Travel insurance
Travel health insurance. Choose the covered territory, trip type, policy validity, insured amount, and additional covered risks, including COVID-19
Coverage
Travel insurance cover unforeseen and necessary expenses resulting from an acute illness or personal injury following an accident and death outside their home country. The policy includes emergency medical expenses, hospitalization, emergency surgery, emergency repatriation in the event of death, and other related expenses. Some insurance companies also cover trip cancellation or interruption and dental treatment. Insured amounts range from 5,000 EUR to 60,000 EUR depending on the travel destination. Insurance terms for several companies, including:
can be reviewed for all of the offers listed.
Cost
The cost of travel insurance for a single trip is determined on a per-day basis and varies depending on the insurance company, travel destination, insured amount, insured person age and additional risks. In contrast, multi-trip insurance, or multivisa, has a fixed price for a predetermined period. The prices for both single and multi-trip insurance are listed in EUR, and the user pays in MDL at the BNM rate.
To obtain the exact price and compare offers for your travel destination, simply fill out the form provided above.
Exclusions
Travel insurance policy does not cover pre-existing medical conditions, high-risk activities (such as extreme sports), illegal activities, self-inflicted injuries, mental health conditions. Other exclusions include pregnancy-related expenses, natural disasters or epidemics, and non-emergency medical treatment. Every insurance company has a specific list of activities that aren’t covered. For a comprehensive list of exclusions for every company you can check here:
Claim process
The insured must immediately contact the insurer's Assistance Company in case of an insured risk, and provide necessary information. The insurer organizes medical services and other necessary services according to the insurance contract. The insured should present their insurance policy to medical personnel and must declare in writing to the insurer about any expenses related to the insured risk. Relevant documents must be presented to the insurer within 30 calendar days, and the insurer completes investigations and determines the indemnity amount within a month. In the case of impossibility of ascertaining the circumstances, the insurer postpones the examination and notifies the reasons.
Customer service
- Contact the Assistance Company immediately according to the insurance policy.
- Notify the Assistance Company in Romanian, or English, providing the insured's name, policy number, a phone number where you can be contacted abroad, and details of the event.
- In case of hospitalization, the insured or the doctor must notify the Assistance Company within 48 hours, otherwise, the Company will not be able to take a decision to cover hospitalization expenses.
- If you have decided to bear the expenses independently, ask the doctor to provide you with all the documents confirming the diagnosis and hospitalization, in the original, signed, and stamped.
- If you have paid for the services independently, within 24 hours after payment, you have to inform the Assistance Company of the payment date and the amount of expenses. Keep all original receipts and invoices for any services received related to the insured case.
- Within 30 calendar days from the date of return from the trip, you must contact the insurance company to submit a claim for insurance compensation.
- In case of the insured's death as a result of the insured case, relatives or the trusted person must notify the Insurer within 48 hours.
- If you suffer from any chronic illnesses or other pathologies, make sure to bring all necessary medications during the trip.