Insurance Company Euroins AD
Euroins
Euroins is a travel insurance for the Bulgaria market with online purchase and 24/7 assistance.
Direct payment
The assistance company designated in the insurance contract provides 24-hour support and pays, on the insurer's behalf, the approved costs of medical and other services used by the insured. However, for emergency dental care, luggage theft, loss or delay of luggage, missed connecting flights, and loss/damage/theft of personal documents, the insured must pay first and then submit a written claim to the insurer for reimbursement.
Geographic scope
Selectable: Europe (excluding Turkey and Russia), Worldwide (excluding USA and Canada), or full Worldwide
The insured may select one of three territorial scopes: Europe excluding Turkey and Russia; Worldwide excluding the USA and Canada; or full Worldwide. Regardless of the scope chosen, the insurance does not apply within the Republic of Bulgaria or any other country of which the insured is a citizen or in which they hold long-term or permanent resident status.
Unique selling points
- Freely selectable overall sum insured from EUR 2,000 up to EUR 100,000, though senior travellers aged 75+ are capped at EUR 15,000.
- Three selectable territorial scopes — Europe excluding Turkey and Russia, Worldwide excluding the USA and Canada, or full Worldwide — let travellers match cover to their itinerary.
- 24-hour qualified assistance company support reachable via a duty phone stated in the policy, which pays approved service costs directly on the insurer's behalf.
- Broad menu of optional riders — search & rescue up to EUR 10,000, worsening of chronic illness, pregnancy complications after week 26, replacement staff, and permanent disability/death from accident — for risks many competitors only offer as separate policies.
Coverage limits
Medical expenses (inpatient and outpatient treatment, diagnostics, medicines)
€2,000 – €100,000
Covers reasonable and usual costs of inpatient and outpatient treatment, diagnostics, and medicines prescribed by a licensed physician, following an accident or acute illness abroad. The overall limit of liability is freely selectable between EUR 2,000 and EUR 100,000; however, for insured persons aged 75 and over the overall limit is capped at EUR 15,000 regardless of the selected option. Medicines must be purchased within 5 days of the prescription date.
Section: Какво покрива застраховката? > Общ лимит
Общият лимит по полицата се избира от Вас и в зависимост от основното покритие може бъде минимум 2 000 евро и максимум 100 000 евро.
Emergency medical treatment
Covered
No limit stated
Emergency and urgent medical care is included within the overall medical expenses cover; medical assistance is limited to activities aimed at controlling acute pain and restoring the insured's health to a level allowing continuation of the trip or medical repatriation. No separate sub-limit; falls under the overall limit of liability (EUR 2,000–100,000).
Section: III. ЗАСТРАХОВАТЕЛНО ПОКРИТИЕ > Характеристика на покритите рискове
Медицинската помощ по ал.1 включва само медицинските дейности, насочени към овладяване на острата болкова симптоматика и възстановяване на здравето на застрахованото лице до степен, която му позволява да продължи пътуването или да бъде извършено медицинско репатриране.
Hospitalization
Covered
No limit stated
Emergency hospitalization for diagnosis and inpatient treatment in a standard room is covered as part of medical expenses, limited to a maximum of 20 days per insured event. Falls within the overall limit of liability (EUR 2,000–100,000); no separate monetary sub-limit is stated.
Section: III. ЗАСТРАХОВАТЕЛНО ПОКРИТИЕ > Характеристика на покритите рискове
спешна хоспитализация за диагностика и стационарно лечение в стандартна стая на лечебното заведение за не повече от 20 (двадесет) дни;
Outpatient treatment
Covered
No limit stated
Outpatient treatment, including medical examinations, procedures and diagnostic tests performed by licensed medical specialists, is included in the core medical expenses cover. No separate sub-limit; falls under the overall limit of liability (EUR 2,000–100,000).
Section: III. ЗАСТРАХОВАТЕЛНО ПОКРИТИЕ > Характеристика на покритите рискове
медицински прегледи, манипулации и изследвания, назначени и проведени от правоспособни медицински специалисти;
Emergency dental care
€200
Covers reasonable and usual costs for emergency dental care, limited strictly to cases of pulpitis, abscess, or tooth extraction. Sub-limit: up to EUR 200 per insured event. This benefit is reimbursement-only — the insured pays first and then claims reimbursement, as it is not among the costs paid directly by the assistance company.
Section: Какво покрива застраховката? > Опция А
Спешна стоматологична помощ в случай на пулпит, абсцес или екстракция на зъб: до 200 евро
Medical transport
Covered
No limit stated
Medical transport is included within the basic coverage (Option A), covering transport of the insured from the site of the event to the nearest suitable medical facility or physician. Falls within the overall limit of liability; no separate sub-limit stated.
Section: III. ЗАСТРАХОВАТЕЛНО ПОКРИТИЕ > Характеристика на покритите рискове
медицински транспорт на застрахованото лице от мястото на настъпване на застрахователното събитие до най-близкото лечебно заведение или лекар;
Medical evacuation and repatriation
Covered
No limit stated
Medical repatriation to a hospital in Bulgaria or the insured's country of permanent residence is included within the basic coverage, subject to prior approval by the insurer/assistance company and a medical opinion confirming fitness to travel. Falls within the overall limit of liability; no separate sub-limit stated.
Section: III. ЗАСТРАХОВАТЕЛНО ПОКРИТИЕ > Характеристика на покритите рискове
репатриране на застрахованото лице от лечебно заведение в чужбина до лечебно заведение в Република България или до държавата на постоянното му местожителство с цел продължаване на лечението в болнични условия;
Repatriation of mortal remains
10% of insured sum
Repatriation of the insured's mortal remains to Bulgaria or their country of permanent residence is included in the basic coverage without a separate percentage cap. As an alternative, burial or cremation abroad is covered up to 10% of the agreed overall limit of liability.
Section: III. ЗАСТРАХОВАТЕЛНО ПОКРИТИЕ > Характеристика на покритите рискове
погребение или кремация в чужбина в размер до 10 (десет) процента от договорения общ лимит на отговорност.
Search and rescue costs
€3,000 – €10,000
Search, rescue and first-aid costs incurred by local specialized services are available as an optional additional risk, with a selectable limit of EUR 3,000, 5,000 or 10,000. Excluded where the insured violated established rules, markings, warning/prohibition signs or instructions of guides, rescue services or competent authorities, and in deserts, jungles, mountains above 4,000 m, the Arctic and Antarctic.
Section: Какво покрива застраховката? > Допълнителни рискове
Спасителни разходи: до 3 000, 5 000 или 10 000 евро
COVID-19 treatment
Not established from the reviewed documents
Neither the General Terms and Conditions nor the IPID for this product make any reference to COVID-19 or coverage of pandemic-related illness; the documents are silent on this point.
Pre-existing and chronic conditions
Excluded
Past or chronic diseases and their recurrences are excluded from the basic coverage by default (Art. 28(3)(1)). Specific named exclusions include multiple sclerosis, epilepsy, cirrhosis, osteoporosis, malignant/benign tumours (regardless of when first manifested), congenital anomalies, AIDS and sexually transmitted diseases. A related but distinct optional rider, 'worsening of chronic illness', covering acute deterioration of a chronic condition during the trip, may be added at policy issuance with a selectable limit of EUR 250, 500 or 2,000 — this rider does not cover the underlying chronic/pre-existing condition itself.
Section: IV. ИЗКЛЮЧЕНИЯ ОТ ЗАСТРАХОВАТЕЛНОТО ПОКРИТИЕ
минали или хронични заболявания или техни рецидиви;
Winter sports coverage
Optional
No limit stated
Winter sports are not automatically covered; any sport or activity carrying increased health risk must be explicitly agreed and recorded as the purpose of travel in the policy to extend cover to it (Art. 27). Heli-skiing is explicitly excluded regardless of declaration (Art. 28(2)(4)); regular skiing/snowboarding is not named as a hard exclusion but must be declared as the travel purpose and requires necessary protective equipment and use of marked/maintained pistes (Art. 28(2)(2)).
Section: IV. ИЗКЛЮЧЕНИЯ ОТ ЗАСТРАХОВАТЕЛНОТО ПОКРИТИЕ
контактни спортове, скално катерене, алпинизъм, планинарство над 4000 метра надморска височина, хели ски, гмуркане на дълбочини над 10 метра, мотоциклетизъм, парашутизъм, безмоторно летене, бейсджъмпинг, пещернячество, спелеология, циркова дейност, каскади
Adventure and extreme sports coverage
Optional
No limit stated
Extreme/adventure sports are excluded unless the tourism activity is organized by a licensed tour operator with an accompanying licensed instructor or guide, and unless the activity is explicitly agreed and recorded as the purpose of travel (Art. 27). Named hard exclusions include contact sports, rock climbing, alpinism, mountaineering above 4,000 m, heli-skiing, diving below 10 m, motorcycling, parachuting, paragliding, base jumping, caving, speleology, circus activities and stunts.
Section: IV. ИЗКЛЮЧЕНИЯ ОТ ЗАСТРАХОВАТЕЛНОТО ПОКРИТИЕ
туризъм, включващ екстремни спортове, който не е организиран от лицензиран туроператор и/или без придружаващ лицензиран инструктор или водач;
Pregnancy complications
€500 – €2,000
Pregnancy, childbirth and abortion, including their consequences, are excluded from the basic coverage by default (Art. 28(3)(2)). As an optional additional risk, complications arising after the 26th completed week of gestation that directly threaten the health or life of the mother and/or baby may be covered, with a selectable limit of EUR 500, 1,000 or 2,000; complications known to the insured and diagnosed before the policy was concluded (high-risk/pathological pregnancy) are not covered.
Section: Какво покрива застраховката? > Допълнителни рискове
Усложнения при бременност след 26 г.с.: до 500, 1 000 или 2 000 евро
Civil liability to third parties
€1,000
Covers the insured's civil liability for damage caused to third parties while travelling abroad, including non-material and material damages from bodily injury or death, damage to third-party property, and court costs awarded against the insured. Sub-limit: up to EUR 1,000 per event. Included in both Option A and Option B.
Section: Какво покрива застраховката? > Опция А
Гражданска отговорност: до 1000 евро
Legal assistance and legal expenses
€1,000
Only in Опция Б
Covers legal defence costs where a claim for third-party damages or an administrative offence under local law is filed against the insured while travelling abroad. Sub-limit: up to EUR 1,000. This benefit is only available if Option B is selected — it is not included under Option A. Excludes court bail/fines, witness/expert costs, and court fees including state duties.
Section: Какво покрива застраховката? > Опция Б
Правни разноски: до 1 000 евро
24/7 assistance service
Covered
No limit stated
The insured is entitled to assistance from the assistance company designated in the insurance contract, which provides 24-hour qualified support and pays the insurer-approved costs of services used, reachable via the duty phone number stated in the policy. No monetary limit is stated for the assistance service itself; it operates within the overall limit of liability for the underlying risks.
Section: VI. ЗАСТРАХОВАТЕЛНА ПРЕТЕНЦИЯ И ЗАСТРАХОВАТЕЛНО ОБЕЗЩЕТЕНИЕ > Застрахователна претенция
Асистиращата компания оказва съдействие на застрахованото лице и предоставя информация за получаване на необходимата помощ чрез даване на указания за предприемане на действия, организиране на домашно посещение на лекар, насочване към лекари, стоматолози, лечебни заведения, адвокати или други лица, които могат да предоставят на застрахованото лице услугите, от които то се нуждае, включително заплаща одобрените от застрахователя разходи за получените от застрахованото лице услуги.
Key conditions
Assistance call deadline
The insured must contact the assistance company designated in the policy, personally or through another person, before taking any action or incurring any expenses, as soon as possible but no later than 3 working days from the date of the insured event. Failure to notify in time may result in the insurer refusing to cover expenses exceeding EUR 150 that were incurred without prior approval.
SourceClause Чл. 44, ал. 1Page 5Section: VI. ЗАСТРАХОВАТЕЛНА ПРЕТЕНЦИЯ И ЗАСТРАХОВАТЕЛНО ОБЕЗЩЕТЕНИЕ > Застрахователна претенция
При настъпване на застрахователно събитие застрахованото лице е длъжно възможно най-скоро, но не по-късно от 3 (три) работни дни да се свърже с асистиращата компания лично или чрез друго лице преди предприемането на действия или извършването на каквито и да е разходи.
Unauthorized treatment
If the insured incurs medical or other covered expenses without prior notification to, and approval from, the assistance company or the insurer, the insurer may refuse to cover the portion of such expenses exceeding EUR 150.
SourceClause Чл. 44, ал. 3Page 5Section: VI. ЗАСТРАХОВАТЕЛНА ПРЕТЕНЦИЯ И ЗАСТРАХОВАТЕЛНО ОБЕЗЩЕТЕНИЕ > Застрахователна претенция
застрахователят има право да откаже да покрие разходи, надвишаващи сумата от 150 (сто и петдесет) евро, които са направени без предварително одобрение от асистиращата компания или застрахователя.
Purchase while abroad
The policy must be concluded before the trip begins; coverage normally starts at the moment the insured crosses the border leaving their home country, provided the premium is paid. If the insured is already abroad when the contract is concluded, coverage only starts after 15 days from the start of the contract term (provided the premium is paid); this 15-day waiting period does not apply where the new contract extends a policy that is still valid.
SourceClause Чл. 32, ал. 2Page 4Section: V. ЗАСТРАХОВАТЕЛЕН ДОГОВОР > Сключване на договора
Когато се застрахова лице, което при сключването на застрахователния договор се намира в чужбина, застрахователното покритие започва след изтичане на 15 (петнадесет) дни от началото на срока на договора, при условие че е платена дължимата премия.
Chronic conditions
Past or chronic diseases and their recurrences are excluded from the basic coverage by default. As an optional additional risk, sudden worsening of a chronic disease during the trip that directly threatens health or life may be covered, with a selectable limit of EUR 250, 500 or 2,000, added at policy issuance.
SourceClause Чл. 28, ал. 3, т. 1Page 4Section: IV. ИЗКЛЮЧЕНИЯ ОТ ЗАСТРАХОВАТЕЛНОТО ПОКРИТИЕ
минали или хронични заболявания или техни рецидиви;
Pregnancy
Pregnancy, childbirth and abortion, including their consequences, are excluded from the basic coverage. Complications after the 26th week of gestation may be added as an optional additional risk with a selectable limit of EUR 500, 1,000 or 2,000.
SourceClause Чл. 28, ал. 3, т. 2Page 4Section: IV. ИЗКЛЮЧЕНИЯ ОТ ЗАСТРАХОВАТЕЛНОТО ПОКРИТИЕ
бременност, раждане или аборт, включително последиците от тях;
Pre-existing condition exclusions
Pre-existing conditions are excluded by default, including past or chronic diseases and their recurrences. Specifically named exclusions are multiple sclerosis, epilepsy, cirrhosis, osteoporosis, malignant or benign tumours (regardless of when first diagnosed), congenital anomalies, AIDS and sexually transmitted diseases.
SourceClause Чл. 28, ал. 3, т. 4Page 4Section: IV. ИЗКЛЮЧЕНИЯ ОТ ЗАСТРАХОВАТЕЛНОТО ПОКРИТИЕ
множествена склероза, епилепсия, цироза, остеопороза, злокачествени заболявания или доброкачествени образувания, независимо кога са се проявили за първи път;
Coverage duration limit
The policy may be concluded for a term of between 1 day and 1 year, depending on the length of stay abroad, or for 1 year in the case of a 'multitrip' contract. Coverage ends with the exhaustion of the overall limit of liability, the expiry of the contract term, or the insured's return from abroad, whichever occurs first.
SourceClause Чл. 30, ал. 2Page 4Section: V. ЗАСТРАХОВАТЕЛЕН ДОГОВОР > Сключване на договора
Договорът се сключва за определен срок, който може да бъде: 1. от един ден до една година - в зависимост от продължителността на престоя в чужбина; 2. една година – когато договорът е „мултитрип“.
Where to buy
Policy specifics
Medical expenses with customer-selectable limit
Medical expenses coverage with insured sum freely selectable between EUR 2,000 and EUR 100,000 depending on traveler needs
SourcePage 2Section: Какво покрива застраховката?
Общият лимит по полицата се избира от Вас и в зависимост от основното покритие може бъде минимум 2 000 евро и максимум 100 000 евро.
Policy must be purchased before trip commencement
The insurance contract must be concluded prior to the start of the trip with coverage beginning on the date specified in the policy
SourcePage 2Section: Кога започва и кога свършва покритието?
Застраховката се сключва преди началото на пътуването.
Overall limit capped at EUR 15,000 for insured persons aged 75+
For insured persons aged 75 and over, the overall limit of liability under the contract is capped at a maximum of EUR 15,000, regardless of the general EUR 2,000–100,000 selectable range.
SourcePage 2Section: Има ли ограничения на покритието?
Общият лимит по договора за лица на и над 75 г. е максиум 15 000 евро.
Option B supplementary travel benefits (luggage, flight delay, documents, etc.)
Option B adds, on top of Option A's risks: hospital visit costs up to EUR 200; luggage theft up to EUR 50 per item and EUR 400 for all items; loss or delay of luggage up to EUR 100; flight delay compensation of EUR 10 per hour after the 5th hour, up to EUR 100; missed connecting flight costs up to EUR 100; shortened or extended stay abroad up to EUR 1,000; and personal documents replacement up to EUR 100.
SourcePage 1Section: Какво покрива застраховката?
„Опция Б”, която включва рисковете от „Опция А” и: Посещение по време на хоспитализация: до 200 евро Кражба на багаж: до 50 евро за вещ и до 400 евро за всички вещи Загуба или забавяне на багаж: до 100 евро Забавяне на полет: 10 евро за час забавяне след 5-я, максимум 100 евро Изпускане на свързващ полет: до 100 евро Съкращаване или удължаване на престоя в чужбина: до 1 000 евро Лични документи: до 100 евро
Euro-Center Holding as mandatory assistance provider
Medical assistance is arranged exclusively through Euro-Center Holding with 24/7 Bulgarian-language support available. For policies through tour operators Tez Tour and Abax, assistance is provided by Remed Assistance
SourceMandatory notification within 3 working days
Insured persons must notify Euro-Center Holding before or immediately upon medical treatment, but no later than 3 working days from the insured event date, or claim may be reduced or denied
SourceClause Чл. 44Page 5Section: VI. ЗАСТРАХОВАТЕЛНА ПРЕТЕНЦИЯ И ЗАСТРАХОВАТЕЛНО ОБЕЗЩЕТЕНИЕ > Застрахователна претенция
При настъпване на застрахователно събитие застрахованото лице е длъжно възможно най-скоро, но не по-късно от 3 (три) работни дни да се свърже с асистиращата компания лично или чрез друго лице преди предприемането на действия или извършването на каквито и да е разходи.
Unauthorized medical expenses limited to EUR 150
If the insured fails to notify Euro-Center Holding or does not comply with its instructions before incurring medical expenses, the insurer may cover only up to EUR 150 of such unauthorized expenses
SourceTerritorial exclusion - home country and countries of citizenship/residence
Insurance does not apply to the territory of Bulgaria or any country where the insured is a citizen, holds long-term resident status, or permanent residence permit
SourcePage 2Section: Къде съм покрит от застраховката?
Застраховката не важи на територията на Република България и всяка друга държава, на която застрахованото лице е гражданин или в която се ползва със статут на дългосрочно или постоянно пребиваващ.
Assistance company designated in the policy
Medical and other assistance is arranged and coordinated by the assistance company named in the specific insurance contract, reachable via the duty phone number stated in the policy; this company organizes and provides 24-hour qualified assistance.
SourceClause Чл. 4 т.3Page 1Section: II. ОПРЕДЕЛЕНИЯ
„Асистираща компания“ е юридическо лице, което по силата на сключен със застрахователя договор организира и предоставя 24-часова квалифицирана помощ на застрахованото лице при настъпване на застрахователно събитие.
Age eligibility
Insured person must be between 3 months and 85 years of age and in good health at the time of policy conclusion.
SourceClause Чл. 2 (2)Page 1Section: I. ОБЩИ ПОЛОЖЕНИЯ > Застраховани лица
Застраховано лице може да бъде български гражданин или чужденец, който към датата на сключване на застрахователния договор е на възраст между 3 (три) месеца и 85 (осемдесет и пет) навършени години и в добро здравословно състояние.
Health declaration required for insureds aged 65+ on policies over 30 days
Where a contract is concluded for a term longer than 30 days, insured persons aged 65 and over may only be insured after completing a health declaration (insurer's template), personally signed by each such person.
SourceClause Чл. 2 (3)Page 1Section: I. ОБЩИ ПОЛОЖЕНИЯ > Застраховани лица
Когато се сключва договор за срок по-дълъг от 30 (тридесет) дни, лица на възраст на и над 65 (шестдесет и пет) навършени години се застраховат само след попълване на декларация за здравословното им състояние (по образец на застрахователя), лично подписана от всяко лице.
Policy validity periods
Policy can be issued for a term of 1 day up to 1 year depending on the duration of stay abroad, or for 1 year in the case of a multitrip contract.
SourceClause Чл. 30 (2)Page 4Section: V. ЗАСТРАХОВАТЕЛЕН ДОГОВОР > Сключване на договора
Договорът се сключва за определен срок, който може да бъде: 1. от един ден до една година - в зависимост от продължителността на престоя в чужбина; 2. една година – когато договорът е „мултитрип“.
Sources
- https://www.euroins.bg/en/damages/view/pri-shteta-pomosht-pri-patuvane-traveler
- https://www.euroins.bg/en/individual-clients/view/pomosht-pri-patuvane-v-chuzbina
- https://www.euroins.bg/uploads/IPID-Pomos-pri-p-tuvane-v-cuzbina.pdf#page=1
- https://www.euroins.bg/uploads/IPID-Pomos-pri-p-tuvane-v-cuzbina.pdf#page=2
- https://www.euroins.bg/uploads/OU-Pomos-pri-p-tuvane-v-cuzbina-Trav-l-r-BG-01-10-2024-1.pdf#page=1
- https://www.euroins.bg/uploads/OU-Pomos-pri-p-tuvane-v-cuzbina-Trav-l-r-BG-01-10-2024-1.pdf#page=2
- https://www.euroins.bg/uploads/OU-Pomos-pri-p-tuvane-v-cuzbina-Trav-l-r-BG-01-10-2024-1.pdf#page=3
- https://www.euroins.bg/uploads/OU-Pomos-pri-p-tuvane-v-cuzbina-Trav-l-r-BG-01-10-2024-1.pdf#page=4
- https://www.euroins.bg/uploads/OU-Pomos-pri-p-tuvane-v-cuzbina-Trav-l-r-BG-01-10-2024-1.pdf#page=5