Travel insurance
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| Feature / category | Allianz Jul 9, 2026 Open details | Armeec Jun 8, 2026 Open details | Bulins May 6, 2026 Open details | Bulstrad Jun 8, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | ZAD Allianz Bulgaria AD (Joint Stock Insurance Company Allianz Bulgaria) | Armeec Insurance Joint Stock Company AD | ЗД "БУЛ ИНС" АД | BULSTRAD VIENNA INSURANCE GROUP EAD |
Online purchase | Buy online on Boleron.bg | Yes | No | Buy online on Boleron.bg |
24/7 helpline | Yes | Yes | Yes | Yes |
Starting price | €4 | — | — | — |
Billing basis | per_trip | per_trip | per_trip | per_trip |
Unique selling points |
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IPID | IPID | IPID | IPID | IPID |
Terms & conditions | Not available | Not available | ||
| Coverage | ||||
Medical expenses | €10,000 – €60,000 | Covered | €5,000 – €100,000 | €5,000 – €100,000 |
Medical transport | €50,000 | Covered | €5,000 – €100,000 | Covered |
COVID-19 treatment | 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. | €5,000 | Excluded | €5,000 |
Personal liability | €5,000 – €7,500 | Optional | Optional | Optional |
Emergency dental | €500 | Emergency dental care is included in the mandatory core coverage for persons under 65 years of age. For persons aged 65 and over, this coverage is not provided. | €350 | €350 |
Search & rescue | €5,000 | Optional | Not offered | Optional |
Legal assistance | Covered | Optional | Optional | Optional |
Emergency medical treatment | €10,000 – €60,000 | Covered | €5,000 – €100,000 | €5,000 – €100,000 |
Hospitalization | €10,000 – €60,000 | Covered | €5,000 – €100,000 | Covered |
Outpatient treatment | €10,000 – €60,000 | Covered | €5,000 – €100,000 | Covered |
Medical evacuation | €50,000 | Covered | €5,000 – €100,000 | Covered |
Repatriation of remains | €2,500 – €50,000 | Covered | Covered | Covered |
Pre existing conditions | Excluded | Excluded | Excluded | Excluded |
Winter sports cover | Excluded | Optional | Optional | Excluded |
Adventure sports cover | Excluded | Optional | Optional | Excluded |
Pregnancy complications | Excluded | Excluded | Excluded | Excluded |
| 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. | The insured must notify the Assistance company immediately upon any insured event (personally or through a third party) and follow all instructions. If it was practically impossible to contact the Assistance company or the insurer before receiving medical assistance, this must be done as soon as the insured's condition permits, but in all cases before leaving the medical facility. | In the event of an emergency requiring medical assistance or another covered event, the insured, their representative, or a medical professional must contact the assistance company 'Coris Bulgaria' immediately (within 24 hours) and follow the given instructions. For policies with assistance, the general notification deadline is no later than 75 hours. | 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. |
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. | The insurance must be taken out before the start of the trip, while the insured is on the territory of Bulgaria, their country of permanent residence, or the country for which they have valid health insurance. Insurance cannot be purchased while already abroad. | The insurance policy must be purchased and the premium paid before the policy comes into force. Coverage commences from 00:00 on the start date specified in the policy, provided the premium has been paid. No coverage is provided if the premium has not been paid. | 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 | 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. | Chronic diseases and their recurrences are explicitly excluded from coverage. Only acute illnesses that began within the policy period and require emergency examination and treatment are covered. | Chronic diseases and their consequences are explicitly excluded, as are prior health conditions that required or would have required medical hospitalization or outpatient treatment before the start of the insurance, and diseases treated in the 6 months prior to the policy coming into force. | 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 | 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. | Expenses related to pregnancy, childbirth, abortion, or complications associated with pregnancy are explicitly excluded from coverage. | Examinations related to pregnancy and termination of pregnancy are explicitly excluded from coverage. | 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. |
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. | Expenses incurred without prior approval of the Assistance company or the insurer are not covered. If the insured refuses repatriation when their condition permits it, the insurer is released from liability and subsequent medical and repatriation expenses are at the insured's own expense from the date of refusal. | If the insured independently selects a medical provider in Turkey, the USA, or Canada without the involvement of Coris Bulgaria, the insurer covers medical treatment costs up to a maximum of 100 EUR only. | 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. |
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. | Pre-existing accidents and/or diseases (conditions that occurred and/or were diagnosed before the start of the insurance coverage period) are explicitly excluded from coverage. | Costs for medications and treatment of any illness known before the departure date are excluded. Insured persons must be in good health, have no physical disabilities, and must not be under medical supervision at the date of policy conclusion, unless otherwise agreed in the policy. | 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 | 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. | The insurance term is from 1 day to 1 year depending on the duration of the insured's travel or stay abroad as stated in the policy. For multi-trip insurance the coverage per individual trip is up to 30, 60, or 90 days. In case of ongoing hospitalization, costs incurred up to 15 days after the policy expiry are covered if treatment began and continued without interruption outside the usual place of residence. | Coverage is valid from 00:00 on the start date to 24:00 on the end date specified in the policy. The insurance can be concluded for individual trips or for multiple trips. The specific duration limit per trip is defined in the policy. | 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. |
| Proof and next steps | ||||
Direct payment policy | 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. | Medical expenses must be approved in advance by the Assistance company (Coris Bulgaria). The insurer, through the Assistance company, arranges and pays directly for medical treatment, evacuation, and repatriation up to the agreed limit. Expenses incurred without prior approval of the Assistance company or the insurer are not covered. | The insurer does not make direct payments to medical providers as a standard process; the assistance company 'Coris Bulgaria' coordinates and arranges services. In Turkey, USA, and/or Canada, if the insured independently selects a medical provider without involvement of Coris Bulgaria, the insurer covers medical expenses up to a limit of 100 EUR only. | 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. |
Last verified | Jul 9, 2026 | Jun 8, 2026 | May 6, 2026 | Jun 8, 2026 |