- If you require a Schengen visa for Romania, travel medical insurance is a requirement, and must offer at least 30,000 EUR in medical coverage.
- Travel insurance comes in two policy types: travel medical insurance and comprehensive travel insurance.
- Be sure that your travel insurance policy provides at least 120,000+ EUR in evacuation coverage and complication coverage for elective procedures in Romania.
- Romania is currently rated a Level 1 – Exercise Normal Precautions, though travelers should be sure to check the State Department’s travel advisory prior to their trip.
Do You Need Travel Insurance for Romania?
If you require a Schengen visa to enter Romania, purchasing compliant travel insurance is strictly mandatory. To understand the specific policy rules and coverage limits for your trip, please review our Schengen Visa Travel Insurance Requirements page.
For Schengen visa applicants: To successfully apply for a visa, you must provide proof of a travel medical insurance policy with a minimum coverage of €30,000.
For non-visa travelers: Travelers holding passports from countries like the U.S., U.K., or Canada are not legally required to carry insurance to enter Romania, though securing a policy is strongly recommended.
Types of Travel Insurance Policies
There are two types of travel insurance policies: travel medical insurance and comprehensive travel insurance.
Travel medical insurance focuses specifically on health emergencies, covering unexpected expenses like hospital visits, medical evacuations, and prescriptions. This type of insurance is strictly mandatory for anyone applying for a Schengen visa.
Comprehensive travel insurance is recommended for U.S. citizens and residents traveling to Romania, and can cover things like trip cancellations, delays, loss of baggage, and has a medical component.
Best Travel Insurance Plans for U.S. Citizens to Romania
- Best Travel Insurance with Strong Medical Coverage: iTravelInsured Travel LX
- Best Affordable Travel Insurance for Romania: Trip Protection Basic
- Best Travel Insurance for Travelers with Pre-Existing Conditions: Pathway Premium
Travel Medical vs. Comprehensive: What Do They Cover?
Here is a table sharing the benefits that travel medical insurance and comprehensive travel insurance can cover:
| Feature | Travel Medical Insurance | Comprehensive Travel Insurance |
|---|---|---|
| Medical Expenses | ✅ | ✅ |
| Emergency Evacuation | ✅ | ✅ |
| Trip Cancellation | ❌ | ✅ |
| Baggage Loss/Delay | ❌ | ✅ |
| Trip Interruption | ❌ | ✅ |
| Typical Cost | 3-5% of trip | 8-10% of trip |
| Best For | Budget travelers | Full protection seekers |
To learn more about how to select the right policy for your trip, see the differences between travel medical vs. comprehensive travel insurance.
Insurance Costs by Traveler Profile
Depending on your age, the following chart shares estimated travel insurance prices for one week, two weeks, and 30 days.
| Traveler Type | 7 Days | 14 Days | 30 Days |
|---|---|---|---|
| Solo (25yo) | $27-55 | $49-109 | $87-164 |
| Couple (35yo) | $55-98 | $93-185 | $164-305 |
| Family (4) | $76-142 | $131-240 | $196-360 |
| Senior (65-70) | $65-131 | $109-218 | $164-327 |
| Senior (70+) | $98-196 | $164-327 | $245-490 |
Prices shown in EUR and USD. Actual costs vary by provider, age, and coverage amount. Buy before departure for lowest rates and trip cancellation coverage.
Healthcare Costs in Romania
Romania has budget-friendly healthcare costs, and private hospitals are quite affordable. The following chart shares estimated medical costs while in Romania.
| Service | Cost |
|---|---|
| Doctor Visit | RON 100-200 ($20-40 USD) |
| Emergency Room | RON 300-800 ($60-160 USD) |
| Hospital Per Day | RON 500-1200 ($100-240 USD) |
Romania is a major medical tourism destination. Cosmetic surgery, dental, and orthopedic procedures are 50-70% cheaper than Western Europe. If undergoing elective procedures, ensure evacuation coverage of EUR 120,000+ ($131,000+) essential for elective procedures.
Key Health & Safety Risks
Medical Tourism & Procedure Risks
Romania is a rapidly growing destination for medical and dental tourism, but the quality of care and facilities can vary significantly across the country. Ensure that your travel insurance policy offers 120,000+ EUR in evacuation coverage and complication coverage for elective procedures.
Mountain & Rural Travel Risks
The Carpathian Mountains offer stunning opportunities for hiking and winter sports, but venturing outside Romania’s major cities requires extra awareness. If you plan to hike or spend extensive time in remote areas, verify that your travel medical insurance fully covers emergency rabies post-exposure treatment (including immunoglobulin), which must be administered immediately after a bite. If participating in adventure sports, be sure that your travel insurance policy offers an adventure sports add-on.
Currency & Payment Information
Romania uses Romanian Leu (RON), not EUR. The exchange rate is approximately 1 RON = 0.20 USD (July 2026). Contactless payments are the absolute norm in Romania, and mobile wallets like Apple Pay and Google Pay are accepted virtually everywhere. It is still highly recommended to carry a small amount of cash, around 200 to 400 RON (roughly $45 to $85 USD) in smaller denominations.
Special Travel Insurance Considerations
Visa Applicants & Adventure Travelers
All non-EU visa-required travelers must purchase travel insurance prior to their Schengen visa application (minimum coverage: EUR 30,000). Adventure travelers should ensure that their travel insurance policies offer an adventure sports add-on. To learn more about visa application details, see our Schengen Visa Requirements page.
Green Card Holders
Holding a U.S. Green Card does not bypass Schengen entry requirements. Your need for a visa depends on the country that issued your passport, not your U.S. residency.
Long-Stay Visas (90+ days)
This is mandatory for anyone planning to work, study, or establish long-term residency in Romania. You must secure health or travel medical insurance that provides at least €30,000 (approximately $32,700) in coverage. Your policy must remain fully active for the exact, entire duration of your intended stay.
Pre-existing Medical Conditions
You can purchase travel insurance even if you have pre-existing medical conditions, provided you fully disclose them upfront. Standard policies (€25 and €60 per week), typically exclude care related to existing conditions. If you need coverage for sudden, unexpected flare-ups, you will need “Acute Onset” coverage, (€40 to €100 weekly). For full protection that covers all treatments related to your condition, you must purchase a comprehensive policy (starting at €80 weekly), though these can have age restrictions.
Vaccination Recommendations
Be sure to schedule a doctor’s appointment 6 to 8 weeks before your trip to Romania to ensure you are up to date on routine and destination-specific vaccines.
Before You Go: Safety & Security
Romania is rated Level 1 – Exercise Normal Precautions. The main safety concerns for Romania include petty crime in Bucharest (Old Town), stray dogs (rabies risk – more than Bulgaria), rural road hazards, and pickpocketing on public transport. The country is generally safe, but it is important to remain cautious in urban areas.
Pre-trip action: Review the State Department’s travel advisory, register with STEP (Smart Traveler Enrollment Program), and share your travel plans with family.
Frequently Asked Questions About Traveling to Romania
U.S. Embassy & Emergency Contact
- Address: Strada Lamatilor 4, Bucharest 011193, Romania
- Phone: 40 21 200 3300
- After-hours Emergency: 40 21 200 3300
- 24/7 US State Department: 1-202-501-4444 (abroad) or 1-888-407-4747 (US/Canada)
Travel insurance can be confusing. Coverage, exclusions, benefits, and policy limits vary from plan to plan, and prices depend on factors such as your age, destination, and trip. Comparing plans is the best way to find the right coverage at the best value. If you’re unsure, a licensed travel insurance advisor can help you choose the right policy.
