Colonnade Insurance S.A. Luxembourg - Bucharest Branch
Colonnade
Colonnade is a travel insurance for the Romania market with online purchase and 24/7 assistance.
Direct payment
The Assistance Company organises direct payment with hospitals and medical institutions where possible, avoiding the need for the insured to use their own funds to pay medical expenses.
Geographic scope
International travel outside Romania and country of permanent residence
Zone Europe (European continent including neighbouring Mediterranean non-European countries, including Canary Islands and Turkey, excluding Israel, Libya, Syria and Lebanon); Zone World excluding North America (USA, Canada, Mexico, Central America, Caribbean, Greenland); Zone World. Not valid in Romania, country of residence/citizenship of insured, or any country where the insured pays mandatory health insurance.
Unique selling points
- Medical expenses and assistance covered up to 1,000,000 RON on the Platinum tier, one of the highest limits available in the Romanian travel insurance market.
- Direct payment coordination with hospitals abroad – the Assistance Service settles medical bills directly with hospitals, so the insured does not need to use personal funds.
- Comprehensive 24/7 international assistance service (+4 021 307 92 40) covering medical repatriation, search & rescue up to 1,000,000 RON (Gold/Platinum), replacement driver, vehicle repatriation, family transport, and emergency extension of up to 72 hours.
- Customisable coverage with optional add-ons including winter sports, extreme sports & competitions, road assistance, pet insurance, and travel cancellation – allowing the insured to build a policy tailored to their specific trip.
- COVID-19 treatment included within the full medical expenses limit, plus a separate quarantine cost sub-limit (up to 15,000 RON on Platinum) for extended stays imposed by local health authorities.
Coverage limits
Medical Expenses and Assistance Services – Total Limit
Covered
Covers emergency medical treatment costs incurred abroad due to sudden illness (including Covid-19) or accident needed to restore health sufficiently for return/transport to Romania. Includes medical examinations, doctor fees, hospitalisation, surgery, medications, orthopaedic aids, transport to hospital, pregnancy complications (before week 30), decompression chamber, continuation of treatment in Romania (up to limit in benefit table), and telephone calls to Assistance Service (up to 250 RON per event). Silver: 250,000 RON; Gold: 500,000 RON; Platinum: 1,000,000 RON.
Emergency Medical Treatment (outpatient and inpatient)
Covered
Emergency medical examinations and treatment recommended by a doctor, including outpatient visits, hospitalisation and surgical interventions whose necessity cannot be deferred until return to Romania, are all included within the overall medical expenses limit. Silver: 250,000 RON; Gold: 500,000 RON; Platinum: 1,000,000 RON.
Hospitalisation (including surgery)
Covered
Hospitalisation including surgical interventions whose necessity cannot be deferred until return to Romania is covered within the overall medical expenses limit. The Assistance Service selects the most appropriate hospital, arranges admission, organises ambulance transport, informs the hospital of payment conditions and maintains constant contact. Silver: 250,000 RON; Gold: 500,000 RON; Platinum: 1,000,000 RON.
Outpatient Treatment
Covered
Outpatient medical examinations, doctor consultations and treatments recommended by a doctor are covered within the overall medical expenses limit. Covered across all tiers. Silver: 250,000 RON; Gold: 500,000 RON; Platinum: 1,000,000 RON.
Emergency Dental Treatment
Covered
Emergency dental treatment in cases of severe pain and inflammatory processes, up to 1,500 RON for all conditions arising during the insurance period that require immediate medical care. Permanent crowns and dentures are excluded. Limit is identical across all tiers: Silver, Gold, Platinum.
Medical Transport (to hospital and between medical facilities)
Covered
Transport to the nearest hospital or between hospitals where the current facility cannot provide adequate care, as well as transport to accommodation after coordination with the Assistance Service, are covered within the overall medical expenses limit. Silver: 250,000 RON; Gold: 500,000 RON; Platinum: 1,000,000 RON.
Medical Repatriation (Medical Evacuation)
Covered
The Assistance Service arranges and covers the cost of transporting the insured to a hospital or their residence in Romania if their health condition requires it and the previously planned transport cannot be used. The Assistance Service decides if such transport is necessary and feasible. Silver: 250,000 RON; Gold: 500,000 RON; Platinum: 1,000,000 RON.
Repatriation of Remains
Covered
In the event of the insured's death abroad, the Assistance Service organises repatriation of the remains to Romania. A coffin required for repatriation is also covered (up to 1,000 RON). The method of repatriation is determined by the Assistance Service. Costs are covered up to the amount that the Assistance Service would have incurred for repatriation to Romania. Included across all tiers.
Search and Rescue Costs
Covered
Covers costs of search and rescue operations in mountains and at sea. Search services run from notification that the insured is missing until found or the search is abandoned. Rescue services cover from finding the insured until transfer to medical services, including first aid. Does not cover presumed kidnapping risk. Silver: 50,000 RON; Gold: 1,000,000 RON; Platinum: 1,000,000 RON.
COVID-19 Treatment and Quarantine Costs
Covered
COVID-19 medical treatment is covered within the overall medical expenses limit (Silver: 250,000; Gold: 500,000; Platinum: 1,000,000 RON). Additionally, documented costs for accommodation, food and transport are covered when the insured is placed in mandatory quarantine by local health authorities due to COVID-19 confirmed by a positive test, when quarantine does not end before the planned end of the trip (quarantine sub-limit: Silver 5,000; Gold 7,500; Platinum 15,000 RON). Return transport is also covered if planned transport cannot be used.
Pre-existing Conditions (Chronic Diseases)
Excluded
Chronic diseases (diagnosed, treated, or symptomatic in the 24 months prior to policy signing) are generally excluded from medical expense coverage. However, emergency medical treatment and acute exacerbation of a stabilised chronic disease occurring during the insurance period is covered as a conditional sub-limit of 10% of the medical expenses insured sum (Silver: 25,000; Gold: 50,000; Platinum: 100,000 RON). Treatment that could be deferred until return to Romania is excluded. Stabilised chronic disease is defined as a disease that in the 6 months before departure did not indicate a need for medical attention, medication change, or hospitalisation during travel.
Winter Sports / Ski Cover (Add-On)
Optional
Optional add-on extending medical expenses and assistance coverage to winter sports. Also covers: permanent disability or accidental death from ski accident; theft/damage to ski/snowboard equipment; ski equipment rental costs; ski pass reimbursement (100 RON/day); benefit for closed ski slopes (100 RON/day, max 1,200 RON); third-party liability on ski slopes. Medical expenses covered up to the overall medical limit per tier. Can only be purchased by persons under 70 years of age at policy start.
Extreme Sports and Competitions Cover (Add-On)
Optional
Optional add-on extending the policy to cover extreme/risk sports and competitions. Covers: medical expenses and assistance for injuries from extreme sports; permanent disability or accidental death from extreme sports accidents; compensation for unused services if the trip must be cut short for health reasons; theft/damage of sports equipment; rental of replacement sports equipment. Medical expenses covered up to the overall medical limit per tier. Can only be purchased by persons under 70 years of age at policy start.
Pregnancy Complications (before week 30)
Conditional
Covered within the overall medical expenses limit when complications arise before the 30th week of pregnancy requiring immediate medical care. Includes doctor visit, transport to hospital and hospitalisation. Preventive examinations and routine prenatal consultations are not covered. Childbirth after week 30 is excluded. Silver: 250,000 RON; Gold: 500,000 RON; Platinum: 1,000,000 RON.
Third-Party Civil Liability (Bodily Injury and Property Damage)
Covered
Covers accidental damages caused to third parties for which the insured is legally liable during travel abroad. Bodily injury liability: Silver 200,000; Gold 300,000; Platinum 1,000,000 RON. Property damage liability (including hotel liability): Silver 25,000; Gold 50,000; Platinum 50,000 RON. Agreed limit applies to all claims arising during the insured trip. Excludes: contractual liability; damage to family members or animals in care; intentional damage; wild/exotic animals in care; rented/borrowed property (except hotel room); normal wear; lost profits; damage to documents, art, computer files; non-personal activities; IP violations; disease transmission; motor vehicles/vessels/machinery operated by insured; environmental damage; weapons possession; aerial sports; alcohol/drug-influenced events; claims below 50 RON; criminal penalties and administrative fines.
Legal Assistance
Covered
Covers legal costs incurred abroad by the insured to bring a claim against a third party that caused bodily injury, death or illness during the insured trip outside Romania. Includes lawyer fees, court/arbitration costs, expert fees and costs incurred in appeal proceedings. Prior written consent from the insurer is required before incurring legal costs. Limit is 75,000 RON across all tiers: Silver, Gold, Platinum. Excludes: costs defending civil claims against the insured; criminal/administrative proceedings against insured; claims against travel agents/tour operators/insurers; claims reported more than 1 year after the event; costs of proceedings against Colonnade.
24/7 Assistance Service
Covered
Round-the-clock international assistance service available at +4 021 307 92 40, 365 days per year. The Assistance Service provides immediate assistance for covered events: coordinates direct payment with hospitals, arranges medical repatriation, organises continuation of the insured trip, covers search and rescue costs, organises hotel accommodation, provides interpretation and translation services, repatriates the insured's vehicle, organises a replacement driver, covers emergency colleague replacement costs, organises repatriation in case of death, extends insurance coverage in emergencies (up to 72 hours), and arranges transport/accommodation for family members. The assistance service cost is drawn from the overall medical expenses insured sum.
Key conditions
Assistance call deadline
The insured or a person acting on their behalf must contact the Assistance Service by telephone before taking any independent action, at the latest within 24 hours of the occurrence of a covered event (+4 021 307 92 40). For any complex outpatient treatment exceeding 200 RON, hospitalisation, transport, repatriation, or civil liability, the insured must contact the Assistance Service immediately. Failure to do so may result in reduction or refusal of the claim.
Unauthorized treatment
If the insured seeks medical treatment without prior authorisation from the Assistance Service, the insurer reserves the right to reduce the amount allocated to medical expenses or reject the claim. For outpatient treatment, the insured should where possible pay directly and claim reimbursement after returning to Romania, retaining all invoices and receipts.
Purchase while abroad
If the insured is abroad at the time of policy issuance, the insurer's liability shall commence no earlier than 3 days after the contract conclusion date, provided the premium has been paid. This waiting period does not apply to renewals of prior policies with Colonnade concluded before expiry of the previous period.
Chronic conditions
Chronic diseases (diagnosed, treated, or symptomatic in the 24 months prior to signing the insurance contract) are generally excluded. Emergency treatment for an acute exacerbation of a stabilised chronic disease occurring during the insurance period is conditionally covered up to 10% of the medical expenses insured sum per tier (Silver: 25,000; Gold: 50,000; Platinum: 100,000 RON). A stabilised chronic disease is one that in the 6 months before departure did not require a doctor's attention, medication change, or hospitalisation.
Pregnancy
Pregnancy complications requiring immediate medical care arising before the 30th week of pregnancy are covered within the overall medical expenses limit. Routine antenatal check-ups and consultations are not covered. Childbirth occurring after the 30th week of pregnancy is excluded. Abortion is excluded except when performed to save the life or health of the insured and permitted by the law of the country where performed.
Pre-existing condition exclusions
Pre-existing conditions are generally not covered. Only emergency treatment for an acute exacerbation of a stabilised chronic disease during the insured period is conditionally covered up to 10% of the medical expenses sum (Silver 25,000; Gold 50,000; Platinum 100,000 RON). Treatment that can be deferred until return to Romania is excluded. Medical contra-indications to travel known before departure, or a recommended surgery or hospital treatment prior to departure, result in denial of medical expense claims.
Coverage duration limit
The maximum duration of a single trip is 120 consecutive days. The insurance starts and ends at the time of crossing the border of the country of residence or Romania. For the annual multi-trip product, unlimited trips are permitted with a maximum duration of 120 consecutive days per trip. The insurance can be extended by agreement with the insurer. In emergencies (natural disasters, transport breakdown, adverse weather), the coverage period is automatically extended free of charge for up to 72 hours.
Where to buy
Policy specifics
Medical expenses limit
Coverage for medical expenses with tiered limits based on insurance package tier (Silver: 250,000; Gold: 500,000; Platinum: 1,000,000)
Medical repatriation
Coverage includes medical repatriation services and transport to medical facilities
Flight delay coverage
Coverage for losses due to flight delays during international travel
Baggage loss coverage
Coverage for loss or damage to baggage during international travel
Civil liability coverage
Coverage for civil liability claims arising during travel
24/7 assistance services
Round-the-clock international assistance services for emergency situations during travel
Policy must be purchased before travel starts
The insurance policy is valid only if purchased before the start of the trip
3-day waiting period if insured is abroad
If the policyholder is abroad at the time of policy issuance, coverage does not commence until 3 days after policy issuance and premium payment
No coverage in Romania or country of residence
The insurance does not provide coverage for travel within Romania or the insured's country of permanent residence
Geographic zone selection (Europe or Worldwide)
Policyholders must select coverage zone: Europe (excluding certain Mediterranean countries) or Worldwide (excluding specific conflict zones)
Advance notification required for medical expenses above threshold
For outpatient medical treatment exceeding 200 RON, or for hospitalization, insured must contact assistance service before receiving treatment to obtain consent
Exclusion if mandatory health insurance exists in destination
Coverage is not valid in any country where the insured is required to pay mandatory health insurance
Sources
- https://online2.colonnade.ro/d-document/ro/ycXK6OKGSMUaT0D9Hig66qw@@@t0DtCX04c3RLAOp+8G9X9dUlOumskI+nwGQCVNsoFSa4pqYHdL1YFtIsJ0dj5iP2B4QulmhPTQZGl2HtuSpl+SCBai963be7mRph9K8z/211/ipid.pdf
- https://www.colonnade.ro/cdn/65b2eb68-cf8e-0106-94e7-7fcbfbaa6c5e/d33fc32d-6dcc-43cd-b55f-2285d65b2abc/IDD%20CARD_Asigurare%20Calatorie%20Internationala.pdf
- https://www.colonnade.ro/faq
- https://www.colonnade.ro/persoane-fizice/asigurare-de-calatorie/calatorie-internationala