Colonnade Travel insurance (Calatorii Internationale Silver Gold Platinum)

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 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 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 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 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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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.

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.