Travel insurance when travelling to Romania

NAME: Axel Strauss
DATE: May 2024

Romania welcomes over 10 million international visitors each year. 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?
• What does AXA Schengen travel insurance for Romania cover?
• 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, but not completely. As of March 31, 2024, Romania and its neighbor Bulgaria became the two newest members to be integrated into the Schengen Area.

However, while both Romania and Bulgaria have integrated air and sea borders, as of mid-May 2024 the inclusion of land borders was still awaiting a final decision by the EU Council.

This basically means that the air and sea borders between Romania and other Schengen countries — not the land borders — are open.

And like other non-Schengen European countries, Romania doesn’t yet issue Schengen visas either.

But fear not — AXA has all you need to know about Romania's and Bulgaria’s partial Accession to Air Schengen if you’re curious.

Do I need a Schengen visa to enter Romania?

Regarding what you need to get there — aside from your passport and itinerary, you also might need a Schengen visa. And that depends on your nationality and — well, on how you choose to get there (i.e., by land, air, or sea). So here's a quick overview:

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

For instance, so long as you’re entering by air or sea, you don't need a Schengen visa if:

• you’re already a national of the Schengen area and/or one (or more) of the ​European countries not in the Schengen;
• your nationality* qualifies you for visa-free travel in the Schengen Area.

*This includes passport holders from Australia, Brazil, Canada, Hong Kong, Japan, Mexico, the U.K.,* the U.S., and roughly 50 more nations — i.e., citizens of non-EU countries (and/or territories) that have signed a visa exemption agreement with the EU.

Who needs a Schengen visa to enter Romania?

You will, however, need a Schengen visa for Romania if you're entering by land and your nationality requires a visa for the Schengen Area in general.

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

Need help figuring out whether you need a visa? AXA can tell you if you need a Schengen visa in a matter of minutes.
And if you do — we can also tell you:

• How to apply for a Schengen visa;
• Types of Schengen visa;
• Schengen visa costs;
• What documents are required for the Schengen visa (such as the Schengen visa photo requirements and so on).

IMPORTANT: But remember that Romania itself does not yet issue Schengen visas. So if you do need a visa — you'll need to apply through another Schengen member country's embassy or consulate.

PRO-TIP: And you should also double-check with the official website of the Romanian Ministry of Foreign Affairs — as well as any information provided by your home country's government — before booking that flight, train, ship, or other.

Is travel insurance mandatory for Romania?

Travel insurance is not mandatory for Romania if you don't require a Schengen visa. However, 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.

Still, unexpected situations can always occur. And whether you're exploring 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 likely, medical costs abroad can be quite high. Plus navigating the Romanian healthcare system can prove challenging — given that the Romanian language is 1,700 years old, 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.

What does AXA Schengen travel insurance for Romania cover?

And that’s where AXA comes in. For example, if you need a Schengen Visa — AXA offers three comprehensive plans, all of which meet the requirements for being granted one:

• a minimum coverage of €30,000 (in case of medical care, hospitalization, and/or medical repatriation);
• accepted by ​​all countries within the Schengen zone;
• valid for the entire duration of your trip/stay.
• Our plans have no age restrictions either.

Your AXA plan goes into effect on the day of your purchase, and our travel insurance certificate can be downloaded (and/or printed) online instantly. And it’s also accepted by all Schengen consulates, embassies, and VFS Global centers worldwide.

Moreover, in case your Schengen visa is denied, AXA’s plans are refundable in most cases. We’ll only ask that you provide the appropriate documentation (i.e., an official explanation as to why your visa was refused by the relevant embassy, consulate, or visa application center).

But even if you don’t need a visa, said three comprehensive plans — i.e., Low-Cost, Europe Travel, and Multi-Trip — also offer:

• Up to €100,000 coverage in medical expenses;
• Medical repatriation & transport;
• Remote medical consultation — 24 hours a day, wherever you are (known as “​Doctor, Please!”);
• Up to 180 days of coverage;
• Coverage in all Schengen and most European Union countries, including the U.K. (depending on the chosen plan, that is).

Not to mention peace of mind, security, and one less big thing to worry about. S
o no matter your mode of travel to Romania — learn more about and compare our 3 plans before you hit the road (or book that Schengen visa appointment). With AXA, you and your family are sure to be in good hands — be it partially or fully in the new Romanian portion of the Schengen zone. ​​

Do you cover emergency medical costs related to COVID-19?

Yes. AXA will cover medical costs related to COVID-19 — so long as you haven't traveled against World Health Organization advice, personal medical advice from your doctor, and/or the advice/regulations of any other government body in your home country (or those of Romania).

To that end, our electronic certificates — which can be purchased instantly on the AXA-Schengen website — include the following disclaimer: “Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy.”

This, in turn, will satisfy any embassy rules that state you must get an insurance certificate with COVID protection.

What COVID-19 restrictions does Romania have, by the way?

As of early 2022, COVID-19 restrictions in Romania, the Schengen Area, and most of the EU have been lifted. However, things can change quickly — so having comprehensive travel insurance is wise.

AXA also recommends you stay up-to-date regarding COVID-19 in the Schengen — new and old — via the World Health Organization, the official website of the EU, and Romania’s Ministry of Health.

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

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

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.

List of Emergency Numbers in Bulgaria

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) — that is, again, 112.

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

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 Exchange
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. As of mid-2024, the exchange rate is approximately:

1 RON = 0.51 Euros (EUR) = 0.55 US Dollars (USD)

But double-check the latest exchange rate before you go!

Safety
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
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
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
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
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
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”)!