Bulstrad
Булстрад is a travel insurance for the BG market with online purchase and 24/7 assistance.
Direct payment
The Assistance Company (Global Services Bulgaria JSC) arranges and pays directly to medical facilities. If the Insured pays out of pocket, expenses are reimbursed within 15 working days upon submission of all required documents. Indemnity is paid in BGN at BNB exchange rate on the date of expense, except when the Insurer pays directly to the medical establishment.
Geographic scope
worldwide
Valid for all countries worldwide except Republic of Bulgaria; for foreign nationals with long-term or permanent residence in Bulgaria, also excludes their country or countries of citizenship.
Unique selling points
- Modular coverage structure: Clause 1 (Medical Expenses) is mandatory while 8 additional optional clauses allow full customization in a single policy, including trip cancellation, baggage, third-party liability, search and rescue, and family assistance.
- Selectable medical sum insured up to EUR 100,000 per person with options from EUR 5,000 to 100,000, enabling Schengen-compliant or premium-level protection tailored to the policyholder's destination and needs.
- Annual multitrip policies (Multitrip 31, 62, 92, 184 days) cover all trips within one calendar year under a single contract, eliminating coverage gaps for frequent travelers without needing separate policies per trip.
- 24/7 emergency assistance coordinated by Global Services Bulgaria JSC with direct payment to medical facilities, eliminating out-of-pocket expenses in most emergency situations and including emergency cash loans up to EUR 300.
- COVID-19 emergency medical expenses and repatriation included as standard under Clause 1 up to 10 percent of sum insured (max EUR 5,000), with the EU-specific rule applying the limit to costs not covered by the European Health Insurance Card.
Coverage limits
Medical Expenses (Clause 1 - mandatory)
Covered
Covers emergency medical, surgical, pharmaceutical and hospital expenses incurred abroad due to accident and/or sudden sickness, up to the sum insured selected by the insured. Standard options: EUR 5,000; 10,000; 15,000; 20,000; 30,000; 50,000; 75,000; 100,000. Insurer liability is up to the selected sum insured per clause as stated in the policy.
Emergency Medical Treatment
Covered
Covers emergency medical treatment expenses for accident or sudden sickness abroad, up to the sum insured under Clause 1. Includes outpatient and inpatient emergency medical care prescribed by a physician, organized and coordinated through the Assistance Company Global Services Bulgaria JSC (+359 2 8197 197).
Hospitalization (up to 15 days)
Covered
Covers hospital treatment expenses for up to 15 (fifteen) days starting from the date of the accident or sudden sickness, up to the sum insured under Clause 1. Hospitalization is defined as a minimum of 24 hours of inpatient stay pursuant to a medical prescription for urgent examination, consultation, diagnosis and treatment.
Outpatient Treatment
Covered
Covers outpatient medical, surgical and pharmaceutical expenses incurred in emergency cases abroad due to accident or sudden sickness, up to the sum insured under Clause 1. Specialized chronic, psychiatric and addiction care facilities are excluded.
Emergency Dental Care
Covered
Covers expenses for emergency dental treatment including anesthesia, in cases of severe pain and inflammatory processes resulting from an accident or sudden sickness requiring immediate dental care, arising during the Insurance Period. Fixed sum insured of EUR 350.
Medical Transport
Covered
Covers necessary and actually incurred costs for transporting the Insured by specialized medical transport from the place of accident to the nearest emergency healthcare unit, up to the sum insured under Clause 1. The Assistance Company arranges transport and covers costs corresponding to organization of transport to Bulgaria. Written physician recommendation required.
Medical Evacuation
Covered
The Assistance Company arranges and pays for transfer of the Insured to the closest hospital and, if medically necessary, transfer with appropriate medical attendance (including medical flight, regular commercial flight, ambulance) to a hospital better equipped for the specific injury or illness, or direct repatriation to a suitable hospital near the Insured's residence in the country of permanent residence, subject to medical approval.
Repatriation of Mortal Remains
Covered
Covers expenses for being accompanied by a medical person (if prescribed) or for transportation of the mortal remains of the Insured in case of death due to accident or sudden sickness to the place of burial in Bulgaria, including costs for international transport of the coffin (excluding funeral rites). Liability up to the sum insured stated in the policy for each insured person.
Search and Rescue Expenses (Clause 7 - optional)
Optional
Optional clause covering search and rescue expenses incurred by specialized rescue services for the Insured in mountain areas or water basins (ocean, sea, etc.) on the territory of a country or in international territories and waters, up to the sum insured under Clause 7. Ransom costs in alleged abduction cases are excluded.
COVID-19 Emergency Medical Expenses
Covered
Emergency medical expenses and expenses for medical transport and repatriation as a result of COVID-19 illness are covered up to 10% of the sum insured under Clause 1, but not more than EUR 5,000. For EU travel (except Bulgaria) this limit covers expenses not covered by the European Health Insurance Card (EHIC). Quarantine costs and COVID-19 testing without prescription are explicitly excluded.
Pre-existing Conditions
Excluded
Not covered. Expenses incurred due to health problems of the Insured for which medical advice against travel or recommendations for surgical/hospital treatment were given prior to the policy are excluded (Clause 1, item 2.1). Events resulting from chronic illness (item 2.7) are also excluded. Only sudden, unexpected and unforeseen medical events during the trip are covered.
Winter Sports Cover
Excluded
Not covered as standard. Skiing or snowboarding outside the slopes, trails and facilities designated by local authorities and mountain offices is explicitly excluded (Section X, item 1.20). Professional practice of sports including extreme sports and participation in sports competitions is excluded unless agreed by endorsement (item 1.18).
Adventure and Extreme Sports Cover
Excluded
Not covered. Professional practice of extreme sports and participation in sports competitions is excluded unless otherwise agreed in an endorsement. Extreme sports include martial arts, bungee jumping, heli-skiing, mountain and rock climbing, speleology, motorcycling, rafting, motorboat sports, aerial sports, and expeditions to extreme locations (deserts, high mountains above 5,000m, Arctic, Antarctic, jungles).
Pregnancy Complications
Excluded
Not covered. Pregnancy, childbirth and abortion are explicitly excluded under General Exclusions and the special exclusions of Clause 1 (item 2.8). The sole exception is termination of pregnancy performed to save the life or health of the Insured if permitted in the country where performed.
General Third Party Liability (Clause 3 - optional)
Optional
Optional clause covering sums the Insured becomes obliged to pay under a court decision or settlement for damages caused to third parties arising from civil liability occurring outside Bulgaria during the insurance period. Includes property and non-property damages, lost profit, delay interest and legal costs. Coverage up to the sum insured selected for Clause 3.
Legal Assistance (Clause 2 - optional)
Optional
Optional clause covering expenses for lawyer defense up to EUR 1,500 in case the Insured is subject to civil liability proceedings under the civil law in force in the country of travel or stay, in connection to damage caused to a third party or unintentional violation in situations concerning the Insured's private life as an ordinary citizen.
24/7 Emergency Assistance
Covered
24/7 emergency assistance is included as standard via Global Services Bulgaria JSC, telephone +359 2 8197 197. The Assistance Company coordinates all emergency medical assistance, organizes transport and hospitalization, provides emergency information, arranges medication delivery, loans emergency cash up to EUR 300, and assists with travel extension and resumption. The Insured must contact the company immediately or as soon as possible upon occurrence of an insured event.
Key conditions
Assistance call deadline
The Insured must call the 24/7 emergency center of Global Services Bulgaria JSC (+359 2 8197 197) within 3 (three) days of the occurrence of an insured event requiring hospitalization, providing name, policy number and validity, contact details, and a brief description of the problem. For life-threatening situations, the Insured must first arrange emergency transport to the nearest hospital, then contact the Assistance Company as soon as possible. Failure to notify within the required period may result in the Assistance Company invoicing any additional avoidable costs to the Insured.
Unauthorized treatment
If the Insured or their representative cannot contact the Assistance Company due to objective reasons beyond their control (duly evidenced), they must notify the company within 7 days after those reasons cease, and notify the Insurer in writing within 7 days of return to Bulgaria (no later than 30 days from the event). The Insurer may refuse payment in full or reduce indemnity if obligations are not met. The Assistance Company must have free access to the Insured to assess health status; failure to comply without justified objection results in loss of the right to medical assistance.
Purchase while abroad
The insurance must be concluded before the travel date. Coverage commences upon the Insured leaving the territory of Bulgaria, not earlier than the start date stated in the contract, provided the insurance premium has been paid. The policy cannot be used for events that occurred before the policy start date.
Chronic conditions
Events resulting from chronic illness are excluded. A chronic disease is defined as a disease of a separate organ or system of organs with recurrent symptoms over a period longer than one year. Treatment for chronic conditions is not covered even if symptoms resemble those of an acute illness.
Pregnancy
Pregnancy, childbirth and abortion are explicitly excluded from coverage under both the General Exclusions (Section X) and the special exclusions of Clause 1 (item 2.8). The sole exception is termination of pregnancy performed to save the life or health of the Insured, if permitted in the country where performed.
pre_existing_conditions
Expenses due to health problems for which medical advice was given against travel, or recommendations to undergo surgery or hospital treatment prior to insurance conclusion, are excluded (Clause 1, item 2.1). Events as a result of chronic illness (item 2.7) are also excluded. Only sudden, unexpected and unforeseen medical events and emergencies during the trip are covered.
coverage_duration_limit
Insurance may be concluded for a period from 1 (one) day to 1 (one) year. Multitrip packages are available for frequent travelers: Multitrip 31 (31 days), Multitrip 62 (62 days), Multitrip 92 (92 days), Multitrip 184 (184 days), with a total maximum of 365 days per year. Each individual trip must not exceed the maximum number of days specified in the chosen package.
Where to buy
Documents
IPID - Застраховка помощ при пътуване в чужбина (Булстрад Травъл Пакет, актуализация Пощенска банка, авг. 2025)
ipid
IPID - Застраховка помощ при пътуване в чужбина (Булстрад Травъл Пакет, септември 2024)
ipid
Общи условия по застраховка Булстрад Травъл Пакет / General Conditions of Bulstrad Travel Package Insurance (BG+EN, в сила от 14.02.2024)
terms_and_conditions
Policy specifics
Medical transportation and repatriation costs
Coverage for emergency medical transportation of the insured person to the nearest medical facility and repatriation of the insured or deceased remains to Bulgaria
Trip cancellation and interruption
Coverage for documented financial expenses incurred due to cancellation, interruption or extension of voyage caused by accident, sudden illness, or death of insured or family member
Baggage loss, theft and damage protection
Coverage for loss, theft or damage to personal luggage and money during travel abroad
Search and rescue expenses
Coverage for search and rescue expenses incurred by specialized rescue services for the insured person in countries or international areas and waters
General third-party liability
Coverage for amounts the insured becomes obliged to pay for damages caused to third parties due to civil liability occurring during travel outside Bulgaria
Expenses for accompanying person
Coverage for accommodation, food and return trip expenses of a person accompanying the insured in case of hospitalization due to accident or sudden illness
Emergency dental care
Coverage for emergency dental care expenses up to EUR 350 related to sudden accident or illness during travel
Age restriction for insured
Insured person must be under age 75 at the time of insurance conclusion; persons over 75 may be insured after agreement and additional premium
Territorial scope of coverage
Coverage valid for all countries worldwide except Republic of Bulgaria; for foreign citizens also excludes their country of citizenship
Duration of coverage
Insurance can be concluded for period from one day to one year; multi-trip policies available for frequent travelers
Emergency notification requirement
Insured must notify assistance company GLOBAL SERVICES BULGARIA JSC within 3 days of learning of insured event; call required before proceeding with treatment
Pre-existing medical conditions exclusion
No coverage for medical treatment or expenses related to conditions existing prior to insurance commencement or for which medical advice against travel was given
Insured person obligations
Insured must take all reasonable preventive measures for safety, comply with medical advice, pay insurance premium on time, and declare all material circumstances known at contract conclusion
Insurable sum selection
Insured selects coverage limits independently; standard options: EUR 5,000; 10,000; 15,000; 20,000; 30,000; 50,000; 75,000; or 100,000; selection affects premium paid
Assistance company coordination requirement
All emergency medical assistance is coordinated through GLOBAL SERVICES BULGARIA JSC; insured must contact company before incurring expenses for covered services; pre-authorization required for most treatments