expats malta

Planting roots within a completely new country seems a daunting venture for many; hence, Malta has become home to many individuals that chose the island of sun and sea as their country of residence. 

Apart from integrating local customs and culture within their daily lives, expats undertake a lot of preparation before stepping foot on the island. But one thing some fail to plan out is things-to-do that require attention once Malta truly becomes a person’s home.

Preparation is truly key. Find all the answers you need to truly make your expat transition on the island a smooth experience.


Build your own new home with the little things that are close to you and your loved ones. If you are planning on bringing to Malta your personal effects, speak to your insurer about the creation of a tailor-made household goods and personal effects insurance policy.

This offering was created specifically with an expat’s needs in mind. It provides cover against damages to your stuff from the moment they are collected from your previous country of residence up until they are delivered to your new home in Malta.

It’s best to speak to our representatives who will be able to guide you better and decide what the best solution is for you.


After finding a place you can call home, being aware of your responsibilities and opportunities at hand is imperative. Discuss with your landlord the terms under which the building is insured, to make sure which damages fall under whose domain.

Whilst insurance of premises can run both ways, it is up to you to insure the contents within your residence. Whether it’s furniture, personal possessions, décor or investments you have made to make the place more homely, it is best to speak to an insurer to protect what is yours.

At Thomas Smith, home insurance policies include various sections that are planned out to give you the best peace of mind you deserve; whether the focus is on buildings, contents, personal accident, public liability and many more.


Malta’s public transport might not be the answer to everyone’s commuting problems; whilst getting a cab every time you want to head out of your city/village of residence might be a hefty expense especially if you choose lodging that is not central.

Whilst certain locations are easier to reach given the island’s small size, many locals opt for a personal vehicle to go about their day. Consider a car with dimensions that allows easy driving and parking within your area of residence.

Another aspect to consider is the possibility of getting a hybrid or electric car, especially if you live in certain areas such as Valletta where you may benefit from the CVA fee waiver. Consider trying out transport options such as the ferry service which runs across some of the most prominent coastal cities to reduce your pollution footprint.


One of the biggest pros Malta offers its residents is free healthcare… and that’s probably one of the things you want to put on your primary list.

Speak to the administration services that handle any paperwork required for you to be eligible for free healthcare, whilst also studying the procedure list and fees of private hospitals to see whether there’s anything you need to plan beforehand.

Get in touch with our team to discover more about healthcare insurance and discover more about its benefits.


Problems might occur at the spur of a moment, so having a list of Maltese emergency service contacts is a must. Print a sheet to keep at home for easy access to all the family, especially children and save a copy on your phone.

Review all the most important contact numbers and emails here.


Many expats who have called Malta their home for many long years have managed to grasp titbits of the Maltese language so well that they manage to understand a conversation. Local terminology is easily picked up and can be incorporated into your communication with others, even if it is just a word or two.

Don’t be afraid of language barriers – the country is very familiar with the use of English almost everywhere you go. Put your worries aside and have peace of mind that you’ll be able to communicate well, whatever the context.


Living in a completely new country might feel like you are starting a new life. With all the positive experiences that come with it, many expats go through periods of social isolation until they become accustomed to a new life.

It is important that you get yourself out there and make new friends. Scout popular groups on Facebook that welcome new members with open hearts as they share tips as well as create occasions for people to meet up and have a nice chat. Visit your local shops and get to know people that might live in the vicinity.

Enjoy the benefits of being a long-term tourist in a new country and start gaining the knowledge that will transform you into a new local.