Allianz-Tiriac Unit Asigurari S.A.
My Travel
My Travel is a travel insurance for the Romania market with online purchase and 24/7 assistance.
Direct payment
Medical expenses are paid directly by the Assistance Company on behalf of Allianz-Tiriac when the insured notifies the Assistance Company immediately. If the insured bears costs personally, Allianz-Tiriac reimburses upon submission of original documents.
Geographic scope
Worldwide (two territorial plans available)
Plan A: all countries except USA, Canada, Romania and the insured's country of residence. Plan B: all countries except Romania and the insured's country of residence.
Starting price
RON 130
Unique selling points
- Medical sum insured up to 50,000 EUR per trip — significantly above the standard minimum in the Romanian market — available in all three packages (Confort, Extra, Max).
- 24/7 Assistance Company service with direct payment of medical bills on behalf of Allianz-Tiriac, eliminating the need for the insured to advance large sums abroad.
- Fully online purchase and instant policy issuance at www.allianztiriac.ro, with no prior notification required before departure for annual policies.
- Annual multi-trip policy covers unlimited trips in one year from 130 RON, with coverage for the first 25 days of each stay abroad — ideal for frequent travelers.
- COVID-19 medical and repatriation expenses explicitly included within the medical sum insured (except events on US/Canada territory), without requiring a separate add-on.
Coverage limits
Medical expenses (emergency)
Covered
Covers emergency medical treatment abroad including outpatient treatment, ambulance transport, transfer to a specialist clinic, hospitalization and/or emergency surgical interventions, diagnostic procedures, medicines and medical materials prescribed by a doctor. Two sum insured options: 30,000 EUR or 50,000 EUR for single-trip policies; 30,000 EUR only for annual multi-trip policies. Repatriation, assistance services and financial protection costs are deducted from this sum. Available across all three packages (Confort, Extra, Max).
Emergency medical treatment
Covered
Covers emergency medical treatment (outpatient treatment, hospitalization and/or emergency surgical interventions, diagnostic procedures, medicines and medical materials prescribed by a doctor) as part of the overall medical sum insured. Outpatient treatment and medicines are covered for a maximum of 15 calendar days from the occurrence of the insured risk. Included in all packages (Confort, Extra, Max).
Hospitalization and emergency surgery
Covered
Hospitalization and emergency surgical interventions are covered within the overall medical sum insured (30,000 EUR or 50,000 EUR), provided hospitalization occurs in a hospital under direct medical supervision using clinically tested methods. Allianz-Tiriac reserves the right to cover hospitalization costs only until the insured's condition allows repatriation. For annual policies, coverage applies to the first 25 days of each stay abroad; hospitalization may be extended by up to 15 additional calendar days if medical repatriation was not possible. Included in all packages.
Outpatient treatment
Covered
Outpatient emergency treatment costs are covered within the overall medical sum insured, for a maximum of 15 calendar days from the occurrence of the insured risk. Included in all packages (Confort, Extra, Max).
Emergency dental treatment
Covered
Covers emergency dental treatment for relief of acute pain only, with a sublimit of 300 EUR within the overall medical sum insured. Definitive dental treatments, root canal treatments (except when for acute pain relief), orthodontics, periodontal disease, scaling, artificial teeth, crowns/bridges are excluded. Included in all packages (Confort, Extra, Max).
Medical transport (ambulance)
Covered
Covers emergency medical transport by specialized services (ambulance to the nearest hospital, medicalized transfer to a specialist clinic at the doctor's request) within the overall medical sum insured. Included in all packages (Confort, Extra, Max).
Medical repatriation / evacuation
Covered
Covers medical repatriation following a medical emergency during travel abroad, with a sublimit of 10,000 EUR within the overall medical sum insured. This sublimit also includes the transport costs of a family member or close person accompanying the repatriation of the insured's remains. Included in all packages (Confort, Extra, Max).
Repatriation of remains
Covered
Covers repatriation of the insured's remains in the event of death from any cause during the insured trip, within the sublimit of 10,000 EUR (shared with medical repatriation) from the overall medical sum insured. Allianz-Tiriac organises, upon request, transfer of the deceased to the place of burial in Romania or burial at the place of death. Included in all packages (Confort, Extra, Max).
Assistance services (search, rescue, emergency transport)
Covered
Covers search, rescue and recovery costs, emergency medical transport by specialized services (including air ambulance if necessary), assistance in identifying efficient treatment options, organisation of funeral services, urgent transport of prescribed medicines from Romania (sublimit 500 EUR), and assistance with lost travel documents (sublimit 100 EUR) and lost means of payment. Activated as a consequence of an accident. Sublimit of 5,000 EUR within the overall medical sum insured. Included in all packages (Confort, Extra, Max).
COVID-19 medical and repatriation expenses
Conditional
Medical and repatriation expenses related to COVID-19 illness are covered within the overall medical sum insured, provided they are not incurred on the territory of the USA or Canada. Coverage is conditional on the event not occurring in the USA or Canada. Included in all packages (Confort, Extra, Max).
Acute episode of pre-existing condition
Conditional
Medical expenses arising from an acute episode of a pre-existing condition are covered with a sublimit of 2,000 EUR within the overall medical sum insured. Chronic or progressive deterioration of pre-existing conditions is excluded. For trip cancellation/interruption due to an acute pre-existing episode, the sublimit is 1,000 EUR per person. Included in all packages (Confort, Extra, Max).
Winter/leisure sports cover (sport de agrement)
Optional
Recreational sports (sport de agrement) including skiing, snowboarding, ski-bobbing, skating, mountain cycling, mountain ascents up to 3,000 m, scuba diving, rafting, and similar activities are available as an optional add-on for an additional premium. Professional sports and extreme sports (e.g. bungee jumping, free-climbing, parachuting, motor racing) are excluded. Applicable to single-trip and annual policies when the additional premium for sports is paid.
Adventure/leisure sports cover
Optional
Same as winter/leisure sports (sport de agrement) add-on: recreational sports involving moderate risk are covered upon payment of an additional premium. Extreme sports (aviation, parachuting, gliding, paragliding, hang-gliding, ski jumping, acrobatic skiing, bungee jumping, climbing/mountaineering, speleology, horse racing, rodeo, contact sport competitions, hunting, motor racing, motorcycling circuits, free diving, deep-water or under-ice diving) remain excluded regardless of premium paid.
Pregnancy complications (acute, first 30 weeks)
Conditional
In the event of acute complications arising during the first 30 weeks of pregnancy, Allianz-Tiriac covers medical expenses strictly for life-saving procedures for the mother and/or child. Childbirth, pregnancy-related routine treatments or check-ups, and complications of a pre-diagnosed pregnancy (except premature birth) are excluded. Coverage is conditional on the pregnancy being within the first 30 weeks. Included in all packages.
Third-party civil liability
Conditional
Covers bodily injury and/or material damage caused accidentally to third parties during the insured trip, for acts committed accidentally, negligently or imprudently. Two sum insured options: 5,000 EUR or 10,000 EUR. Available only in the Max package. Excludes claims from spouse/cohabitants, fines, contractual liabilities, and damages arising from vehicle use, watercraft, aircraft, or professional services.
Legal assistance (criminal proceedings abroad)
Covered
The Assistance Company facilitates access to local legal consultations or contact with the Romanian embassy/consulate in the destination country in the event of arrest or criminal proceedings abroad. This is a service facilitation benefit provided as part of the assistance coverage, not a separate financial indemnity.
24/7 assistance service
Covered
The Assistance Company operates a 24/7 Call Centre. In a medical emergency or accident, the insured must contact the Assistance Company immediately by phone or email. The Assistance Company coordinates medical assistance, contacts the treating physician/medical team, informs family members at the insured's request, and organises repatriation. Telephone costs incurred for communication with the Assistance Company are reimbursed up to the sum insured limit upon presentation of supporting documents. Available in all packages.
Key conditions
Assistance call deadline
The insured must notify the Assistance Company immediately upon occurrence of the insured risk. If the standard procedure is not followed, the insured may notify Allianz-Tiriac within 5 working days of returning to Romania, provided a written explanation for non-compliance is submitted. For cancellation/interruption risks, notification must be made to the Assistance Company within 2 working days of occurrence.
Unauthorized treatment
Allianz-Tiriac may refuse reimbursement of expenses if the insured did not request medical treatment, does not follow medical instructions, or carries out activities contraindicated for the condition suffered. Repatriation costs for which Allianz-Tiriac's prior consent was not obtained, and medical expenses incurred after a date when medical repatriation was possible but not carried out at the insured's decision, are not covered.
Purchase while abroad
If at the time of contract conclusion the insured is not on Romanian territory, Allianz-Tiriac's liability begins 7 calendar days from the day after policy issuance and payment of the premium. In such cases, trip cancellation and/or interruption coverages cannot be attached to the policy.
Chronic conditions
Medical expenses caused directly or indirectly by pre-existing conditions or their aggravation are excluded, except for an acute episode of a pre-existing condition which is covered up to a sublimit of 2,000 EUR. Cancer treatment, sexually transmitted diseases, HIV and AIDS-related expenses are excluded regardless of origin.
Pregnancy
Medical expenses related to childbirth, pregnancy-specific treatments or check-ups are excluded. However, acute complications arising in the first 30 weeks of pregnancy are covered for life-saving medical procedures for the mother and/or child only. Complications of a previously diagnosed pregnancy (except premature birth) are excluded from trip cancellation/interruption.
Pre-existing condition exclusions
Pre-existing conditions are defined as injuries, diseases or their consequences existing before the start of Allianz-Tiriac's liability, for which the insured was diagnosed, received treatment, was aware of, or showed objective signs documented in medical records. Emergency treatment of an acute pre-existing episode is covered up to 2,000 EUR (medical) or 1,000 EUR (trip cancellation/interruption per person).
Coverage duration limit
For single-trip policies, the insured period may be between 2 and 365 days. For annual multi-trip policies, each trip is covered for the first 25 days of the stay abroad; coverage does not apply to trips started before the policy's effective date. The annual policy is valid for 1 year. Coverage begins upon crossing Romania's state border (or 2 hours after policy issuance if the travel start date coincides with the issuance date). Allianz-Tiriac may extend hospitalization coverage by up to 15 additional calendar days if medical repatriation was not possible.
Where to buy
Policy specifics
Trip cancellation and interruption
Optional coverage for trip cancellation or interruption expenses
Baggage protection
Optional coverage for lost, stolen, or damaged baggage during travel
Third party liability insurance
Coverage for bodily injury or property damage caused to third parties during travel
COVID-19 related expenses
Coverage for medical and repatriation expenses related to COVID-19 illness
Medical expenses – package tiers
The medical sum insured (30,000 EUR or 50,000 EUR for single-trip; 30,000 EUR only for annual) is available in all three packages (Confort, Extra, Max). Sublimits applying within this sum: repatriation/remains 10,000 EUR; acute pre-existing episode 2,000 EUR; emergency dental 300 EUR; financial protection (accident consequences) 1,000 EUR (with 500 EUR sub-sublimit for medical equipment); assistance services 5,000 EUR; lost documents 100 EUR; urgent medicine transport 500 EUR.
Personal accident (death and permanent disability)
Covers death and/or permanent disability as a consequence of an accident during the insured trip. Two sum insured options: 2,000 EUR or 5,000 EUR. Available in Extra and Max packages. Permanent disability is defined as complete hearing loss, tetraplegia/paraplegia/hemiplegia, or amputation of a limb or at least two segments of limbs. Settlement of disability claims within a maximum of 1 year from accident date.
Territorial coverage - Plan A
Coverage in all countries except USA, Canada, Romania, and the insured's country of residence
Territorial coverage - Plan B
Coverage in all countries except Romania and the insured's country of residence
Age eligibility
Persons aged 0-70 can benefit from My Travel insurance
Minimum trip duration
Each trip covered under annual policies is limited to maximum 25 days
Waiting period for coverage
Coverage begins after crossing Romania's state border or 2 hours from policy issuance if travel date matches issuance date
Emergency notification requirement
Insured must notify the Assistance Company immediately in case of medical emergency
Premium payment timing
Full premium must be paid at contract conclusion using available payment methods