If you are the Holder of a valid BOV Gold Visa Card, BOV Platinum Visa Card or BOV Skypass Business Visa Card you are automatically an eligible Member for cover in respect of Short Term Travel Insurance Coverage.

The card automatically covers the following members:

  • Main Cardholder, until reaching the age of 76 years
  • Spouses or partners, of the Main Cardholder, subject that these reside in the same address as the Main Cardholder
  • Children, legally adopted children and legally fostered children of main cardholders, provided that they are under 18 years of age, or under 23 years of age if they are full time students.

Given that the policy is an open cover, one does not need to notify us before every trip. Furthermore it offers a worldwide coverage up to 90 days per trip.

BOV Travel Open Cover Policy covers the following:

  • Cancellation & Abandonment
  • Medical Emergency and Associated Expenses
  • Hospital Benefit
  • Your liability to others
  • Delayed Departure
  • Missed Departure
  • Personal Accident
  • Personal Belongings
  • Delayed Luggage
  • Loss of Passport
  • Personal Money
  • Hijack

For full details please refer to the policy document.

A table of compensation and excesses can be found on the BOV Travel Open Cover Policy from page 4 to page 6. One should refer to the limits and excesses according to the type of card one holds. One should also note that each limit applies for each member and applicable excess applies for each member per claim submitted.

The BOV Travel Policy also offers the following extensions: Winter Sports Extension The policy does not make any payments in respect of death, injury, illness or disablement as a result of engaging or arising in connection with winter sports or the use of dry ski-slopes therefore if you wish to extend cover to protect you against these events, one must extend his policy and pay the appropriate additional premium. Needless to say, the policy will cover you subject to the terms and conditions of the policy. The additional premium that one must pay to extend the winter sports extension is as follows:
BOV Platinum Visa Card€75.48 (including Duty)
BOV Gold Visa Card€51.06 (including Duty)
BOV Skypass Visa Card€51.06 (including Duty)
Please note that the above rates are per cardholder per trip, but automatically cover all the main cardholder's eligible dependants (as noted under the definition of 'Member'). You may find the Winter Sports extension wording on the BOV Travel policy wording page 22. You may pay the extension by using one of the following methods:
  • Internet Banking
  • Cheque (payable to Island Insurance Brokers)
  • At our offices
IMPORTANT: Please note if payment will not be done by the date of departure, cover will not apply. If you would like any further assistance, please contact us on T. 238 55 555 or email cards@islandins.com Trip Cancellation Extension In order to be covered in the event that your booked trip by air or sea is cancelled due to extreme weather conditions or natural catastrophes one must extend his policy and pay the additional premium for the trip cancellation extension.  Needless to say, the policy will cover you subject to the policy terms and condition. You may choose from the following options: Option 1: Extend cover per trip, thus paying €11.10 per individual Option 2: Extend cover up to the expiry of the card, but for not more than 12 months, thus paying €27.75 per cardholder. This will automatically cover all the main cardholder's eligible dependants. You may find the Trip cancellation extension wording on the BOV Travel policy wording page 22. You may pay the extension by using one of the following methods: Internet Banking; Cheque (payable to Island Insurance Brokers) and at our offices IMPORTANT: Please note if payment will not be done by the date of departure, cover will not apply. If you would like any further assistance, please contact us on T. 238 55 555 or contact us.
In case of emergency and in the event of a member requiring assistance whilst traveling outside the Maltese Islands, then the member may call MIDDLESEA ASSIST on telephone number 00356-22480209 from anywhere in the world. MIDDLESEA ASSIST will provide a service on a worldwide basis with the exception of those areas around the world which pose a war risk, political or other conditions which make the provision of the service impossible or reasonably impracticable.

All claims are dealt directly by Island Insurance Brokers. If you wish to lodge a claim under this policy, please forward relative claim form, together with the necessary documentation, without unnecessary delay but not later than 30 days from return of that particular journey to our offices. A claim under this policy must be supported by the following documentation:

 

Section 1 - Cancellation & Abandonment

  • Completed claim form
  • Passport Copy
  • Copy of ID card (cardholder and claimant)Flight Tickets or e-tickets (departure and arrival)
  • Hotel Accommodation Voucher
  • Flight and Accommodation Invoices and receipts
  • Tour/Holiday Programme
  • Documentation to confirm reason/s for cancellation or curtailment:
    • Medical Reports
    • Death Certificates
    • Other confirmations (see Section 1 and special conditions applying to Section 1)
  • Cancellation confirmation from Airline/Agent/Hotel indicating any refund due

Section 2 - Medical Emergency & Associated Expenses

  • Completed Claim form
  • Passport Copy
  • Copy of ID card (cardholder and claimant)
  • Flight Tickets or e-tickets (departure and arrival)
  • Medical Reports
  • Medical Receipts
  • Receipts for additional accommodation and travelling
  • The Member may be examined by a consultant appointed by Mapfre Middlesea plc

Section 3 - Hospital Benefits

  • Completed Claim form
  • Passport Copy
  • Copy of ID card (cardholder and claimant)
  • Flight Tickets or e-tickets (departure and arrival)
  • Medical Reports
  • Hospital Reports
  • Hospital Bills
  • The Member may be examined by a consultant appointed by Mapfre Middlesea plc

Section 4 - Your Liability to others

  • Completed Claim form
  • Passport Copy
  • Copy of ID card (cardholder and claimant)
  • Flight Tickets or e-tickets (departure and arrival)
  • Other documentation to substantiate the Member's claim depending on type of claim
  • Members are to ensure that similar claims are to be handled directly by Mapfre Middlesea plc and no commitment is made regarding settlement or payment

Section 5 - Delayed Departure

  • Completed Claim form
  • Passport Copy
  • Copy of ID card (cardholder and claimant)
  • Flight Tickets or e-tickets (departure and arrival)
  • Boarding Pass
  • Receipts for extra charges incurred
  • Reason for delay substantiated by documentation (Airline declaration etc

Section 6 - Missed Departure

  • Completed Claim form
  • Passport Copy
  • Copy of ID card (cardholder and claimant)
  • Flight Tickets or e-tickets (departure and arrival)
  • Airline's declaration for reason
  • Receipts for extra charges incurred

Section 7 - Personal Accident

  • Completed Claim form
  • Passport Copy
  • Copy of ID card (cardholder and claimant)
  • Flight Tickets or e-tickets (departure and arrival)
  • Medical Reports
  • The Member may be examined by a consultant appointed by Mapfre Middlesea plc

Section 8 - Personal Belongings

  • Completed Claim form
  • Passport Copy
  • Copy of ID card (cardholder and claimant)
  • Flight Tickets or e-tickets (departure and arrival)
  • Original Boarding Pass
  • Damaged Suitcase:
    • Damage Report by Airline
    • Repair receipts is suitcase is irreparable
    • Damaged suitcase if not repairable
    • Original Baggage tags/ Airline Baggage Receipt fixed on flight tickets
  • Non-Delivery of Suitcase:
    • Property Irregularity Report
    • Airline Baggage Receipt fixed on flight ticket
    • List of Missing Items
    • Receipts/Valuations/Manual of missing items
    • Claimants may be requested to make a sworn statement (affidavit)
  • Stolen Items or Accidental Loss of items:
    • Police report with 24 hours of discovery. If not possible to obtain a Police Report, a Report from the Airline or Cruise or Hotel
    • Receipts/Valuations/ Manual of stolen
    • Claimants may be requested to make a sworn statement (affidavit)

Section 9 - Delayed Luggage

  • Completed Claim form
  • Passport Copy
  • Copy of ID card (cardholder and claimant)
  • Flight Tickets or e-tickets (departure and arrival)
  • Property Irregularity Report (Airline/Carrier confirmation of delay)
  • Receipt of suitcase when collected/returned or similar documentation
  • Luggage tags/ Airline Baggage Receipts fixed on Flight ticket
  • Receipts for emergency expenses incurred

Section 10 - Loss of Passport and/or Ticket

  • Completed Claim form
  • Passport Copy
  • Copy of ID card (cardholder and claimant)
  • Flight Tickets or e-tickets (departure and arrival)
  • Loss Report
  • New ticket
  • Receipts for charges

Section 11 - Personal Money [-]

  • Completed Claim form
  • Passport Copy
  • Copy of ID card (cardholder and claimant)
  • Flight Tickets or e-tickets (departure and arrival)
  • Police Report and/or Airline report and/or Cruise Report or similar report
  • Bank Statement/s and/or ATM withdrawal receipt confirming amount of Euros withdrawn for travel
  • Claimants may be requested to make a sworn statement (affidavit)

Section 12 - Hijack [-]

  • Completed Claim form
  • Passport Copy
  • Copy of ID card (cardholder and claimant)
  • Flight Tickets or e-tickets (departure and arrival)
  • Report from authorities concerned showing full details of the event

In case of a claim, the above documentation is always requested but in certain cases, we might ask for more documentation.

The Member shall notify the Company of all claims made by members within 30 days from return of their particular journey.

Step 1: Contacting us

The first step is to talk to a member of our staff or of the intermediary if your Proposal was arranged through one. This can be done informally, either directly or by telephone.

Usually, the best staff member to talk to will be the person who dealt with the matter you are concerned about, as they will be in the best position to help you promptly and to put things right. If they are not available, or you would prefer to approach someone else, then ask for the manager or senior person responsible . We will seek to resolve the problem immediately. If we cannot do this, then, for example, we will take a record of your concern and arrange the best way and time for getting back to you. This will normally be within two working days.

Step 2: Taking your complaint further

If you are still unhappy, the next step is to put your complaint in writing and address it to the Complaints Officer, setting out the details, explaining what you think went wrong and what you feel would put things right. If you are not happy about writing a letter, you can always ask a member of staff to take note of your complaint which you will be asked to sign. You will be provided with a copy for reference. This record will be passed promptly to the Complaints Officer to deal with.

Once our Complaints Officer receives a written complaint,  s/he will arrange for it to be fully investigated. Your complaint will be acknowledged in writing within five working days of receiving it and the letter will say when you can expect a full response. This should normally be within three weeks unless the matter is very complicated, such as where other organisations need to be contacted. Where this is the case, we will still let you know what action is being taken and tell you when we expect to provide you with a full response.

Taking your complaint outside the organization

If you are still not satisfied with the Complaints Officer’s response, you can always seek advice elsewhere. You may contact: Office of the Arbiter for Financial Services First Floor St Calcedonius Square Floriana FRN1530 Malta Telephone: 8007 2366 or 21249245 E-mail: complaint.info@financialarbiter.org.mt Website: www.financialarbiter.org.mt The Office of the Arbiter will expect that you have a final reply to your complaint from us before approaching them.

Following these procedures will not affect your right to take legal action.

If you would like any further assistance, please contact us on T. 238 55 555 or contact us