Euroins Romania Asigurare-Reasigurare SA
Euroins
Euroins is a travel insurance for the Romania market with online purchase and 24/7 assistance.
Direct payment
Assistance cases are resolved within policy limits, mostly without direct financial involvement of the insured. The insurer coordinates directly with the assistance provider (CORIS ASSISTANCE or NOVA ASSISTANCE) for covered services.
Geographic scope
Romania and abroad (international travel)
Worldwide travel coverage; domestic Romania travel available under Standard plan with special Romania clause
Starting price
RON 13
Unique selling points
- 24/7 Romanian-language assistance provided by two partner networks (CORIS ASSISTANCE and NOVA ASSISTANCE), with cases handled directly by the insurer with minimal out-of-pocket cost to the insured.
- Four selectable plan tiers (STANDARD, PREMIUM, ADVENTURE, EXTRA) catering to all types of travel — from budget holidays to extreme sports and adventure activities.
- COVID-19 and pandemic-related medical emergencies explicitly covered on all plan tiers (up to 10% of the insured sum), without requiring a separate add-on.
- Domestic Romania travel option: the Standard plan can be extended with a special Romania clause granting access to Euroins' network of private partner clinics for travel within Romania.
- Policies are available online with instant issuance, covering individuals and legal entities, for single trips or annual multi-trip travel.
Coverage limits
Emergency medical expenses
Covered
Coverage for emergency medical expenses in case of accidents or illnesses during travel abroad or in Romania, including pandemic risks (e.g. COVID-19). Specific coverage amounts vary by plan tier (STANDARD, PREMIUM, ADVENTURE, EXTRA) but exact per-tier limits could not be retrieved from the verified PDF sources.
Emergency medical treatment
Covered
Emergency medical assistance up to stabilization of the patient's condition following an accident or illness, covered within the insured sum of the chosen plan. Exact per-tier limits not retrievable from verified PDFs.
Hospitalization
Not offered
Hospitalization costs are included within the overall emergency medical expenses coverage. Specific sub-limits per plan tier not found in verified PDF sources.
Outpatient treatment
Not offered
Outpatient emergency treatment is included within the overall medical expenses coverage. Specific sub-limits not found in verified PDF sources.
Emergency dental treatment
Covered
Emergency dental treatment is included in the policy. Specific coverage limits per plan tier not retrievable from verified PDF sources.
Medical transport
Covered
Medical transport (ambulance/emergency transport) is included. Specific coverage limits per plan not retrievable from verified PDF sources.
Medical evacuation
Covered
Medical evacuation is covered as part of the assistance and medical expenses policy. Specific limits per plan tier not retrievable from verified PDF sources.
Repatriation of remains
Covered
Repatriation expenses (medical or in case of death) are included in the coverage. Specific limits per plan tier not retrievable from verified PDF sources.
Search and rescue
Covered
Search and rescue expenses are included in the coverage per the official product description. Specific limits per plan tier not retrievable from verified PDF sources.
COVID-19 / pandemic medical treatment
Covered
Emergency medical assistance for illnesses caused by pandemic risks (including COVID-19) is covered at a maximum of 10% of the insured sum chosen for the policy. This limit applies across all plan tiers.
Pre-existing conditions
Conditional
Pre-existing or chronic conditions are generally not covered. Emergency medical assistance for acute flare-ups of pre-existing/chronic conditions may be included with specific limits, but exact amounts per plan tier not retrievable from verified PDF sources.
Winter sports cover
Optional
Winter sports coverage is available as part of higher-tier plans (ADVENTURE and above). Exact limits not retrievable from verified PDF sources.
Adventure / extreme sports cover
Optional
Adventure and extreme sports coverage is available under the ADVENTURE and EXTRA plan tiers, designed for practitioners of high-risk activities. Exact limits not retrievable from verified PDF sources.
Pregnancy complications
Not offered
Coverage for pregnancy complications not explicitly detailed in retrieved sources. Emergency medical treatment for urgent unforeseen complications may be covered within the general medical expenses limit. Specific conditions not retrievable from verified PDF sources.
Personal liability
Optional
Personal civil liability coverage toward third parties is available within higher-tier plans. Specific limits per plan tier not retrievable from verified PDF sources.
Legal assistance
Not offered
Legal assistance is not mentioned as a covered benefit in the official product sources for this travel medical product line.
24/7 assistance
Covered
24/7 assistance is provided in the Romanian language through partner assistance providers CORIS ASSISTANCE or NOVA ASSISTANCE. Cases are resolved within policy limits, mostly without direct financial involvement of the insured.
Key conditions
Assistance call deadline
The insured must contact the 24/7 assistance provider (CORIS ASSISTANCE or NOVA ASSISTANCE) before or as soon as possible after seeking medical treatment. Treatment obtained without contacting the assistance provider may not be reimbursed.
Unauthorized treatment
Medical expenses incurred without prior authorization from the assistance provider may not be covered or may be subject to reduced reimbursement.
Purchase while abroad
The policy must generally be purchased before departure. Specific conditions for purchase while already abroad are defined in the policy terms and conditions.
Chronic conditions
Chronic and pre-existing diseases are generally excluded. Emergency medical assistance for acute flare-ups may be covered up to a specific sub-limit depending on the plan tier.
Pregnancy
Coverage for pregnancy complications is not explicitly detailed in available sources. Emergency treatment for unforeseen urgent complications may be included in general medical coverage. Refer to the specific plan's terms and conditions for full details.
Pre-existing condition exclusions
Pre-existing conditions are generally excluded from coverage. Emergency medical assistance for acute exacerbations of pre-existing or chronic conditions may be covered up to a specific sub-limit per plan, as confirmed by the product description.
Coverage duration limit
The policy covers travel for the duration specified in the policy. Multi-trip (annual) policies are available with a maximum consecutive trip duration limit per journey, as specified in the plan terms.
Policy specifics
Emergency medical expenses
Coverage for emergency medical expenses in case of accidents or illnesses during travel abroad or in Romania, including pandemic risks
Emergency dental treatment
Coverage for emergency dental treatments during travel
Repatriation expenses
Coverage for repatriation costs in case of medical emergency or death
Search and rescue expenses
Coverage for search and rescue expenses during travel
Plan variants available
The product offers four distinct plan variants: STANDARD, PREMIUM, ADVENTURE, and EXTRA, each with different coverage levels and premium costs
Romania travel clause option
For domestic travel within Romania only, the Standard plan can be purchased with a special Romania clause providing access to a network of private medical clinics partnered with Euroins
24/7 assistance services
Assistance services available 24 hours a day, 7 days a week in Romanian language through CORIS ASSISTANCE or NOVA ASSISTANCE providers