The Best Travel Insurance for Expats in Romania

Nadia Dardón

Immigration Content Writer

Last update 12 November, 2025

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Romania has quietly become one of Europe’s best-kept secrets for expats and digital nomads. Between the cobblestone streets of Brașov, the creative energy of Bucharest, and the serene landscapes of Transylvania, it’s no surprise that more remote workers are setting up their laptops here. Affordable living costs, fast Wi-Fi, and a welcoming community make Romania an attractive base for anyone seeking a European adventure with a modern twist.

But whether you’re staying for a few months or putting down roots for the long term, there’s one essential thing you shouldn’t overlook: travel insurance for expats in Romania.

Even in a safe and affordable country, unexpected events can happen, a sudden illness, lost luggage, or flight delays. Having the right expat travel insurance means you can focus on enjoying your Romanian experience instead of worrying about hospital bills or logistical headaches.

In this guide, we’ll explain why travel insurance is essential for expats and digital nomads in Romania, what coverage you really need, and how to choose a plan that fits your lifestyle. This includes a look at our own tailored insurance option designed specifically for global travelers like you.

Why Travel Insurance Is Essential in Romania

Romania is quickly becoming a favorite destination for digital nomads and expats, from the buzzing streets of Bucharest to the quiet charm of Transylvania. The affordable lifestyle and strong Wi-Fi make it a remote worker’s dream. But no matter how exciting the adventure, things don’t always go according to plan. That’s where travel insurance for expats in Romania becomes essential.

Healthcare Access Isn’t Always Simple

Romania offers both public and private healthcare, but:

Public hospitals can be crowded and may have long waiting times.
Private clinics often require upfront payment, even for emergencies.
English-speaking doctors are easier to find in big cities, but less common elsewhere.

Without proper expat travel insurance, even routine treatment or a short hospital stay can become an unexpected expense.

Constant Movement Brings Constant Risk

If you’re a digital nomad, you’re likely:

Traveling between cities or countries.
Relying on your gear (laptop, camera, phone) to make a living.
Managing work deadlines while navigating travel delays.

A lost laptop, flight cancellation, or sudden illness doesn’t just interrupt your trip; it can affect your income and mobility. Insurance keeps you covered so you can get back to work and back to exploring faster.

Insurance Can Be a Visa Requirement

Many expats are surprised to learn that:

Health insurance is often required when applying for long-stay or digital nomad visas.
Romania’s public system doesn’t cover non-EU citizens.
Even EU residents may need additional coverage once they exceed the short-term visa limit.

So, beyond peace of mind, travel insurance in Romania can be the key to staying compliant with visa rules.

In short, travel insurance isn’t a luxury; it’s a necessity for anyone planning to live, work, or explore Romania for more than a quick visit. It’s what lets you focus on the adventure, not the “what ifs.”

Special Considerations for Expats & Remote Workers in Romania

Living and working abroad sounds glamorous, and in many ways, it is. Romania offers everything digital nomads and expats could want: affordability, a rich culture, and fast-growing coworking hubs. But once you move beyond the tourist phase, there are some unique challenges you’ll need to prepare for, especially when it comes to healthcare access, legal requirements, and daily logistics.

1. Healthcare and Medical Access

While Romania’s healthcare system has improved in recent years, expats should know:

Public healthcare is available to residents who contribute to the system, but as a foreigner, you may not qualify right away.
Private healthcare offers faster, higher-quality service but comes at a higher cost, and payment is usually required upfront.
In smaller towns or rural areas, finding English-speaking medical staff can be difficult.

This is why having a travel or expat insurance policy that covers private medical care and emergencies is not just smart, it’s practical.

2. Visa and Residency Requirements

Depending on your nationality and how long you plan to stay:

Non-EU citizens often need proof of valid health insurance when applying for a long-stay or digital nomad visa.
EU citizens can enter visa-free, but insurance is still recommended once they stay longer than 90 days.
For remote workers under the Digital Nomad Visa, insurance covering your entire stay in Romania is mandatory.

Having comprehensive coverage from the start simplifies your application and ensures you remain compliant.

3. The Remote Work Lifestyle

Working remotely in Romania means juggling new time zones, travel plans, and sometimes unpredictable Wi-Fi.

Constant travel between countries can complicate health coverage if your insurance doesn’t extend across borders.
Equipment like laptops or cameras is vital to your income; losing them without coverage can be financially damaging.
Many coworking spaces and landlords may ask for proof of insurance to ensure you’re protected in case of accidents.

For nomads and expats alike, having the right insurance plan means you can stay focused on work, not paperwork or emergencies.

4. Everyday Practicalities

Settling in Romania also comes with small but important details:

Accessing local healthcare providers or pharmacies can vary by region.
Driving or renting vehicles may require specific insurance documentation.
Some rental agencies or co-living spaces may request proof of personal liability coverage.

A well-rounded travel insurance policy makes navigating all of these requirements far easier.

Bottom line, Romania is a fantastic place for expats and digital nomads, but living here full-time comes with responsibilities. Understanding these considerations ensures you can make the most of your stay while staying compliant, protected, and stress-free.

Benefits of a Good Insurance Plan for Expats & Digital Nomads in Romania

Having the right travel insurance for expats in Romania isn’t just about meeting visa requirements; it’s about protecting your lifestyle and peace of mind while living or working abroad. For digital nomads and remote workers, a solid insurance plan ensures you can focus on exploring and building your career without unnecessary stress.

Here are some of the key benefits a good expat or digital nomad insurance plan provides while living in Romania:

1. Comprehensive Medical Coverage

Accidents and illnesses can happen anywhere, and Romania is no exception. A strong insurance plan covers:

Emergency medical treatment and hospitalization.
Doctor visits and prescriptions.
Access to private hospitals and English-speaking doctors.

So you can get care quickly, without worrying about unexpected bills.

2. Emergency Evacuation & Repatriation

If a serious medical emergency occurs, you might need specialized care in another country or to return home. Good insurance ensures:

Emergency evacuation to the nearest suitable hospital.
Medical repatriation if needed.

These services can cost thousands without coverage, but a proper plan takes care of it.

3. Coverage for Travel Disruptions

Life as a nomad means frequent movement, and travel doesn’t always go smoothly. Insurance can help with:

Flight delays or cancellations.
Lost luggage or stolen belongings.
Trip interruptions due to emergencies.

That means fewer financial headaches when travel plans change unexpectedly.

4. Protection for Work Essentials

For remote workers, your gear is your livelihood. A tailored expat insurance plan can include coverage for:

Lost or damaged laptops, cameras, or tech equipment.
Business interruption if your tools are stolen.

Keeping your work protected means you can get back online fast.

5. Global Flexibility

Many digital nomads don’t stay in one place for long. Look for a policy that provides:

Worldwide coverage, not just in Romania.
Seamless protection when traveling between countries.

That way, your insurance moves with you, whether you’re in Bucharest today or Berlin next month.

6. Visa and Legal Compliance

For long-term stays or Romania’s Digital Nomad Visa, proof of insurance is often required. Having valid coverage:

Simplifies visa applications.
Keeps you compliant with Romanian immigration laws.
Shows responsibility and preparedness as a long-term resident.

A good insurance plan doesn’t just protect you from the unexpected; it helps you live freely, travel confidently, and make the most of your time in Romania.

Travel Insurance with Citizen Remote

At Citizen Remote, we know that moving to Romania isn’t just a change of scenery; it’s the start of a new chapter. Whether you’re coding from a co-working space in Bucharest, exploring the castles of Transylvania, or hiking through the Carpathians between projects, your insurance should be as flexible and adventurous as you are.

Our platform is built to support expats, digital nomads, and remote professionals with everything they need to feel safe, connected, and confident while living or traveling in Romania.

Global Coverage — Including Romania and Beyond

Our travel insurance plans offer worldwide protection, giving you the freedom to explore without limits. Whether you’re settling in Cluj-Napoca, taking weekend trips across Europe, or flying home for the holidays, your coverage follows you. From a quick medical visit in Timișoara to an emergency evacuation abroad, Citizen Remote travel insurance has you covered every step of the way.

Tailored Plans for Expats and Remote Workers

We understand that traditional travel insurance isn’t designed for long-term travelers or remote workers. That’s why Citizen Remote’s insurance plans are made specifically for expats and digital nomads, with coverage for:

Extended stays and multi-country travel
Work-related trips and essential tech equipment
Accidents, medical emergencies, and personal liability

Your lifestyle doesn’t fit into a box, and your insurance shouldn’t either.

Customizable Coverage with WorldTrips

Through our partnership with WorldTrips, you can create a plan that fits your exact needs. Customize your coverage by choosing:

Medical and hospital care.
Emergency evacuation and repatriation.
Trip interruption, delay, or cancellation protection.

This flexibility ensures you’re covered for what matters most, without paying for extras you don’t need.

Visa and Residency Support

Romania’s Digital Nomad Visa and long-stay permits are attracting more remote workers every year, and most require valid health or travel insurance.

Citizen Remote makes it easy to stay compliant by providing insurance plans that meet official requirements. Plus, our platform offers helpful resources for your move, from visa guides to settling into your new Romanian community.

Comprehensive Lifestyle Support

Citizen Remote is more than just an insurance provider; we’re your companion in building a life abroad. Beyond coverage, we help you with:

Accommodation and co-living recommendations.
Local community connections and networking opportunities.
eSIMs for instant connectivity across Europe.

We’re here to make your move to Romania as seamless as possible, so you can focus on what really matters: living, working, and exploring freely.

Whether you’re relocating for work, chasing adventure, or simply craving a change of pace, Citizen Remote ensures you’re supported and protected every step of the way, giving you the confidence to enjoy all that Romania has to offer.

Final Thoughts: Travel Insurance for Expats in Romania

Romania has quickly become one of Europe’s most appealing destinations for expats and digital nomads, combining a low cost of living, rich history, and a growing community of remote workers. But while it’s easy to fall in love with the charm of Bucharest or the serenity of Transylvania, living abroad always comes with a few uncertainties.

That’s why having the right travel insurance for expats in Romania is so important. It’s not just about checking a visa requirement; it’s about protecting your health, your work, and your freedom to explore without worry.

At Citizen Remote, we make that peace of mind simple. Our expat-friendly insurance plans are designed to keep up with your lifestyle, offering flexibility, global protection, and support tailored to people who live and work across borders. Get a Free Quote with Citizen Remote and see how much peace of mind costs for your next adventure!

Disclaimer:

The information provided in this article is for general informational purposes only and does not constitute legal, financial, or insurance advice. While every effort has been made to ensure accuracy, no guarantee is made regarding the completeness, reliability, or applicability of the information provided. Nothing in this article should be interpreted as a promise or guarantee of coverage, performance, or eligibility. Readers are solely responsible for verifying details directly

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