Travel insurance
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| Feature / category | Armeec May 6, 2026 Open details | Bulins May 6, 2026 Open details | Bulstrad May 3, 2026 Open details | DZI May 6, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | Armeec Insurance Joint Stock Company AD | ЗД "БУЛ ИНС" АД | BULSTRAD VIENNA INSURANCE GROUP EAD | DZI – General Insurance EAD / DZI – Life Insurance EAD |
Online purchase | Yes | No | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Billing basis | per_trip | per_trip | per_trip | per_trip |
Unique selling points |
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| Not available |
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IPID | IPID | IPID | IPID | IPID |
Terms & conditions | Not available | |||
| Coverage | ||||
Medical expenses | Covered | €5,000 – €100,000 | €5,000 – €100,000 | €10,000 – €50,000 |
Medical transport | Covered | €5,000 – €100,000 | — | Covered |
COVID-19 treatment | €5,000 | Optional | €5,000 | €10,000 – €50,000 |
Personal liability | Optional | Optional | — | Optional |
Emergency dental | Covers actual costs of emergency dental care to stop acute sudden pain, including: treatment due to covered accident, incision of abscesses and phlegmons in the oral cavity, pulpitis, extraction of suddenly broken or deeply damaged tooth (including anesthesia), prescribed medications, and follow-up examination after dental procedures. Covered only for persons under 65 years of age. For persons aged 65 or over, dental care is an excluded risk in all cases. No assistance service is provided for this risk. | €350 | €350 | €400 |
Search & rescue | Optional | Not offered | — | €2,000 |
Legal assistance | Optional | Optional | Optional | Optional |
Emergency medical treatment | Covered | €5,000 – €100,000 | €5,000 – €100,000 | €10,000 – €50,000 |
Hospitalization | Covered | €5,000 – €100,000 | — | €10,000 – €50,000 |
Outpatient treatment | Covered | €5,000 – €100,000 | — | €10,000 – €50,000 |
Medical evacuation | Covered | €5,000 – €100,000 | — | Covered |
Repatriation of remains | Covered | Covered | — | Covered |
Pre existing conditions | Excluded | Excluded | Excluded | Excluded |
Winter sports cover | Optional | Optional | Conditional | Winter sports practiced on designated, categorised, secured and signposted ski slopes (including beginner ski areas) are covered as part of the standard medical expenses benefit. Winter sports practiced outside designated marked ski pistes are explicitly excluded under section 4.14.4. |
Adventure sports cover | Optional | Optional | Excluded | Excluded |
Pregnancy complications | Pregnancy, including pathological pregnancy, childbirth, abortion, and pregnancy complications are generally excluded. Exception 1: medical expenses related to saving the life of the pregnant woman and/or child are covered, provided that at the departure date at least two months remain until the medically determined due date. Exception 2: the insurer reimburses medical expenses in case of premature birth or abortion caused by a covered accident. | Excluded | Excluded | Costs for treatment related to pregnancy and/or its complications, including childbirth or abortion costs, are generally excluded. Exception: medical expenses for saving the life of the pregnant woman and/or the child are covered only if, at the date of departure abroad, no more than two months remain until the doctor-determined birth date. |
| Key conditions | ||||
Assistance call deadline | The insured must contact the assistance company or the insurer immediately upon occurrence of a covered event (risks under clause 12.1 and 13.1), but no later than 3 working days after the event. If admitted to a medical facility in a state where contact was practically impossible, the insured must contact the assistance company as soon as their condition allows, but in all cases before leaving the medical facility. Failure to comply may result in partial or full denial of claims. | 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 assistance center of Global Services Bulgaria AD at +359 2 8197 197 within 3 days of the insurance event occurring, providing their name, policy number, address and a brief description of the problem. In life-threatening situations, emergency transport to the nearest hospital must be arranged immediately, with the assistance company notified as soon as possible thereafter. | The insured must contact the Insurer/Assistance Company within 3 working days of the occurrence of the insured event, via the DZI 24-hour Customer Service Centre at tel. +359 (0) 700 16 166. Claims for medical or other costs relating to an event for which the Insurer/Assistance Company was not notified within this 3-working-day period, and/or which were not approved or confirmed by them, are excluded from coverage. |
Purchase while abroad | The insurance contract must be concluded before the start of the trip, while the insured is in Bulgaria or their country of habitual residence. Concluding a contract after the start of the trip (while already abroad) is only permissible if: the insured has an active Armeec travel insurance policy, the new policy is concluded before the expiry of the current one, there is no gap in coverage, and no insured event has occurred. Contracts concluded in violation of these conditions are invalid. | 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 departure. The policy is valid from the moment the insured departs from the territory of the Republic of Bulgaria and ends upon return to Bulgaria, not later than 24:00 on the end date stated in the contract. | The insurance must be concluded before the start of travel. Coverage is valid for each individual trip outside the territory of Republic of Bulgaria. Coverage begins from the date of crossing the Bulgarian border on departure and ends on return to Bulgaria, expiration of the maximum trip duration, exhaustion of the sum insured, or termination of the group insurance contract. |
Chronic conditions | Chronic diseases are excluded from coverage, except in the case of an unforeseen exacerbation serious enough to require emergency medical care to save the life of the insured. In such a case, the insurer only pays costs for stabilization of the critical condition (clause 16.8). | 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 diseases are excluded from coverage. Chronic diseases are defined as conditions lasting more than one year with recurring symptoms. However, emergency medical expenses due to sudden acute illness (even if related to a pre-existing condition that manifests acutely) may be covered at insurer's discretion. | Costs for medications and treatment of illnesses known prior to the date of departure, as well as costs for treatment and hospitalisation related to existing chronic diseases, are explicitly excluded from coverage. |
Pregnancy | Pregnancy (including pathological pregnancy), childbirth, abortion, and complications related to pregnancy are generally excluded. Exception: medical expenses to save the life of the pregnant woman and/or child are covered if at departure at least 2 months remain before the expected due date. Medical expenses for premature birth or abortion caused by a covered accident are also reimbursed (clauses 16.11, 16.11.1, 16.10.2). | Examinations related to pregnancy and termination of pregnancy are explicitly excluded from coverage. | Pregnancy, childbirth and resulting complications are excluded from coverage. Termination of pregnancy (abortion) is also excluded unless performed to save the life or health of the insured and is permitted in the country where performed. | Costs for treatment related to pregnancy and/or its complications, including childbirth and abortion, are generally excluded. Exception: medical expenses necessary to save the life of the pregnant woman and/or the child are covered, provided that at the date of departure abroad no more than two months remain until the doctor-determined birth date. |
Unauthorized treatment | Expenses incurred without prior approval from the assistance company or the insurer are not covered (clause 16.1). For events in Turkey, USA and/or Canada, if the insured does not contact the assistance company immediately and independently selects a medical facility or doctor, the insurer covers medical expenses only up to EUR/USD 50. | 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 fails to notify the Assistance Company within 3 days, the Assistance Company is entitled to invoice the insured for any additional costs that could have been avoided had the notification been timely. The Insurer may refuse full payment or reduce the indemnity amount. | Medical transport and repatriation expenses incurred without the prior approval of the Insurer/Assistance Company are not covered and will not be reimbursed. If the insured refuses repatriation, medical expenses are covered only up to the amount that repatriation would have cost, and the insured loses the right to be repatriated to a hospital in Bulgaria. |
Pre existing conditions | Pre-existing accidents (diagnosed before the coverage period start, or requiring hospitalization/medication during the policy) and pre-existing diseases (diagnosed before the coverage period start) are explicitly excluded from all coverage (clauses 16.7, 4.16, 4.18). | 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. | Pre-existing conditions are not covered. Events resulting from chronic diseases or conditions that existed before the insurance period are explicitly excluded. Emergency treatment for sudden acute illness is covered even if the insured has underlying health issues, provided the event is genuinely sudden and unforeseen. | Costs for medications and treatment of any illness known before the departure date are excluded. Treatment costs and hospitalisation for existing chronic diseases are excluded. Any circumstances known to the insured at the time of departure that could lead to claims are also excluded from coverage. |
Coverage duration limit | Single-trip policies can be concluded for a period from 1 day to 1 year. Multitrip policies are available for persons aged 18-64 for a term of 6 months or 1 year; each individual trip under a Multitrip contract may be covered for up to 30, 60, or 90 days. Medical expense coverage per event is limited to a maximum of 15 days of hospitalization, and a maximum of 60 days aggregate for all events per insurance period. | 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. | Hospital treatment is covered for up to 15 days from the date of the accident or sudden illness. The maximum insurance period is 365 days per year. For multi-trip policies, each individual trip must not exceed the maximum duration of the chosen package (Multitrip 31, 62, 92 or 184 days). | For individual DZI Svyat policies: 1 day to 1 year for a single trip, or 1 year for multi-trip annual coverage with maximum stay abroad of 31, 62 or 92 days per trip depending on the chosen option. For group insurance contracts: the group contract must be at least 1 year; individual certificates within it cover unlimited trips per insurance period, with maximum trip duration specified in the group contract. Coverage for each trip begins when the insured crosses the Bulgarian border on departure and ends on return to Bulgaria or on expiry of the maximum per-trip duration, whichever is earlier. |
| Proof and next steps | ||||
Direct payment policy | The insurer, through the assistance company (CORIS Bulgaria), pays directly to the treating doctor, medical facility, or rescue/transport organizations within the contracted network. When the insured has personally paid the costs, original documents must be submitted to the insurer after returning to Bulgaria for reimbursement. For events in Turkey, USA and/or Canada, the insured must contact the assistance company immediately; if this obligation is not fulfilled, the insurer covers medical expenses only up to EUR/USD 50. | 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 AD) organizes and pays directly to the medical facility when notified. If the insured has paid out of pocket, the Insurer reimburses within 15 working days upon receipt of all required documents. Indemnity is paid in BGN at BNB exchange rate on the date of expenses, except when the Insurer pays the medical facility directly. | When an active insurance policy exists, the Insurer/Assistance Company organises payment directly to the relevant medical and/or other service providers on behalf of the insured. The insured must contact the Assistance Company within 3 working days of the insured event and obtain prior approval before incurring transport or repatriation costs. Medical transport and repatriation expenses incurred without prior approval are not covered or reimbursed. |
Last verified | May 6, 2026 | May 6, 2026 | May 3, 2026 | May 6, 2026 |