GRAWE
GRAWE is a travel insurance for the RO market with no online purchase and 24/7 assistance.
Direct payment
Medical expenses are reimbursed by the insurer up to the insured sum. Direct payment to medical providers is coordinated through the Mondial Assistance partner network.
Geographic scope
RO
Valid outside Romania and outside the insured's country of residence. Two geographic coverage options: Europe or worldwide.
Unique selling points
- Family policy covers 1 additional adult and up to 5 minor children regardless of family relation, with insured sums up to 60,000 EUR.
- 24/7 emergency medical assistance worldwide delivered through the established Mondial Assistance partner network.
- Medical and funeral repatriation transport costs to Romania are included within the insured sum at no additional premium.
- Backed by over 195 years of Grawe Group heritage, providing financial stability and long-term insurance expertise.
- Choice of Europe-only or worldwide geographic scope, with pre-set insured sums of 20,000 or 30,000 EUR (individual) or 40,000 or 60,000 EUR (family) offering clear, simple coverage tiers.
Coverage limits
Medical expenses
Covered
Coverage for acute illnesses and bodily injuries from accidents abroad, within the insured sum. Individual policies: 20,000 or 30,000 EUR; family policies: 40,000 or 60,000 EUR.
SourceEmergency medical treatment
Covered
Costs of necessary medical treatments performed on the insured outside Romania, in hospitals and/or by physicians outside a hospital, are reimbursed within the insured sum.
SourceHospitalization
Covered
Hospitalization costs for acute illnesses and accident injuries abroad are covered within the overall insured sum.
SourceOutpatient treatment
Covered
Outpatient medical costs (physician consultations outside hospital) for acute illnesses and accident injuries abroad are covered within the insured sum.
SourceEmergency dental
€500
Medical transport
—
Medical Evacuation
—
Repatriation Of Remains
—
Search and rescue
Not offered
Search and rescue operations are not explicitly mentioned as a covered benefit in the GRAWE Travel IPID or product page. No evidence of coverage found in available sources.
SourceCOVID-19 treatment
Conditional
Events resulting from epidemics or pandemics are excluded unless they fall within the coverage conditions. COVID-19 treatment may be covered only if it meets the standard acute illness coverage criteria.
SourcePre-existing conditions
Excluded
Events that had already occurred at the start of the trip or were foreseeable, including illnesses existing before the contract was concluded, are explicitly excluded from coverage.
SourceWinter sports cover
Not offered
Motor sports competitions are explicitly excluded. Non-motorised aircraft (e.g. paragliders) are also excluded. No specific winter sports rider is mentioned in the available GRAWE Travel sources.
SourceAdventure sports cover
Excluded
Events during use of non-motorised aircraft (e.g. paragliders) and participation in motor sports competitions (including practice races) are explicitly excluded.
SourcePregnancy complications
Not offered
Pregnancy complications are not mentioned as a covered benefit in the GRAWE Travel IPID or product page. No evidence of coverage found in available sources.
SourcePersonal liability
Not offered
Personal liability is not mentioned as a covered benefit in the GRAWE Travel IPID or product page. The product focuses on medical expense coverage only.
SourceLegal assistance
Not offered
Legal assistance is not mentioned as a covered benefit in the GRAWE Travel IPID or product page.
Source24/7 assistance
Covered
24/7 emergency medical assistance is available through the Mondial Assistance partner network.
SourceKey conditions
Assistance call deadline
The insured must notify the insurer of any claim immediately after the event and follow the insurer's instructions. Failure to comply intentionally or through fault releases the insurer from its payment obligation.
Unauthorized treatment
Medical treatments that are the sole or primary reason for travel are not covered. Treatments whose necessity was known before the start of the trip are also excluded. Non-compliance with insurer instructions may result in loss of coverage.
Purchase while abroad
The policy must be purchased and coverage must begin before departure. Coverage starts on the date stated in the policy (or later per conditions), but not earlier than the day following premium payment if the insurer has accepted the contract.
Chronic conditions
Pre-existing conditions and illnesses existing before the contract was concluded are explicitly excluded from coverage.
Pregnancy
Pregnancy complications are not mentioned as a covered benefit in available sources. Standard illness exclusions apply.
pre_existing_conditions
Events that had already occurred at the start of the trip or were foreseeable, and illnesses existing before the contract was concluded, are explicitly excluded from coverage.
coverage_duration_limit
Coverage is valid for the duration stated in the policy. The contract ends on the date inscribed in the contract or earlier in cases provided by the insurance conditions. Premium is paid in advance and in full for each insurance period.
Where to buy
Documents
PID Travel - Document de informare privind produsul de asigurare (IPID)
ipid
Policy specifics
Medical expenses coverage
Coverage for acute illnesses and bodily injuries from accidents abroad
Preset insured amounts
Individual policies offer 20,000 or 30,000 EUR; Family policies offer 40,000 or 60,000 EUR
Geographic coverage variants
Coverage can be selected as Europe-only or worldwide
Medical and funeral repatriation
Coverage includes medical repatriation transport costs and funeral repatriation to Romania
No coverage in Romania
Events occurring within Romanian territory are not covered by the insurance
Medical treatment as travel purpose exclusion
Medical treatments that are the sole or primary reason for travel are not covered
Fatigue and exhaustion exclusion
Events caused by fatigue or exhaustion states are not covered
Contract termination notice period
Contract can only be terminated with minimum 20 days prior written notice
Assistance services partner
Medical assistance is provided through partnership with Mondial Assistance company
Family policy composition flexibility
Family policies allow 1 additional adult and up to 5 minor children, regardless of family relation