Generali Travel insurance (Turist)

Covers emergency medical expenses (outpatient and inpatient) for accidents and/or illnesses occurring during travel abroad, including COVID-19. Confirmed sums insured (per the generali.ro online quote calculator): up to 50,000 EUR for Europe and Worldwide excluding USA/Canada/Israel; up to 15,000 EUR for Worldwide including USA/Canada/Israel. The sum insured for the Turist Economic tier is not stated in the attached sources. Includes ambulatory consultations, diagnostic tests, treatments, medications, surgery, hospitalization, transport by ambulance to nearest hospital and potential transfer to another hospital if necessary. Emergency dental is included as a sublimit (see emergency_dental). In case of hospitalization without prior notification of the assistance company, Generali reimburses up to 1,500 EUR.

Covers emergency outpatient medical care including consultations, diagnostic investigations, treatments and medications necessary to save the insured's life and improve clinical condition, including COVID-19 cases. Covered within the overall medical expenses sum insured per tier: Turist Economic up to 5,000 EUR; Turist / Turist Plus Premium up to 50,000 EUR (Europe/World excl. US) or 15,000 EUR (World incl. US/Canada/Israel).

Covers emergency inpatient hospital care including specialist medical consultations, diagnostic tests, medical and/or surgical treatments (including osteosynthesis materials), care, medication, monitoring, accommodation and meals, and day hospitalization for medico-surgical emergencies requiring up to 12 hours of medical supervision. After expiry of the policy, hospitalization costs are covered up to 4 days post-expiry at a maximum of 500 EUR/day/insured. Coverage is within the overall medical expenses sum insured: Turist Economic up to 5,000 EUR; Turist / Turist Plus Premium up to 50,000 EUR or 15,000 EUR depending on territory.

Outpatient emergency medical treatment is included within the overall medical expenses coverage. Covers consultations, diagnostic investigations, treatments/measures necessary to save the insured's life, improve clinical condition, and prescribed medications. Covered within the overall medical expenses sum insured: Turist Economic up to 5,000 EUR; Turist / Turist Plus Premium up to 50,000 EUR or 15,000 EUR depending on territory.

Emergency dental treatment necessary to directly relieve acute pain and pain caused by accidents, for up to 2 teeth. The limit is 150 EUR per tooth (maximum 300 EUR total). Included in base emergency medical coverage; routine dental care (prophylaxis, root canal except for acute pain, orthodontics, periodontal diseases, artificial teeth, crowns, bridges, dental aesthetics) is excluded.

Covers ambulance transport to the nearest medical unit and any transfer to another hospital if necessary. Also covers urgent medical transport of medications from the nearest depot. Costs for searching for the insured who has suffered an accident are explicitly excluded. Covered within the overall medical expenses sum insured per tier.

Covers medical repatriation of the insured from a foreign hospital to a Romanian hospital or to the insured's home in Romania if unable to travel due to an accident or illness (including COVID-19). Medical repatriation is organized exclusively by Generali through Europ Assistance and is carried out only when the insured is medically transportable after biological stabilization and the estimated hospitalization period exceeds 5 days. A medical escort may accompany the insured if medically necessary. Costs of transport in Romania not organized by the assistance company are not covered. Covered within the overall medical expenses sum insured. For COVID-19 repatriation, the COVID-19 clause limits repatriation to 1,000 EUR.

Covers the repatriation of the insured's remains from abroad to their home address or place of burial in Romania following death due to an insured risk (including COVID-19). Organized by Generali through Europ Assistance. If death is due to chronic/pre-existing conditions and the purpose of travel was not treatment of those conditions, repatriation of remains is covered up to a limit of 3,000 EUR. If repatriation is organized without Generali's prior approval, costs are covered up to 1,000 EUR. Children of the deceased are transported back to Romania at Generali's expense.

Search costs for an insured who has suffered an accident are explicitly excluded from coverage (Art. 2.1.3 excludes search costs; Art. 3.1.13 excludes searching for the insured). First-aid pickup at the scene and ambulance transport to the nearest medical facility are covered as part of the emergency medical expenses coverage, but organized search-and-rescue operations are not covered.

COVID-19 (SARS-CoV-2) medical expenses are included in the base emergency medical coverage (Art. 2.1.1 and 2.1.2). Additionally, the COVID-19 supplementary clause (Mod 403 COVID annex) specifically covers: emergency medical expenses up to 2,000 EUR for COVID-19; medical repatriation or repatriation of remains up to 1,000 EUR for COVID-19; quarantine accommodation/food and return transport up to 500 EUR/person from the insured sum. A positive RT-PCR or rapid antigen test from an authorized medical facility is required as proof. Quarantine costs are covered only with a confirmed positive test and official quarantine order; preventive quarantine without a positive test is not covered.

Pre-existing conditions and their consequences are generally excluded. Exception: if during travel abroad, medical care involves emergency life-saving measures or measures to relieve acute pain, these are covered up to a maximum of 1,000 EUR (Art. 3.1.1). In the event of death from chronic/pre-existing conditions where the purpose of travel was not treatment of those conditions, repatriation of remains is covered up to 3,000 EUR. For trip cancellation (Storno), death or illness due to chronic/pre-existing conditions is covered up to 300 EUR/person (without the 10% deductible).

Coverage for accidents during high-risk activities listed in Annex 2, including winter sports (Alpine skiing, snowboarding, ski touring off-piste, snowmobile, snow rafting, etc.), is available as an optional paid supplement called 'eXtreme Adventure' (Art. 12 supplementary coverage). Must be selected at the time of policy issuance. Covered up to altitude limit of 4,500 m. Sum insured is the same as the overall medical expenses limit per tier. Specific exclusions apply per activity (e.g., no ski jumping, aerobatic maneuvers, freestyle/freeride snowboarding).

Coverage for accidents during high-risk activities listed in Annex 2 (including abseiling, bungee jumping, paragliding, skydiving, rock climbing up to 4,500 m, kayaking grades 1-4, river rafting grades 1-4, kitesurfing, scuba diving, mountain biking, trekking, etc.) is available as an optional paid supplement 'eXtreme Adventure'. Coverage applies for recreational purposes and competitions/training up to altitude limit of 4,500 m. Activities not listed in Annex 2 are not covered. Specific exclusions apply per activity (e.g., no base jumping, wingsuit flying, cave diving, motor sports, expeditions to remote regions).

Pathological (illness-related) situations arising from pregnancy under 26 weeks are covered within the base emergency medical expenses. Pregnancy over 26 weeks, childbirth and voluntary termination of pregnancy are excluded. For trip cancellation (Storno), medical inability to travel due to pregnancy-related causes (pathological situations) up to 26 weeks is covered as an insured risk, subject to specific conditions regarding when the pregnancy was discovered.

Optional supplementary coverage for the insured's civil tort liability towards third parties for direct damages caused through culpable unlawful acts during travel abroad. Covers bodily injury to third parties (not family members, employees or travel partners) and material damage to property not belonging to, under the responsibility of, or controlled by the insured or family. The limit is the sum insured stated in the Policy for this coverage (Art. 1.1), applicable both per insured event and cumulatively for the entire insurance period (Art. 1.6); the attached Terms do not specify a numeric euro amount for either the Turist or Turist Plus Premium tier. Must be selected at policy issuance. Numerous specific exclusions apply (e.g., vehicle accidents, professional liability, animal damage, intentional acts).

Dedicated legal assistance coverage is not offered as a distinct coverage component under this product. The civil liability coverage (optional) includes coverage for court costs and expenses arising from the insured's civil liability in the event of damages caused to third parties, but standalone legal assistance is not available.