Travel insurance
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| Feature / category | Allianz My Travel May 5, 2026 Open details | Omniasig Medicas Perfect May 5, 2026 Open details | Groupama May 5, 2026 Open details | ASIROM May 5, 2026 Open details |
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| Overview | ||||
Insurer | Allianz Deutschland AG | OMNIASIG Vienna Insurance Group S.A. | Groupama Asigurari S.A. | Asigurarea Romaneasca - ASIROM Vienna Insurance Group SA |
Online purchase | Yes | Yes | Yes | Yes |
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 | Not available | IPID |
Terms & conditions | ||||
| Coverage | ||||
Medical expenses | €30,000 – €50,000 | €5,000 – €50,000 | €10,000 – €50,000 | €30,000 – €100,000 |
Medical transport | €5,000 | €5,000 – €50,000 | Covered | 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. | COVID-19 is not explicitly mentioned as an exclusion in the Medicas Perfect general conditions. Emergency medical treatment for acute illness arising during the trip would fall under the general emergency medical coverage, subject to the standard exclusions (e.g., epidemics declared prior to the insured's arrival are excluded under some policy versions). | Excluded | Excluded |
Personal liability | Optional | Excluded | Covers accidental prejudices caused to third parties (bodily injury, death, or material damage) and civil lawsuit costs arising from the insured's tort liability during travel abroad. Package A: not covered. Package B: up to 2,000 EUR. Package C: up to 5,000 EUR. Requires third-party claims within the legal statute of limitations and immediate notification to the insurer. Extensive exclusions apply (deliberate acts, family members, professional activities, vehicles, etc.). | Optional |
Emergency dental | €300 | €110 – €300 | €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). |
Search & rescue | €5,000 | Excluded | Excluded | Covered |
Legal assistance | Covered | Excluded | Excluded | Excluded |
Emergency medical treatment | €30,000 – €50,000 | €5,000 – €50,000 | €10,000 – €50,000 | €30,000 – €100,000 |
Hospitalization | €30,000 – €50,000 | €5,000 – €50,000 | €10,000 – €50,000 | Covered |
Outpatient treatment | €30,000 – €50,000 | €5,000 – €50,000 | €10,000 – €50,000 | Covered |
Medical evacuation | €10,000 | €5,000 – €50,000 | €10,000 | Covered |
Repatriation of remains | €10,000 | €1,000 – €2,000 | €5,000 – €10,000 | 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 and pathological states existing before the trip are generally excluded. However, Program C covers emergency measures necessary to save the insured's life for up to 3 days from the onset of the emergency or until a sublimit of 3,000 EUR is reached (whichever comes first), excluding repatriation costs. Program D extends this to 5 days with a sublimit of 5,000 EUR (including repatriation if organized within the 5-day window). | Pre-existing medical conditions are generally excluded. By exception, the insurer covers only the first necessary service (life-saving medical assistance, acute pain relief, or medical repatriation if recommended), up to a maximum of 1,000 EUR. A pre-existing condition is defined as any disease or bodily injury diagnosed by a physician before the insurance effective date, or one that first manifested clinical symptoms before that date. | 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. |
Winter sports cover | Optional | Excluded | Optional | Optional |
Adventure sports cover | Optional | Excluded | Optional | Optional |
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, and voluntary termination of pregnancy are generally excluded. Program B and C cover evident and unforeseen complications occurring before the 28th week of pregnancy caused by accidents or illnesses covered by the insurance. Program D also covers accidents or illnesses caused by such complications before the 28th week of pregnancy. | Medical assistance for pregnancy, childbirth, abortion (including therapeutic abortion), voluntary termination of pregnancy, infertility treatment, and artificial insemination are excluded. By exception: in case of a medical emergency due to existing pregnancy or spontaneous birth, only emergency medical expenses aimed at saving the life of the mother and/or child are covered, up to a maximum of 500 EUR, and only if the first service is organised exclusively by the medical assistance company. | 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. |
| 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. | In the case of hospitalization (including surgical intervention) and/or repatriation, the insured must notify OMNIASIG ASSISTANCE within 48 hours of the insured event. For other events without hospitalization or repatriation, the insured may notify OMNIASIG within 30 days of the insured event. Notification is preferred prior to receiving medical services so that OMNIASIG ASSISTANCE can guarantee and directly cover the costs. | The insured must call the dedicated assistance number 0374.110.115 (option 1 for medical assistance, option 2 for roadside assistance) within a maximum of 48 hours of the insured event to obtain direct settlement. For reimbursement cases (insured pays out-of-pocket), documents must be submitted as soon as possible after the end of the trip. If the notification procedure is not followed and there is justification, documentation must be submitted within 30 days of the event. | 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. |
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 policy must be concluded and the insurance premium paid in full and in advance before coverage begins. The policy is not valid if the insured event occurs before the policy enters into force. Coverage begins only after full premium payment. | The insurance must be concluded before departure abroad. The insurer's liability begins only after the insured physically crosses the borders of Romania (or country of citizenship/residence). Entry into the international zone of airports does not count as border crossing. Purchase while already abroad is not permitted under the standard terms. | 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. |
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. | Illnesses or pathological conditions existing before the insured's trip, including their consequences, are generally excluded. Exception: Programs C and D include emergency life-saving measures for pre-existing conditions (Program C: up to 3 days / 3,000 EUR; Program D: up to 5 days / 5,000 EUR). | Chronic conditions (pre-existing conditions) are generally excluded. Only the first necessary service (life-saving medical assistance, acute pain relief, or recommended medical repatriation) is covered up to a maximum of 1,000 EUR. The policy recommends that insured persons with chronic conditions carry a brief medical history of their condition/treatment for use in major emergencies. | 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. |
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, and voluntary termination of pregnancy are excluded. Programs B, C, and D cover evident and unforeseen complications occurring before the 28th week of pregnancy caused by insured events (accidents or illnesses). The insured must be below the 28th week of pregnancy for coverage to apply. | Medical assistance for pregnancy, childbirth, abortion (including therapeutic abortion), voluntary termination of pregnancy, infertility treatment, and artificial insemination are excluded. Exception: emergency medical expenses for saving the life of the mother and/or child in case of medical emergency due to existing pregnancy or spontaneous birth, up to a maximum of 500 EUR, only if the first service is organised exclusively by the medical assistance company. | 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. |
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. | If the insured pays medical expenses directly without prior notification of OMNIASIG ASSISTANCE, reimbursement is limited only to those costs recognized as necessary by OMNIASIG ASSISTANCE. The insurer has the right to refuse payment if the insured fails to comply with the instructions received from OMNIASIG ASSISTANCE. | If the insured does not follow the instructions of the medical team or refuses the assistance company's recommendation for medical repatriation, the insurer may refuse to pay the insurance benefit. If the insured fails to notify within 48 hours without justification, direct settlement is forfeited; only expense reimbursement may be available upon submission of all required documents within 30 days of the event. | 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. |
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 medical conditions are excluded except for emergency life-saving measures in Programs C and D. Program C: emergency medical services up to 3 days / sublimit 3,000 EUR (no repatriation). Program D: emergency medical services up to 5 days / sublimit 5,000 EUR including repatriation if organized within the 5-day window. | Pre-existing conditions are excluded, with the sole exception of the first necessary service (life-saving medical assistance, acute pain relief, or recommended medical repatriation) covered up to 1,000 EUR maximum. A pre-existing condition is defined as any disease or injury: (a) diagnosed by a physician before the policy effective date; (b) first contracted before the effective date but not yet diagnosed; (c) whose clinical symptoms first manifested before the effective date; or (d) that showed no symptoms after treatment but presents a medical risk of relapse. | 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. |
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. | Coverage is valid for the insurance period stated in the policy specification (between 2 and 365 days). If services extend beyond the insurance period expiry, the insured benefits from continued assistance for: Program A/base: up to 7 days after expiry; Program B: up to 10 days; Program C: up to 15 days; Program D: until completion of repatriation or health recovery, whichever comes first. In the event of a stroke, emergency costs are covered for a maximum of 14 days from the date of occurrence. | Minimum coverage duration is 3 days, maximum 365 consecutive days per policy period. Coverage begins after premium payment and after the insured physically crosses the Romanian (or citizenship/residence country) border. Coverage ends at 24:00 on the policy expiry date or upon re-entering Romania (or country of citizenship/residence), whichever occurs first. If hospitalisation continues after the policy expiry, coverage extends by up to 30 days for the original event within the insured sum. The policy can cover multiple trips abroad during its validity period. | 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. |
| 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. | OMNIASIG ASSISTANCE arranges direct payment to medical service providers for covered medical expenses when the insured notifies them prior to or immediately after receiving treatment. If the insured pays directly, reimbursement is made in RON at the BNR exchange rate on the date of the insured event, based on expenses recognized by OMNIASIG ASSISTANCE. | Direct settlement available for medical emergencies when the insured calls 0374.110.115 within 48 hours of the event. The insurer, via the assistance company, pays the healthcare provider directly. If the insured pays out of pocket, reimbursement is available upon submission of supporting documents via https://avizari-online.groupama.ro/calatorie or documente@groupama.ro. | 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. |
Last verified | May 5, 2026 | May 5, 2026 | May 5, 2026 | May 5, 2026 |