What are the best travel insurances for Romania in 2025?

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A. Fruchard
A. Fruchard
updated on July 16, 2025
Table of Contents
  • The best travel insurance plans for Romania
  • Is it currently safe to travel to Romania?
  • Is travel insurance required by law to enter Romania?
  • Why take out travel insurance for Romania?
  • What travel insurance for Romania should cover
  • The Cost of Travel Insurance for Romania
  • How to pay less for your travel insurance to Romania
  • Can I rely on my current insurance to cover me in Romania?
  • FAQ
  • On the same topic
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Travel insurance for Romania: key takeaways

1. Definition: Travel insurance for Romania covers medical emergencies, trip cancellation, and other unforeseen events.
2. Key protection: Insurance is not mandatory but is vital for covering unexpected medical costs and emergencies.
3. Healthcare cost: Private healthcare is recommended; a hospital night can cost several hundred dollars for foreigners.
4. Price: A one-week travel insurance policy for Romania typically costs between $25 and $50.
5. Good to know: Your domestic US health insurance, including Medicare, likely offers no coverage in Romania.

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Why trust HelloSafe?

HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 38 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Romania.

The best travel insurance plans for Romania

Contract we recommendMedical reimbursement limitOur view
HelloTravel Premium$1.1MStrong recommendation for travel to Romania.
- high medical limit
- medical evacuation included
- broad guarantee package
Cap Assistance 24/24$1.1MReliable for emergencies in Romania.
- 24/7 medical support
- cancellation option
- no deductible
Tourist Card$540KUseful for city visits and tourism.
- solid medical cover
- emergency assistance
- practical cost
Travel Pass Monde$750KBalanced coverage for most needs.
- repatriation included
- hospital costs covered
- clear and flexible terms
Globe Partner$325KGood for long stays and essential protection.
- medical care abroad
- repatriation
- civil liability included
Globe Traveller$540KSuited for short, low-risk trips.
- essential medical cover
- rapid reimbursement
- limited ceiling
Recommended travel insurance contracts.
HelloTravel Premium
Medical reimbursement limit
$1.1M
Our view
Strong recommendation for travel to Romania.
- high medical limit
- medical evacuation included
- broad guarantee package
Cap Assistance 24/24
Medical reimbursement limit
$1.1M
Our view
Reliable for emergencies in Romania.
- 24/7 medical support
- cancellation option
- no deductible
Tourist Card
Medical reimbursement limit
$540K
Our view
Useful for city visits and tourism.
- solid medical cover
- emergency assistance
- practical cost
Travel Pass Monde
Medical reimbursement limit
$750K
Our view
Balanced coverage for most needs.
- repatriation included
- hospital costs covered
- clear and flexible terms
Globe Partner
Medical reimbursement limit
$325K
Our view
Good for long stays and essential protection.
- medical care abroad
- repatriation
- civil liability included
Globe Traveller
Medical reimbursement limit
$540K
Our view
Suited for short, low-risk trips.
- essential medical cover
- rapid reimbursement
- limited ceiling
Recommended travel insurance contracts.
👉 Compare the best travel insurance for freeI compare

Is it currently safe to travel to Romania?

As of June 2025, the US Department of State assesses the safety situation in Romania at the lowest level, advising normal precautions for travelers.

  • Security risks: while violent crime is rare, there are regular reports of theft and pickpocketing in urban tourist spots and on public transport, including subway stations in Bucharest. Scams involving plainclothes police and money exchange are reported at major train stations.
  • Health risks: no special vaccinations are required, but public healthcare outside Bucharest and Cluj-Napoca is often below Western standards. For serious illness or injury, medical evacuation may be necessary, and earthquake risk is present, especially in the capital.
  • Legal requirements: Romania is a Schengen country and allows visitors from the US up to 90 days without a visa, but your passport must be valid for three months after your departure. An International Driving Permit is required for driving, along with your US license.
  • Environmental hazards: Romania has the highest traffic fatality rate in the EU, with rural roads and highways often in poor condition. Heavy rain may cause flash floods, particularly in mountainous areas like the Carpathians.

Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Romania.

Is travel insurance required by law to enter Romania?

No, travel insurance is not mandatory for US citizens entering Romania for tourist stays of up to 90 days.

However, travel insurance is still highly recommended because medical care in Romania may not meet US standards, especially in rural areas, and medical evacuation can be costly. Having insurance ensures better access to medical treatment and covers potential expenses related to illness, accidents, or emergencies.

According to our data, 50% of travelers purchase travel insurance before going to Romania. This is mainly due to the fact that medical costs and evacuation can still represent a significant financial risk, even in a generally safe European country.

Why take out travel insurance for Romania?

It is an essential financial and medical protection for anyone going to Romania.

In Romania, public hospitals can be overcrowded, with limited equipment especially outside major cities like Bucharest or Cluj-Napoca. Foreign travelers tend to use private clinics such as Regina Maria in Bucharest, where care is significantly more expensive and must often be paid for up-front.

Travel insurance covers essential protections such as medical expenses, hospitalization costs, medications, ambulance transportation, and repatriation costs to the US in the event of a serious issue.

Here are some examples of healthcare costs in Romania.

Example of medical treatmentCost at Regina Maria ClinicCovered by travel insurance
I have to be hospitalized 48 hours after contracting an infection7,000 RON (about $1,530)up to 100%
I broke my tibia (X-ray, cast, and crutch rental)3,500 RON (about $765)up to 100%
I need to be repatriated45,000 RON (about $9,850)up to 100%
I have appendicitis (consultation and surgery)12,000 RON (about $2,630)up to 100%
Examples of medical treatment costs and travel insurance coverage.
I have to be hospitalized 48 hours after contracting an infection
Cost at Regina Maria Clinic
7,000 RON (about $1,530)
Covered by travel insurance
up to 100%
I broke my tibia (X-ray, cast, and crutch rental)
Cost at Regina Maria Clinic
3,500 RON (about $765)
Covered by travel insurance
up to 100%
I need to be repatriated
Cost at Regina Maria Clinic
45,000 RON (about $9,850)
Covered by travel insurance
up to 100%
I have appendicitis (consultation and surgery)
Cost at Regina Maria Clinic
12,000 RON (about $2,630)
Covered by travel insurance
up to 100%
Examples of medical treatment costs and travel insurance coverage.

These prices are given as an indication and may vary depending on the facilities and regions.

It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.

What travel insurance for Romania should cover

Here is a summary table of the main coverages you should look for in a travel insurance policy for Romania.

Main coveragesExplanations and recommendations
🏥 Medical expensesCovers emergency medical care, hospitalization, and doctor’s fees. Seek 24/7 assistance and direct billing where possible.
We recommend a reimbursement limit of at least $100,000.
✈️ Trip cancellationCovers prepaid, non-refundable travel expenses if you need to cancel for a covered reason such as illness or injury.
A minimum of $2,000 is advisable for most trips to Romania.
🧳 Baggage and personal effectsInsures against loss, theft, or damage to your luggage and valuables. Local theft risk is not uncommon.
A limit of $1,500 per insured is suitable.
🚑 Medical evacuation and repatriationPays for medically necessary evacuation to the US or nearest adequate facility. Romania’s care can be limited outside main cities.
A minimum of $100,000 is recommended.
🚗 Personal liabilityProtects against legal claims for accidental injury or damage to others or property abroad. Roads in Romania can be hazardous.
We recommend coverage of at least $50,000.
🕒 Travel delayProvides reimbursement for meals, lodging, and essentials if your travel is delayed for covered reasons.
A daily limit of $150 per person and total of $500 per trip is practical.
💳 24/7 assistance servicesIncludes access to multilingual helpline for legal or medical referrals, translation, or emergency help.
No fixed limit applies, but confirm it’s included in your policy.
🏥 Medical expenses
Explanations and recommendations
Covers emergency medical care, hospitalization, and doctor’s fees. Seek 24/7 assistance and direct billing where possible.
We recommend a reimbursement limit of at least $100,000.
✈️ Trip cancellation
Explanations and recommendations
Covers prepaid, non-refundable travel expenses if you need to cancel for a covered reason such as illness or injury.
A minimum of $2,000 is advisable for most trips to Romania.
🧳 Baggage and personal effects
Explanations and recommendations
Insures against loss, theft, or damage to your luggage and valuables. Local theft risk is not uncommon.
A limit of $1,500 per insured is suitable.
🚑 Medical evacuation and repatriation
Explanations and recommendations
Pays for medically necessary evacuation to the US or nearest adequate facility. Romania’s care can be limited outside main cities.
A minimum of $100,000 is recommended.
🚗 Personal liability
Explanations and recommendations
Protects against legal claims for accidental injury or damage to others or property abroad. Roads in Romania can be hazardous.
We recommend coverage of at least $50,000.
🕒 Travel delay
Explanations and recommendations
Provides reimbursement for meals, lodging, and essentials if your travel is delayed for covered reasons.
A daily limit of $150 per person and total of $500 per trip is practical.
💳 24/7 assistance services
Explanations and recommendations
Includes access to multilingual helpline for legal or medical referrals, translation, or emergency help.
No fixed limit applies, but confirm it’s included in your policy.

Coverage from local providers or bank cards is often limited, with low reimbursement maximums and many exclusions. It is safer to choose a trusted insurer offering full coverage. Compare top options on HelloSafe and subscribe online for instant certification.

The Cost of Travel Insurance for Romania

Trip durationTraveler’s ageIndicative price per person
1 week25 years old$34
2 weeks45 years old$58
1 month35 years old$85
1 month70 years old$160
1 week
Traveler’s age
25 years old
Indicative price per person
$34
2 weeks
Traveler’s age
45 years old
Indicative price per person
$58
1 month
Traveler’s age
35 years old
Indicative price per person
$85
1 month
Traveler’s age
70 years old
Indicative price per person
$160

These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.

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Good to know

The price of your policy is shaped by several key factors: your age, trip duration, destination, and selected options like trip cancellation coverage. It's important to consider these elements to find the right plan for your trip, ensuring you have the coverage you need at a fair price.

💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.

👉 Compare the best travel insurance for freeI compare

How to pay less for your travel insurance to Romania

Here are some suggestions to optimize the cost of your travel insurance to Romania while keeping good coverage:

CriteriaWhy it mattersExpert tip
🏥 Medical coverageMedical care in Romania is less advanced outside major cities, and evacuation to Western Europe can be costly.Choose a plan with sufficient medical coverage but avoid overly high limits unless needed for risky travel.
💳 Deductible sizeHigher deductibles reduce your premium, but you may pay more out of pocket if you need medical care.Opt for a deductible you can handle if needed, as it can significantly reduce your premium upfront.
🌍 Length of stayPremiums rise for longer trips and the Schengen region allows a 90-day maximum per 180 days.Insure only for the exact dates you will be in Romania, avoiding extra “buffer” days.
🧑 Traveler’s agePremiums often go up with age, especially above 60.Compare offers. Heymondo does not increase prices for people over 62, which is uncommon.
👫 Number of travelersGroup policies cover families or friends and commonly offer a lower per-person price.Buy a family or group plan instead of several single policies to save per person.
💼 Activity coverageAdventure sports or high-risk activities are often excluded or drive up prices.Only add special coverage for hazardous activities if you plan to actually do them in Romania.
🩺 Pre-existing conditionsMay either not be covered or increase the cost, especially with complex or chronic illnesses.Declare only important chronic conditions. Shop around for flexible or dedicated policies if you need it.
Key criteria to consider when selecting travel insurance for a trip to Romania.
🏥 Medical coverage
Why it matters
Medical care in Romania is less advanced outside major cities, and evacuation to Western Europe can be costly.
Expert tip
Choose a plan with sufficient medical coverage but avoid overly high limits unless needed for risky travel.
💳 Deductible size
Why it matters
Higher deductibles reduce your premium, but you may pay more out of pocket if you need medical care.
Expert tip
Opt for a deductible you can handle if needed, as it can significantly reduce your premium upfront.
🌍 Length of stay
Why it matters
Premiums rise for longer trips and the Schengen region allows a 90-day maximum per 180 days.
Expert tip
Insure only for the exact dates you will be in Romania, avoiding extra “buffer” days.
🧑 Traveler’s age
Why it matters
Premiums often go up with age, especially above 60.
Expert tip
Compare offers. Heymondo does not increase prices for people over 62, which is uncommon.
👫 Number of travelers
Why it matters
Group policies cover families or friends and commonly offer a lower per-person price.
Expert tip
Buy a family or group plan instead of several single policies to save per person.
💼 Activity coverage
Why it matters
Adventure sports or high-risk activities are often excluded or drive up prices.
Expert tip
Only add special coverage for hazardous activities if you plan to actually do them in Romania.
🩺 Pre-existing conditions
Why it matters
May either not be covered or increase the cost, especially with complex or chronic illnesses.
Expert tip
Declare only important chronic conditions. Shop around for flexible or dedicated policies if you need it.
Key criteria to consider when selecting travel insurance for a trip to Romania.

Can I rely on my current insurance to cover me in Romania?

It’s perfectly reasonable to ask whether your current insurance—like credit card coverage or your health plan—will protect you during a trip to Romania. However, these forms of coverage are often limited or insufficient for unexpected incidents abroad. Only travel insurance gives access to comprehensive medical support and assistance tailored for travelers.

Here is a summary table to help you review your current insurance and what it covers.

Type of InsuranceValid in Romania?What it coversWhy Travel Insurance is better
Public health insurance (Medicare, Medicaid)No, neverNo coverage outside the US. No medical care, hospitalization, or evacuation paid in Romania.Travel insurance covers $100,000+ in care, hospitalization, and repatriation costs abroad.
Private health insurance (Blue Cross, UnitedHealthcare, Aetna)Yes, partlyLimited emergency coverage abroad. Medical evacuation and repatriation usually excluded or capped: $10,000.Travel insurance offers $100,000+ in medical evacuation and 24/7 assistance worldwide.
Classic credit card (Visa Classic, Mastercard Standard, Citibank Basic)Yes, partlyAccidents and limited medical expenses, typically $2,500–$5,000. No baggage, trip cancellation, or theft.Travel insurance covers $100,000+ for medical plus trip cancellation and baggage loss.
Premium credit card (Chase Sapphire Preferred, Amex Gold, Visa Signature)Yes, partlyMedical coverage up to $25,000–$50,000. Some delay/baggage loss support, trip cancellation limits.Travel insurance includes $100,000+ medical, $5,000 trip cancellation, and real-time local support.
Comparison of Insurance Coverage for Travel to Romania
Public health insurance (Medicare, Medicaid)
Valid in Romania?
No, never
What it covers
No coverage outside the US. No medical care, hospitalization, or evacuation paid in Romania.
Why Travel Insurance is better
Travel insurance covers $100,000+ in care, hospitalization, and repatriation costs abroad.
Private health insurance (Blue Cross, UnitedHealthcare, Aetna)
Valid in Romania?
Yes, partly
What it covers
Limited emergency coverage abroad. Medical evacuation and repatriation usually excluded or capped: $10,000.
Why Travel Insurance is better
Travel insurance offers $100,000+ in medical evacuation and 24/7 assistance worldwide.
Classic credit card (Visa Classic, Mastercard Standard, Citibank Basic)
Valid in Romania?
Yes, partly
What it covers
Accidents and limited medical expenses, typically $2,500–$5,000. No baggage, trip cancellation, or theft.
Why Travel Insurance is better
Travel insurance covers $100,000+ for medical plus trip cancellation and baggage loss.
Premium credit card (Chase Sapphire Preferred, Amex Gold, Visa Signature)
Valid in Romania?
Yes, partly
What it covers
Medical coverage up to $25,000–$50,000. Some delay/baggage loss support, trip cancellation limits.
Why Travel Insurance is better
Travel insurance includes $100,000+ medical, $5,000 trip cancellation, and real-time local support.
Comparison of Insurance Coverage for Travel to Romania
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Example

While hiking in Romania's Carpathian Mountains, Mark suffered a severe leg fracture. Emergency surgery at a private clinic cost $18,000. His Chase Sapphire Preferred card's travel benefit only covered $2,000, and his US health plan deemed the clinic "out-of-network," leaving him with a massive $16,000 bill for his adventure.

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Expert advice

Always check your existing insurance for its terms, exclusions, and limits. Critical situations, like trip interruption due to a relative’s illness or death, might be excluded. Read the conditions carefully to avoid surprises abroad. In all cases, it is safer and more reassuring to get dedicated travel insurance tailored to your trip.

FAQ

Do I need a visa to travel to Romania?

U.S. citizens do not need a tourist visa to visit Romania for stays up to 90 days within any 180-day period. Travelers must have a valid U.S. passport with at least three months beyond the date they plan to leave Romania. Overstaying the permitted duration may result in penalties or denied future entry.

How do I purchase travel insurance for Romania?

Start by comparing different policies using the HelloSafe travel insurance comparison tool to find the coverage that best fits your needs. Then, review the specific cover and exclusions for Romania, checking guarantees and limitations carefully. Next, purchase the policy online through the chosen provider. Once completed, you will receive your insurance certificate by email.

Does my U.S. health insurance cover me in Romania?

Most U.S. health insurance plans, including Medicare, do not offer coverage overseas. Travelers are typically responsible for all medical expenses incurred in Romania. Emergency care, hospital stays, or medical evacuation can involve significant costs, so purchasing dedicated travel insurance is strongly recommended.

What should I look for in travel insurance for Romania?

Focus on policies covering at least $50,000 in emergency medical expenses and $100,000 or more for medical evacuation. Consider coverage for trip cancellations, baggage loss, and personal liability. Make sure the policy covers pre-existing conditions if these are a concern for your trip.

Are there special requirements for driving in Romania as a tourist?

To drive in Romania with a U.S. license, you must also obtain an International Driving Permit before your trip. Insurance for rental cars is usually available but may exclude certain types of incidents. Make sure your travel insurance or car rental coverage includes liability and collision protection.

Is there a risk of natural disasters in Romania and does travel insurance cover it?

Romania is in a seismically active region, and earthquakes are possible, especially in Bucharest. Some travel insurance plans may offer trip interruption or delay benefits in case of natural disasters. Check your policy terms carefully to confirm coverage for such events before purchasing.

Do I need a visa to travel to Romania?

U.S. citizens do not need a tourist visa to visit Romania for stays up to 90 days within any 180-day period. Travelers must have a valid U.S. passport with at least three months beyond the date they plan to leave Romania. Overstaying the permitted duration may result in penalties or denied future entry.

How do I purchase travel insurance for Romania?

Start by comparing different policies using the HelloSafe travel insurance comparison tool to find the coverage that best fits your needs. Then, review the specific cover and exclusions for Romania, checking guarantees and limitations carefully. Next, purchase the policy online through the chosen provider. Once completed, you will receive your insurance certificate by email.

Does my U.S. health insurance cover me in Romania?

Most U.S. health insurance plans, including Medicare, do not offer coverage overseas. Travelers are typically responsible for all medical expenses incurred in Romania. Emergency care, hospital stays, or medical evacuation can involve significant costs, so purchasing dedicated travel insurance is strongly recommended.

What should I look for in travel insurance for Romania?

Focus on policies covering at least $50,000 in emergency medical expenses and $100,000 or more for medical evacuation. Consider coverage for trip cancellations, baggage loss, and personal liability. Make sure the policy covers pre-existing conditions if these are a concern for your trip.

Are there special requirements for driving in Romania as a tourist?

To drive in Romania with a U.S. license, you must also obtain an International Driving Permit before your trip. Insurance for rental cars is usually available but may exclude certain types of incidents. Make sure your travel insurance or car rental coverage includes liability and collision protection.

Is there a risk of natural disasters in Romania and does travel insurance cover it?

Romania is in a seismically active region, and earthquakes are possible, especially in Bucharest. Some travel insurance plans may offer trip interruption or delay benefits in case of natural disasters. Check your policy terms carefully to confirm coverage for such events before purchasing.

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A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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