Travel Insurance for Romania Visa from India 2026
Mandatory €30,000 Schengen medical cover from India's leading insurers. Compare, buy online, and get your visa letter delivered instantly.
Get Instant Romania Insurance Quote
Schengen Authorities Approved Insurers
check_circleBajaj General check_circleTATA AIG check_circleCare Health check_circleIndusInd check_circleRoyal SundaramWhat Is Romania Visa Travel Insurance?
Romania Visa Travel Insurance is a mandatory health and travel insurance policy required for any traveller visiting Romania to obtain a Schengen visa. It protects you financially against sudden, unexpected medical costs such as hospitalisation following an accident or sudden illness, medical evacuation, or repatriation during your stay in Romania or anywhere else in the Schengen Area.
The Romania consulate, like every Schengen member state, requires this insurance to meet specific conditions before a visa can be issued: a minimum medical coverage of €30,000, validity across all 29 Schengen countries, and coverage for the full length of your trip. Without a policy that meets these conditions, your visa application will be rejected regardless of how strong the rest of your application is.
Romania Travel Insurance Requirements for Indian Travelers
Your travel insurance must satisfy all of the following criteria set by the EU/Schengen consulate when applying for an Romania visa from India.
| Requirement | What It Means | Status |
|---|---|---|
| Schengen Approved Plan | Must be from an IRDAI-licensed insurer approved by Schengen authorities. Unapproved plans result in visa rejection. | check_circle |
| Minimum €30,000 Cover | Policy must cover at least €30,000 (≈₹31 lakh) for medical expenses including accidents and illness during your stay. | check_circle |
| Valid Across Schengen | Insurance must be valid in all 29 Schengen countries, not just Romania. Single-country policies are not accepted. | check_circle |
| Full Duration Coverage | Policy must be valid from your travel start date to end date. Partial coverage is not accepted by the consulate. | check_circle |
| Emergency Medical Scope | Must include emergency medical expenses, hospitalization, medical evacuation, and repatriation of remains to India. | check_circle |
| Cashless Hospitalization | Policy should offer cashless treatment at network hospitals in Europe for timely care without upfront payments. | check_circle |
| Certificate of Insurance | A valid COI or visa letter from the insurer confirming all coverages must be submitted with the visa application. | check_circle |
How to Confirm Your Insurer Is Approved by the Romania Consulate
All insurers featured on this page - Care Health, Tata AIG, Bajaj Allianz General, ICICI Lombard, Reliance General, and Niva Bupa are IRDAI-licensed and issue Schengen-compliant Certificates of Insurance that are accepted at VFS Global centres and by the Romania Consulate. To double-check before your visa appointment:
- Confirm the Certificate of Insurance provides at least €30,000 in medical coverage, including emergency medical treatment, hospitalization, and medical repatriation, and lists "Schengen Area" or "All Schengen Countries" as the geographical coverage.
- Ensure the policy validity dates exactly match or exceed your intended travel dates, including the day of entry and departure from the Schengen Area.
- Verify that the insurer's IRDAI registration number is clearly printed on the Certificate of Insurance.
- Carry both a printed copy and a digital copy of your Certificate of Insurance when attending your VFS Global appointment for your Romania visa application.
See Your Romania Travel Insurance Price in 10 Seconds
Compare Schengen-approved plans from Bajaj Allianz, Care Health, TATA AIG, Royal Sundaram and other leading insurers. No payment is required to view your premium or compare plans.
What is the Cheapest Travel Insurance for Romania Visa From India?
The cheapest Romania travel insurance plan on eindiainsurance starts at only ₹19 per day* from Bajaj General Insurance. Please compare Romania Schengen travel insurance plans based on your travel duration, age, and coverage requirements.
How Much Does Travel Medical Insurance Cost for Romania in 2026?
Romania visa travel insurance cost starts from ₹761 for 30 days. Some of the best travel insurance for Romania from India listed below meet the Romania visa requirements and are widely recognized by Schengen/EU embassies and consulates.
| Insurance Company | Policy Maximum | Age 35 | Age 55 | Age 75 | Age 85 |
|---|---|---|---|---|---|
| Care Health | €30,000 | ₹761 | ₹1,008 | ₹3,383 | ₹7,612 |
| IndusInd (earlier Reliance General) | €50,000 | ₹924 | ₹1,050 | ₹6,013 | — |
| Bajaj General | $50,000 | ₹908 | ₹1,050 | ₹9,802 | ₹17,070 |
| Tata AIG | $50,000 | ₹1,305 | ₹1,574 | ₹7,514 | ₹22,473 |
| Royal Sundaram | $50,000 | ₹1,128 | ₹1,326 | — |
— |
Source: eindiainsurance® | Prices verified for 2026 travel season.
Best Romania Travel Insurance Plans from India
Looking for the best travel medical insurance for Romania? Here's a curated list of the top 5 travel insurance plans for Romania, ideal for Indian travelers applying insurance for schengen visa.
Bajaj General
IndusInd
Royal Sundaram
TATA AIG
Care Health
Tell us your trip details and we'll compare all plans tailored to your age, duration, and budget.
phoneCall +91 (80) 41101026Which Insurance Company Is Best for Travel Insurance to Romania?
The Top Indian Travel Insurance companies offer Schengen consulate approved travel insurance plans for Romania. At EIndiainsurance.com, you can compare all these Schengen consulate approved travel insurance plans based on premiums and coverage benefits and buy them easily. All these plans are accepted by the Romania country consulate and meet the €30,000 minimum Schengen visa medical coverage requirement.
While all approved insurers offer compliant plans, based on benefits, premium pricing, and claims service quality, Care Health, Tata AIG, and Bajaj General are highly recommended for Indian travelers to Romania.
Here’s a quick comparison of leading insurers:
| Insurance Company | Key Features | Unique Selling Points |
|---|---|---|
| Care Health |
|
|
| Tata AIG |
|
|
| Bajaj General |
|
|
| IndusInd (earlier Reliance General) |
|
|
Which Travel Insurance Companies Are Approved for Schengen Visa Applications?
What Does Romania Travel Insurance Cover?
All standard plans on our platform include these essential protections as a minimum.
Why Do Indians Need Travel Insurance for Romania?
Romania is part of the Schengen Area and requires Indian nationals applying for a short-stay Schengen visa to have valid Schengen travel insurance. Submitting compliant travel insurance that meets all Schengen requirements is essential, as insufficient or invalid coverage can result in your visa application being refused.
- It's Legally Mandatory: Romania requires all Schengen visa applicants to carry travel insurance with a minimum coverage of €30,000 for medical emergencies, hospitalization, and repatriation. Without it, your visa application will not be accepted.
- Healthcare Can Be Expensive for Visitors: While public healthcare costs in Romania are generally lower than in Western Europe, foreign visitors are responsible for paying medical expenses if they are uninsured. A medical emergency or hospitalization can still result in significant out-of-pocket costs.
- Helps Ensure a Smooth Visa Application: Your insurance policy must cover the entire Schengen Area, remain valid for your full trip, and meet all Schengen requirements. Incorrect dates or insufficient coverage may delay or negatively affect your visa application.
- Protects Your Prepaid Travel Costs: Many comprehensive travel insurance plans cover trip cancellation, trip interruption, and other unexpected events that could cause you to lose money on flights, accommodation, or tours.
- Provides Protection Beyond Medical Emergencies: Depending on the policy, travel insurance may also cover baggage loss or delay, passport loss, personal liability, emergency evacuation, and travel disruptions, giving you greater financial protection throughout your trip.
For Indian travelers, Romania travel insurance is more than a Schengen visa requirement—it's an essential safeguard against unexpected medical and travel-related expenses during your journey.
Romania Visa Rejection Stories
Emotional, Real-World Scenarios
Every year a lot of people from India plan a trip to Europe. They book their flights and hotels. They have a plan for what they want to do.. Sometimes a small mistake with their travel insurance can cause a problem with their Schengen visa. This can be very upsetting for Romania visa applicants. It can turn something they were really looking forward to into a source of stress, for the Romania visa applicants.
Rohit and Ananya from Bangalore planned their honeymoon in Vienna. They got an insurance policy that only covered €10,000 but they actually needed a policy that covered €30,000. One week later their visa application was rejected. Rohit and Ananya had to fill out the application and pay the visa fees all over again. They also had to put off their trip for a month.
Lesson: Always make sure your travel insurance meets the Schengen visa requirements, for Vienna.
Mr. Sharma, who is 62 years old wanted to visit his daughter in Romania. So he applied for a tourist visa. He got a policy that was good for 15 days.. He was going to be in Romania for 30 days. The embassy said no to his visa. They said this because his insurance did not cover his trip.
Lesson: Insurance validity must match travel dates exactly.
A student travelling to Romania bought “Europe travel insurance” that excluded Schengen countries. The visa officer rejected the application immediately.
Lesson: Ensure the policy clearly states valid for all Schengen countries.
These situations are common - but easily avoidable with the right insurance.
Common Mistakes Indians Make When Buying Romania Travel Insurance
Avoid these mistakes to help ensure your Romania Schengen visa application is processed smoothly:
Always confirm your policy includes:
- Minimum €30,000 medical coverage
- Coverage throughout the Schengen Area
- Certificate of Insurance for visa purposes
Compliance is more important than price.
Your policy should:
- Start on or before your departure date
- Remain valid until your return
- Cover your complete Schengen stay
Date mismatches can delay or affect your visa application.
Some travel insurance plans include a deductible that you'll need to pay before coverage applies.
Choosing a low or zero-deductible plan can help avoid unnecessary complications during travel.
Your travel insurance must be submitted along with your Romania Schengen visa application.
Purchase your policy before your VFS appointment.
Choose an IRDAI-licensed insurer that issues Schengen-compliant insurance certificates, such as:
Bring the following to your visa appointment:
- Certificate of Insurance
- Complete policy document (if requested)
Missing insurance documentation may delay the processing of your visa application.
Buy Romania Insurance in 4 Easy Steps
From quote to visa-ready policy - the entire process takes under 5 minutes.
Schengen Travel Insurance Claim Process (Step-by-Step)
If something goes wrong during your trip, here’s how to file a claim smoothly. This process applies to all Schengen countries including Romania, Germany, France, Italy, and more.
- nearest hospital
- cashless treatment
- documentation process
If not available:
- pay first
- claim reimbursement later
- passport copy
- visa copy
- insurance policy
- medical reports
- hospital bills
- prescriptions
- airline report
- boarding pass
- receipts
- online portal
- WhatsApp (some insurers)
- cashless: handled directly
- reimbursement: 7–21 days
- money transferred to bank
- or hospital paid directly
Travel Tips for Indians Visiting Romania
Planning your first trip to Romania from India? Here are some practical tips to help you prepare—from your Schengen visa application to getting around once you arrive.
- Book Your VFS Appointment Early: Romania Schengen visa appointments at VFS Global centres in cities such as Mumbai, Delhi, Chennai, Bengaluru, Hyderabad, and Kolkata can fill up quickly during peak travel seasons. Book your appointment at least 4–6 weeks before your planned departure.
- Apply for Your Romania Schengen Visa Well in Advance: Visa processing typically takes around 15 calendar days, though it may take longer if additional documents are required or during busy periods. Applying 4–6 weeks before your trip gives you enough time to avoid last-minute stress.
- Purchase Travel Insurance Before Your Visa Appointment: Your Schengen-compliant travel insurance certificate must be submitted with your visa application. Make sure it provides at least €30,000 in medical coverage and is valid for your entire stay in the Schengen Area.
- Carry Some Romanian Leu (RON) in Cash: Although credit and debit cards are widely accepted in cities like Bucharest, Cluj-Napoca, and Brașov, it's useful to carry some Romanian Leu for taxis, local markets, public transport, and smaller businesses.
- Get a Local SIM Card or International Roaming: You can purchase prepaid SIM cards from providers such as Orange Romania, Vodafone Romania, or Digi after arrival. Alternatively, activate an international roaming plan with your Indian mobile provider before departure.
- Choose the Best Time to Visit Romania: May to September offers pleasant weather for sightseeing, hiking, and exploring cities and castles. December is ideal for Christmas markets and winter festivities, while ski enthusiasts may prefer the Carpathian mountain resorts between December and February.
- Expect Connecting Flights from India: There are currently no regular direct flights from India to Romania. Most travellers connect through hubs such as Istanbul, Doha, Dubai, Vienna, Munich, or Frankfurt before arriving in Bucharest.
- Keep Digital and Printed Copies of Your Documents: Carry printed and digital copies of your passport, Schengen visa, travel insurance certificate, hotel reservations, return flight tickets, and proof of sufficient funds. Border authorities may request these documents upon arrival.
Romania - At a Glance
- info
Romania is an increasingly popular destination for Indian travellers thanks to its medieval towns, scenic Carpathian Mountains, Black Sea coastline, and affordable European holidays. Since joining the Schengen Area, it has become even more attractive for travellers planning multi-country European itineraries. :contentReference[oaicite:0]{index=0}
- info
Romania is a country in Southeastern Europe with a population of around 19 million. Its capital and largest city is Bucharest, which serves as the country's political, cultural, and economic centre. :contentReference[oaicite:1]{index=1}
- info
The official language is Romanian. English is widely spoken in Bucharest and other major tourist destinations, while Hungarian is also spoken in parts of Transylvania. The local currency is the Romanian Leu (RON). :contentReference[oaicite:2]{index=2}
- check_circle
Indian passport holders must obtain a Romania Schengen visa before travelling for short stays unless they already hold a valid residence permit or qualifying visa that grants entry under applicable Schengen rules.
- check_circle
Applicants should submit a valid passport, completed visa application form, Schengen-compliant travel insurance, proof of accommodation, return flight itinerary, proof of sufficient financial means, and other supporting documents as required by the Romanian authorities.
- check_circle
Romania's official currency is the Romanian Leu (RON). As visa requirements and entry regulations may change, always verify the latest information with the Romanian Embassy or VFS Global before your trip.
- starBran Castle – Romania's most famous castle, often associated with the Dracula legend.
- starPeleș Castle – A magnificent Neo-Renaissance royal castle located in Sinaia.
- starPalace of the Parliament – One of the world's largest administrative buildings, located in Bucharest.
- starBrașov Old Town – A charming medieval city surrounded by the Carpathian Mountains.
- starDanube Delta – A UNESCO World Heritage Site renowned for its rich biodiversity and birdwatching opportunities.
Popular Romanian Dishes
| Dish | Description |
|---|---|
| Sarmale | Traditional cabbage rolls stuffed with minced pork, rice, and herbs, often served with sour cream and polenta |
| Mămăligă | A creamy cornmeal dish similar to polenta, commonly served with cheese, sour cream, or hearty meat stews |
| Mici (Mititei) | Grilled skinless sausages made from seasoned minced meat, a favourite at barbecues and street food stalls |
| Ciorbă de Burtă | A rich, tangy tripe soup flavoured with garlic, vinegar, and sour cream, considered one of Romania's signature soups |
| Papanași | Fried cottage cheese doughnuts topped with sour cream and blueberry or cherry jam, one of Romania's most popular desserts |
Top Destinations You'll Want to Protect
Customer Reviews from Indian Travelers Who Chose Romania Travel Insurance
Travel Insurance Romania, Romania Travel Insurance - FAQs
How Premiums Are Calculated for Romania Travel Insurance
Your Romania travel insurance premium is determined by several key factors, including your age, the duration of your trip, the sum insured you choose, and any pre-existing medical conditions declared at the time of purchase. In general, younger travellers taking short trips pay lower premiums, while senior travellers and those planning extended stays typically pay more because of the higher likelihood of medical claims. Selecting a policy that meets the Schengen visa requirement of at least €30,000 in medical coverage is usually the most economical option, although travellers seeking broader protection may choose plans with higher coverage limits and additional travel benefits.
Is Romania Visa Insurance Different from Other Schengen Countries?
No. Romania follows the same Schengen travel insurance requirements as other Schengen member states. The policy must provide a minimum of €30,000 coverage for medical emergencies, hospitalization, and repatriation, and it must be valid throughout the entire Schengen Area. The same insurance policy that meets the requirements for a Romania visa can also be used for a Germany, France, Italy, or any other Schengen country visa application. The main difference is only the embassy or VFS Global centre handling your application, not the insurance standards. Therefore, a single Schengen-compliant travel insurance policy is sufficient even if your itinerary includes Romania along with multiple European destinations.
Buying Romania Travel Insurance for Families and Groups
If you're travelling to Romania with family or a group, every traveller applying for a Schengen visa must have valid travel insurance that meets Schengen requirements. Each applicant should have their own Certificate of Insurance showing their name, minimum €30,000 medical coverage, Schengen-wide validity, and coverage for the complete travel period. A single combined policy with multiple travellers may not be accepted if it does not provide individual certificates for each visa applicant. The advantage is that purchasing insurance for multiple travellers together can often be more convenient and cost-effective, and our family travel insurance and group travel insurance plans allow you to include all travellers in one application while providing separate insurance certificates required for visa submission.
Getting Medical Help in Romania: What Indian Travellers Should Know
Romania has a network of public and private healthcare facilities, with major cities such as Bucharest, Cluj-Napoca, and Brașov offering hospitals and clinics that are more accustomed to treating international visitors. While medical professionals in larger hospitals may speak English, Romanian is the primary language used in many healthcare settings. Always contact your insurer's emergency assistance number first (save it before you travel) - the assistance team can help coordinate with local hospitals, arrange medical support, and guide you through the claims process. Major healthcare facilities in Bucharest, such as University Emergency Hospital Bucharest and private hospitals serving international patients, provide emergency care and support for foreign travellers.
Romania Visa Insurance Document Checklist
Before your VFS Global appointment for a Romania Schengen visa, make sure you have:
- Certificate of Insurance / visa letter (printed, in English)
- Policy schedule showing minimum €30,000 medical coverage
- Proof that the policy is valid throughout the Schengen Area
- Premium payment receipt
- Insurer's IRDAI registration number printed on the insurance document
- Travel dates matching your flight itinerary and visa application details exactly
When Should You Buy Your Romania Travel Insurance?
Buy your Romania travel insurance as soon as your travel dates are confirmed and before your VFS Global visa appointment. The Certificate of Insurance must be submitted as part of your Romania Schengen visa application and should clearly show the required medical coverage, Schengen validity, and policy dates. Purchasing your insurance early may also provide protection for certain trip-related risks, such as cancellation or interruption, depending on the plan selected. A last-minute policy purchased just before departure may not provide coverage for events that occurred before the policy start date.
Cashless or Reimbursement: Which Romania Insurance Claim Type Is Better?
Many travel insurers provide assistance services that can help coordinate medical treatment in Romania, including guidance on suitable hospitals and claims support. In a cashless arrangement, the insurer may coordinate directly with the healthcare provider where facilities and insurer agreements are available, reducing the need for you to pay large medical expenses upfront. If you receive treatment at a facility where direct billing is not available, you may need to pay the expenses first and then submit a reimbursement claim. Always keep original medical bills, prescriptions, diagnostic reports, discharge summaries, and payment receipts, as insurers generally require complete documentation for claim processing. Whenever possible, contact your insurer's emergency assistance team before receiving non-emergency treatment so they can guide you to the appropriate healthcare facility and claims process.
Can You Extend Your Romania Travel Insurance Mid-Trip?
If your stay in Romania extends beyond your original travel dates, many insurers allow you to extend your travel insurance policy before the existing policy expiry date, subject to the insurer's terms and conditions. The extension is generally possible only if no claim has already been made and the total trip duration remains within the maximum coverage period allowed by the insurer. Extending your policy after it has expired may require purchasing a new policy and could involve additional requirements, so it is recommended to request an extension a few days before your current coverage ends. For Schengen visa holders, ensure that your extended coverage continues to meet Schengen requirements, including minimum €30,000 medical coverage and validity throughout the Schengen Area.
Renew Now arrow_forwardWhy Choose EIndiaInsurance for Romania Travel Insurance
Travel insurance is one of the most important financial protections for international travellers. In case of hospitalization, emergency treatment, or non-medical issues abroad, insurance ensures immediate assistance and peace of mind. Compare free quotes from leading insurers and buy your plan online in just minutes.
India Travel Insurance Blog and Articles
Travel to Romania with
Complete Confidence
Buy your Romania travel insurance in minutes. Accepted by all Schengen embassies, trusted by 50,000+ Indian travelers, backed by India's top insurers.