GARANTA ASIGURARI SA
Garanta
Garanta is a travel insurance for the Romania market with no online purchase and 24/7 assistance.
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.
Geographic scope
International travel; excludes Romania
Three selectable zones: Europa (geographic Europe including Russia, Mediterranean Countries and Islands, Jordan, Canary Islands, Madeira); Whole World except USA & Canada; Whole World including USA & Canada
Unique selling points
- Three selectable geographic coverage zones allow tailored protection for Europe-only trips or 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
Medical expenses
Covered
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. Specific coverage limits were not found in publicly available official sources.
Emergency medical treatment
Covered
Financial protection for medical assistance expenses due to insured risks during travel abroad. Specific monetary limit not found in official public sources.
Hospitalization
Covered
Included within the medical assistance coverage of the Garanta Explorer product. Specific sublimit not found in official public sources.
Outpatient treatment
Covered
Included within the medical assistance coverage of the Garanta Explorer product. Specific sublimit not found in official public sources.
Emergency dental
Covered
Emergency dental treatment is listed as part of the medical assistance coverage in the Garanta Explorer product description. Specific sublimit not found in official public sources.
Medical transport
Covered
Garanta Explorer explicitly covers transport expenses related to medical assistance during the trip. Specific monetary limit not found in official public sources.
Medical evacuation
Covered
Medical evacuation is part of the transport coverage within Garanta Explorer's medical assistance scope. Specific monetary limit not found in official public sources.
Repatriation of remains
Covered
Repatriation of remains is commonly included in the transport coverage of Garanta Explorer's medical assistance scope. Specific monetary limit not found in official public sources.
Search and rescue
Not offered
Not explicitly confirmed or excluded in available official Garanta Explorer public sources. Specific coverage and limits not found.
COVID-19 treatment
Not offered
Not explicitly confirmed or excluded in available official Garanta Explorer public sources. Specific coverage and limits not found.
Pre-existing conditions
Excluded
Pre-existing / chronic conditions are not explicitly covered in the standard Garanta Explorer product as stated in public sources. No specific coverage or sublimit found for pre-existing conditions in available official documents.
Winter sports cover
Optional
Garanta Explorer offers specialized covers for specific activities beyond the standard package. Whether winter sports is included as a specialized cover is referenced but specific details and limits not found in official public sources.
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.
Pregnancy complications
Not offered
Not explicitly confirmed or excluded in available official Garanta Explorer public sources. Specific coverage and limits not found.
Personal liability
Not offered
Not explicitly confirmed or excluded in available official Garanta Explorer public sources. Specific coverage and limits not found.
Legal assistance
Not offered
Not explicitly confirmed or excluded in available official Garanta Explorer public sources. Specific coverage and limits not found.
24/7 assistance
Covered
In the event of an insured event, contact the international assistance collaborator by phone +40-317.30.99.53, available 24/7.
Key conditions
Assistance call deadline
In the event of an insured event abroad, the insured must contact the 24/7 international assistance line at +40-317.30.99.53 as soon as possible before or immediately after seeking medical treatment.
Unauthorized treatment
Failure to notify the international assistance company before seeking medical treatment may affect the reimbursement of medical expenses. Specific penalties not detailed in available public sources.
Purchase while abroad
The insurance contract must be concluded before departure from Romania. Coverage does not apply to risks occurring in Romania.
Chronic conditions
Chronic diseases and pre-existing conditions are generally not covered under the standard Garanta Explorer product. Specific conditions and any exceptions are not detailed in available public sources.
Pregnancy
Pregnancy coverage conditions not explicitly stated in available official public sources for Garanta Explorer.
Pre-existing condition exclusions
Pre-existing conditions are not covered in the standard Garanta Explorer policy. Specific exclusion clauses are not detailed in available public sources.
Coverage duration limit
The travel period cannot exceed 60 days per trip.
Policy specifics
Maximum travel duration per trip
Travel period cannot exceed 60 days per trip
Insured person residency
Individuals must have permanent residence in Romania
Coverage excludes Romania
The insurance contract does not cover risks occurring within Romania
Available geographic coverage zones
Multiple destination packages: Europa (including Russia, Mediterranean countries); Whole World except USA & Canada; Whole World including USA & Canada
Medical assistance coverage
Coverage includes medical assistance and related transport expenses
Contract conclusion timing
Insurance contract must be concluded before departure; does not cover incidents 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