Feature / category	ZAD Allianz Bulgaria AD (Joint Stock Insurance Company Allianz Bulgaria)	Armeec Insurance Joint Stock Company AD	Insurance Company Asset Insurance AD	Axiom Insurance Company AD	Insurance Company Bulgaria Insurance AD	Insurance Company Bul Ins JSC	BULSTRAD VIENNA INSURANCE GROUP Joint Stock Company	Bulstrad Life Vienna Insurance Group Joint Stock Company	Colonnade Insurance S.A. – Bulgaria Branch	DZI - General Insurance EAD / DZI - Life Insurance EAD	Insurance Company Euroins AD	Generali Insurance AD	Groupama Zastrahovane EAD	Insurance Company Instinct AD	Insurance Company Lev Ins AD	Joint Stock Insurance Company OZK-Insurance AD	UNIQA Insurance PLC (ZK UNIKA AD)
Online purchase	Buy online on Boleron.bg	Yes	No	Yes	Yes	No	Buy online on Boleron.bg	Yes	Buy online on Boleron.bg	Yes	Buy online on Boleron.bg	Yes	Yes	Buy online on Boleron.bg	Buy online on Boleron.bg	No	Buy online on Boleron.bg
24/7 helpline	Yes	Yes	Yes	Not available	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Medical expenses		No limit statedOnly in 12.1, 30, 32, 47.1	No limit statedOnly in 10.1, 35.1, 13, 14.1, 58	No limit stated	No limit stated	Only in Регион А, Регион Б	Only in Клауза 1 – Медицински разноски	Only in Клауза 1 – Медицински разноски	No limit stated	Only in 5.1, 5.1.1, 5.1.1.1		Only in Основно покритие, 19.1 Амбулаторно лечение, 19.2 Стационарно лечение	Only in Основно покритие, Мултитрип		Only in 10.1, 35, 52.1		No limit stated
Medical transport		No limit statedOnly in 4.20, 46, 52.1	No limit statedOnly in 10.2, 35.4, 58	No limit stated	No limit stated	Only in Регион А, Регион Б	Only in Клауза 1 – Медицински разноски, т. 1.4	Only in Клауза 1 – Медицински разноски	No limit stated	Only in 5.1.1.1	No limit stated	Only in Основно покритие, 19.5 Разходи за завръщане в България при стационарно лечение	Only in Основно покритие	No limit stated	Only in 10.1, 52, 87	Only in Клауза А	No limit stated
COVID-19 treatment		Only in 12.2, 47		No limit stated		No limit statedOnly in Помощ при пътуване с Асистанс	10% of insured sumOnly in Клауза 1 – Медицински разноски, т. 1.2	10% of insured sumOnly in Клауза 1 – Медицински разноски	No limit stated	Only in 7.25		Only in Основно покритие, 19.7 Разходи при инфекция с „коронавирус“		No limit stated
Personal liability		No limit statedOnly in 13.6, 54, 54.1	No limit statedOnly in 11.2.5, 37.8, 65, 65.1, 65.2	No limit stated	No limit stated	No limit statedOnly in Допълнително покритие	No limit statedOnly in Клауза 3 – Обща гражданска отговорност към трети лица	No limit statedOnly in Клауза 3 – Обща гражданска отговорност към трети лица	No limit stated	Only in 5.2.6		No limit statedOnly in Клауза "Лична отговорност"	Only in Основно покритие	No limit stated	Only in 11.7, 60, 60.1		No limit stated
Emergency dental		No limit statedOnly in 12.3, 15, 48, 16.12.1	Only in 10.1, 35.3, 12.15, 12.15.1, 58	No limit stated	No limit stated	Only in Регион А, Регион Б	Only in Клауза 1 – Медицински разноски, т. 1.6	Only in Клауза 1 – Медицински разноски	No limit stated	Only in 5.1.1.2		Only in Основно покритие, 19.3 Разходи за спешно дентално лечение	Only in Основно покритие	No limit stated	Only in 10.2, 36, 52.2, 12.12.1
Search & rescue		No limit statedOnly in 13.1, 49	No limit statedOnly in 11.4, 11.4.1, 39.1, 66		No limit stated		No limit statedOnly in Клауза 7 – Разходи по издирване и спасяване	Only in Клауза 7 – Разходи по издирване и спасяване	No limit stated	Only in 5.1.4		Only in Основно покритие, 19.4 Разходи за планинско издирване и спасяване	10% of insured sumOnly in Спасителни разноски	No limit stated	Only in 11.1, 56, 90		No limit stated
Legal assistance		No limit statedOnly in 13.7, 55, 55.1	No limit statedOnly in 11.2.6, 37.9, 62, 62.1, 62.2	No limit stated	No limit stated	No limit statedOnly in Допълнително покритие	Only in Клауза 2 – Правна помощ	Only in Клауза 2 – Правна помощ	No limit stated	Only in 5.2.5	Only in Опция Б	No limit statedOnly in Клауза "Правна помощ"	Only in Основно покритие	No limit stated	Only in 11.8, 61, 61.1		No limit stated
Emergency medical treatment		No limit statedOnly in 12.1, 41.6, 46	No limit statedOnly in 10.1, 35.1, 56, 12.32	No limit stated	No limit stated	Only in Регион А, Регион Б	Only in Клауза 1 – Медицински разноски, т. 1.1	Only in Клауза 1 – Медицински разноски	No limit stated	Only in 5.1.1.1	No limit stated	Only in Основно покритие, 19.2 Стационарно лечение	Only in Основно покритие		Only in 10.1, 52	Only in Клауза А	No limit stated
Hospitalization		No limit statedOnly in 47.1, 47.7	No limit statedOnly in 35.2, 61.5	No limit stated	No limit stated	Only in Регион А, Регион Б	No limit statedOnly in Клауза 1 – Медицински разноски, т. 1.3	Only in Клауза 1 – Медицински разноски	No limit stated	Only in 5.1.1.1, 5.1.10	No limit stated	Only in Основно покритие, 19.2 Стационарно лечение	Only in Основно покритие	No limit stated	Only in 10.1, 52.1, 11.3, 57.3	Only in Клауза А	No limit stated
Outpatient treatment		No limit statedOnly in 12.1, 16.16, 46	No limit statedOnly in 10.1, 35.1, 58	No limit stated	No limit stated	Only in Регион А, Регион Б	Only in Клауза 1 – Медицински разноски, т. 1.1	No limit statedOnly in Клауза 1 – Медицински разноски	No limit stated	Only in 5.1.1.1	No limit stated	Only in Основно покритие, 19.1 Амбулаторно лечение	Only in Основно покритие	No limit stated	Only in 10.1, 52		No limit stated
Medical evacuation		No limit statedOnly in 4.20, 46, 47.3	No limit statedOnly in 10.2, 35.4, 59	No limit stated	No limit stated	Only in Регион А, Регион Б	Only in Клауза 1 – Медицински разноски, т. 1.4	Only in Клауза 1 – Медицински разноски	No limit stated	Only in 5.1.2, 5.1.2.1	No limit stated	Only in Основно покритие, 19.1 Амбулаторно лечение, 19.2 Стационарно лечение, 19.5 Разходи за завръщане в България при стационарно лечение	Only in Основно покритие	No limit stated	Only in 53, 53.1, 53.2		No limit stated
Repatriation of remains		No limit statedOnly in 4.22, 47.5	No limit statedOnly in 10.2, 35.4, 35.5, 60, 60.1	No limit stated	No limit stated		Only in Клауза 1 – Медицински разноски, т. 1.5	Only in Клауза 1 – Медицински разноски		Only in 5.1.2.2, 5.1.3		Only in Основно покритие, 19.6 Разходи за транспортиране на тленни останки	Only in Основно покритие		Only in 53.4		No limit stated
Pre existing conditions													Only in Основно покритие				No limit stated
Winter sports cover		No limit statedOnly in 4.48, 16.28, 16.29	No limit statedOnly in 11.4, 11.4.2, 11.4.3, 39.2, 39.3, 12.30		No limit statedOnly in любителски спортове		No limit stated		No limit stated	No limit statedOnly in 7.19, 7.19.3, 7.19.7	No limit stated	Only in Пакет "Ски и сноуборд"	Only in Група А спортове	No limit stated			No limit stated
Adventure sports cover		No limit statedOnly in 4.48, 16.28	No limit statedOnly in 11.4, 11.4.1, 39.1, 12.30		No limit statedOnly in екстремни спортове		No limit stated		No limit stated	No limit statedOnly in 7.19, 7.19.1, 7.19.4, 7.19.5, 7.19.6, 7.19.7	No limit stated	No limit stated	Only in Група А спортове, Група В спортове, Група С спортове		Only in 12.28, 41, 111		No limit stated
Pregnancy complications			No limit statedOnly in 12.14, 12.14.1, 12.14.2						No limit stated	No limit statedOnly in 7.4					Only in 12.11, 12.11.1, 12.11.2		No limit stated
Death accident	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available
Baggage	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available
Trip cancellation	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Not available	No limit stated

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.