Notwithstanding ‘General Exclusion for pandemics’ included under this Policy, it is hereby declared and agreed that this policy is extended as follows:

Section 1 – Cancellation and Abandonment

Cover under this Section is extended to include:

• Cancellation expenses if you or your travelling companion or your close relative(s) or persons hosting the insured persons, die, fall ill or must quarantine due to COVID-19. Cover is applicable subject to any of the above persons having a positive COVID-19 test within 14 days of the departure of the insured persons.
• Abandonment/additional travel expenses due to the insured persons being hospitalized or confined to their accommodation due to quarantine for more than 24 hours. Cover also applies if a travelling companion has tested positive during the trip.
• Denial of boarding at departure or not being permitted to continue the trip due to the insured persons testing positive or showing symptoms for COVID-19, subject to:
  • Your transport or accommodation provider not reimbursing you or offering alternative dates;
  • Written evidence from your transport provider that you or your travelling companion have been denied boarding due to potential COVID-19 infection; and
  • A positive COVID-19 test being taken within the 24 hours after being denied boarding or not permitted to continue the trip, at your expense.

Notwithstanding the above, cover under policy section 1 – Cancellation and Abandonment item vii, is deemed to be deleted and have no effect whatsoever. Furthermore, no cover will apply if:

• Malta or the country you are visiting is put on lockdown and/or a travel ban is imposed due to COVID-19 and/or a declared pandemic/epidemic and/or
• the entire ship, plane or bus in which you are travelling is put under quarantine, unless you are COVID-19 positive

Section 2 – Emergency Medical and Associated Expenses and Hospital Benefit

Cover under this Section is extended to include:

• any emergency medical expenses (including rescue services to take you to the hospital) incurred due to COVID-19. Such cover will also be extended for the Hospital Benefit during the in-patient stay due to COVID-19;
• The cost of returning your body to your home or the cost of burial or cremation in the country abroad where death occurred.

Cover under this extension is subject to:

• the limits stated in the Schedule, applicable under the respective Sections;
• the following additional conditions:
  • Cover must not be purchased in the 14 days prior to departure;
  • Cover cannot be purchased when you or your travelling companion or your close relative(s) and persons hosting the insured persons, have symptoms, test positive or are waiting for a test result for COVID-19.
  • The following specific exclusions:
    • if you or your travelling companion or the insured persons must quarantine due to a COVID-19 case on a plane, bus or ship (other than of yourself, your travelling companion or the insured persons);
    • if quarantine is the result of any government law or regulation.

For the purpose of this cover COVID-19 shall mean: “the virus officially known as ‘severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2)’ and/or any related illness including Coronavirus Disease and/or any mutation or variation of SARS-CoV-2 however caused.”