Travel insurance — Bulgaria
15 insurers with verified coverage data
Allianz
Last verified 2026-07-09
Armeec
Last verified 2026-08-03
Asset Insurance
Last verified 2026-08-10
AxiTravel
Last verified 2026-08-10
Bulgaria Insurance
Last verified 2026-08-10
Bul Ins
Last verified 2026-08-03
Bulstrad
Last verified 2026-08-10
Colonnade
Last verified 2026-08-10
DZI
Last verified 2026-08-03
Euroins
Last verified 2026-08-03
Generali
Last verified 2026-08-03
Groupama
Last verified 2026-08-10
Instinct Insurance
Last verified 2026-08-11
Lev Ins
Last verified 2026-08-03
UNIQA pure
Last verified 2026-08-10
Coverage
| Feature / category | Allianz | Armeec | Asset Insurance | AxiTravel | Bulgaria Insurance | Bul Ins | Bulstrad | Colonnade | DZI | Euroins | Generali | Groupama | Instinct Insurance | Lev Ins | UNIQA pure |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Online purchase | Buy online on Boleron.bg | Yes | No | Yes | Yes | No | Buy online on Boleron.bg | Buy online on Boleron.bg | Yes | Buy online on Boleron.bg | Yes | Yes | Buy online on Boleron.bg | Buy online on Boleron.bg | Buy online on Boleron.bg |
| 24/7 helpline | Yes | Yes | Yes | Not available | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Medical expenses | €10,000 – €60,000 | Covered | Covered | €30,000 – €50,000 | Covered | €5,000 – €100,000 | €5,000 – €100,000 | Covered | €5,000 – €50,000 | €2,000 – €100,000 | €2,000 – €50,000 | €5,000 – €100,000 | €10,000 – €100,000 | Covered | Not offered |
| Medical transport | €50,000 | Covered | Covered | Covered | Covered | €5,000 – €100,000 | Covered | Covered | €5,000 – €50,000 | Covered | €25,000 | Unlimited | Covered | Covered | Covered |
| COVID-19 treatment | Conditional | €5,000 | Not offered | €30,000 – €50,000 | Covered | €5,000 – €100,000 | Covered | Covered | €5,000 – €50,000 | Covered | Conditional | Excluded | Not available | Optional | Covered |
| Personal liability | €5,000 – €7,500 | Optional | Optional | Optional | Covered | Optional | Optional | Covered | Optional | €1,000 | Optional | €1,000 | Not available | Optional | Optional |
| Emergency dental | €500 | Conditional | €350 | Conditional | €150 | Covered | Covered | Covered | €200 – €400 | €200 | €250 | €400 | Covered | €350 | €300 |
| Search & rescue | €5,000 | Optional | Optional | Not offered | Optional | Not offered | Covered | Covered | €2,000 | Optional | €2,000 | Optional | Not available | Optional | Optional |
| Legal assistance | Covered | Optional | Optional | Optional | Optional | Optional | Optional | Conditional | Optional | Covered | Optional | €1,000 | Not available | Optional | Optional |
| Emergency medical treatment | €10,000 – €60,000 | Covered | Covered | €30,000 – €50,000 | Covered | €5,000 – €100,000 | €5,000 – €100,000 | Covered | €5,000 – €50,000 | Covered | €2,000 – €50,000 | €5,000 – €100,000 | €10,000 – €100,000 | Covered | Covered |
| Hospitalization | €10,000 – €60,000 | Covered | Covered | Covered | Covered | €5,000 – €100,000 | Covered | Covered | €5,000 – €50,000 | Covered | €2,000 – €50,000 | €5,000 – €100,000 | Covered | Covered | Covered |
| Outpatient treatment | €10,000 – €60,000 | Covered | Covered | Covered | Covered | €5,000 – €100,000 | Covered | Covered | €5,000 – €50,000 | Covered | €2,000 – €50,000 | €5,000 – €100,000 | Covered | Covered | Covered |
| Medical evacuation | €50,000 | Covered | Covered | Covered | Covered | €5,000 – €100,000 | Covered | Covered | €5,000 – €50,000 | Covered | €25,000 | Unlimited | Covered | Covered | Covered |
| Repatriation of remains | €2,500 – €50,000 | Covered | Covered | Covered | Covered | Covered | Covered | Covered | Covered | Covered | €25,000 | Unlimited | Covered | Covered | Covered |
| Pre existing conditions | Excluded | Excluded | Excluded | Excluded | Excluded | Excluded | Excluded | Conditional | Excluded | Excluded | Excluded | Conditional | Excluded | Excluded | Conditional |
| Winter sports cover | Excluded | Optional | Optional | Not offered | Optional | Not offered | Excluded | Optional | Conditional | Optional | Optional | Conditional | Optional | Optional | Optional |
| Adventure sports cover | Excluded | Optional | Optional | Not offered | Optional | Not offered | Excluded | Optional | Conditional | Optional | Optional | Conditional | Not available | Optional | Conditional |
| Pregnancy complications | Excluded | Excluded | Conditional | Excluded | Not offered | Not offered | Excluded | Conditional | Conditional | Optional | Excluded | Excluded | Not available | Excluded | Conditional |
FAQ
Is travel insurance mandatory for visiting Bulgaria?
It depends on your nationality. For travelers requiring a Schengen visa to enter Bulgaria, a medical travel insurance policy with a minimum coverage of €30,000 is mandatory. For visa-free travelers (e.g., from the EU, UK, USA), it is not legally mandatory but strongly recommended, as private medical costs can be high.
What does a standard Bulgarian travel insurance policy cover?
A standard policy typically covers: emergency medical expenses and hospitalization, emergency dental care (usually with a lower limit), medical transport and repatriation, and repatriation in the event of death. Many policies also include basic COVID-19 coverage for acute illness while abroad.
Does my European Health Insurance Card (EHIC) work in Bulgaria?
Yes, EU and EEA citizens can use the EHIC to access state healthcare in Bulgaria under the same conditions as Bulgarian citizens. However, it does not cover private clinics (common in tourist areas), medical evacuation, or repatriation. Private travel insurance is recommended to fill these gaps.
Can I buy travel insurance if I am already abroad?
Generally, Bulgarian insurers require the policy to be purchased before you depart from your home country. Policies purchased after the trip has already started may be considered invalid or may have a mandatory waiting period (e.g., 3-5 days) before coverage begins.
Is COVID-19 treatment covered?
Most Bulgarian insurers now treat COVID-19 as an acute illness. Coverage typically includes medical examinations, medication, and hospitalization if you test positive and show symptoms. However, routine testing for travel purposes or asymptomatic quarantine in a hotel is usually excluded.
What is the assistance helpline and when should I call it?
The assistance company is the 24/7 partner of your insurer that coordinates medical help. You must call them immediately (before seeking treatment if possible) in case of an emergency. They will direct you to a partner clinic and arrange direct payment so you don't have to pay out-of-pocket.
Does the insurance cover extreme sports or winter activities?
Standard travel policies usually exclude high-risk activities. If you plan on skiing, snowboarding, or participating in adventure sports in Bulgaria, you must select an 'Extreme Sports' or 'Winter Sports' add-on to ensure you are covered for accidents on the slopes.