Insurance Company Euroins AD
Euroins
Euroins is a travel insurance for the Bulgaria market with online purchase and 24/7 assistance.
Direct payment
Medical assistance is arranged and coordinated directly by the assistance company Euro-Center Holding (24/7 Bulgarian-language support at +420 221 860 651). For policies issued through tour operators Tez Tour and Abax, the assistance company is Remed Assistance. The insurer coordinates direct payment for hospitalization and medical transport arranged through the assistance company; other expenses may require upfront payment and subsequent reimbursement.
Geographic scope
Worldwide
Valid worldwide, excluding the Republic of Bulgaria and any other country of which the insured person is a citizen or in which they hold long-term or permanent resident status.
Unique selling points
- Selectable insured sum from EUR 2,000 up to EUR 100,000, providing highly flexible medical coverage levels to match any destination and trip duration.
- 24/7 dedicated Bulgarian-language assistance hotline and online chatbot via Euro-Center Holding, accessible from anywhere in the world.
- COVID-19 medical expenses are covered within the standard policy at no extra charge.
- Policy can be purchased entirely online in minutes with immediate email delivery of all documents, with no need to visit an office.
- Wide age eligibility from 3 months to 85 years, making the product accessible to families with infants and senior travellers alike.
Coverage limits
Medical expenses (inpatient and outpatient treatment, diagnostics, medicines)
€2,000 – €100,000
Covers costs of inpatient and outpatient treatment, diagnostics, and medicines prescribed by a licensed physician as part of treatment, for accident or acute illness during travel abroad. The overall insured sum is freely selectable between EUR 2,000 and EUR 100,000. Medicines must be purchased within 5 days of prescription.
Emergency medical treatment
Covered
Emergency and urgent medical treatment is included within the overall medical expenses coverage. Medical assistance covers only medical activities aimed at controlling acute pain and restoring health to a level that allows the insured to continue the trip or to undergo medical repatriation. No separate sub-limit stated; falls under the overall insured sum (EUR 2,000 to EUR 100,000).
Hospitalization
Covered
Hospitalization due to accident or acute illness abroad is covered within the overall medical expenses limit. No separate hospitalization sub-limit is stated; falls under the overall insured sum (EUR 2,000 to EUR 100,000).
Outpatient treatment
Covered
Outpatient treatment, diagnostics, and medicines are explicitly included in the core medical expenses coverage. No separate sub-limit; falls under the overall insured sum (EUR 2,000 to EUR 100,000).
Emergency dental care
€200
Covers reasonable and usual costs for emergency dental care, limited to cases of pulpitis, abscess, or tooth extraction only. Sub-limit: up to EUR 200 per insured event.
Medical transport
Covered
Medical transport is included within the basic coverage (Option A). Covers transportation to the nearest appropriate medical facility and, where necessary, medical repatriation to Bulgaria including air ambulance. Falls within the overall insured sum; no separate sub-limit stated.
Medical evacuation and repatriation
Covered
Medical repatriation to Bulgaria is included within the basic coverage. Medical activities cover only those aimed at controlling acute pain and restoring health to a level allowing the insured to continue the trip or to undergo medical repatriation. Falls within the overall insured sum; no separate sub-limit stated.
Repatriation of mortal remains
Covered
Repatriation of mortal remains to Bulgaria is included in the basic coverage (Option A). No separate sub-limit stated; falls under the overall insured sum.
Search and rescue costs
Optional
Search and rescue costs are available as an additional optional coverage. Exclusions apply: costs are not covered if the insured violated established rules, markings, warning or prohibition flags or signs, or instructions of guides, rescue services, or competent authorities; also excluded in deserts, jungles, mountains above 4,000 m altitude, the Arctic and Antarctic.
COVID-19 treatment
Covered
COVID-19 medical expenses are covered as specified in the General Terms and Conditions. Falls within the overall medical expenses limit (EUR 2,000 to EUR 100,000).
Pre-existing and chronic conditions
Excluded
By default, past or chronic diseases and their recurrences are excluded from coverage. Conditions such as multiple sclerosis, epilepsy, cirrhosis, osteoporosis, malignant or benign tumours, and congenital anomalies are excluded regardless of when they first manifested. AIDS and sexually transmitted diseases are also excluded. Worsening of a chronic illness during travel may be added as an optional additional risk at policy issuance.
Winter sports coverage
Optional
Winter sports and ski tourism are not included by default. A premium surcharge of up to 150% applies for winter tourism. Coverage is available subject to an additional surcharge negotiated at policy issuance.
Adventure and extreme sports coverage
Optional
Extreme sports are not included by default. A premium surcharge of up to 400% applies for extreme sports. Professional sports attract a surcharge of up to 150%. Coverage is available subject to an additional surcharge negotiated at policy issuance.
Pregnancy complications
Optional
Pregnancy, childbirth, and abortion including their consequences are excluded from the default basic coverage. Pregnancy complications may be added as an optional additional risk at policy issuance.
Civil liability to third parties
€1,000
Covers the insured person's liability for damages caused to third parties during travel abroad, including non-material and material damages from bodily injury or death, property damage, and court costs awarded against the insured. Sub-limit: up to EUR 1,000 per event. Included in Option A (basic coverage).
Legal assistance and legal expenses
Covered
Covers legal defence costs when a claim for damages caused to third parties or an administrative offence under local law is filed against the insured during travel abroad. Covered under the risk of legal expenses in the General Terms and Conditions. No separate monetary sub-limit identified in available sources.
24/7 assistance service
unlimited
24/7 assistance in Bulgarian is provided through Euro-Center Holding (phone: +420 221 860 651) and an online chatbot. For policies through tour operators Tez Tour and Abax, assistance is provided by Remed Assistance (24/7). The insured must notify the assistance company before seeking medical treatment or incurring expenses, no later than 3 working days from the insured event.
Key conditions
Assistance call deadline
The insured must contact the assistance company Euro-Center Holding (+420 221 860 651) before seeking medical treatment or incurring any expenses, and no later than 3 working days from the date of the insured event. Failure to notify may result in denial or reduction of the claim.
Unauthorized treatment
Medical expenses incurred without prior notification and authorisation of the assistance company may not be reimbursed. The insurer and assistance company must be contacted first; exceptions apply only where contact is objectively impossible.
Purchase while abroad
The insurance must be purchased before the start of the trip. Coverage begins on the date and time specified as the start in the policy, provided the premium has been paid in full before the coverage start date.
Chronic conditions
Past or chronic diseases and their recurrences are excluded from the basic coverage by default. Worsening of a chronic illness during travel may be added as an optional additional risk at the time of policy issuance.
Pregnancy
Pregnancy, childbirth, and abortion including their consequences are excluded from the basic coverage. Pregnancy complications may be added as an optional additional risk.
Pre-existing condition exclusions
Pre-existing conditions including past or chronic diseases and their recurrences are excluded by default. Specific exclusions include multiple sclerosis, epilepsy, cirrhosis, osteoporosis, malignant or benign tumours, congenital anomalies, AIDS, and sexually transmitted diseases. Worsening of a chronic illness may be optionally added at policy issuance.
Coverage duration limit
The policy can be issued for a period from 1 day up to 1 year. Coverage ends on the date and time specified as the end in the policy, or when the liability limit is exhausted, or upon the insured person's return from abroad, whichever occurs first.
Where to buy
Policy specifics
Medical assistance abroad
Coverage for medical assistance in case of accident or acute illness during travel abroad
SourceAdditional travel costs reimbursement
Reimbursement of unexpected costs incurred as a result of hospitalization, shortened stay, or other insured events during travel
SourceLuggage loss/delay and flight delay coverage
Coverage for costs related to lost, stolen or delayed luggage, flight delays exceeding 5 hours, and missed connecting flights
SourceThird-party liability coverage
Optional additional coverage for liability to third parties incurred during travel abroad
SourceTerritorial exclusion - country of residence
Insurance does not apply to the territory of the Republic of Bulgaria or any country where the insured person is a citizen or permanent resident
SourceAdvance notification to assistance company
Insured person must notify the assistance company (Euro-Center Holding) before seeking medical treatment or incurring any expenses, not later than 3 working days from the insured event
SourceAge eligibility
Insured person must be between 3 months and 85 years of age at the time of policy conclusion
SourcePolicy validity periods
Policy can be issued for either 1 day (short-term) or up to 1 year (long-term) depending on the duration of stay abroad
Source