for up to 90 days within a 180-day period for tourism, business, or visiting family.
Exceptions: Some non-EU countries have visa waiver agreements with the Schengen Zone, meaning their citizens can enter Malta without a visa for short stays (usually up to 90 days).
On American Visitor Insurance, you can easily buy the travel insurance online to get the visa letter to submit to the Malta consulate for your visa application.
Once your Malta travel insurance is purchased, you will receive the
Insurance details with the toll-free number
Virtual ID card - a digital insurance card you can access instantly on your phone—no physical card required.
Instant Malta visa insurance letter for your visa application, which serves as proof of coverage
Travelers who need a Malta visa should buy travel insurance satisfying Malta visa requirements:
💡 Tip: Always carry a digital and printed copy of your policy, as you may be asked for proof at border checks or during visa processing.
Schengen visa insurance satisfies consulate requirements.
Emergency medical evacuation expenses to nearest available facility if needed.
Covers emergency medical expenses for accidental injury or illness.
Offers coverage for repatriation of remains expenses to home country in case of death.
Travel insurance offers coverage for acute onset of pre-existing conditions.
Avoid these common errors that lead to Schengen visa rejections:
Schengen rules require minimum €30,000 medical coverage (approx. $50,000) (this includes emergency medical treatment & repatriation). Travel insurance for Europe policies with lower coverage than this €30,000 are automatically rejected.
The travel insurance must be valid in all 29 Schengen states. Some travelers buy country-specific insurance (e.g., only for Germany), which is not accepted in the Schengen states consulates.
The Europe travel insurance policy must match the correct entry and exit dates. If your travel insurance for Europe ends even 1 day earlier than your return ticket, your Schengen visa application can be refused.
Some cheap travel for Europe plans exclude repatriation (return of remains in case of death) or exclude pre-existing emergency treatment. Schengen visa officers check for these exclusions carefully.
Consulates prefer international insurance companies that are well recognized in the Schengen region. Unfamiliar or unapproved providers may cause rejection.
Some travelers submit “dummy” insurance and cancel it after printing. Consulates cross-check this data, and if invalid, the visa is denied and can even lead to a travel ban.
Even a 1–2 day mismatch between flight booking and travel insurance validity can lead to rejection. It is recommended to add a buffer day before arrival and after departure.
Sometimes applicants forget to attach the Schengen visa compliant Travel insurance certificate with the application. Only payment receipt is not enough—you need the official Schengen visa travel insurance confirmation letter.
Schengen-compliant medical coverage
Balanced coverage for Europe travel
Starting at $10/week*
Learn More »Starting at $18/week*
Learn More »* Prices shown are indicative for a 7-day trip, $50,000 coverage, $0 deductible, 30-year-old traveler.
Schengen insurance cost ranges between $8 to $15 per week for a 25-year-old traveler with a $50,000 medical maximum and $0 deductible.
All the insurance plans listed below
| Insurance Plans | Provider Network | Cost | How to download Schengen Visa letter |
|---|---|---|---|
| Atlas International | No PPO | $8 | WorldTrips insurance ID cards via Client Zone |
| Patriot International Lite | IPA Network | $10 | IMG insurance ID cards from My IMG |
| Atlas Premium International | No PPO | $11 | WorldTrips insurance ID cards via Client Zone |
| Travel Medical Global Choice | Wellabroad.com | $11 | Seven Corners insurance ID cards via Client Zone |
| Safe Travels International |  |
$15 | Trawick International insurance ID cards via Client Zone. |
Source: American Visitor Insurance ®
Review Schengen Visa insurance plan benefits.
Travelers with existing health concerns often need more than basic Schengen visa insurance.
Travelers can easily compare these best Schengen visa insurance for pre-existing conditions and choose the option that best fits their medical needs and budget.
To get a certificate showing you have travel insurance when applying for a Schengen Visa, follow these steps:
#1 Policy Maximum is the maximum eligible medical expenses that the plan will cover.
#2 Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.
#3 Europe travel insurance for US residents Click here to read more »Severe food poisoning while exploring street food markets. Insurance covers hospital treatment and medical expenses without financial stress.
A broken leg during a winter ski trip. Coverage includes surgery, hospitalization, and medical evacuation if needed.
Delayed luggage during transit. Insurance reimburses essential clothing and toiletries.
Flight canceled due to heavy snow. Trip cancellation coverage reimburses hotel stays and rebooking fees.
Sudden toothache requiring urgent treatment. Emergency dental costs are covered.
Mandatory hotel quarantine after a positive test. Insurance helps cover medical consultations and quarantine expenses.
Individuals who are not citizens of the European Union (EU), European Economic Area (EEA), or Switzerland and who plan to stay in Malta for up to 90 days within a 180-day period for tourism, business, or family visits need to apply for Malta Schengen Visa. This visa allows travel to Malta and other Schengen Area countries. Exceptions may apply depending on the nationality of the traveler, as some countries have visa exemption agreements with the Schengen Zone.
Malta visa travel insurance is a mandatory insurance for individuals applying for a Schengen visa to visit Malta. As Malta is part of the Schengen Area, travelers need to show proof of this insurance to meet visa requirements. This Malta travel insurance must cover a minimum amount for medical expenses, repatriation, and emergency medical care during the stay in Malta. It's essential that the coverage matches the visa regulations and provides necessary financial protection in case of unexpected events.
Schengen eligible travel insurance for Malta meets the specific requirements of the Schengen Agreement for travelers visiting Schengen Area countries in Europe. It must provide sufficient coverage for medical expenses, repatriation, and emergency medical evacuation during the entire stay in the Schengen Area. This insurance is a prerequisite for getting the Schengen visa and should be valid for all countries within the area. It's important to ensure that the coverage amounts and terms align with the visa requirements of the specific Schengen country you plan to visit.
Travelers to Malta who need the Schengen visa can buy Malta visa travel insurance on our website. Our Schengen visa travel insurance quote facility displays the travel insurance that satisfy Malta visa consulate requirements. Once you complete buying the Malta visa travel insurance online, you can download the required Malta visa letter which you can submit while applying for the Schengen visa.
Malta visa medical insurance can be purchased online quickly and easily.
The traveler has to provide relevant information (age, travel dates, total amount of coverage desired) in a simple travel insurance for Malta visa form and click the 'get quote' button.
A list of affordable travel insurance plans with the premium (cost), medical coverage details, and the name of the underwriter will be displayed. The applicant can then buy the best Malta visa insurance plan they like by clicking on the corresponding 'BUY' button. Complete the simple application online and pay using a credit card.
On purchasing the Europe travel insurance for Malta , a traveler will be provided with the insurance details that include a toll free number, a virtual ID card, and a Malta visa letter that may be presented to the consulate as proof of coverage.
A traveler from any of the Schengen visa required countries visiting Malta for less than 90 days is required to buy short term travel medical insurance to apply for Malta visa. It may be individuals, business travelers, family members. For travelers from Schengen visa exempted countries, planning to stay in Malta for more than 90 days need to buy long term travel medical insurance for Long stay Europe visa.
We work with many popular and top rated US insurance providers. These insurance companies offer best travel medical insurance coverage for Schengen visa. These Schengen visa insurance plans satisfy requirements as mandated by the consulate and offer comprehensive travel medical insurance coverage. The top insurance providers that offer popular Schengen visa insurance for Malta are International Medical Group, Seven Corners, WorldTrips and Trawick International.
No, you cannot apply for an Malta Schengen visa if your passport expires in just two months. The Malta consulate—like all Schengen member states—requires that your passport be valid for at least three months beyond your planned departure from the Schengen Area. Additionally, your passport must have been issued within the last ten years and contain at least two blank pages.
If your passport does not meet these conditions, your Malta visa application will be rejected. It is strongly advised to renew your passport before applying for the Malta Schengen visa to ensure that your application is processed without issues.
Yes. Since Malta is part of the Schengen Area, a standard Schengen visa allows you to travel freely to Malta and all other 29 Schengen member countries, as long as you do not exceed the maximum stay allowed on your visa (usually 90 days within a 180-day period).
If Malta is your main destination (longest stay), you must apply through the Maltese consulate or visa center.
Earliest You Can Apply
Latest You Should Apply
Ideal Timing
To obtain a Malta Schengen visa, your travel insurance must meet official Schengen requirements. Below is a simple guide to help you choose visa-approved Malta travel insurance and avoid common mistakes:
| Visa-Approved Malta Insurance | Common Reasons for Rejection |
|---|---|
| Policy starts on your exact departure date | Coverage begins after arrival in Malta |
| Official PDF certificate with policy number & full travel dates | Only payment receipt or incomplete confirmation email |
| Clearly states coverage for “Schengen Area” including Malta + repatriation | Missing repatriation or unclear territorial coverage |
| Minimum €30,000 medical coverage | Coverage below €30,000 or not clearly mentioned |
| Certificate available in English | Certificate only in non-English language without translation |
Your Malta travel insurance must:
Always double-check that your certificate clearly mentions “Schengen Area” coverage, lists Malta within the covered territory, and matches your exact travel dates before submitting your Malta visa application.
See what travelers are saying about their insurance experience for Malta. Real reviews from real visitors.
"I am always appreciating good business conduct and when I am coming back here for the longer time span."
"Thank you for your prompt response. Your prompt response will be highly appreciated."
"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company."
To apply for a Schengen Visa to Malta, follow these steps:
The best travel insurance for seniors vacationing in Malta depends on age and visa requirements. At American Visitor Insurance, you can compare top-rated Schengen visa plans designed specifically for older travelers.
All of these plans include a Schengen visa letter, which you can instantly download and print after purchase.
💡 Tip: Prices above are based on a $50,000 policy maximum with $0 deductible to meet Schengen visa requirements. If you don’t need to meet those requirements, you can lower the cost by choosing a higher deductible.
Insurance for older travelers for visiting the Schengen countries
We serve as a trusted marketplace for Schengen travel insurance with over 20 years of experience, helping you easily compare top-rated plans that meet Schengen visa requirements.
The cost of Malta health insurance for travelers depends on the following:
Get a discount on the Best Group Travel Insurance for Malta
| Visa Type | Description | Duration / Notes | Subtypes (if any) |
|---|---|---|---|
| Schengen Visa (Type C) | Short-term visa for travel and stay in Malta and the Schengen area. | Up to 90 days within a 180-day period | Single-entry, Double-entry, Multiple-entry |
| National Visa (Type D) | Long-stay visa for stays in Malta exceeding 90 days. Issued under national legislation. | Long-term; Examples: student visas, work visas, residence permits | None |
| Airport Transit Visa (Type A) | Allows transit through the international transit area of Malta airport without entering the country. | Required for certain citizens connecting through Malta to a non-Schengen destination | None |
| Transit Visa (Type B) | Allows transit through Malta to reach a final destination outside the Schengen area. | Valid for a maximum of 5 days | None |
US citizens traveling to Malta should apply for ETIAS (European Travel Information and Authorization System).
US citizens are advised to buy travel insurance Malta visa even if it is not mandatory for short travel, it is mandatory only for travel of more than 90 days to Malta and need a travel visa.
Travel insurance with trip cancellation coverage will protect the traveler in the event of trip delay, cancellation of flights, loss of baggage as well as any medical emergency or accident that the US citizen can face while in Malta.
Some US citizens travel insurance plans also have the option of 'Cancel for Any reason' (CFAR) by providing a refund of up to 75% of the trip cost if one cancels the trip for any reason. Having reliable travel insurance will ensure that the travelers can recoup the trip expenses which can be significant in the case of cruises, airline ticketing and hotel reservations should they face adverse circumstances during travel.
Travel Insurance for Malta from USA »US citizens who want to stay in any of the 29 Schengen countries for more than 90 days in a 180 day period need a Long Stay Visa. One of the requirements for this visa is proof of medical insurance with medical expenses coverage up to €30,000 (~USD $35,000 as of February 2026) which is valid during the whole stay in the Schengen countries.
The insurance company should provide a visa letter stating coverage amounts for medical expenses, emergency medical evacuation and repatriation while in Europe (or 'unlimited' if there is no limit of coverage).
American Visitors Insurance offer the best Europe long stay travel insurance for US citizens designed by top US insurance providers. International travel insurance plans vary based on the different coverage benefits offered. Travelers can compare coverage benefits and buy the plan that best fits their coverage needs.
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Yes, US Green Card holders may need a visa to travel to Malta, if the country of their passport requires a visa for travel to the Schengen countries. Green Card Holders travel insurance for Malta is required while applying for a Malta visa. US Green Card Holders can buy travel insurance to satisfy Malta visa requirements for their visa application on American Visitor Insurance.
The GlobeHopper Senior plan is available either as
Coverage: 5 days to 365 days
description Plan details | picture_as_pdf Brochure | shopping_cart Buy onlineCoverage: 12 months total, up to 30 days per trip.
description Plan details | picture_as_pdf Brochure | shopping_cart Buy online General Information About Malta
A strategically important seaport, this fortified city is the elegant capital of the Republic of Malta. The entire city of Valletta is testimony to the grandeur of the Knights of Malta.
Gozo Island is the most idyllic destination of the Maltese Islands. This little island is the perfect place to enjoy a relaxing vacation while still discovering cultural attractions.
The Blue Lagoon is a mesmerizing scene of crystal-clear turquoise waters. It has a South Pacific quality with the waters lapping over a white-sand seabed.
| City | Airport Name | IATA Code |
|---|---|---|
| Luqa | Malta International Airport | MLA |
Travel health insurance for Malta visa usually provides coverage for injury, sickness and unplanned medical expenses, emergency medical evacuation, and repatriation of remains in case of death. However, there are certain situations and items that are not covered by Malta Schengen Visa insurance. These include:
Schengen Visa insurance usually excludes or provides limited coverage for any medical conditions that existed prior to the start of the policy. This means that if you have a pre-existing condition, any related treatment may not be covered.
Most Schengen Visa medical insurance plans do not cover ongoing treatment for chronic illnesses such as diabetes or heart disease. Travelers needing long-term care should look for specialized insurance coverage.
Schengen travel insurance is designed for emergencies. It typically does not cover routine check-ups, vaccinations, or elective procedures.
Many Schengen Visa health insurance plans exclude coverage for high-risk activities such as bungee jumping, skiing, or scuba diving. If you plan to join such activities, consider additional adventure sports coverage.
Most Schengen Visa insurance policies do not include coverage for mental health conditions like anxiety or depression. Specialized plans may be needed for such care while abroad.
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