How can I get the right Schengen visa travel insurance for Romania?

NAME: Axel Strauss
DATE: Feb 2025
Last Update: 28/10/2025

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 sapien fossils ever discovered (Google it), then you might be thinking about the right travel insurance for your trip. Especially if you happen to need a Schengen visa to get there. In which case, AXA can help. Here’s all you need to know.

Index

• Is Romania a Schengen member country?
• Do I need a Schengen visa to enter Romania?
• Is travel insurance mandatory for Romania?
• What are the travel insurance requirements to be granted a Schengen visa for Romania?
• I don’t need a Schengen Visa. Do I still need travel insurance 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 , Romania (and neighboring Bulgaria) 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.

However, this also means that millions more - from outside of the Schengen (and/or the European Union), that is - will now need to have a Schengen visa to enter the country.

Meanwhile, in order to get that visa, you’ll first need to have the proper documentation, including the mandatory 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 if:

• you’re already a national of the Schengen area and/or the EU;
• A holder of a valid residence permit issued by a Schengen Area member country;
• 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.

Who needs a Schengen visa to enter Romania (for stays of 90 days or less*)?

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 so on.

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

How do I apply for a Schengen visa for Romania?

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.

What are the travel insurance requirements to be granted a Schengen visa for Romania?

What specific criteria, you ask? Well, according to the European Union (in Regulation (EC) No. 810/2009), in order to be granted a Schengen visa, your travel insurance plan must:

• be purchased from an insurance company validated by the consular authorities of all Schengen countries
• have a minimum coverage of €30,000 in medical expenses (such as hospitalization, emergency treatment, and repatriation – including in case of death);
• cover you in all the Schengen member countries
• be valid for the entire duration of your stay in Romania (and/or the rest of the Schengen Area).

PRO-TIPS: Fortunately for you, all of AXA’s plans meet the criteria above!

However, if you want to learn more, AXA also has all the ins and outs about the travel insurance requirements for a Schengen visa (for example, the reasons behind them)!

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

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 (i.e., Dracula's Castle), 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.

Not only that, but all of AXA’s plans:

• Have no age limit, zero deductibles, and require no medical exams


• Offer a quick, easy, and hassle-free online subscription


• Are accepted by all Romanian (and all other Schengen) embassies, consulates, and visa application centers worldwide


• Provide the certified, world-recognized AXA travel insurance certificate instantly upon purchase (via email) - which you can then use at the aforementioned embassies, etc.


• Offer coverage of medical expenses and repatriation costs of up to €1 Million or even €2 Million


• Include both civil liability and personal liability insurance


• Include death and/or disability coverage


• Offer baggage insurance (included or optional, depending on the plan)


• Offer customizable plans with multiple upgrade options


• Are valid for the Schengen area + the European Union + the United Kingdom (depending on the plan, that is - but more on that below too!)


• Offer duration flexibility - from just one day, up to six months, or up to a full year


• Provide 24/7 emergency assistance


• Offer free remote medical consultation (in English and a number of other languages) with our unique Doctor, Please! feature


• Can be purchased on behalf of someone else

Moreover, 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.

And, last but not least, with AXA, you know you get the peace of mind that comes with knowing that you’re supported by a world-renowned, decades-trusted, first-class Schengen travel insurance brand. 24/7, from your Schengen visa appointment to every corner of Romania (and well beyond)!

What travel insurance options does AXA offer for Romania?

In terms of the plans themselves, AXA offers

various comprehensive sure ways to both help get you to and keep you safe in Romania. And they are:

• AXA SCHENGEN BASIC: our standard coverage meets all the requirements for your Schengen visa, is simple, reliable, and world-recognized. AXA BASIC covers you in all Schengen countries + European microstates (San Marino, Andorra, Monaco, and Vatican City).


• AXA SCHENGEN ESSENTIAL: complete and reliable European coverage that is affordable, meets all Schengen visa requirements, and covers you in all Schengen countries + all EU countries + the European microstates above, as well as the UK.


• AXA SCHENGEN PREMIUM: our premium, all-inclusive coverage also meets all necessary Schengen visa requirements. However, it’s designed for anyone who wants to opt for 100% zero-stress and worry-free travel. Geographically, AXA PREMIUM also covers you in all Schengen countries + all EU countries + the European microstates + the UK.


• AXA SCHENGEN ANNUAL: and our annual plan is best for frequent travelers and/or holders of multiple-entry visas. It meets all visa requirements while providing coverage across all Schengen countries + all EU countries + the microstates + the UK. However, it also offers a single contract for a full year of European travel!

So whether booking that ticket or Romanian visa appointment, make sure you first take a minute to

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.

What to Provide When Contacting AXA's Call Center

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, meanwhile, 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 from 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 much does Schengen travel insurance cost?
• How can I choose the best Schengen travel insurance for my trip?
• Which European countries are not in the Schengen Zone?

FAQ

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

No. While a tourist (aka “Type C”) Schengen visa does allow visitors to enter Romania (and the rest of the Schengen zone) for a short business trip, a holiday, or to visit family members, 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.