Allianz
Allianz Assistance is a travel insurance for the BG market with online purchase and 24/7 assistance.
Direct payment
Emergency medical/dental coverage is secondary. If you have other health insurance or health coverage, you must first submit your claim to that provider. If you do not have other health insurance, or it is known that your health insurance does not provide coverage in the geographic area where your emergency medical treatment takes place, submit your claim directly to Allianz. Any payment or compensation received from any other insurer or organization will be deducted from your claim.
Geographic scope
Worldwide (Europe, Worldwide excl. USA/Canada, or Worldwide incl. USA/Canada depending on selected territorial coverage). Excludes Bulgaria and countries with active military operations.
Coverage applies only for travel abroad. No coverage on the territory of Bulgaria, in countries with active military hostilities, or for foreigners traveling in their country of origin. No coverage for travel to North Korea or other sanctioned countries.
Starting from
€4
Unique selling points
- Three selectable tiers — Balance (from €4.01), Classic (from €10.46), Premium (from €20.70) — allowing travelers to right-size emergency medical coverage from 10,000 EUR up to 60,000 EUR for the same trip, with the same 50,000 EUR emergency transport package included across all tiers.
- Comprehensive emergency transport package up to 50,000 EUR — covering medical evacuation, medical repatriation home, return of dependents, transport of a family member to the bedside, and search & rescue (5,000 EUR sublimit) — all under one overall limit included as standard.
- 24/7 multilingual global assistance hotline (+359 2 950 38 50) providing round-the-clock medical coordination, doctor/hospital location, emergency translation, document replacement support, and emergency cash transfer assistance worldwide.
- Personal liability coverage of up to 7,500 EUR (Classic) included as standard for travel abroad, covering third-party bodily injury and property damage claims with legal defense costs — a benefit many basic travel insurance products exclude.
- Online policy issuance available in minutes directly through allianz-assistance.bg or via UniCredit Bulbank, with individual and family tariffs and fast digital claims submission, backed by Allianz Partners' global network of 800,000 partners worldwide.
Coverage limits
Emergency Medical / Dental Assistance Abroad
Covered
Covers reasonable and customary costs for emergency medical or dental treatment received abroad during the trip. Balance tier: 10,000 EUR (pandemic sublimit 5,000 EUR, dental sublimit 200 EUR). Classic tier: 30,000 EUR (pandemic sublimit 15,000 EUR, dental sublimit 500 EUR). Premium tier: 60,000 EUR (pandemic sublimit 30,000 EUR, dental sublimit 500 EUR). Coverage is secondary to any other health insurance the insured holds. Insurer can guarantee or prepay hospital inpatient admissions up to the coverage limit.
Emergency Medical Treatment (inpatient and outpatient)
Covered
Covers emergency medical treatment costs (both outpatient and inpatient) for sudden, unexpected illness or injury that could cause serious harm if not treated before returning home, including epidemic/pandemic diseases such as COVID-19. Balance: up to 10,000 EUR. Classic: up to 30,000 EUR. Premium: up to 60,000 EUR. All subject to their respective pandemic sublimits.
Hospitalization (Inpatient)
Covered
Inpatient hospital treatment is covered under the emergency medical/dental coverage up to the tier limit (Balance: 10,000 EUR; Classic: 30,000 EUR; Premium: 60,000 EUR). Where required, the insurer can guarantee or prepay hospital payments. No separate sublimit for hospitalization; it falls within the combined medical limit.
Outpatient Treatment
Covered
Emergency outpatient medical treatment is covered under the emergency medical/dental coverage up to the tier limit. No separate sublimit for outpatient treatment; it falls within the combined medical limit per tier (Balance 10,000 EUR; Classic 30,000 EUR; Premium 60,000 EUR).
Emergency Dental Treatment
Covered
Covers emergency dental injury, infection, fallen filling or broken tooth requiring treatment abroad. Classic and Premium tiers: subject to a maximum sublimit of 500 EUR within the overall medical limit. Balance tier: dental sublimit not confirmed from primary sources; the BG summary for Balance does not explicitly state a dental sublimit in EUR. Coverage falls within the overall medical/dental limit per tier.
Emergency Transport (Medical)
Covered
Covers emergency local transport to nearest medical facility, medical evacuation to nearest suitable hospital, medical escort if required, and medical repatriation home once stable. Overall limit 50,000 EUR (same across all tiers per the Classic 2204 coverage summary). Sub-limits under Classic 2204: medical repatriation 50,000 EUR; transport of companion to bedside 1,000 EUR; return of dependents 1,000 EUR; repatriation of remains 50,000 EUR; search and rescue 5,000 EUR. Balance tier repatriation of remains sublimit is 2,500 EUR. Premium tier repatriation of remains sublimit is 10,000 EUR. All transport must be authorized and arranged by Allianz.
Medical Evacuation (incl. Search & Rescue)
Covered
If local medical facilities are inadequate, Allianz arranges and pays for transport to the nearest appropriate hospital, including medical escort if required. Emergency evacuation is covered within the 50,000 EUR overall transport limit. Search & rescue is a separate sublimit of 5,000 EUR. Medical repatriation home once stable is covered up to 50,000 EUR. All arrangements must be authorized by Allianz before any transport is made.
Repatriation of Remains
Covered
Covers reasonable and necessary services and supplies for transporting the insured's remains to a funeral home near their permanent residence or within their country of residence. If a family member arranges local burial, cremation, or funeral, Allianz reimburses costs up to what repatriation would have cost. Sublimits by tier: Balance 2,500 EUR; Classic 50,000 EUR; Premium 10,000 EUR. All arrangements must be authorized and organized by Allianz.
Search and Rescue
Covered
Covers costs for search and rescue activities by a professional rescue team if the insured is declared missing during the trip or must be rescued from a physical emergency. Listed as a separate sublimit of 5,000 EUR within the overall 50,000 EUR emergency transport limit across all tiers per the Classic 2204 coverage summary. Does not include medical treatment or emergency transport costs from the rescue site to a medical facility, which are covered separately.
COVID-19 / Pandemic & Epidemic Disease Treatment
Conditional
Medical treatment for pandemic or epidemic diseases including COVID-19 is covered under the emergency medical/dental coverage, subject to a pandemic sublimit per tier. Balance: sublimit 5,000 EUR within the 10,000 EUR medical limit. Classic: sublimit 15,000 EUR within the 30,000 EUR medical limit. Premium: sublimit 30,000 EUR within the 60,000 EUR medical limit (effectively the full limit). Emergency transport for pandemic/epidemic conditions is also covered. Trip interruption due to COVID-19 diagnosis or quarantine (if personally named in a quarantine order) is also covered.
Pre-existing Medical Conditions
Excluded
Pre-existing and known medical conditions are explicitly excluded under the General Exclusions. A pre-existing medical condition is defined as any injury, illness or condition that occurred before or on the date of policy purchase that: (1) caused need for medical examination, diagnosis, assistance or treatment; (2) produced symptoms; or (3) required prescription medication (unless controlled by unchanged prescription). No formal diagnosis is required for the condition to be considered pre-existing. Applies across all tiers.
Winter Sports Coverage
Excluded
High-risk sports and activities are excluded under the General Exclusions. Off-piste skiing, snowboarding outside marked pistes, and skiing/snowboarding in areas accessible by helicopter are explicitly excluded. Standard recreational on-piste skiing is not listed as a covered activity under the 2204 terms and falls within the general high-risk activities exclusion framework. Applies across all tiers.
Adventure / Extreme Sports Coverage
Excluded
High-risk sports and activities are excluded under the General Exclusions per the 2204 terms. Specifically excluded: skydiving, base jumping, paragliding or parachuting; bungee jumping; caving, rappelling or speleology; off-piste or heli-accessed skiing/snowboarding; climbing sports or free climbing; altitude activities above 4,500 m; personal fights or combat sports; racing or training with motorized vehicles or vessels; free diving; diving below 20 m or without a certified instructor. Applies across all tiers.
Pregnancy Complications / Premature Birth
Excluded
Normal, uncomplicated pregnancy and childbirth are explicitly excluded under General Exclusion #4 of the 2204 terms. Fertility treatments and elective abortion are also excluded. No exception for premature birth appears in the 2204 T&C text. Pregnancy as a covered reason under Trip Interruption is explicitly carved out in the exclusions section. Applies across all tiers.
Personal Liability
Covered
Covers bodily injury or property damage caused to third parties during the trip for which the insured is legally liable. Includes compensation obligations and legal defense costs. Balance tier: 5,000 EUR. Classic tier: 7,500 EUR. Premium tier: not confirmed from available IPID sources (likely higher). Specific exclusions include: business/professional activities; motor vehicles, aircraft and vessels; use of firearms; organized competitions; property under the insured's legal care; damages to family members.
Legal Assistance (Travel Services)
Covered
Under Travel Services (Section H), Allianz can assist in finding local legal advice if needed while traveling. No financial limit is specified for this referral/concierge service. Available across all tiers.
24/7 Assistance
Covered
24/7 emergency assistance is available via +359 2 950 38 50. Services include: doctor/hospital location, care monitoring, assistance with lost travel documents, emergency language translation, legal referrals, emergency cash transfer assistance, and urgent message delivery. Global reach with multilingual staff. Available across all tiers.
Key conditions
Assistance call deadline
In case of emergency evacuation requiring transport to another hospital, the insured or someone on their behalf must contact Allianz before any transport arrangements are made. For trip interruption, all travel service providers must be notified within 24 hours of becoming aware of the need to interrupt the trip (including receiving a doctor's advice to interrupt). If serious illness or injury prevents notification within 24 hours, notify as soon as possible.
Unauthorized treatment
If transport for medical evacuation or repatriation is not authorized and arranged by Allianz, the insurer will only pay what it would have paid had it made the arrangements. Allianz accepts no responsibility for any transport arrangements not authorized or organized by it. If the insured does not comply with decisions made by Allianz's assistance and medical teams, Allianz is released from any obligation and liability and reserves the right to deny coverage.
Purchase while abroad
The policy must be purchased on or before the known departure date. Coverage does not apply for policies concluded after the start of the trip. If the policy is purchased on the same day as the departure date, coverage begins at 00:00 on the following day. The premium must be paid before the departure date.
Chronic conditions
Chronic diseases are explicitly excluded under the General Exclusions as pre-existing medical conditions. A chronic or ongoing condition that was causing symptoms, required treatment, or required prescription medication at or before the policy purchase date is not covered. Applies across all tiers.
Pregnancy
Normal, uncomplicated pregnancy and childbirth are explicitly excluded. Fertility treatments and elective abortion are also excluded. The 2204 T&C text does not include a specific exception for premature birth. Pregnancy complications are not covered under the emergency medical section.
pre_existing_conditions
Pre-existing and known medical conditions are not covered. A pre-existing condition is defined as any injury, illness or medical condition that occurred before or on the policy purchase date and: (1) caused need for medical examination, diagnosis, assistance or treatment; (2) produced symptoms; or (3) required prescription medication (unless controlled by an unchanged prescription). The condition does not need to be formally diagnosed to be considered pre-existing. Example: a sprained knee treated before and including the policy purchase date is a pre-existing condition. Applies across all tiers.
coverage_duration_limit
The policy applies to a single specific trip and cannot be renewed or extended for a consecutive policy for the same person to obtain a longer coverage period. Maximum trip duration is 93 days (Classic and Balance) or 184 days (Premium per IPID). The policy expires at the earliest of: the coverage end date; the day the policy is cancelled; the day the trip is cancelled; the day the trip ends; the day the insured arrives at a medical facility for medical reasons; or day 93/184 of the trip. If the return is delayed for a covered reason, coverage is extended until the insured reaches their destination/country of origin or visits a medical facility in their country of residence.
Where to buy
Documents
MyTravel Classic 2204 – Coverage Summary and General Terms and Conditions (English, via UniCredit Bulbank)
terms_and_conditions
MyTravel Classic 2204 – Coverage Summary and General Terms and Conditions (Bulgarian, via Crediport)
terms_and_conditions
MyTravel Classic 2204 – General Terms and Conditions (English, official Allianz Assistance BG)
terms_and_conditions
MyTravel Balance 2204 – Insurance Product Information Document (Bulgarian, UniCredit Bulbank)
ipid
MyTravel Premium 2204 – Insurance Product Information Document (Bulgarian, UniCredit Bulbank)
ipid
Allianz Assistance Bulgaria – Insurance Product Information Documents page (IPID/GTC for all MyTravel tiers)
other
Allianz Assistance Bulgaria – MyTravel product page (Balance, Classic, Platinum tiers, current version)
other
UniCredit Bulbank – Travel Insurance page (includes MyTravel Balance, Classic, Premium T&C and IPID documents)
other
Policy specifics
Emergency Medical Coverage is Secondary
Emergency Medical/Dental Coverage is secondary to any other health insurance. Insured must submit claims to primary health insurance first before claiming from this policy.
Bulgaria Territory Exclusion
Insurance coverage does not apply for travel within Bulgaria or for foreigners traveling in their country of origin. Coverage also excludes countries with active military hostilities and sanctioned countries.
Pre-existing Conditions Exclusion
Pre-existing and known medical conditions are explicitly excluded. A pre-existing condition is any injury, illness or condition that occurred before or on the policy purchase date that caused need for medical examination, diagnosis, treatment, produced symptoms, or required prescription medication.
Authorization Requirement for Medical Transport
All emergency medical transport, evacuation, and repatriation arrangements must be authorized and arranged by Allianz. If transport is arranged without authorization, insurer will only pay what it would have paid had it arranged the transport.
High-Risk Sports and Activities Exclusion
High-risk sports and activities are excluded. These include: racing/training with motorized vehicles, aircraft or vessels, record attempts, use of ramps/rails/trampolines, surfing waves above 6m, rafting above class IV, aerial sports with free-fall/gliding, altitude above 4,500m, combat/fighting sports, free climbing/slacklining/highlining, cave exploration without ropes, free diving below 10m, diving without certified instructor or below 18m, skiing/snowboarding off-piste.
Pandemic/Epidemic Disease Medical Sublimit (per tier)
Medical treatment costs for pandemic or epidemic diseases (including COVID-19) are subject to a sublimit within the overall medical coverage limit, varying by tier. Balance: 5,000 EUR sublimit within 10,000 EUR medical limit. Classic: 15,000 EUR sublimit within 30,000 EUR medical limit. Premium: 30,000 EUR sublimit within 60,000 EUR medical limit.
Emergency Dental Treatment Sublimit
Emergency dental treatment coverage is subject to a sublimit within the overall medical coverage limit. Classic and Premium tiers: maximum sublimit 500 EUR. Balance tier: dental sublimit not confirmed in EUR from reviewed primary sources.
Repatriation of Remains – Sublimit Varies by Tier
The sublimit for repatriation of remains varies significantly by tier: Balance 2,500 EUR; Classic 50,000 EUR; Premium 10,000 EUR. All within the overall 50,000 EUR emergency transport limit. Note: Classic's 50,000 EUR sublimit equals the overall transport limit. This variation is material when choosing a tier.
Search and Rescue Sublimit
Search and rescue costs are covered as a separate sublimit of 5,000 EUR within the overall 50,000 EUR emergency transport limit, as stated in the Classic 2204 Coverage Summary. This covers professional rescue team activities if the insured is declared missing or must be rescued from a physical emergency.
Trip Interruption Coverage
Covers pre-paid, unused travel services and associated costs when trip is interrupted. Maximum benefits per Classic 2204: 100 EUR for unused pre-paid services, 100 EUR for early/delayed return transport, 100 EUR for continuation of travel, 50 EUR per day up to 5 days (max 250 EUR) for extended stay. All within overall 100 EUR trip interruption limit per the Coverage Summary.
Baggage Coverage
Coverage for lost (by travel service provider), damaged, or stolen baggage during the trip. Classic: maximum 500 EUR with 250 EUR sublimit for high-value items; depreciation at 10% per full year of use, capped at 50%. Balance: maximum 250 EUR per IPID. Premium tier baggage limit not separately confirmed from IPID.
Travel Accident Coverage (Death and Disability)
Covers death or permanent disability resulting from an accident during the trip. Classic tier: death benefit 2,500 EUR; permanent disability up to 5,000 EUR. Premium tier: death benefit 5,000 EUR; permanent disability up to 10,000 EUR. Balance tier: not confirmed from reviewed sources. Minimum 6 months of continuous treatment/therapy required before disability benefit is confirmed. The disability benefit is calculated proportionally to the degree of disability.
Must Contact Allianz Before Arranging Transport
In case of emergency evacuation requiring transport to another hospital, the insured or someone on their behalf MUST contact Allianz before any transport arrangements are made. This is mandatory to ensure full reimbursement.
Policy Must Be Purchased Before Departure
The policy must be purchased on or before the known departure date. Coverage does not apply for policies concluded after the start of the trip. If purchased on the same day as departure, coverage begins at 00:00 the following day.
Maximum Trip Duration 93 Days
The policy applies to a single specific trip with a maximum duration of 93 consecutive days. The policy cannot be renewed or extended for a consecutive policy for the same person to obtain a longer coverage period.
Notification Requirements for Trip Interruption
For trip interruption claims, all travel service providers must be notified within 24 hours of becoming aware of the need to interrupt the trip (including receiving doctor's advice to interrupt). If serious illness or injury prevents notification within 24 hours, notify as soon as possible.
Secondary Coverage for Medical/Dental
Emergency Medical/Dental Coverage is secondary to any other primary health insurance the insured person may hold. Insured must submit claims to primary health insurance first before claiming from this policy. If no other health insurance is available, or it is known not to cover the geographical area of treatment, the claim may be submitted directly to Allianz. Any payments from other insurers are deducted from the claim.
Authorization Requirement for Medical Transport
All emergency medical transport, evacuation, and repatriation arrangements must be authorized and arranged by Allianz. If transport is arranged without authorization, insurer will only pay what it would have paid had it arranged the transport. Insured or representative MUST contact Allianz before any transport arrangements are made.
Bulgaria Territory and Home Country Exclusion
Insurance coverage does not apply for travel within Bulgaria or for foreigners traveling in their country of origin. Coverage also excludes countries with active military hostilities and sanctioned countries (e.g. North Korea). Eligible insured persons: Bulgarian citizens with permanent residence in Bulgaria, and foreign nationals with permanent indefinite residence status and valid permanent address in Bulgaria.
High-Risk Sports and Activities Exclusion
High-risk sports and activities are excluded under General Exclusion #11 of the 2204 T&C. Specifically excluded: skydiving, base jumping, paragliding, parachuting; bungee jumping; caving, rappelling, speleology; off-piste or heli-accessed skiing/snowboarding; climbing sports and free climbing; altitude activities above 4,500 m; personal fights/combat sports; racing or training with motorized vehicles or vessels; free diving; diving below 20 m or without a certified instructor. Also excluded: professional or semi-professional sports competitions.
Maximum Trip Duration
The policy applies to a single specific trip. Classic and Balance tiers: maximum trip duration 93 consecutive days. Premium tier: maximum trip duration 184 consecutive days per IPID. The policy cannot be renewed or extended for a consecutive policy for the same person to obtain a longer coverage period.