Travel Insurance
Key characteristics
- Complex product with multiple options
- Coverage also for winter or summer sports
- Additional option: Health Care Travel Suport
If you have planned a vacation or are going abroad in the interest of work, it would be good to put in your luggage a travel insurance, so that, in case of an accident or illness, you have the security to cover the expenses with medical services.

Risks covered
- emergency medical treatment costs (including costs for: medicines, diagnosis and hospitalization)
- repatriation costs for further treatment in the country
- repatriation of the body in case of death
- expenses for the transport performed by the ambulance services, to the nearest hospital or to the nearest doctor
- emergency surgical treatment
- emergency dental treatment
- In addition, luggage can be secured.
The coverage by this travel insurance is valid in the countries mentioned in the policy as well as in the transit ones.
Excluded risks
- chronic diseases and their consequences.
- diseases or accidents that are the result of war and similar events or active participation in riots.
- suicide, suicide intention, self-harm.
- illnesses or accidents that the insured person has caused intentionally or by committing a crime, or as a result of the consumption of alcohol, drugs or medications.
- plastic and repair surgery to remove physical defects or malformations.
- expenses incurred for rest or recovery treatment (physiotherapy) in clinics, resorts, spas, sanatoriums, convalescent homes or similar institutions.
- psychiatric or psychotherapeutic treatment.
- pregnancy.
- expenses incurred for the purchase, replacement or repair of prostheses of any kind and / or eyeglasses.
- treatments or medical assistance provided in Romania.
- surgical interventions or medical treatments that can be postponed until the return of the Insured to the country.
- medicines or medical treatments necessary to be administered or granted during the trip abroad and which were known or prescribed before the start of the trip.


Excluded risks:
- chronic diseases and their consequences
- diseases or accidents that are the result of war and similar events or active participation in riots
- suicide, suicide intention, self-harm
- illnesses or accidents that the insured person has caused intentionally or by committing a crime, or as a result of the consumption of alcohol, drugs or medications
- plastic and repair surgery to remove physical defects or malformations
- expenses incurred for rest or recovery treatment (physiotherapy) in clinics, resorts, spas, sanatoriums, convalescent homes or similar institutions
- psychiatric or psychotherapeutic treatment
- pregnancy
- expenses incurred for the purchase, replacement or repair of prostheses of any kind and / or eyeglasses
- treatments or medical assistance provided in Romania
- surgical interventions or medical treatments that can be postponed until the return of the Insured to the country
- medicines or medical treatments necessary to be administered or granted during the trip abroad and which were known or prescribed before the start of the trip

The price of insurance
The price of a medical insurance for trips abroad is established depending on the duration and purpose of the trip, the destination country and the age of the insured. Go quietly on the dream vacation! Now with travel insurance from Destine Insurance Broker-Reinsurance everything is simpler. The travel insurance is flexible to your needs and saves you from additional expenses.In order to better understand this type of insurance we invite you to schedule an appointment with a Destine Broker consultant, here.
Health Insurance Health Care Travel Support from Signal Iduna
This travel insurance complements the medical assistance insurance abroad, (it is a supplement of this insurance) offering the insured the possibility to benefit, upon returning to Romania, from the continuation of the medical services started abroad.
The insurer covers only medically necessary treatments related to illnesses, disorders, or bodily injuries that occur and are covered during the validity period of the health insurance abroad.
The health insurance contract is concluded either at the same time or after the foreign health care insurance is arranged, before the trip begins (but no later than when the foreign health care insurance takes effect).
Exclusions from Medical Service Coverage by the Insurer
(1) The aftermath of war or war-like events, participation in the service including military peacekeeping missions outside Romania.
(2) The consequences of terrorist attacks, riots, riots, riots or circumstances exceptional (serious threat to public order or internal security).
(3) The consequences of nuclear radiation, fusion, fission and acceleration of particles.
(4) The consequences of earthquakes, floods and other natural disasters.
(5) The consequences of the intentional (premeditated) actions of the Insured persons.
(6) Obtaining by fraudulent means the insurance payments, respectively the deliberate misleading of the Insurer.
(7) Committing, attempting to commit, as well as the participation of the Insured in committing a deed penalty provided by law.
(8) The consequences of the consumption of alcohol, drugs, other toxic substances, and methods of detoxification, including their consequences.
(9) Experimental medicine, including its consequences.
(10) Participation as a subject in medical, chemical studies, scientific research related to health even if they are not declared as such, including their consequences.
(11) Self-treatment / self-medication, including its consequences.
(12) Medical services that are not medically necessary.
(13) Medical Services which are the consequences of a Treatment prescribed and not followed by a Secure.
(14) Suicide attempts, including their consequences.
(15) Epidemics, pandemics recognized by the competent authorities.
Anyone between the ages of 1 and 64 can take out Health Care health insurance.


Health Insurance Health Care Travel Support from Signal Iduna
This insurance complements the medical assistance insurance abroad, (it is a supplement of this insurance) offering the insured the possibility to benefit, upon returning to Romania, from the continuation of the medical services started abroad.
The insurer covers only medically necessary treatments related to illnesses, disorders, or bodily injuries that occur and are covered during the validity period of the health insurance abroad.
The health insurance contract is concluded either at the same time or after the foreign health care insurance is arranged, before the trip begins (but no later than when the foreign health care insurance takes effect).
Exclusions from Medical Service Coverage by the Insurer
(1) The aftermath of war or war-like events, participation in the service including military peacekeeping missions outside Romania.
(2) The consequences of terrorist attacks, riots, riots, riots or circumstances exceptional (serious threat to public order or internal security).
(3) The consequences of nuclear radiation, fusion, fission and acceleration of particles.
(4) The consequences of earthquakes, floods and other natural disasters.
(5) The consequences of the intentional (premeditated) actions of the Insured persons.
(6) Obtaining by fraudulent means the insurance payments, respectively the deliberate misleading of the Insurer.
(7) Committing, attempting to commit, as well as the participation of the Insured in committing a deed penalty provided by law.
(8) The consequences of the consumption of alcohol, drugs, other toxic substances, and methods of detoxification, including their consequences.
(9) Experimental medicine, including its consequences.
(10) Participation as a subject in medical, chemical studies, scientific research related to health even if they are not declared as such, including their consequences.
(11) Self-treatment / self-medication, including its consequences.
(12) Medical services that are not medically necessary.
(13) Medical Services which are the consequences of a Treatment prescribed and not followed by a Secure.
(14) Suicide attempts, including their consequences.
(15) Epidemics, pandemics recognized by the competent authorities.
Anyone between the ages of 1 and 64 can take out Health Care health insurance.

Are you going on vacation? Don’t Forget About Healthcare Travel Support!
Healthcare Travel Support covers medical services in the country if a medical need arose during the trip abroad. In the first 30 days from the moment you return to the country, you benefit from medical services both on an outpatient and in hospital basis.
Insurance benefits
- Consultations and controls
- Laboratory tests
- Medical investigations
- Outpatient treatments
- Surgery that does not require hospitalization
- Accommodation
- Surgery
- Medications provided in hospital