Generali
Generali is a travel insurance for the RO market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
RO
Valid outside Romania in: (a) Europe (geographic Europe including Turkey, Mediterranean islands, Jordan, Canary Islands, Madeira, Georgia); (b) Worldwide excluding USA, Canada and Israel; (c) Worldwide including USA, Canada and Israel. Not valid in countries where insured has permanent residence/domicile or citizenship, and not valid in a specific list of excluded countries (Iraq, Iran, Afghanistan, Syria, Lebanon, Burma/Myanmar, North Korea, Russian Federation, Belarus, Ukraine, Venezuela and others subject to travel warnings or embargoes).
Unique selling points
- Medical expenses covered up to 50,000 EUR for Europe and most worldwide destinations, with direct payment to foreign hospitals coordinated by Europ Assistance — no upfront payment required from the insured.
- Comprehensive high-risk and adventure sports add-on (Article 12, Annex 2) covers 65+ activities including alpine skiing, scuba diving, paragliding, bungee jumping, and mountain biking up to 4,500m altitude, as an optional rider.
- COVID-19 is explicitly covered both for emergency medical treatment and for quarantine-related accommodation/transport costs (up to 500 EUR/person) and trip cancellation, without requiring a separate rider.
- Policy can be issued online instantly for travel to Europe and worldwide destinations, with multi-trip annual coverage available and valid for an unlimited number of trips within the insured period.
- Minor children's companion hospitalization costs and transport of minor children to Romania during the insured parent's hospitalization or death abroad are covered at no additional charge within the base medical coverage.
Coverage limits
Emergency Medical Expenses
Covered
Covers emergency medical expenses (outpatient and inpatient) incurred during travel abroad due to accident or illness, including COVID-19. For Europe and Worldwide (excl. USA/Canada/Israel) up to 50,000 EUR; for Worldwide incl. USA/Canada/Israel up to 15,000 EUR. For the Turist Economic variant, up to 5,000 EUR with a 20 EUR deductible per event.
Emergency Medical Treatment (Outpatient and Inpatient)
Covered
Covers consultations, medical investigations, medical and/or surgical treatments (including osteosynthesis material costs), care, medication, monitoring and supervision in emergency ambulatory and inpatient settings, including COVID-19. Also covers day hospitalization for medico-surgical emergencies requiring medical supervision up to 12 hours.
Hospitalization
Covered
Covers inpatient hospitalization costs including specialist consultations, investigations, medical/surgical treatments, care, medication, monitoring, accommodation and meals. Generali reserves the right to pay hospitalization costs in the foreign hospital only until the patient's condition permits transfer (repatriation) to Romania. For minors up to 18 years, companion costs are covered based on hospital-issued documents.
Outpatient Treatment
Covered
Covers emergency outpatient medical assistance including consultations, medical investigations, treatments/measures necessary to save the insured's life and improve clinical condition, including COVID-19. Covered within the overall insured sum.
Emergency Dental Treatment
Covered
Covers emergency dental treatment necessary for direct relief of acute pain and pain caused by accidents, for a maximum of 2 teeth. The limit is 150 EUR per tooth. Does not cover non-emergency dental treatments (prophylaxis, scaling, root canal treatment except for acute pain relief, orthodontics, periodontal disease, artificial teeth, crowns/bridges, dental aesthetics).
Medical Transport (Ambulance and Emergency)
Covered
Covers ambulance transport to the nearest medical unit and possible transfer to another hospital if necessary. Also covers urgent medical transport of medications from the nearest depot. Covered within the overall insured sum.
Medical Repatriation / Medical Evacuation
Covered
Covers repatriation of the insured from a foreign hospital to the nearest hospital in Romania where adequate treatment can be received, or to the insured's domicile in Romania, if the insured is unable to travel due to an accident or illness. Organized exclusively by Generali through the Assistance Company (Europ Assistance). Repatriation is arranged only when the insured is medically transportable after biological stabilization and estimated hospitalization exceeds 5 days. Refusal of medical repatriation by the insured results in termination of Generali's obligation to cover medical expenses from the date when repatriation could have been performed.
Repatriation of Remains
Covered
Covers repatriation of the deceased insured's body following death due to an insured risk during travel abroad, including COVID-19, to the insured's residence or domicile in Romania or to the place of burial in Romania. Organized by Generali through the Assistance Company. If the purpose of travel was other than treatment of pre-existing conditions but death occurs due to pre-existing chronic conditions, Generali covers repatriation costs up to 3,000 EUR. If organized without Generali's approval, repatriation costs are covered up to 1,000 EUR.
First Aid and Rescue at Scene
Covered
Covers costs occasioned by the provision of emergency first aid at the scene and recovery of the insured. Search costs are explicitly excluded.
COVID-19 Medical Expenses and Quarantine Costs
Covered
Medical expenses related to COVID-19 (SARS-CoV-2) are covered as part of the base medical expenses. Additionally, accommodation, food during quarantine, and return transport ticket costs if unable to use the originally planned transport are covered up to 500 EUR per person from the insured sum. A positive RT-PCR or rapid antigen test from an authorized medical unit is required, along with official quarantine confirmation from destination country authorities.
Pre-existing Conditions (Emergency Life-Saving Only)
Conditional
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.
Winter Sports Cover (High-Risk Activity Add-on)
Optional
Alpine skiing, snowboarding and off-piste ski touring are available under the optional high-risk activities add-on (Anexa 2 - Articolul 12). Standard coverage excludes ski, acrobatic ski, ski jumping, snowboarding, and use of snowmobiles. With the optional add-on, alpine skiing/snowboarding/off-piste ski touring is covered for conventional skiing, up to 4,500m altitude, following International Ski Federation code or resort regulations. Winter sports equipment is explicitly excluded from baggage coverage.
Adventure / High-Risk Sports Cover (xTreme Add-on)
Optional
Optional add-on (Article 12, Annex 2) covering accidents during high-risk activities listed in Annex 2 (e.g. alpine climbing up to 4,500m, paragliding, bungee jumping, scuba diving, surfing, mountain biking, paragliding, white-water rafting grades 1-4, parascending, via ferrata, etc.) up to 4,500m altitude. Activities in Annex 2 practiced as a professional, at altitudes above 4,500m, or those not in the list are not covered.
Pregnancy Complications
Conditional
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.
Personal Civil Liability Abroad
Optional
Optional coverage for tortious civil liability of the insured toward third parties, covering direct material damages caused through culpable illegal acts during travel abroad: accidental bodily injury to third parties (not family members or travel companions) and material damage to third-party property not under the insured's control. Limit specified in the policy per insured event and cumulatively for the entire insurance period.
Legal Assistance
Excluded
Legal assistance as a standalone coverage is not included in this product. Court costs and costs arising from civil liability of the insured are covered under the optional Personal Civil Liability coverage, but not as a separate legal assistance benefit.
24/7 Assistance (Europ Assistance)
Covered
24/7 emergency assistance is included in all variants via Europ Assistance (designated Assistance Company). In case of a medical event, the insured must contact the Assistance Company immediately at the number indicated on the policy. The Assistance Company coordinates all medical services, repatriation, and other covered services. Road assistance (for vehicles) also includes 24/7 telephone assistance if that optional cover is selected.
Key conditions
Assistance call deadline
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.
Unauthorized treatment
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.
Purchase while abroad
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).
Chronic conditions
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.
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.
pre_existing_conditions
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.
coverage_duration_limit
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.
Documents
Document de Informare privind Produsul de Asigurare (IPID) – Asigurare Călătorie ver. 7 / 05.09.2024
ipid
Condiții de Asigurare privind Polița de Călătorie în Străinătate – Mod 403/Q/QSP/QP Septembrie 2024
terms_and_conditions
Condiții de Asigurare privind Polița de Călătorie în Străinătate – Mod 403/Q/QSP/QP Aprilie 2023 (versiune anterioară)
terms_and_conditions
Definiții și Anexe pentru Condiții de Asigurare Călătorie
other
Policy specifics
Flight Cancellation / Trip Cancellation (Storno)
Optional coverage for trip cancellation with specific conditions; must be purchased within certain timeframes relative to travel booking. For policies closed more than 28 days before departure, the policy must be taken at the time of reservation or partial/full payment of travel services. For policies closed less than 28 days before departure, the policy must be taken within 24 hours of reservation or partial/full payment. Air tickets can be insured separately as standalone travel services.
Medical Repatriation
Coverage for transport of sick, injured, or deceased insured to Romania; arranged exclusively by Generali through the Assistance Company (Europ Assistance). Repatriation is organized only when the insured is medically transportable after biological stabilization and estimated hospitalization exceeds 5 days. If the insured is hospitalized for more than 24 hours, Generali through the Assistance Company will also arrange transport of the insured's minor children to Romania.
Emergency Medical Expenses
Coverage for emergency medical treatment during accident or illness abroad, including hospitalization and outpatient care. Coverage limits vary by territorial scope: Europe and Worldwide (excl. USA/Canada/Israel): up to 50,000 EUR; Worldwide incl. USA/Canada/Israel: up to 15,000 EUR; Turist Economic: up to 5,000 EUR with 20 EUR deductible. Post-expiry coverage limited to 4 days max at 500 EUR/day for ongoing inpatient emergencies. COVID-19 medical expenses are covered.
Pre-existing and Chronic Disease Limitation
Chronic medical conditions with frequent recurrence requiring specialist care are generally excluded (diabetes, hypertension, chronic hepatitis, chronic pancreatitis, cardiac insufficiency, rheumatoid arthritis, etc.). Conditions favored by excessive alcohol, toxic substances, narcotics, or smoking also excluded. List is illustrative not exhaustive. Emergency life-saving and acute pain relief covered up to 1,000 EUR.
8-Day Waiting Period (When Insured Is Already Abroad at Policy Issuance)
If the insured is outside Romania at the time of policy issuance, Generali's liability begins after 8 calendar days calculated from the day following policy issuance and premium payment. In the event of a claim, the insured must prove departure from Romania within at most 4 weeks (28 consecutive days) before policy issuance, using supporting documents (flight ticket, fuel receipts, transport tickets, vignette, road tolls, etc.). Failure to provide this proof gives Generali the right to refuse claim payment.
COVID-19 Medical and Quarantine Coverage
Medical expenses related to COVID-19 contraction during travel are covered within the overall insured medical sum. Additionally, quarantine-related accommodation, food costs, and return transport ticket (if unable to use originally planned transport due to quarantine) are covered up to 500 EUR per person from the insured sum. Requires positive RT-PCR or rapid antigen SARS-CoV-2 test from an authorized medical unit and official quarantine confirmation. Preventive quarantine ordered without a positive test is not covered.
Mandatory Use of Designated Assistance Company (Europ Assistance)
All medical emergencies must be reported to and coordinated through Generali's designated Assistance Company (Europ Assistance). Direct payments to providers require prior authorization. The insured must contact the emergency number on the policy immediately upon event occurrence and follow all instructions from the Assistance Company. Generali will not pay compensation if the insured does not comply with the Assistance Company's procedure or doctor's instructions.
Territorial Coverage Exclusions
Insurance is invalid in countries where the insured has permanent residence/domicile or whose citizen they are. Also excludes countries in the list attached to the Policy Offer: Iraq, Iran, Afghanistan, Syria, Lebanon, Burma (Myanmar), North Korea, Russian Federation, Belarus, Ukraine, Venezuela, and countries/territories for which the Romanian Government-Ministry of Foreign Affairs, WHO and/or other international authorities have issued travel warnings or total/partial economic embargoes.
High-Risk and Professional Activities Exclusion
No coverage for mountain climbing above 2,500m (without optional add-on), professional/semi-professional sports, hazardous activities listed in Art. 8.1.25 (paragliding, bungee jumping, scuba diving, surfing, snowboarding, ski, etc.), motorcycle riding for purposes other than public road use or recreational public road use, aviation activities, racing. Optional high-risk activity add-on (Article 12, Annex 2) available for additional premium, covering listed activities up to 4,500m altitude as amateur/recreational.
Policy Must Be Issued Before Leaving Romania (General Rule)
Insurance policy must generally be concluded on Romanian territory and before the commencement of foreign travel. Premium must be fully paid before policy effectiveness. Policies issued after departure from Romania or with premium paid after departure are invalid, with the limited exception of online direct sales where the insured is temporarily abroad and purchases a future, unrelated travel package on the same day.
Age Eligibility Limits
General coverage up to age 79 (age calculated as difference between the calendar year of coverage start and birth year). For Turist Economic and Turist/Turist Plus Premium variants: persons over 70 years of age at policy issuance cannot be insured for more than 30 consecutive days. Work/study travel limited to age 60. Study travel: ages 16-60. Persons aged 80+ can request coverage via email (travel.ro@generali.ro) for all products except Study and Professional.