Visa-ready plans from $721 per adult, billed annually · see your exact price by age.
The rule in writing
“Malta’s Nomad Residence Permit requires health insurance covering the EU (including Malta) and the UK, for one full year with the premium paid in advance. Travel insurance is not accepted — but a foreign health policy that meets the requirements is explicitly acceptable.”
Official source: Residency Malta Agency — Nomad Residence Permit health-insurance policy — Last verified:
Why US coverage stops at the border
Medicare does not cover routine care once you're living outside the United States; a gap Americans moving to Malta often discover too late. See our Medicare abroad guide for the specifics.
US employer plans and marketplace plans are built around US networks and US residency. Neither is designed to provide the EU (including Malta) plus UK territory shape that Malta's Nomad Residence Permit rule requires; the plan simply doesn't reach that far.
Malta's rule is unusually friendly; and has two traps
Malta's Nomad Residence Permit requires health cover for the EU (including Malta) and the UK, for one full year, with the premium paid in advance; travel insurance is not accepted. According to Residency Malta Agency (verified July 2026), a foreign policy meeting those requirements is explicitly acceptable. For Americans, that's unusual: Malta is one of the rare destinations where an international policy is named as acceptable in the official rule.
The friendliness hides two traps. The first is the territory line; EU-plus-UK, not just Malta. The second is the prepaid year; insurers don't all sell a single, one-year, paid-in-advance policy. Our Nomad Residence Permit insurance page walks through both.
What we arrange for Americans
As an introducer, we arrange cover built in the EU-plus-UK, one-year, prepaid shape the Nomad Residence Permit rule asks for, with the certificate worded for the agency, matching their checklist. Limits run US$1,000,000 to US$2,000,000, cover starts the same day with no medical exam, and there's a 14-day cooling-off period. Children aged 0-17 are covered at a flat rate.
Two limits worth knowing plainly: pre-existing conditions are excluded, and US treatment is not covered; if you're heading home for care, read our US trips guide for expats first. New applicants are accepted to age 70 (Essential 80). Check real Malta insurance prices by age, run the checklist, or start a quote.
Honest limits: Cover is worldwide but excludes treatment in the United States. Pre-existing conditions are excluded, including conditions you did not know about. We disclose this before you request a quote. Consulates keep discretion, and requirements can change. We show the published rule and its source; the final decision is the consulate’s. US domestic and Medicare cover does not travel with you — see the questions below.