AxiTravel
AxiTravel is a travel insurance for the Bulgaria market with online purchase and limited assistance availability.
Direct payment
All expenses incurred without prior approval of the Assistance company or the Insurer are not covered. In case of hospitalization, prior confirmation from the insurer is not required; outside working hours the insured may visit a chosen medical facility for urgent or emergency care and collect all original medical and financial documents for subsequent reimbursement.
Geographic scope
Worldwide except Bulgaria and the insured person's country of permanent residence or citizenship
Valid worldwide excluding the territory of the Republic of Bulgaria and the country where the insured person has permanent residence, registered office, or citizenship. The AxiSchengen variant restricts coverage to Schengen member states only.
Unique selling points
- Full end-to-end online policy issuance via MyAxiom portal, with the policy and all accompanying documents delivered by email.
- The AxiSchengen variant offers two coverage tiers (30,000 EUR and 50,000 EUR) compliant with Schengen visa requirements, covering all Schengen member states.
- Coverage duration is fully flexible, from 1 to 365 days, suitable for single trips, business travel, study, and multi-trip annual needs.
- Acute COVID-19 medical expenses are explicitly included in the core coverage at no additional premium.
- Family and group discounts are available, and optional add-ons (civil liability, legal protection, baggage, accidental death) allow tailored coverage at affordable prices.
Coverage limits
Medical Expenses
Covered
Covers medical expenses resulting from accident or acute illness, including acute conditions arising from COVID-19, as well as emergency dental treatment (abscess, pulpitis, or tooth extraction). The insured sum is the insurer's limit of liability for the policy period. For the AxiSchengen variant, the base limit is 30,000 EUR and the extended limit is 50,000 EUR. Persons over 70 years of age are insured only for basic risks and only with the insurer's permission at an increased premium. Emergency dental treatment is excluded for persons over 70.
Emergency Medical Treatment
Covered
Covered as part of the core medical expenses benefit for accidents and acute illnesses. Covered within the same insured sum as medical expenses (30,000 EUR base / 50,000 EUR extended for the AxiSchengen variant). Includes treatment for acute COVID-19 conditions.
Hospitalization
Covered
Hospitalization costs arising from accident or acute illness are covered within the overall medical expenses insured sum. Prior insurer confirmation is not required for hospitalization; the insured may visit a chosen facility during non-working hours and must gather all original documents for reimbursement. Specific sub-limits for hospitalization are not stated in available sources.
Outpatient Treatment
Covered
Outpatient treatment for accident or acute illness is covered within the overall medical expenses insured sum. No separate sub-limit for outpatient treatment is stated in available sources.
Emergency Dental Treatment
Conditional
Emergency dental treatment is covered as part of the core medical expenses benefit, specifically in cases of abscess, pulpitis, or tooth extraction, or when dental treatment is necessitated by a covered accident. Dental treatment is an excluded risk for persons over 70 years of age.
Medical Transport
Covered
Transport to a medical facility is covered as part of the core benefit. The AxiSchengen product page confirms transport costs to a medical facility are included. Specific monetary sub-limits for transport are not stated in available sources.
Medical Evacuation
Covered
Medical evacuation is included as part of the repatriation benefit for accident or acute illness. Specific monetary sub-limits are not stated in available sources.
Repatriation of Remains
Covered
Repatriation following accident, acute illness, or death of the insured person is core coverage. Repatriation of mortal remains in case of death due to accident or acute illness is included. Burial expenses abroad are listed as an optional add-on. Specific monetary sub-limits for repatriation are not stated in available sources.
Search and Rescue
Not offered
Search and rescue costs are not listed in the core or optional coverages described in the IPID or product pages. Not evidenced as included.
COVID-19 Treatment
Covered
Medical expenses for managing acute conditions resulting from COVID-19 are explicitly included in the core coverage. Covered within the same insured sum as general medical expenses (30,000 EUR base / 50,000 EUR extended for the AxiSchengen variant). Only acute/emergency COVID-19 states are covered; planned treatment is excluded.
Pre-existing Conditions
Excluded
Pre-existing conditions are explicitly excluded. The insurer does not cover medical expenses for conditions that existed before the conclusion of the insurance contract, or for planned treatment.
Winter Sports Cover
Not offered
Winter sports cover is not mentioned in the IPID or verified product pages as a core or optional coverage for this product.
Adventure Sports Cover
Not offered
Adventure or extreme sports cover is not mentioned in the IPID or verified product pages as a core or optional coverage for this product.
Pregnancy Complications
Excluded
Pregnancy, childbirth, abortion, and complications related to pregnancy are explicitly excluded from coverage.
Personal Liability
Optional
Civil liability to third parties for property or non-property damage caused by the insured is available as an optional add-on to the base policy. Specific coverage limits are not stated in available sources.
Legal Assistance
Optional
Costs related to legal protection are available as an optional add-on to the base policy. Specific coverage limits are not stated in available sources.
24/7 Assistance Service
Covered
An Assistance company is referenced in the IPID as integral to the coverage — expenses made without the Assistance company's or insurer's approval are not covered. This implies an assistance service is part of the product. No explicit 24/7 label or monetary value is stated in the available sources.
Key conditions
Assistance call deadline
The insured must notify the insurer immediately (personally or through a third party) upon the occurrence of an insured event and provide detailed information about the event and its circumstances. All expenses made without approval of the Assistance company or the insurer are not covered.
Unauthorized treatment
All expenses incurred without prior approval of the Assistance company or the Insurer are excluded from coverage. The insured is required to obtain approval before receiving treatment, except in cases of urgent hospitalization where prior confirmation is not required.
Purchase while abroad
The policy enters into force from 00:00 on the start date stated therein, after payment of the due premium and in accordance with the policy conditions. No explicit restriction on purchasing while already abroad is stated in the available sources.
Chronic conditions
Chronic diseases are explicitly excluded from coverage, as are AIDS/HIV and infertility treatments including in vitro fertilization.
Pregnancy
Pregnancy, childbirth, abortion, and all complications related to pregnancy are explicitly excluded from coverage.
Pre-existing condition exclusions
Pre-existing conditions (conditions existing before the conclusion of the insurance contract) are explicitly excluded from coverage. Planned medical treatment is also excluded.
Coverage duration limit
Coverage is valid from 00:00 on the policy start date to 24:00 on the end date stated in the policy. Trips of 1 to 365 days are available for the AxiTravel product line.
Where to buy
Documents
Insurance Product Information Document – Travel Assistance (IPID)
ipid
Policy specifics
Schengen Visa Coverage
Insurance is specifically intended for non-EU individuals applying for a Schengen visa for the entire period of stay in Europe, in accordance with Regulation (EC) No 810/2009
Trip Cancellation Coverage
Coverage reimburses pre-paid, non-refundable travel expenses (airline, hotel, other tourist services) if trip is cancelled before departure for unforeseen covered medical or non-medical reasons beyond control
Medical Expenses Coverage
Covers medical expenses resulting from accident or acute illness, including expenses for acute conditions resulting from COVID-19, as well as emergency dental treatment and repatriation costs
Geographic Coverage Territory
Insurance is valid for worldwide territory except Bulgaria and the country of permanent residence, domicile, or citizenship of the insured person
Repatriation Coverage
Covers repatriation expenses following accident, acute illness, or death of the insured person
Trip Cancellation Policy Validity Period
Policy must be concluded within 7 days of travel contract conclusion, airline ticket purchase, or hotel reservation, with initial payment made and minimum 10 days remaining before trip start
Medical Approval and Hospitalization
In case of hospitalization, insured person does not need to obtain prior confirmation from the insurer. During non-working hours, insured can visit chosen medical facility for urgent or emergency care.
Claims Submission Requirements
Written claim notice per insurer template, medical documents (epicrisis, sick notes, test results, autopsy), expense justifying documents in original (invoices with receipts and prescriptions), and documents certifying event occurrence (protocols, official notes)