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Visitor Insurance for Malta

Visitor Insurance for Maltese Nationals Visiting the USA

Malta's EU healthcare card works across Europe — but provides zero coverage in the USA. Don't travel without a US-specific plan.

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The Coverage Gap

Your EHIC Card Is Useless in the USA

Malta's national health service and the European Health Insurance Card (EHIC) provide coverage within Malta and EU/EEA countries — but neither applies to medical treatment in the United States. Malta and the USA have no bilateral healthcare agreement. Maltese nationals visiting the USA — including the small but established Maltese-American community in cities like San Francisco and Detroit — face the full cost of American medical care. An ER visit starts at $2,400, and a hospitalization averages $11,700 per night. For Maltese parents visiting family in the United States, dedicated visitor insurance is the only protection available.

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EHIC covers EU member states only — the USA is not included. Any US medical care must be paid out of pocket without visitor insurance.

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$3,000+

ER Visit

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$11,700/night

Hospital Stay

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$1,500

Ambulance Ride

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$50,000+

Major Surgery

Why Tower Hill

Trusted by 60,000+ International Travelers

We partner with the top A-rated carriers so you get the best coverage, not the highest commission.

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A-Rated Carriers Only

Every plan we offer is from a financially strong, A-rated insurer — IMG, Trawick International, or WorldTrips.

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Compare & Buy in 5 Minutes

No phone calls, no paperwork. Compare plans side-by-side and purchase online. Instant policy documents.

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Coverage in 151 Countries

Whether you're visiting the USA or traveling worldwide, we have a plan designed for your journey.

Our Plans

Compare Top Visitor Insurance Plans

All plans designed specifically for visitors to the USA — covering emergency medical, hospitalization, evacuation, and more.

IMG Patriot America Plus

From $1.10/day

Coverage up to Up to $1,000,000

A-rated by A.M. Best
Covers acute onset of pre-existing conditions
Emergency medical evacuation included
COVID-19 treatment covered
Deductible from $0–$2,500

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Best Value

Trawick Safe Travels USA

From $1.25/day

Coverage up to Up to $1,000,000

Comprehensive emergency coverage
24/7 multilingual assistance
Hospital direct billing available
Covers acute onset of pre-existing conditions
Renewable up to 12 months

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Premium Option

WorldTrips Atlas America

From $1.50/day

Coverage up to Up to $2,000,000

Highest coverage limit available
Ideal for seniors and longer stays
Covers urgent care and telehealth
A.M. Best A-rated carrier
Flexible deductible options

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Prices vary by age, coverage level, and trip dates. Get an exact quote for your trip.

Common Questions

Frequently Asked Questions

Does Malta's Department of Health / Mater Dei Hospital public health (European Health Insurance Card / EHIC) cover medical care in the USA?

No. Malta's Department of Health / Mater Dei Hospital public health (European Health Insurance Card / EHIC) covers healthcare within Malta only — it provides zero coverage for medical treatment in the United States. The US has no bilateral healthcare agreement with Malta, meaning every hospital visit, ER charge, or specialist fee is entirely your personal financial responsibility without dedicated visitor insurance. A us hospital night can exceed €10,000.

Can I buy visitor insurance for my Maltese visiting the USA?

Yes — you can purchase a visitor insurance plan on behalf of parents, grandparents, or other family members visiting from Malta. Simply enter their details (age, travel dates) in the quote tool and complete the purchase. Policy documents and insurance ID cards arrive by email within minutes. Plans cover travelers up to age 99 and most include acute onset coverage for pre-existing conditions — critical for older maltese visitors.

What is the best visitor insurance for Maltese visiting the USA?

For maltese, we recommend three A-rated plans: IMG Patriot America Plus for comprehensive coverage and strong A+ rated carrier backing; Trawick Safe Travels USA Comprehensive for excellent value and broad emergency coverage; and WorldTrips Atlas America for high coverage limits (up to $2,000,000) and robust acute onset pre-existing condition protection. All three are purpose-built for the US healthcare system and available in minutes online.

Do Maltese need a visa to visit the USA?

Maltese can visit the USA for up to 90 days under the Visa Waiver Program — but you must obtain ESTA (Electronic System for Travel Authorization) approval before departure. Visitor insurance is not required for ESTA approval but is essential: without it, any US medical emergency is entirely out-of-pocket. Your EHIC/MOH Malta provides zero US coverage.

How much does visitor insurance cost for Maltese visiting the USA?

Plans typically start around $1.10–$2.00 per day (USD). A healthy Malta adult under 60 visiting for 30 days usually pays $35–$80. Seniors over 70 will see higher rates. The cost is minimal compared to the financial risk — a US hospital night can exceed €10,000. Get an exact personalized quote instantly with no personal information required.

Does visitor insurance cover pre-existing conditions for Maltese visiting the USA?

Most plans include acute onset coverage — meaning if you have a managed condition like hypertension, diabetes, heart disease, or COPD, and you experience a sudden unexpected emergency related to it, the plan can cover that emergency treatment. Routine follow-up care, medication refills, or elective procedures for stable conditions are not covered. This protection is especially important for older maltese and those with chronic health conditions.

How quickly can I get coverage for Maltese visiting the USA?

Coverage can be active within minutes. Complete the quote form online, select a plan, and your policy documents and insurance ID card are emailed instantly. For accidents, coverage begins on your selected start date — which can be the same day. For illness coverage, a short 24–72 hour waiting period typically applies after the start date. Purchase before your family member departs Malta whenever possible to avoid any gap in protection.

What is the minimum coverage I should get?

For visits to the USA, we recommend a minimum of $100,000 in medical coverage. US healthcare costs are among the highest in the world, and even a short hospitalization can exceed $50,000.

How do I file a claim if I need medical care?

Call the 24/7 assistance number on your insurance ID card before seeking treatment when possible. For emergencies, go directly to care — your insurer can sort out billing afterward. All major insurers we work with have direct billing relationships with US hospitals.

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