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

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

Up to €25 (Lm10.73) for every completed 24 hours in-patient hospital stay abroad, up to a maximum of €700 (Lm300.51)

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

• Accidental loss, theft or damage to baggage up to the sums insured/limits applicable to the Cover Option 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.

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).

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 (Lm536,625).

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.

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

Section	Budget Cover Option	Standard Cover Option	Premier Cover Option
A - Cancellation or Abandonment charges	€700 (Lm300.51)	€2,350 (Lm1,008.86)	€3,500 (Lm1,502.55)
B - Emergency Medical & Other Expenses	€35,000 (Lm15,025.50)	€175,000 (Lm75,127.50)	€600,000 (Lm257.580)
C- Hospital Benefit	€25 (Lm10.73) for every complete 24 hours - maximum €700 (Lm300.51)
D - Personal Accident	See Benefits Specification which follows this table
E - Baggage and Passport	Baggage - €700 (Lm300.51) Single Article (incl. valuables) Sub-Limit - €250 (Lm107.33	Baggage - €1,200 (Lm515.16) Single Article (incl. valuables) Sub-Limit - €350 (Lm150.26)	Baggage - €2,350 (Lm1,008.86) Single Article (incl. valuables) Sub-Limit - €350 (Lm150.26)
	Aggregate Valuables Sub-Limit - €475 (Lm203.92)	Aggregate Valuables Sub-Limit - €700 (Lm300.51)	Aggregate Valuables Sub-Limit - €700 (Lm300.51)
	Delayed Baggage Limit - €125 (Lm53.66)	Delayed Baggage Limit - €175 (Lm75.13)	Delayed Baggage Limit - €175 (Lm75.13)
	Passport Loss Expenses - €75 (Lm32.20)	Passport Loss Expenses - €175 (Lm75.13)	Passport Loss Expenses - €250 (Lm107.33)
F - Personal Money	Personal Money -€825 (Lm354.17) Cash Sub-Limit -€475 (Lm203.92)	Personal Money -€1,200 (Lm515.16) Cash Sub-Limit -€600 (Lm257.58)	Personal Money -€1,750 (Lm751.28) Cash Sub-Limit -€900 (Lm407.84)
	Unauthorised Card Use Limit - €125 (Lm53.66)	Unauthorised Card Use Limit - €250 (Lm107.33)	Unauthorised Card Use Limit - €475 (Lm203.92)
G - Personal Liability	€1,250,000 (Lm536,625)
H - Delayed Departure	€50 (Lm21.47) for the first completed 12 hours delay and €25 (Lm10.73) for each full 12 hours delay thereafter - maximum €250 (Lm107.33)
I - Missed Departure	Missed Departure Limit - €250 (Lm107.33)	Missed Departure Limit - €475 (Lm203.92)	Missed Departure Limit - €700 (Lm300.51)

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.