Bulgaria Insurance
Bulgaria Insurance is a travel insurance for the Bulgaria market with online purchase and 24/7 assistance.
Direct payment
The insurer, through the assistance company Coris Bulgaria, organises and directly settles medical costs with healthcare providers. Insured persons must contact the 24/7 assistance centre (+359 2 903 01 31) before seeking treatment so that Coris Bulgaria can authorise and directly pay the expenses.
Geographic scope
Worldwide (Europe, Worldwide incl./excl. USA & Canada, and other selectable territorial zones)
Coverage applies outside the Republic of Bulgaria. The insured person selects the territorial scope (e.g. Europe, Worldwide) at the time of purchase. Coverage is not available on Bulgarian territory or in countries with active military conflicts.
Unique selling points
- COVID-19 medical expenses are covered as standard, with no age restriction and no deductible.
- No age limit applies to this travel insurance product, making it accessible to all travellers regardless of age.
- 24/7 international assistance provided through dedicated partner Coris Bulgaria, available anywhere in the world via a single hotline (+359 2 903 01 31) with direct settlement of medical costs.
- Tailor-made extreme sports coverage is available with the option for a high rescue-cost limit, adapted to individual requirements.
- The policy can be purchased entirely online in four steps and is issued instantly by email, with flexible insured sum and territorial scope selection (Europe, Worldwide incl./excl. USA & Canada).
Coverage limits
Medical Expenses
Covered
Covers medical expenses resulting from accident or acute illness (including COVID-19) during the trip abroad. The insured sum is chosen by the applicant in EUR at the time of purchase from available options displayed during the online quote flow.
Emergency Medical Treatment
Covered
Emergency medical treatment in the event of accident or sudden illness abroad is included as part of the core coverage. The assistance company Coris Bulgaria arranges and settles emergency treatment directly with healthcare providers 24/7.
Hospitalization
Covered
Inpatient/hospitalization costs are covered as part of medical expenses for accident or acute illness abroad. No specific sub-limit is published; limits depend on the insured sum selected at purchase.
Outpatient Treatment
Covered
Outpatient medical treatment (consultations, diagnostics, prescribed medications) resulting from accident or acute illness abroad is included within the medical expenses coverage. No separate sub-limit is published.
Emergency Dental Treatment
Covered
Emergency dental treatment is included as a covered risk under the policy. No specific monetary sub-limit is published on the official product page.
Medical Transport
Covered
Transport to a medical facility and emergency ambulance transport are organised and covered by the assistance company Coris Bulgaria as part of the core medical expenses coverage.
Medical Evacuation
Covered
Medical evacuation is included as part of the 24/7 international assistance service provided through Coris Bulgaria. No specific monetary limit is published separately on the official product page.
Repatriation of Mortal Remains
Covered
Repatriation of mortal remains in the event of death from accident or acute illness abroad is a listed covered risk. No separate monetary limit is published on the official product page.
Search and Rescue / Rescue Costs
Optional
Coverage for risks during extreme sports activities includes the possibility of a high limit for rescue costs. Rescue costs are listed as a covered risk especially in the context of extreme and amateur sports coverage, which are available as selectable options. No fixed limit is published.
COVID-19 Medical Expenses
Covered
Medical expenses resulting from COVID-19 illness are explicitly included in the core coverage. The official product page states: coverage for medical expenses due to COVID-19 is provided without age restrictions and without deductible.
Pre-existing Conditions
Excluded
Coverage applies to accident and acute (sudden) illness only. Pre-existing chronic conditions are a standard exclusion under Bulgarian travel assistance policies and are not listed as a covered risk by Bulgaria Insurance for this product.
Winter / Amateur Sports Cover
Optional
Coverage for risks during amateur sports activities (which includes winter sports) is available as a selectable optional coverage according to individual needs.
Extreme / Adventure Sports Cover
Optional
Tailor-made coverage for risks during extreme sports activities is available as an optional add-on, with the possibility of a high limit for rescue costs based on individual requirements.
Pregnancy Complications
Not offered
Pregnancy complications are not listed as a covered risk on the official Bulgaria Insurance product page for this travel medical product. Coverage applies only to accident and acute illness.
Personal Liability
Covered
Personal liability while travelling is explicitly listed as a covered risk. No specific limit is published on the official product page; the limit depends on the insured sum selected at purchase.
Legal Assistance
Optional
Legal protection is listed as a covered risk that can be included in the policy based on individual needs. No monetary limit is published on the official product page.
24/7 International Assistance
Covered
24/7 international assistance is included as a core feature, provided through Coris Bulgaria (hotline: +359 2 903 01 31). The service handles all kinds of travel emergencies wherever the insured person is in the world.
Key conditions
Assistance call deadline
The insured must contact Coris Bulgaria (the 24/7 assistance centre, +359 2 903 01 31) immediately upon the occurrence of an accident or sudden illness before seeking medical treatment. If the insured is unable to call, a relative or treating physician must do so on their behalf.
Unauthorized treatment
Medical treatment obtained without prior authorisation from the assistance company Coris Bulgaria may not be reimbursed. Certain medical procedures and hospitalisation require pre-authorisation from the insurer before being covered.
Purchase while abroad
The insurance is designed to be purchased before departure. The online platform requires entry of trip start and end dates, personal identification number, preferred currency (EUR or USD), territorial coverage, and purpose of travel. Purchase is available online at bulgariainsurance.bg or by phone at +359 700 13 555.
Chronic conditions
The policy covers acute (sudden) illness only. Chronic and pre-existing conditions are standard exclusions and are not listed as covered risks. Coverage does not apply to treatment of pre-existing conditions unless they result in a sudden acute episode requiring emergency care.
Pregnancy
Pregnancy and pregnancy complications are not listed as covered risks on the official product page. The policy covers medical expenses arising from accident or acute illness only.
Pre-existing condition exclusions
Pre-existing conditions are not covered. The insurance applies to Bulgarian and foreign citizens travelling abroad who, at the time of conclusion of the insurance contract, are in good health. Conditions that exist prior to travel are excluded.
Coverage duration limit
The insurance term is selected at the time of purchase for a single trip with defined start and end dates. The currency (EUR or USD) and territorial scope are also selected at the time of purchase. For multi-trip coverage, the separate MULTITRIP product applies.
Where to buy
Policy specifics
Coronavirus (COVID-19) coverage
Travel insurance includes coverage for medical expenses and emergency assistance related to COVID-19
Extreme sports coverage
Tailor-made coverage adapted to individual extreme sports requirements during travel abroad
Trip delay coverage
Coverage for trip delays and associated expenses during travel abroad
Lost or stolen baggage coverage
Compensation for lost or stolen luggage and personal belongings during travel
Personal liability coverage
Coverage for third-party liability claims arising from injury or property damage caused by the insured person
24/7 International Assistance
Round-the-clock international assistance service provided through Coris Bulgaria to handle travel emergencies
Online Purchase Only
Insurance can be obtained online through the company's platform or by phone call
Flexible Coverage Periods
Insurance can be tailored with flexible terms and coverage options according to customer needs
Pre-authorization Requirement
Certain medical procedures and hospitalization require pre-authorization from the insurer