Insurance in Romania: when do you need to take out a policy and what kind?

Travelling to Romania is a great opportunity to see Europe, solve work or household issues, or just relax. But even a short trip can result in unforeseen expenses without proper insurance coverage. Find out more about who needs insurance, what policies are valid in Romania, and how to apply for them in advance

An insurance policy is a guarantee of your safety and peaceful stay outside Ukraine

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Travelling to Romania from Ukraine is becoming increasingly popular - both for tourism and for practical reasons: employment, study, transit to other EU countries. One of the main questions before travelling is whether you need to take out insurance. And if so, what kind and where is the best place to buy it?

To avoid unnecessary expenses and problems at the border, it is worthwhile to deal with the issue of insurance in advance. We'll tell you who needs to take out an insurance policy when entering Romania and when, in the article below.

Read more about travelling from Ukraine to Romania, as well as about crossing the border, customs control and legalisation of your stay here.

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Who needs insurance to enter Romania?

- Tourists. If you are travelling to Romania as a tourist for a short stay (up to 90 days within 180 days), insurance is not required under the visa-free rules. However, it is highly recommended, as in case of an accident or illness, the costs of treatment in the EU can be high. The policy is also often checked by border guards, especially when crossing by road.

- Students and employees. If you plan to stay in Romania on the basis of study or employment, insurance is already mandatory. In most cases, it is a condition for obtaining a long-term visa or residence permit. The policy must cover the entire period of stay and meet EU standards.

For more informationon the cost of living in Romania, follow this link.

Do I need health insurance to travel to Romania on a visa-free basis?

Although Ukrainian citizens are not required to have health insurance to enter Romania with a biometric passport, it is highly recommended. Visa-free travel allows you to stay in the Schengen area for up to 90 days, but in case of illness or injury, the cost of treatment in Romania can be very high. An insurance policy will protect you from unexpected financial expenses.

Read more about crossing the Ukraine-Romania border by car here.

Insurance for refugees and temporary migrants from Ukraine

Ukrainian citizens who have been granted temporary protection in Romania have access to local health insurance. This policy is funded by the state and covers basic medical services. At the same time, it is valid only on the territory of Romania and ceases to be valid upon leaving the country.

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Green card for entry to Romania

If you are travelling to Romania by car, it is mandatory to have a Green Card - an international motor third party liability insurance policy. Without it, crossing the border will be impossible.

Read more about compulsory car insurance in Romania here.

On the Visit Ukraine portal, you can apply for a Green Card online in just a few minutes.

General requirements for insurance policies for travelling to Romania

For short-term trips (tourism, visits to relatives, etc.), the recommended policy should:

- Cover the entire EU or at least Romania;

- Have a cover of at least EUR 30,000;

- Include treatment for COVID-19 and complications;

- Be valid for the entire period of stay.

For long-term trips (work, study), the insurance must comply with the terms of Romanian immigration law - often requiring a contract with an insurance company with a representative office or accreditation in the country and coverage of at least EUR 50,000.

For more informationon fines for drivers in Romania, please follow this link.

What kind of insurance can I get in Romania?

- Local Romanian insurance. This policy is mostly suitable for those planning a long-term stay, for example, for study or work. It meets the requirements for obtaining a residence permit, but has a number of disadvantages. First of all, it is valid exclusively in Romania, so when you travel to other EU countries, the medical coverage ceases to be valid. In addition, obtaining such a policy is often more expensive than with Ukrainian companies and requires more time, as well as language skills or third-party assistance.

- Insurance through Ukrainian insurers. On the Visit Ukraine portal, you can quickly purchase a policy that meets all the requirements for entering the EU: medical and travel insurance covering COVID-19, hospitalisation, emergency care and additional options. The policy is sent by email immediately after payment, so you get full protection before you cross the border. This option is more convenient, affordable and guarantees compliance with all European standards.

What does the insurance cover that can be issued at Visit Ukraine?

When choosing an insurance policy for a trip to Romania, it is important to understand what risks are covered by different insurance options. Visit Ukraine offers both medical and travel insurance policies that meet all the requirements of the Schengen Agreement and provide financial protection in case of unforeseen circumstances during your stay in Romania.

Health insurance on the Visit Ukraine portal

The health insurance policies available on Visit Ukraine provide comprehensive protection during your stay in Romania, including emergency medical care, COVID-19 treatment, and reimbursement of transportation costs in case of emergency.

The Europe Classic policy provides basic coverage:

- Emergency outpatient and inpatient care.

- Diagnosis and treatment of COVID-19 if medically indicated.

- Coverage for medical transportation to the nearest medical facility.

- Insurance in case of an accident.

- Emergency dental care.

- Costs of repatriation of the body in case of death abroad.

The Europe Classic Plus policy provides extended coverage, including all the benefits of the Classic policy with additional services, such as

burial arrangements abroad and extended protection in case of emergency.

Travel insurance on the Visit Ukraine platform

If you are planning a short-term trip to Romania, you can choose from a variety of travel insurance options with different levels of protection.

The Europe Basic policy includes:

- Treatment and diagnosis of COVID-19.

- Medical assistance in case of an accident.

- Repatriation of the body in case of death.

- Emergency medical, obstetric and dental care.

- Medical evacuation in case of emergency.

Europe Comfort policy provides extended insurance coverage and additionally includes:

- Expenses for defence of the insured person's rights and legal advice.

- Compensation in case of flight delay or cancellation.

- Coverage of expenses for restoration of documents in case of their loss or theft.

- Protection in case of loss of luggage.

The most comprehensive coverage is offered by the Europe VIP policy, which, in addition to all the above services, includes

- Legal protection in the event of an accident.

- Organisation of delivery to the destination in case of car breakdown.

- Comprehensive support in case of loss or theft of documents.

How much does insurance cost on Visit Ukraine?

Health insurance

Travel insurance

Why is it worth taking out travel insurance for a trip to Romania on Visit Ukraine?

- A wide range of insurance programmes adapted to the different needs of travellers - from tourist trips to long-term stays.

- Instant online registration.

- Affordable tariff plans with transparent pricing conditions and no hidden fees.

- Round-the-clock customer support to help you solve any situation during your stay in Germany.

- Guaranteed quality of insurance services from trusted companies.

Are you planning a trip to Romania?

Apply for a policy quickly and conveniently on Visit Ukraine! The insurance meets all the requirements for entering the EU and provides reliable protection during your stay abroad.

Apply for insurance online in a few minutes and travel without worries!

Just a reminder! Ukrainian citizens are frequent visitors to neighbouring Romania and it is not uncommon for them to travel by private car. Read here whether Ukrainian drivers need to have a technical inspection document to cross the border and enter this country.

Photo: iStock

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Visit Ukraine Insurance – insurance covering military risks for entry and travel in Ukraine;

Visit Ukraine Car Insurance – car insurance with extended coverage in Ukraine;

Visit Ukraine Legal Advice – comprehensive legal support on entry to Ukraine;

Visit Ukraine Tickets – bus and train tickets to/from Ukraine;

Visit Ukraine Tours – the largest online database of tours to Ukraine for every taste;

Visit Ukraine Hotels – hotels for a comfortable stay in Ukraine;

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