AWP P&C S.A. - Austrian Branch (Mondial Assistance)
Mondial Assistance
Mondial Assistance is a travel insurance for the Romania market with online purchase and 24/7 assistance.
Direct payment
Emergency medical/dental coverage is secondary insurance. Claims must first be submitted to any existing health insurance provider. If no health insurance exists, or if it is known that the existing health insurance does not provide coverage in the geographical area where the medical emergency is treated, claims may be submitted directly to Mondial Assistance. Any payment received from any other insurer or entity will be deducted from the claim. For inpatient hospitalization, Mondial Assistance may guarantee or advance payments up to the coverage limit where accepted by the medical facility.
Geographic scope
Romania and abroad (outside country of residence)
Three selectable zones: (1) Europe (geographical Europe including Mediterranean states, Canary Islands, Madeira, Azores, Russian Federation); (2) Worldwide excluding USA and Canada (all countries except USA, Canada, and North Korea); (3) Worldwide including USA and Canada (all countries except North Korea). Coverage applies only outside the insured's country of residence.
Unique selling points
- Emergency medical coverage up to 150,000 RON with comprehensive COVID-19 and epidemic/pandemic inclusion as standard — no additional rider required.
- Emergency transportation aggregate of 250,000 RON covers full evacuation, medical repatriation, and repatriation of remains in a single combined limit.
- DoctorChat telemedicine service included — insured persons have access to an international network of qualified physicians for medical guidance during their trip.
- Trip cancellation and interruption coverage included in the same policy, with protection against a wide range of events including COVID-19 illness, quarantine, job loss, and natural disasters.
- Online instant policy issuance available via the Mondial Assistance booking platform with digital payment card (hi.health) for fast, cashless access to emergency medical care without upfront payment.
Coverage limits
Emergency Medical and Dental Expenses
Covered
Reimbursement of reasonable and customary costs for emergency medical and dental care received during travel abroad, including inpatient and outpatient treatment. Sub-limit of 75,000 RON for illnesses caused by epidemic or pandemic (including COVID-19). Dental care sub-limit of 2,500 RON. Coverage is secondary to any existing health insurance.
Emergency Medical Treatment (Inpatient and Outpatient)
Covered
Covers reasonable and customary costs for both inpatient (hospital) and outpatient emergency medical treatment during travel abroad, up to the 150,000 RON aggregate limit for emergency medical/dental coverage. Treatment must be medically necessary and provided by a licensed doctor or hospital. Sub-limit of 75,000 RON applies for epidemic/pandemic illnesses.
Hospitalization
Covered
Hospitalization costs are covered within the 150,000 RON emergency medical/dental aggregate limit. No separate sub-limit is stated for inpatient care. Mondial Assistance may guarantee or advance payment to the hospital where accepted. Transport of a companion (1,000 RON) is provided if hospitalization exceeds 72 hours or is life-threatening.
Outpatient Treatment
Covered
Outpatient emergency medical treatment is covered within the 150,000 RON aggregate emergency medical/dental limit. No separate sub-limit is stated for outpatient care. Treatment must be medically necessary, provided by a licensed doctor, and must originate during the trip abroad.
Emergency Dental Treatment
Covered
Sub-limit of 2,500 RON for emergency dental care within the 150,000 RON aggregate medical/dental limit. Covers dental injury, infection, lost filling, or broken tooth requiring treatment during travel abroad.
Emergency Transportation (Local Transport to Hospital and Search & Rescue)
Covered
Emergency Transportation Coverage aggregate limit is 250,000 RON, covering: local emergency transport from incident location to a doctor or medical facility; transport of a companion to a hospitalized insured (1,000 RON sub-limit); transport of minors/dependents (1,000 RON sub-limit); repatriation of remains (100,000 RON sub-limit); search and rescue (20,000 RON sub-limit). Medical repatriation after stabilization is also covered within this 250,000 RON aggregate.
Emergency Medical Evacuation and Repatriation
Covered
Covered within the Emergency Transportation aggregate of 250,000 RON. Includes emergency evacuation to the nearest appropriate medical facility, medical repatriation to principal residence or a medical facility near home once medically stable, and arrangement of medical escort if necessary. All transport arrangements must be pre-authorized and organized by Mondial Assistance.
Repatriation of Remains
Covered
In the event of death during the trip, Mondial Assistance arranges and pays for reasonable and necessary services and supplies to transport remains to a funeral home near the principal residence or in the country of residence. Sub-limit of 100,000 RON within the Emergency Transportation aggregate. Death must occur during the trip and arrangements must be pre-authorized by Mondial Assistance.
Search and Rescue
Covered
Covers costs of search and rescue activities by a professional rescue team up to 20,000 RON if the insured is reported missing or needs to be rescued from a physical emergency during the trip. Sub-limit within the Emergency Transportation Coverage aggregate of 250,000 RON.
COVID-19 and Epidemic/Pandemic Medical Treatment
Covered
Medical treatment for illnesses caused by epidemic or pandemic (including COVID-19) is covered within the Emergency Medical/Dental Coverage, subject to a sub-limit of 75,000 RON (within the 150,000 RON aggregate). COVID-19 illness is also a covered reason for trip cancellation, trip interruption, and travel delay where specific conditions are met. Quarantine due to COVID-19 exposure is covered only when the quarantine order is specific and individual (not a general population order).
Pre-existing Medical Conditions
Excluded
Pre-existing medical conditions are explicitly excluded from all coverages. A pre-existing condition is any injury, illness, condition, disability, or their consequences treated within the last 120 days prior to policy issuance. For heart disease, stroke, cancer, diabetes (type 1 and 2), migraine, epilepsy, and multiple sclerosis, the reference period is 24 months before policy issuance. The condition does not need to be formally diagnosed to be considered pre-existing.
Winter Sports / Skiing Coverage
Conditional
Skiing on marked pistes is implicitly included as a recreational activity covered under the standard policy (not excluded). Skiing or snowboarding outside marked trails or in areas accessed by helicopter is explicitly excluded under General Exclusions. No separate coverage limit is stated for winter sports; medical costs for skiing injuries on marked pistes are covered within the standard 150,000 RON emergency medical limit.
Adventure and Recreational Sports Coverage
Conditional
Standard recreational sports (including regular surfing, kite surfing, and scuba diving up to 20 meters depth) are covered under the standard policy with no additional premium. High-risk and extreme sports are explicitly excluded: skydiving, BASE jumping, hang gliding, parachuting, caving/rappelling/spelunking, off-piste or heli-skiing, climbing sports or free climbing, high-altitude activities (above 4,500 m), personal combat/fighting sports, motorized vehicle racing, free diving, and scuba diving deeper than 20 meters or without a dive master.
Pregnancy Complications
Conditional
Normal, complication-free pregnancy and childbirth are excluded from emergency medical coverage. However, pregnancy is listed as a covered reason for trip cancellation under the Premium cancellation option (referenced in the 2205 brochure). Complications of pregnancy that constitute a genuine medical emergency during travel would need to meet the emergency medical criteria. Fertility treatments and elective abortion are explicitly excluded.
Personal Liability
Excluded
Personal liability coverage is not included in My Safe Travel. It is available only in other products in the Mondial Assistance range (My Safe Essential, Optim, Full) up to 50,000 RON.
Legal Referral Assistance
Covered
Mondial Assistance can help find local legal advice during the trip as part of the Travel Services During Your Trip. This is a referral/concierge service only; no monetary legal expenses coverage is provided within My Safe Travel.
24/7 Emergency Assistance Service
Covered
24/7 emergency assistance is available throughout the trip including finding a doctor/medical facility, monitoring care during hospitalization, lost travel document assistance, emergency language translation, emergency cash assistance, legal referrals, and urgent message delivery. Emergency assistance line: +40 21 312 22 37. Includes access to DoctorChat telemedicine service for medical consultations during travel.
Key conditions
Assistance call deadline
For emergency assistance during the trip, the insured or someone on their behalf must contact Mondial Assistance before any transportation arrangements are made. If Mondial Assistance did not authorize and arrange transport, they will only pay up to what they would have paid if they had made the arrangements. Emergency assistance line is available 24/7 at +40 21 312 22 37.
Unauthorized treatment
Emergency medical/dental coverage is secondary insurance. Claims must first be submitted to any existing health insurer. Any payment received from another insurer or entity will be deducted from the claim. For trip cancellation: travel suppliers must be notified within 48 hours of discovering the need to cancel. For trip interruption: suppliers must be notified within 24 hours. Failure to notify within these deadlines may reduce or eliminate reimbursement for the difference in refund received.
Purchase while abroad
The policy applies for a specific trip and cannot be renewed. Coverage is effective at 00:00 on the day after the order is received and the full premium is paid. The order must be received and the full premium paid on or before the departure date. For trip cancellation packages, if departure is in less than 30 days, the policy must be purchased simultaneously with the trip booking (within 3 calendar days of booking).
Chronic conditions
Chronic diseases that meet the definition of pre-existing medical conditions are excluded from all coverages. For heart disease, stroke, cancer, diabetes (type 1 and 2), migraine, epilepsy, and multiple sclerosis, the pre-existing period is 24 months before policy issuance. For all other conditions, the reference period is 120 days before policy issuance.
Pregnancy
Normal, complication-free pregnancy and childbirth are excluded from emergency medical coverage. Pregnancy of the insured person is listed as a covered reason for trip cancellation under the Premium coverage option. Fertility treatments and elective abortion are explicitly excluded under General Exclusions.
Pre-existing condition exclusions
Pre-existing medical conditions are explicitly excluded from all coverages. A condition is pre-existing if it was treated, presented symptoms, or required prescribed medication in the 120 days before policy issuance (or 24 months for heart disease, stroke, cancer, diabetes, migraine, epilepsy, and multiple sclerosis). The condition does not need to be formally diagnosed. The policy also does not cover any loss, condition, or event that was known, foreseeable, intended, or expected when the policy was purchased.
Coverage duration limit
Maximum single trip duration is 90 days. Coverage ends at 23:59 on the date indicated in the insurance policy, or earlier if the trip ends, the policy is cancelled, a trip cancellation claim is filed, the insured arrives at a medical facility due to a medical reason, or on the last day of coverage for one-way trips. If the return journey is delayed due to a covered event, coverage is extended until the earliest possible return to the point of origin or principal residence.
Where to buy
Policy specifics
Trip cancellation coverage
Reimbursement of non-refundable travel payments, deposits, cancellation fees and transport modification costs in case of insured events preventing travel
Emergency medical and dental expenses
Coverage for urgent medical and dental treatment costs incurred during travel abroad, including hospitalization and necessary transportation to medical facilities
Baggage loss and delay coverage
Reimbursement for theft, loss or damage to baggage during transport and compensation for delayed baggage delivery at destination
Travel delay coverage
Reimbursement of prepaid travel costs for services not used when travel is interrupted or significantly delayed
Recreational sports coverage
Automatic coverage for recreational sports including skiing, kite surfing, regular surfing and scuba diving up to 20 meters depth
Residence requirement
Insured persons must have principal or secondary residence in Romania, Switzerland, Liechtenstein, UK or EU country for at least 6 months before policy conclusion
Maximum trip duration
Maximum single trip duration is 90 days for My Safe Travel product
Pre-existing conditions exclusion
Policy does not cover pre-existing or foreseeable events
24/7 emergency assistance
Continuous medical and general emergency assistance available around the clock during covered travels
Medical coverage is secondary
Emergency medical/dental coverage functions as secondary insurance. Claims must first be submitted to primary health insurance if available.
Geographic coverage options
Coverage available for multiple geographic zones: Europe only, International excluding USA/Canada, or International including USA/Canada