Pending review

Garanta Travel insurance (Garanta Explorer)

Underwritten by Garanta Asigurări S.A. · Romania

travel insurance from Garanta for the Romania market, with 24/7 assistance.

Last verified Aug 12, 2026

24/7 helpline

Unique selling points

Three geographic coverage zones, each bundled with a package tier (Basic = Europa, Extra = Whole World except USA & Canada, Premium = Whole World including USA & Canada), allow tailored protection from Europe-only trips to worldwide travel including the USA and Canada.

24/7 international assistance available via a dedicated phone line (+40-317.30.99.53) throughout the entire trip abroad.

Specialized "Explorer" covers available beyond the standard package for travelers with more demanding itineraries or activities.

Coverage designed exclusively for Romanian residents traveling abroad, with policies issued before departure for immediate cross-border protection.

Coverage limits

Covered

Medical expenses

€15K – €50K

Garanta Explorer covers medical assistance and related transport expenses incurred due to an insured risk occurring during the trip abroad, according to the selected package. Medical expenses (outpatient and hospitalization) are included in all packages, subject to the maximum insured amount: 15,000 EUR (Basic), 30,000 EUR (Extra), 50,000 EUR (Premium).

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance

Maximum Insured Amount 15.000 € 30.000 € 50.000 €

Covered

Emergency medical treatment

€15K – €50K

Emergency medical treatment forms part of the medical expenses coverage included in all packages, subject to the maximum insured amount: 15,000 EUR (Basic), 30,000 EUR (Extra), 50,000 EUR (Premium).

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance

Maximum Insured Amount 15.000 € 30.000 € 50.000 €

Covered

Hospitalization

€15K – €50K

Hospitalization is included within the medical expenses coverage in all packages, subject to the maximum insured amount: 15,000 EUR (Basic), 30,000 EUR (Extra), 50,000 EUR (Premium).

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance

Maximum Insured Amount 15.000 € 30.000 € 50.000 €

Covered

Outpatient treatment

€15K – €50K

Outpatient treatment is included within the medical expenses coverage in all packages, subject to the maximum insured amount: 15,000 EUR (Basic), 30,000 EUR (Extra), 50,000 EUR (Premium).

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance

Maximum Insured Amount 15.000 € 30.000 € 50.000 €

Covered

Emergency dental

€150 – €350

Emergency dental treatment is covered up to 150 EUR (Basic), 250 EUR (Extra) and 350 EUR (Premium).

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance

Emergency dental treatment 150 € 250 € 350 €

Covered

Medical transport

€15K – €50K

Medical transport costs are covered as part of the medical assistance benefit included in all packages, subject to the maximum insured amount: 15,000 EUR (Basic), 30,000 EUR (Extra), 50,000 EUR (Premium).

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance

Maximum Insured Amount 15.000 € 30.000 € 50.000 €

Covered

Medical evacuation

€15K – €50K

Medical evacuation is included under the 'Repatriation' line in all packages (Basic, Extra, Premium), subject to the maximum insured amount: 15,000 EUR (Basic), 30,000 EUR (Extra), 50,000 EUR (Premium).

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance

Maximum Insured Amount 15.000 € 30.000 € 50.000 €

Covered

Repatriation of remains

Covered

Body repatriation is included in all packages (Basic, Extra, Premium), subject to the maximum insured amount.

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance

Body Repatriation Z Z Z

Optional

Search and rescue

€10K

Search and rescue costs are covered under the optional Winter Sports Package, up to 10,000 EUR, when amateur winter sports (ski, snowboarding and others) are selected; not a standard inclusion.

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance > WINTER SPORTS PACKAGE

Search and rescue costs 10.000 €

Covered

COVID-19 treatment

Covered

No limit stated

Not explicitly confirmed or excluded in available official Garanta Explorer public sources. Specific coverage and limits not found.

Covered

Pre-existing conditions

Covered

No limit stated

Not explicitly confirmed or excluded in available official Garanta Explorer public sources. Specific coverage and limits not found.

Optional

Winter sports cover

Optional

Optional Winter Sports Package covering amateur practice of winter sports (ski, snowboarding and others): search and rescue costs up to 10,000 EUR; reimbursement of ski pass costs up to 250 EUR; benefit in case of closure of ski slopes of 20 EUR/day/person (max 200 EUR); reimbursement of ski equipment rental costs of 20 EUR/day/person (max 200 EUR).

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance > WINTER SPORTS PACKAGE

Amateur practice of winter sports (ski, snowboarding and others) Z Search and rescue costs 10.000 € Reimbursement of costs of a ski pass 250 € Benefit in case of closure of ski slopes 20 €/day/person (max 200 €) Reimbursement of costs of ski equipment rental 20 €/day/person (max 200 €)

Optional

Adventure sports cover

Optional

Garanta Explorer mentions specialized covers available beyond the standard package for those who are "more than a regular explorer". Specific adventure sports coverage details and limits not found in official public sources.

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance

More than a regular explorer? Apply for the specialized covers!

Covered

Pregnancy complications

Covered

No limit stated

Not explicitly confirmed or excluded in available official Garanta Explorer public sources. Specific coverage and limits not found.

Covered

Personal liability

€1K – €5K

Personal liability cover is not included in the Basic package. It is included up to 1,000 EUR in the Extra package and up to 5,000 EUR in the Premium package.

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance

Personal Liability V 1.000 € 5.000 €

Covered

Legal assistance

Covered

No limit stated

Not explicitly confirmed or excluded in available official Garanta Explorer public sources. Specific coverage and limits not found.

Covered

24/7 assistance

unlimited

In the event of an insured event, contact the international assistance collaborator by phone +40-317.30.99.53, available 24/7.

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance > CORIS Assistance SRL

In case of occurrence of one of the insured events, contact our international collaborator by phone +40-317.30.99.53, available 24/7

Covered

Baggage loss or damage

€500

Baggage loss or damage is covered up to 500 EUR under the Extra and Premium packages; not included in the Basic package.

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance

Baggage loss or damage V 500 € 500 €

Covered

Baggage delay

€150

Baggage delay of more than 6 hours is covered up to 150 EUR under the Extra and Premium packages; not included in the Basic package.

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance

Baggage delay V 150 € (more than 6h delay) 150 € (more than 6h delay)

Covered

Flight delay

€150

Flight delay of more than 6 hours is covered up to 150 EUR under the Extra and Premium packages; not included in the Basic package.

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance

Flight delay V 150 € (more than 6h delay) 150 € (more than 6h delay)

Covered

Loss of documents

€250

Loss of documents is covered up to 250 EUR under the Premium package only; not included in Basic or Extra.

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance

Loss of documents V V 250 €

Covered

Trip curtailment

€1K

Trip curtailment is covered up to 1,000 EUR under the Premium package only; not included in Basic or Extra.

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance

Curtailment V V 1.000 €

Optional

Trip cancellation

€1K

Optional Trip Cancellation cover (including flight tickets) reimburses up to 1,000 EUR per person; available as a separate specialized cover beyond the standard package.

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance > TRIP CANCELLATION

Trip Cancellation (including flight tickets) 1.000 € / person

Key conditions

Assistance call deadline

In the event of an insured event abroad, contact the international assistance collaborator (CORIS Assistance SRL) by phone at +40-317.30.99.53, available 24/7.

Source

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance > CORIS Assistance SRL

In case of occurrence of one of the insured events, contact our international collaborator by phone +40-317.30.99.53, available 24/7

Unauthorized treatment

The official product pages state only that, in case of an insured event, the insured should contact the international assistance collaborator (CORIS Assistance SRL) by phone, available 24/7; no specific penalty for not notifying before treatment is stated in available public sources.

Source

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance > CORIS Assistance SRL

In case of occurrence of one of the insured events, contact our international collaborator by phone +40-317.30.99.53, available 24/7

Purchase while abroad

The insurance contract must be concluded before departure from Romania. Coverage does not apply to risks occurring in Romania.

Chronic conditions

Not explicitly stated in available official public sources whether chronic diseases are covered or excluded under the standard Garanta Explorer policy.

Pregnancy

Pregnancy coverage conditions not explicitly stated in available official public sources for Garanta Explorer.

Pre-existing condition exclusions

Not explicitly stated in available official public sources whether pre-existing conditions are covered or excluded under the standard Garanta Explorer policy.

Coverage duration limit

The travel period cannot exceed 60 days per trip.

Direct payment

In the event of an insured event abroad, the insured must contact the international assistance collaborator at +40-317.30.99.53 (available 24/7). The assistance company coordinates medical care and payments. If the insured pays out-of-pocket, reimbursement may be requested subject to policy conditions.

Territorial scope

Each package comes with a specific coverage zone: Basic = Europa (geographic Europe including Russia, Mediterranean Countries and Islands, Jordan, Canary Islands, Madeira); Extra = Whole World except USA & Canada; Premium = Whole World including USA & Canada.

Documents

Policy specifics

Maximum travel duration per trip

Travel period cannot exceed 60 days per trip

Source

Section: Asigurarea de calatorie GARANTA EXPLORER > Durata calatoriei

Durata maxima a unei calatorii: 60 zile.

Insured person residency

Individuals must have permanent residence in Romania

Source

Section: Asigurarea de calatorie GARANTA EXPLORER > Cui se adreseaza?

Persoanelor cu resedinta permanenta in Romania.

Coverage excludes Romania

The insurance contract does not cover risks occurring within Romania

Source

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance > Territorial Coverage

The insurance contract is concluded before the departure only and it doesn’t cover the risks occurred in Romania.

Available geographic coverage zones

Multiple destination packages: Europa (including Russia, Mediterranean countries); Whole World except USA & Canada; Whole World including USA & Canada

Source

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance > Territorial Coverage

Europa: the whole geographic Europe, including Russia, Mediterranean Countries and Islands* (Morocco, Algeria, Tunisia, Libya, Egypt, Turkey, Cyprus, Malta), Jordan, Canary Islands and Madeira Island. Whole World except USA & Canada: All countries of the world, except USA and Canada. Whole World including USA & Canada: All countries of the world, including USA and Canada.

Medical assistance coverage

Coverage includes medical assistance and related transport expenses

Source

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance > Insured risks

Garanta Explorer offers you financial protection covering the subsequent expenses (i.e. medical assistance, transport and other types of eventual necessary expenses) due to the occurrence of one of the insured risks during your trip, according to the selected package.

Contract conclusion timing

Insurance contract must be concluded before departure; does not cover incidents in Romania

Source

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance > Territorial Coverage

The insurance contract is concluded before the departure only and it doesn’t cover the risks occurred in Romania.

24/7 emergency assistance contact

In case of insured event, contact international collaborator by phone +40-317.30.99.53 available 24/7

Source

Section: GARANTA EXPLORER – TRAVEL HEALTH insurance > CORIS Assistance SRL

In case of occurrence of one of the insured events, contact our international collaborator by phone +40-317.30.99.53, available 24/7