German Romanian Assurance S.A.
GERROMA / asiguraridevacanta.ro
GERROMA / asiguraridevacanta.ro is a travel insurance for the Romania market with online purchase and 24/7 assistance.
Direct payment
In the event of an insured event, the insured must immediately contact the Claims Centre (non-stop programme) at the phone number shown on the insurance policy. The insurer coordinates assistance; direct payment to providers is the standard mode.
Geographic scope
Worldwide (territory specified in policy)
Valid only in the territory of countries mentioned in the online-issued insurance policy; if the insured returns to Romania during the insured period and resumes travel, the policy remains valid until the end of the insured period.
Starting price
RON 23
Unique selling points
- Four selectable coverage tiers (Economic, Standard, Premium, Suprem) allow travelers to match their insured sum — from basic outpatient cover up to 30,000 EUR — precisely to their trip needs.
- Instant online policy issuance via asiguraridevacanta.ro with free email delivery in under 60 seconds, no account required.
- 24/7 non-stop Claims Centre available to all policyholders, with the insurer coordinating all medical arrangements abroad.
- Optional COVID-19 extension clause available as an add-on to any tier, covering medical and repatriation costs up to 1,000 EUR.
- Policies are VAT-exempt, so the price displayed on the website is the final price paid — no hidden charges.
Coverage limits
Medical Expenses
Covered
Covers outpatient medical consultations, medicines, laboratory tests, other investigations, emergency medical transport, physician transport, ophthalmological and dental medical assistance (accident-related). Varies by tier: Economic (basic, outpatient only), Standard (5,000 EUR), Premium (10,000 EUR), Suprem (30,000 EUR).
Emergency Medical Treatment
Covered
Emergency medical assistance included in all tiers within the overall insured sum. Covers acute illness and accident treatment. A second medical consultation justified in relation to the insured case is covered up to a maximum of 20 EUR.
Hospitalization
Covered
Hospitalization including emergency medical transport. Standard: max 1,500 EUR; Premium: max 2,500 EUR; Suprem: max 6,500 EUR. Maximum per hospitalization day is 500 EUR regardless of medical unit category, care class, or medical speciality; the discharge day is not compensated. Economic tier covers outpatient only (no hospitalization sub-limit stated).
Outpatient Treatment
Covered
Outpatient medical consultations, medicines, laboratory tests, and other investigations are covered across all tiers within the overall insured sum. The Economic tier covers outpatient services only (no inpatient sub-limit). Specific outpatient sub-limits are not separately stated.
Emergency Dental Care
Conditional
Dental medical assistance and related medication covered up to a maximum of 100 EUR, only if it is the exclusive consequence of an accident. Routine or preventive dental work is excluded.
Emergency Medical Transport
Covered
Emergency medical transport (ambulance) included in all tiers within the hospitalization sub-limit and the overall insured sum. Physician transport also covered.
Repatriation of Remains
Covered
Repatriation of the insured's remains in case of death is covered within the overall policy limits. The Suprem tier additionally provides a death indemnity of 3,000 EUR to legal heirs; the Premium tier provides 2,000 EUR.
Search and Rescue
Excluded
Search and rescue costs are not explicitly covered in the standard travel medical policy tiers (Economic, Standard, Premium, Suprem). The ski-specific insurance (asigurarideski.ro) covers search and rescue on slopes, but that is a separate product.
COVID-19 Treatment
Optional
Optional COVID-19 clause (Clauza COVID-19) available as add-on to any medical travel policy tier, covering up to 1,000 EUR for: emergency medical costs due to COVID-19 illness during the insured period (where COVID-19 is the primary diagnosis requiring hospitalisation/quarantine/isolation/treatment), and additional repatriation costs caused directly by COVID-19 illness requiring hospitalisation/quarantine/isolation. Also covers repatriation expenses when the insured dies from COVID-19.
Pre-existing Conditions
Excluded
Pre-existing conditions are not covered. Chronic illnesses are considered pre-existing conditions. The travel medical insurance does not cover pre-existing conditions or their consequences.
Winter Sports Cover
Excluded
Winter sports are not covered under the standard travel medical policy (Economic, Standard, Premium, Suprem). Special winter sports insurance plans are available separately at asigurarideski.ro.
Adventure/Extreme Sports Cover
Optional
Extreme and leisure sports are covered only through the Adventure insurance plan (available via asiguraridevacanta.ro). The Adventure plan covers up to 10,000 EUR with a 2,000 EUR death indemnity in case of accident as the exclusive consequence of practicing extreme or leisure sports. Standard tiers (Economic, Standard, Premium, Suprem) exclude accidents from extreme sports.
Personal Liability
Not offered
Personal liability coverage is not mentioned in any of the verified sources for the GERROMA travel medical policy tiers.
Legal Assistance
Not offered
Legal assistance coverage is not mentioned in any of the verified sources for the GERROMA travel medical policy tiers.
24/7 Assistance
Covered
24/7 Claims Centre (non-stop programme) is available for all policy tiers. In the event of an insured event, the insured must immediately contact the Claims Centre at the phone number shown on the policy.
Key conditions
Assistance call deadline
In the event of an insured event, the insured must immediately contact the Claims Centre (non-stop programme) at the phone number shown on the insurance policy.
Unauthorized treatment
Any discrepancy between the insured's options/data in the electronic questionnaire and those recorded in the insurance policy must be notified by the insured/contractor in writing to the insurer within a maximum of 2 working days of policy issuance; after this deadline the policy is considered validly concluded.
Purchase while abroad
It is possible to purchase a travel medical insurance policy from www.asiguraridevacanta.ro while already abroad, but the insured period will begin at least 8 days from the current date.
Chronic conditions
Chronic diseases are considered pre-existing conditions and are not covered by the travel medical insurance, nor are their consequences.
Pregnancy
Pregnancy and pregnancy complications are not covered as insured events under the travel medical policy. Pregnancy-related situations do not constitute insured events for trip cancellation purposes either.
Pre-existing condition exclusions
Pre-existing conditions and their consequences are excluded from coverage. Travelers are advised to purchase the policy for accidents or events unrelated to pre-existing conditions.
Coverage duration limit
The insured period is chosen by the insured/contractor and specified in the online-issued policy. The period can be extended by purchasing a new policy continuing from the end of the previous insured period. Age of the insured may restrict or expand the insurance plans offered.
Where to buy
Documents
Insurance Conditions - Baggage (Extra-Option add-on to Travel Medical)
terms_and_conditions
Policy specifics
COVID-19 Protection Clause
Optional coverage extension for COVID-19 related medical expenses and repatriation costs, with maximum benefit of 1,000 EUR
Baggage Insurance Extension
Optional extra coverage for baggage loss, delay, or damage during travel, available as add-on to medical insurance
Multiple Coverage Tiers
Travel Medical Insurance offered in four distinct coverage tiers: Economic (lowest), Standard, Premium, and Suprem (highest), with different insured amounts and benefit limits
Extreme Sports Coverage Limitation
Standard tiers exclude coverage for accidents from extreme or adventure sports; higher tiers may offer optional coverage for such activities
Dental Care Coverage Limit
Dental care coverage is limited to acute treatment as consequence of accident, with maximum benefit of 100 EUR, excluding routine or preventive dental work