Compare Travel Insurance in Romania

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What is travel insurance in Romania?

Travel insurance (asigurare de călătorie) covers medical costs, trip cancellation, lost luggage and emergencies while you are abroad. For Romanians travelling within the EU, the European Health Insurance Card (cardul european de asigurări de sănătate) issued by CNAS covers necessary state healthcare, but a private travel policy adds private treatment, repatriation, cancellation and higher limits. For trips outside the EU it is effectively essential, since public cover does not extend there.

How the Romanian market works

Travel policies are sold by insurers supervised by the Autoritatea de Supraveghere Financiară (ASF), as well as by banks, airlines and online aggregators. You can buy single-trip cover for one journey or an annual multi-trip policy if you travel often. Cover tiers scale by destination zone (Europe, worldwide, worldwide including certain countries) and by the medical limit. Add-ons for winter sports, business trips or existing conditions are common.

Benefits

Emergency medical cover — private treatment and hospital costs abroad up to a high limit.

Repatriation — transport home if you cannot be treated locally, which can otherwise be very expensive.

Cancellation and delay — refunds if you must cancel or a trip is disrupted for a covered reason.

Baggage and liability — compensation for lost luggage and cover if you accidentally injure someone or damage property.

24/7 assistance — a round-the-clock helpline that arranges treatment and payments while you are abroad.

How to choose

Match the destination zone and medical limit to your trip: worldwide travel needs a higher limit than an EU city break, and countries with costly private healthcare warrant a larger medical ceiling. If you travel several times a year, an annual multi-trip policy is usually cheaper than repeated single trips. Check exclusions for pre-existing conditions and adventure activities, confirm the 24/7 assistance line, and read the excess (franşiza) you pay per claim.

Leading providers in Romania

Allianz-Ţiriac, Generali Romania, Groupama Romania and Omniasig are among the main travel insurers, each offering single-trip and annual policies with 24/7 assistance. Banks and online brokers also distribute these products, and some card accounts bundle basic travel cover. Compare the underwriting insurer and the assistance provider, since the quality of the emergency helpline matters as much as the price when something goes wrong abroad.

What it costs

Travel-insurance premiums in Romania are quoted per trip based on destination, duration, traveller age and cover level, so a short EU trip costs little while long-haul or annual worldwide cover costs more. Family and annual multi-trip policies lower the per-day cost. Because pricing is individualised, get a quote for your specific dates and destination rather than assuming a flat rate, and check whether add-ons for sports or existing conditions change the total materially.

Protections and regulation

Travel insurers operating in Romania are licensed and supervised by ASF, which enforces solvency and fair claims handling. Policies must clearly state exclusions, limits and the excess. For EU trips your EHIC/CNAS card still applies to state healthcare alongside private cover. Complaints go first to the insurer, then to ASF or the insurance ombudsman, and consumer issues can reach ANPC. Always keep receipts and contact the assistance line before incurring major costs.

Common questions

Do I need it inside the EU? The EHIC covers state care, but private travel insurance adds repatriation, cancellation and higher limits.

Single or annual policy? Frequent travellers save with an annual multi-trip plan.

Are extreme sports covered? Usually only with a specific add-on; check before you ski or dive.

What is the excess? The franşiza is the amount you pay yourself on each claim; a lower excess usually means a higher premium.

Travel Insurance in Romania — FAQ