Travel insurance when travelling to Romania

NAME: Axel Strauss
DATE: Feb 2025

Romania welcomes over 10 million international visitors each year. And with its medieval castles, ancient towns, and bustling modern urban terrains. Rich history and an unparalleled, vibrant culture. Breathtaking green landscapes, sprawling Carpathian Mountains, sunny beaches along the Black Sea coast — and much, much more. It’s no wonder the enigmatic South-Eastern European republic is an increasingly popular travel destination.

And if you’re planning a trip to the birthplace of both Dracula and the earliest Homo sapiens fossils ever discovered (Google it) — then you might be thinking about the right travel insurance for your trip. In which case, AXA can help. Here’s all you need to know.

• Is Romania a Schengen member country?
• Do I need a Schengen visa to enter Romania?
• Is travel insurance mandatory for Romania?
• Why choose AXA Schengen travel insurance for Romania?
• What travel insurance options does AXA offer for Romania?
• What should I do if I am ill or injured while in Romania?
• What else should I know when prepping for my trip to Romania?

Is Romania a Schengen member country?

Yes. As of 2025 — less than a year after Romania’s (and neighboring Bulgaria's) partial accession to the Schengen — both nations have officially joined the ranks of Europe’s dozens of Schengen countries.This basically means extended visa-free Schengen travel for millions of Romanians and their neighbors.

But it also means that millions more will now need to have a Romanian Schengen visa to enter the country from outside of the Schengen (and/or the European Union).

Meanwhile, in order to get that visa, you’ll first need to have the proper documentation — including the right Schengen travel insurance coverage (which we’ll explain below).

Do I need a Schengen visa to enter Romania?

Again, as of January 1st,2025, you might. And that depends on both the purpose and length of your trip and — first and foremost — your nationality. So here's a quick breakdown of who does and who doesn’t:

Who does not need a Schengen visa for Romania (for stays of less than 90 days)?

For instance, you don't need a Schengen visa for a trip to Romania — for three months or less — if:

-you’re already a national of the Schengen area and/or the EU;

-a national of one of the 60+ countries that don’t need a Schengen visa due to their visa-exemption agreements with the EU — such as Australia, Brazil, Canada, Hong Kong, Japan, Mexico, the U.K., and the U.S., for example.

If you fall into one of the two categories above, you can generally enter Romania — and stay for up to 90 days — with just your itinerary and biometric passport.*

*PRO-TIP: Keep in mind that your passport should be issued no more than 10 years prior to and valid for at least 90 days after your planned date of departure from Romania (and/or the Schengen zone).

Who needs a Schengen visa to enter Romania?

You will, however, need a Schengen visa for Romania if you're a citizen of the remaining 100+ countries worldwide that have yet to sign a visa-waiver agreement with the EU.

This includes nationals of any African nation, most Middle Eastern nations, China, India, Russia, and nearly a hundred more countries. so on.

PRO-TIPS:

While the European Commission has full lists of countries whose citizens are and are not exempt from a visa, AXA can also tell you if you need a Schengen visa in no time.

Moreover, if you do, we also have:

-a comprehensive step-by-step guide to getting your Schengen visa to Romania;

-info about the different types of Schengen visa you have to choose from

-details about Schengen visa costs

…and plenty more informative Schengen visa fun throughout our site — so just click around!

Is travel insurance mandatory for Romania?

So, again — that will depend on your visa situation.
Because if you do need that Schengen visa to enter Romania, then travel insurance for Romania is indeed mandatory — as it is one of the main requirements for being granted one.

Not only that, but to be eligible for that Romanian visa, your insurance plan should adhere to certain specific criteria (but more on that below!).

I don’t need a Schengen Visa. Do I still need travel insurance?

Technically, no. Travel insurance is not mandatory for Romania if you don't require a Schengen visa. However, remember that unexpected situations can arise anywhere — and prioritizing your well-being is key.

Romania boasts stunning scenery, a rich history, delicious food, and much, much more. And it’s also relatively safe — being a top tourist destination and all.

But whether you're scaling the dramatic Bran Castle (that’s Dracula's Castle, by the way), wandering the charming medieval town of Brasov, or simply relaxing on the sunny Black Sea coast — there's always a chance of needing medical attention or support.

Moreover, while the chance of vampires is unlikely, medical costs abroad can be quite high. Plus navigating the Romanian healthcare system can prove challenging — given that the Romanian language is not easy (being 1,700 years old and all), and not everybody necessarily speaks English.

In short — having the proper travel insurance ensures you're looked after 24/7, from exploring the Palace of Parliament in Bucharest to scaling the Carpathian peaks to everything in between.

Why choose AXA Schengen travel insurance for Romania?

And as for not only the proper but also most top-quality, affordable, and comprehensive travel insurance this side of the Black Sea? Well, here are just a few reasons why AXA is the way to go.

First off, as far as that Schengen visa goes — all of AXA’s plans meet the requirements for being approved for one. Just in case, said requirements stipulate that your plan:

-is purchased from an insurance company validated by the consular authorities of all Schengen countries;

-has a minimum coverage of €30,000 (in case of medical care, hospitalization, and/or medical repatriation);

-is accepted by all countries within the Schengen zone (not only Romania)

-is valid for the entire duration of your trip/stay.

Not only that, but we offer:

-Up to €100,000 coverage in medical expenses;

-Medical repatriation & transport (including in case of death);

-Up to 180 days of coverage;

-Coverage in all Schengen and all European Union countries; + the U.K. — depending on the chosen plan;

-24/7 assistance;

-And free Video and Phone Medical Consultations in English, French, and a number of other languages.

Furthermore, our plans have no age limit, zero deductibles, and you don’t need a medical exam to be approved.

Meanwhile, getting an AXA plan is as easy as can be — it can all be done online, with just a few clicks, and in a matter of minutes.
And AXA’s travel insurance certificate — which is accepted by all Romanian (and other Schengen) consulates, embassies, and/or visa application centers worldwide — can then be instantly downloaded (and/or printed) online too.

And — last but not least — if for some reason your Romanian visa is denied, AXA’s plans are refundable in most cases.
You’ll just need to provide an official explanation from the Romanian embassy, consulate, or visa application center as to why it was refused.

What travel insurance options does AXA offer for Bulgaria?

In terms of the plans themselves, AXA offers three comprehensive sure ways to both help get you to and keep you safe in Romania. And they are:

1) Our Low-Cost travel insurance — i.e., the best option for the budget-conscious traveler. This basic but comprehensive coverage:
-meets all Schengen visa requirements;
-covers up to €30,000 in medical expenses (along with hospitalization and repatriation, including in case of death);
-and covers you throughout Romania, all other Schengen countries, and the European microstates of Andorra, Monaco, San Marino, and Vatican City.

2) Europe Travel, on the other hand, is perfect for those going to Romania with family, the more adventurous among us, and/or those looking to venture further across Europe, as it:
-also meets all the Schengen visa requirements:
-covers medical expenses of up to €100,000;
-offers additional benefits (like protection for lost documents and/or valuables, for example);
-and covers you in Romania, all Schengen countries, the European microstates above, all EU member states, and the U.K.

3) And if you’re a frequent traveler, going to Romania/Europe on business, and/or are applying for a multi-entry Schengen visa — then Multi-Trip Travel insurance is the way to go.
With “Multi-Tirp,” your coverage also:
-meets all the Schengen visa requirements:
-covers medical expenses of up to €100,000;
-offers additional benefits;
-and covers you in Romania, all Schengen countries, the European microstates above, all EU member states, and the U.K.
But unlike “Low-Cost” and “Europe Travel” — AXA’s “Multi-trip” covers you and your family for an entire year!

So before as you prep your trip (and/or visa application), make sure to compare AXA’s different options and get an instant free AXA quote to boot.

Because with the right AXA plan, your Romanian adventures — and, if need be, the Schengen visa to make them happen — are sure to be worry-free from start to finish!

What should I do if I am ill or injured while in Romania?

If you’ve opted for an AXA plan — just contact our AXA call center (don’t worry, the phone number will be included with your insurance policy too).

Our medical assistance professionals are available 24/7 to support you, answer your questions, and guide you through any situation. They can also help locate a medical center best suited to your needs and/or closest to your location.

IMPORTANT: But when contacting AXA's 24/7 call center, be sure to have the following information ready:

-Your policy number (starting with "SCH");

-Your contact information (including phone number and local contact details, if applicable);

-Your dossier number (provided during your first call).

PRO-TIP: Keep copies of any medical bills or receipts.

Emergency Numbers in Romania

When it comes to Romania, the number for general emergencies, ambulances, the fire department, and the police is universal (and similar to many other parts of Europe) — and that number is 112.

But there is also the option of “961” for private ambulance services.

BONUS PRO-TIP: And the Erasmus Student Network in Bucharest provides a few more handy phone numbers if you need.

What else should I know when prepping for my trip to Romania?

And, finally, here are some additional details to consider for a smooth and enjoyable trip:

Currency in Romania

IMPORTANT: Romania's official currency is the Romanian Leu (RON)* — not the Euro. So while Euros are accepted in some tourist areas, we highly recommend having some Leu on hand — especially in smaller towns and villages. ATMs and currency exchange centers are widely available in major cities and tourist areas.

*PRO-TIP: You can check the European Central Bank for the latest exchange rates.

Safety in Romania

Romania boasts a very low crime rate. However, as with any top travel destination, staying vigilant in crowded areas and on public transportation is important. Keep an eye on your belongings, avoid carrying excessive cash, and have those emergency numbers handy (and your phone charged!).

Public Transportation in Romania

Romania offers a well-developed public transportation system for both short and long distances. For example, CFR — i.e., the Romanian national railway company — provides extensive train schedules and routes throughout the country (with online ticket booking available). Most cities also have extensive bus networks operated by public transport companies.

PRO-TIP: Consider purchasing a travel card for unlimited travel on public transportation in major cities like Bucharest.

Driving in Romania

Exploring Romania by car? A valid driver's license from your home country is sufficient for up to six months. An International Driving Permit (IDP) is not mandatory but recommended.

Ride-hailing apps like Bolt and Uber are also readily available in most major Romanian cities.

PRO-TIP: Romania follows standard European road rules.

Weather in Romania

Romania experiences four distinct seasons. The summers are generally warm and sunny, with average highs around 27°C (81°F) — i.e., perfect for enjoying the Black Sea coast.

Comfortable temperatures abide during Spring and Autumn usually too (with rain, however, not being uncommon).

The winters, however, can be chilly — especially in mountainous areas, with average lows around -3°C (27°F).

So pack a few layers and rain gear, and bundle up for that Romanian winter if need be.

Opening Hours in Romania

Most shops in Romania operate from 10:00 am to 7:00 pm on weekdays and shorter hours on Saturdays (typically until 4:00 pm).

Many shops are closed on Sundays — especially in smaller towns.

However, shopping centers and malls in major cities and tourist areas will often have extended hours, often staying open on Sundays too. It depends on the tourist flow, basically.

Restaurants in Romania

Romanian restaurants typically open for lunch around noon to 3:00 pm, and for dinner from 6:00 pm to 10:00 pm. Some restaurants close between lunch and dinner though.And reservations are recommended — especially during weekends and peak tourist season (July-August), and especially in the capital and its surroundings.

Tipping in Romania, meanwhile, is customary but not mandatory. Typically, a 10% tip is appreciated.

Romanian Cuisine

And you’ll likely want to tip —because Romanian cuisine is a delicious blend of historic influences offering a variety of fresh and flavorful dishes. Here are four must-try recommendations (courtesy of both AXA and the locals), for example:

Sarmale: Savory stuffed vine leaves or cabbage leaves with minced meat and rice.

Gulaş (Goulash): A hearty stew of beef, vegetables, and paprika.

Mici: Grilled, sausage-like minced meat kebabs served with mustard and bread.

Poale în brânză: Flaky pastries with a delicious cheese filling.

Also consider trying a traditional Romanian "Tuica" (a strong plum brandy) — but sip responsibly. And explore the local food markets — near and far — for fresh produce, cheese, and other Romanian specialties.

And so, Romania awaits you — with its rich history, breathtaking scenery, and welcoming people. So ensure a smooth and enjoyable adventure with proper planning, the travel tips above, and — of course — the right AXA Schengen travel insurance.

Calatorii Sigure (i.e., “safe travels”)!

RELATED ARTICLES:

• How to choose the best Schengen travel insurance
• What is a Schengen visa?
• Schengen visa requirements

FAQ

Can I work or study in Romania with a tourist visa?

No. The tourist (or Type C) allows visitors to enter the Schengen zone for a short business trip, a holiday, or to visit family members. However, it cannot be converted into a work or study permit.

Can I use my European health insurance card in Romania?

Yes. Romania is a member of the European Union, and so your European Health Insurance Card (i.e., EHIC) is valid for medically necessary treatment during a temporary stay in any EU country. This means you'll receive treatment* under the same conditions — and at the same cost — as Romanian citizens.

IMPORTANT NOTE: However, the EHIC does not cover repatriation or medical care in private practice — which is just one more reason travel insurance is a good call.

Can I take out AXA Schengen travel insurance on behalf of someone else?

Yes. With AXA, you can purchase a plan for guests and/or loved ones. You’ll just need to provide their personal info — such as their DOB, address, passport number, and itinerary.