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| Feature / category | Allianz My Travel May 5, 2026 Open details | ASIROM May 5, 2026 Open details | Generali May 5, 2026 Open details | GRAWE May 5, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | Allianz-Țiriac Asigurări S.A. | Asigurarea Romaneasca - ASIROM Vienna Insurance Group SA | Generali Romania Asigurare Reasigurare S.A. | Grawe România Asigurare S.A. |
Online purchase | Yes | Yes | Yes | No |
24/7 helpline | Yes | Yes | Yes | Yes |
Billing basis | per_trip | per_trip | per_trip | per_trip |
Unique selling points |
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IPID | IPID | IPID | IPID | IPID |
Terms & conditions | Not available | |||
| Coverage | ||||
Medical expenses | €30,000 – €50,000 | €30,000 – €100,000 | €50,000 | €20,000 – €60,000 |
Medical transport | €5,000 | Covered | €50,000 | Covered |
COVID-19 treatment | Medical expenses and repatriation costs related to COVID-19 illness are covered within the main medical expenses sum insured, provided these are not generated on the territory of the USA or Canada. Coverage applies if the state of emergency is declared after the insured has already entered the destination country. | Excluded | €500 | Events resulting from epidemics or pandemics are excluded unless they fall within the coverage conditions. COVID-19 treatment may be covered only if it meets the standard acute illness coverage criteria. |
Personal liability | Optional | Optional | Optional | Not offered |
Emergency dental | €300 | Emergency dental treatment awarded as a result of an accident or acute crisis, necessary for pain relief only. Covered under both Simplu and Sigur packages up to a maximum of 150 EUR (limit stated in Arosan Forte; Easy Travel T&C references the same coverage but does not state a separate sublimit explicitly — 150 EUR limit sourced from Arosan Forte conditions which share the same structure). | €150 | €500 |
Search & rescue | €5,000 | Covered | Covered | Not offered |
Legal assistance | Covered | Excluded | Excluded | Not offered |
Emergency medical treatment | €30,000 – €50,000 | €30,000 – €100,000 | €50,000 | €20,000 – €60,000 |
Hospitalization | €30,000 – €50,000 | Covered | €50,000 | €20,000 – €60,000 |
Outpatient treatment | €30,000 – €50,000 | Covered | €50,000 | €20,000 – €60,000 |
Medical evacuation | €10,000 | Covered | €50,000 | Covered |
Repatriation of remains | €10,000 | Covered | €50,000 | Covered |
Pre existing conditions | Medical expenses resulting from an acute exacerbation of a pre-existing condition or chronic disease are covered up to a sub-limit of EUR 2,000 (for single trip insurance). For annual multi-trip insurance, the sub-limit is EUR 2,000. Routine management of chronic diseases and pre-existing conditions is excluded. Coverage is strictly limited to emergency measures for the acute episode. | Pre-existing conditions (any illness diagnosed, treated or whose symptoms appeared before policy inception) are generally excluded. Exceptionally, emergency medical costs for saving the insured's life in the event of an acute episode (puseu acut) of a pre-existing or chronic condition are covered. Acute episodes of pre-existing conditions involving pregnancy complications before week 28 (or week 24 for multiple pregnancies) are also covered on an exceptional basis. | Pre-existing conditions and their consequences are generally excluded. Exception: if medical assistance during travel abroad involves emergency measures to save the insured's life or measures aimed at relieving acute pain, these are covered up to a maximum of 1,000 EUR. Medications or treatments known or prescribed before the trip are excluded. Relapses of conditions under treatment that have been the subject of a previous claim are excluded. | Excluded |
Winter sports cover | Optional | Optional | Optional | Not offered |
Adventure sports cover | Optional | Optional | Optional | Excluded |
Pregnancy complications | Medical expenses related to childbirth, pregnancy-specific treatments and check-ups are excluded. However, in the event of acute complications arising in the first 30 weeks of pregnancy (single) or first 24 weeks (multiple pregnancy, per MyTRAVELS T&C), Allianz-Țiriac will cover expenses strictly related to medical procedures to save the life of the mother and/or child. The Ghid de beneficii (My Travel) specifies the first 30 weeks of pregnancy. | Pregnancy, childbirth, abortion and maternity are generally excluded. Exceptionally, emergency medical costs for saving the life of the mother and child arising from accidents or unforeseen complications before week 28 of pregnancy (or week 24 for a known multiple pregnancy) are covered. | Pregnancy up to 26 weeks: only pathological situations (illness) related to the pregnancy state are covered. Pregnancy over 26 weeks, childbirth, voluntary termination of pregnancy: explicitly excluded. Medical impossibility to travel due to pregnancy up to 26 weeks is a covered risk under the optional Trip Cancellation (STORNO) clause if detected during the insurance validity period. | Not offered |
| Key conditions | ||||
Assistance call deadline | The insured must contact the assistance company immediately upon occurrence of an insured event, but no later than 48 hours from the event or from becoming aware of it. If unable to do so, a third party (relative, friend, medical professional) must notify. If the standard procedure is not followed, the event may be reported to Allianz-Țiriac within 5 business days of return to the country, with written explanation of why the standard procedure was not followed. | The insured must contact the assistance center (Global Assistance Services SRL, tel. 021.9146 or 0374 241 800, email info@asirom.ro) within the contractually prescribed time limit and before incurring any medical expenses. In a genuine medical emergency where prior contact was impossible, retrospective notification is accepted up to 48 hours after the event. Failure to notify may result in reduction or denial of claims. | The insured must notify the Assistance Company (Europ Assistance) as soon as possible and before receiving medical services or arranging repatriation transport. If Generali/Assistance Company is not notified prior to medical services and no documents justify the delay in notification, Generali will pay medical and transport expenses up to a maximum of 1,500 EUR. The insured has up to 3 months from the event date to submit a reimbursement request if they paid without notifying the Assistance Company. | The insured must notify the insurer of any claim immediately after the event and follow the insurer's instructions. Failure to comply intentionally or through fault releases the insurer from its payment obligation. |
Purchase while abroad | Insurance contracts cannot be concluded and no extensions of issued policies can be made for persons who are abroad at the time of the request. If the insured is not on Romanian territory at the time of contract conclusion, coverage begins after 7 calendar days calculated from the day following policy issuance and premium payment. In this case, cancellation coverage (Storno) is not available. | The insurance contract must be concluded before departure from Romania. Coverage is valid only for events occurring outside Romania and starts when the insured crosses the Romanian border. It is not possible to conclude a valid policy after departure. | The insurance policy must be concluded on Romanian territory and before the start of foreign travel. Exception: Generali accepts policy issuance for persons temporarily outside Romania only if the insured purchases a travel package for a future trip unrelated to the current trip, the policy is issued on the same day as the purchase of the travel package, and the premium is paid in full at policy issuance. If the insured is abroad at the time of policy issuance, coverage begins after an 8-calendar-day waiting period. No compensation is paid if the policy was issued after the insured left Romania or the premium was paid after leaving Romania (except per Art. 3.2). | The policy must be purchased and coverage must begin before departure. Coverage starts on the date stated in the policy (or later per conditions), but not earlier than the day following premium payment if the insurer has accepted the contract. |
Chronic conditions | Chronic diseases and pre-existing conditions are generally excluded. However, medical expenses resulting from an acute exacerbation (puseu acut) of a pre-existing condition or chronic disease are covered up to a sub-limit of EUR 2,000. Coverage is strictly limited to emergency measures necessary to save the insured's life or prevent irreversible organ damage. | Chronic diseases are generally excluded. Exceptionally, emergency medical expenses for life-saving treatment during an acute episode (puseu acut) of a chronic condition are covered, provided the event occurred during the policy's validity. Standard treatment continuation for chronic conditions is not covered. | Chronic medical conditions (known conditions with long evolution or frequent relapses requiring specialized medical care, such as diabetes, chronic hepatitis, cardiac insufficiency, rheumatoid arthritis, etc., including conditions favored by excessive alcohol consumption, toxic substances, narcotics, or smoking) are generally excluded. Emergency life-saving measures and acute pain relief for such conditions are covered up to 1,000 EUR. | Pre-existing conditions and illnesses existing before the contract was concluded are explicitly excluded from coverage. |
Pregnancy | Medical expenses related to childbirth, pregnancy-specific treatments and check-ups are excluded. Exception: acute complications arising before the 30th week of pregnancy (Ghid de beneficii) are covered for strictly the medical procedures necessary to save the life of the mother and/or child. | Pregnancy, childbirth, abortion and maternity are generally excluded from coverage. Emergency medical expenses for life-saving treatment of the mother and child arising from accidents or unforeseeable complications are covered on an exceptional basis up to week 28 of a single pregnancy or week 24 of a known multiple pregnancy. | Pregnancy over 26 weeks, childbirth, voluntary termination of pregnancy, and therapeutic abortion are excluded. For pregnancy under 26 weeks, only pathological situations (illness) related to the pregnancy are covered. Medical impossibility to travel due to pregnancy up to 26 weeks qualifies as an insured risk under the optional Trip Cancellation (STORNO) clause if detected during the period from policy issuance to departure. | Pregnancy complications are not mentioned as a covered benefit in available sources. Standard illness exclusions apply. |
Unauthorized treatment | Allianz-Țiriac reserves the right to refuse or adjust payment of claims if the insured, in case of an insured event, did not consult and obtain the approval of the assistance company or Allianz-Țiriac, or if supporting documents for medical assistance received were not made available in original. Repatriation expenses incurred without prior approval are not reimbursed, except where delay would endanger the insured's life or health. | Medical expenses incurred without prior approval from the assistance center are not covered, unless the insured demonstrates a genuine emergency that prevented advance notification. Transfers between medical units without the assistance center's consent are also excluded. ASIROM may refuse all payments if failure to notify prevented determination of the cause and quantum of the insured event. | Medical services used without the prior consent of Generali through the Assistance Company are compensated by Generali up to a maximum of 1,500 EUR. The insured must follow the procedure indicated by the Assistance Company; Generali will not pay compensation if the insured does not comply with the Assistance Company's procedure, doctor's instructions, or prescribed treatment. | Medical treatments that are the sole or primary reason for travel are not covered. Treatments whose necessity was known before the start of the trip are also excluded. Non-compliance with insurer instructions may result in loss of coverage. |
Pre existing conditions | Pre-existing conditions and their consequences are excluded from coverage. Exception applies for acute exacerbations (puseu acut), covered up to EUR 2,000 sub-limit for single trip insurance. The exclusion also applies to other medical procedures or accidents occurring before the start of the insured period and their consequences. | Pre-existing conditions (any illness diagnosed, treated, or whose symptoms manifested before policy inception) are excluded. Only acute episodes of pre-existing conditions requiring life-saving intervention are covered on an exceptional basis. Non-disclosure of pre-existing conditions during the application process may render the policy void or result in partial claim denial. Changes to health status during the policy period must be reported in writing as soon as possible. | Pre-existing conditions (any injury, illness, serious illness or consequences thereof, or any pathological manifestation resulting from an illness or accident that occurred before the policy entry into force date, regardless of whether treatment was administered, for which the insured was diagnosed, received or followed treatment or medical services, was aware of, or presented signs/symptoms noted in medical documents) are excluded. Exception: emergency life-saving measures and acute pain relief during foreign travel are covered up to 1,000 EUR. | Events that had already occurred at the start of the trip or were foreseeable, and illnesses existing before the contract was concluded, are explicitly excluded from coverage. |
Coverage duration limit | For annual multi-trip insurance, Allianz-Țiriac reimburses the costs of insured risks occurring in the first 25 days of each stay abroad. For single-trip insurance, the maximum trip duration is 365 days. Cancellation/interruption (Storno) coverage cannot be attached to annual multi-trip policies. The policy covers events produced during the insured trip, not after return to Romania or country of residence. | The insurance can be concluded for a minimum of 2 days and a maximum of 365 days per trip. A Multi-Trip (annual) option is available. For Business/Multi-Trip policies issued to legal entities, maximum cumulative duration per year is 90 days, with a maximum of 30 days per individual trip. Hospitalization coverage extends to a maximum of 10 days per insured event; ASIROM may extend obligations beyond policy expiry up to the point of repatriation, but not more than 10 days after policy expiry, where the event occurred within the validity period. | The insurance period cannot be less than 3 days or more than 1 year. For policies with an insurance period exceeding 120 days, coverage is limited to a maximum of 120 consecutive days for each trip made during the insurance period (except for work/study trips where coverage is continuous for the entire insured period up to 365/366 days). Post-expiry coverage is limited to a maximum of 4 days for ongoing inpatient hospitalization emergencies at 500 EUR/day/insured. | Coverage is valid for the duration stated in the policy. The contract ends on the date inscribed in the contract or earlier in cases provided by the insurance conditions. Premium is paid in advance and in full for each insurance period. |
| Proof and next steps | ||||
Direct payment policy | Medical expenses reported to the assistance company are paid directly by the assistance company on behalf of Allianz-Țiriac. If the insured pays out of pocket, Allianz-Țiriac reimburses based on original documents submitted. Repatriation expenses not pre-approved by Allianz-Țiriac are not reimbursed except in life-threatening situations. | ASIROM pays medical and service costs directly to providers within 40 calendar days from the date medical assistance was provided or the date of hospital discharge, provided the insured contacted the assistance center (Global Assistance Services SRL) before incurring expenses. Where the insured paid out-of-pocket due to emergency, reimbursement is available upon submission of claims documents within 5 calendar days of the insured event or return to Romania. | Medical expenses are paid directly by the Assistance Company (Europ Assistance) on behalf of Generali to the foreign medical provider when the insured notifies the event. If the insured paid out-of-pocket after notifying the Assistance Company, reimbursement is made upon return to Romania based on the claims file. If the Assistance Company was not informed prior to medical services, Generali will pay up to a maximum of 1,500 EUR. | Medical expenses are reimbursed by the insurer up to the insured sum. Direct payment to medical providers is coordinated through the Mondial Assistance partner network. |
Last verified | May 5, 2026 | May 5, 2026 | May 5, 2026 | May 5, 2026 |