Generali
Generali is a travel insurance for the Bulgaria market with online purchase and 24/7 assistance.
Direct payment
The assistance company (Europe Assistance Hungary) directly settles approved medical expenses with the treating facility. If the insured personally paid expenses, they may claim reimbursement from the insurer after returning to Bulgaria by submitting originals of all relevant documents. The insurer does not reimburse medical expenses exceeding 150 currency units incurred without prior approval from the assistance company.
Geographic scope
Worldwide
Whole world except the territory of the Republic of Bulgaria and the country of permanent domicile and origin of the insured
Unique selling points
- COVID-19 medical expenses (outpatient and inpatient treatment, repatriation) are explicitly included in the basic coverage, unlike many competitors where pandemic coverage requires an extra add-on.
- Mountain search and rescue costs are included in the base product as a standalone benefit, providing full coverage for mountain rescue operations worldwide without requiring a separate adventure sports rider.
- Emergency dental treatment is covered in the base policy as a named inclusion, protecting against acute dental pain from accidents or inflammatory processes abroad.
- 24/7 worldwide assistance is provided through Europe Assistance Hungary with direct cashless settlement between the insurer and medical providers when prior authorization is obtained, eliminating out-of-pocket costs for major medical events.
- Optional Multi-Trip annual policy covers unlimited journeys up to 30, 60, or 90 consecutive days each, with total foreign stay up to 180 days per year, offering cost-effective annual protection for frequent travelers.
Coverage limits
Medical Expenses (Accident or Acute Illness)
Covered
Covers costs for outpatient and inpatient treatment resulting from an accident or acute illness during travel abroad, including emergency ambulance or taxi transport, medical examinations, laboratory tests, prescribed medications, and specialist fees. Coverage is up to the insured sum agreed in the policy (in currency units – EUR or USD). For insured sums above 75,000 currency units, a medical risk assessment is required.
SourceEmergency Medical Treatment
Covered
Covers emergency medical treatment for acute illness or accident abroad, including inpatient and outpatient care, diagnostic procedures, surgery, prescribed medications, and physician fees, up to the agreed insured sum. Coverage is valid up to 15 days after the event.
SourceHospitalization (Inpatient Treatment)
Covered
The insurer, through the assistance company, organizes and covers emergency transportation to the nearest hospital, admission and stay in a standard room, treatment until the acute condition is stabilized, including medical examinations, diagnostics, surgery, and prescribed medications. Covered up to the policy limit.
SourceOutpatient Treatment
Covered
Covers outpatient treatment costs for accidents or acute illnesses not requiring early termination of travel, including emergency taxi or ambulance transport, medical examinations, lab tests, X-rays, prescribed medications, and specialist fees, up to the agreed policy limit.
SourceEmergency Dental Treatment
Covered
Covers emergency dental treatment to relieve severe toothache resulting from an accident or acute inflammatory process in the oral cavity for which an exact diagnosis can be established (pulpitis, periodontitis, abscess), extraction of a suddenly broken or deeply damaged tooth, including anesthesia, and one follow-up examination. Does not cover crowns, bridges, veneers, implants, or prostheses.
SourceMedical Transport (Repatriation to Bulgaria)
Covered
Covers transportation costs to return the insured to a hospital in Bulgaria or to their residence in Bulgaria after hospitalization abroad, when the insured's health condition permits transfer and continuation of treatment in Bulgaria. The assistance company's doctors are the sole decision-makers on timing and method of repatriation. Coverage is up to the insured sum but not more than 25,000 currency units (EUR or USD).
SourceMedical Evacuation / Repatriation
Covered
The insurer, through the assistance company, organizes and covers medical evacuation and repatriation of the insured from abroad to Bulgaria when their health condition permits transfer. Coverage is capped at the insured sum under the basic coverage but not more than 25,000 currency units (EUR or USD). A medical specialist escort may be provided if necessary.
SourceRepatriation of Mortal Remains
Covered
Upon death of the insured abroad, the insurer through the assistance company organizes and covers costs for repatriation of the body or cremated remains to a locality in Bulgaria designated by the next of kin. Covered up to the insured sum under the basic coverage but not more than 25,000 currency units (EUR or USD). Storage, ritual, and burial costs are not covered.
SourceMountain Search and Rescue
Covered
The insurer, through the assistance company, pays local specialized mountain rescue services for search and rescue operations in the mountains when necessary. Covered up to the agreed policy limit.
SourceCOVID-19 Medical Expenses
Covered
Covers medical expenses for outpatient and inpatient treatment in the event of COVID-19 infection, costs for return to Bulgaria in the case of inpatient treatment, and costs for repatriation of mortal remains. General epidemic/pandemic expenses are otherwise excluded, but COVID-19 is specifically included.
SourcePre-Existing Conditions
Excluded
Treatment of diseases or conditions existing at the time of policy inception is explicitly excluded, regardless of whether the insured was aware of them at the start date of coverage. This is a standard exclusion applying to the basic coverage.
SourceWinter Sports Cover (Ski and Snowboard Package)
Optional
Winter sports (skiing, snowboarding) are excluded from basic coverage. An optional 'Ski and Snowboard' package is available for an additional premium, covering ski/snowboard equipment theft or destruction, replacement equipment rental, and unused ski lift pass reimbursement in the event of accident or acute illness.
SourceAdventure and Extreme Sports Cover
Excluded
Adventure and high-risk sports are generally excluded, including equestrian racing, hunting, winter sports practiced outside designated areas, mountaineering or rock climbing, caving, parachuting, diving, martial arts, all types of competitions, and all professional sports. Coverage may be agreed upon separately against an additional premium as explicitly noted in the policy.
SourcePregnancy and Complications
Excluded
Expenses related to pregnancy and/or its complications, including abortion, are explicitly excluded from the basic coverage.
SourcePersonal Liability (General Civil Liability)
Optional
Available as an optional add-on (clause 'Personal Liability'). Covers the insured's liability to third parties for property damage, bodily injury, or illness caused by the insured abroad, up to the agreed policy limit. Minors and children cannot be insured under this risk.
SourceLegal Assistance
Optional
Available as an optional add-on (clause 'Legal Aid'). The insurer, through the assistance company, organizes and covers costs up to the agreed limit for legal assistance and defense in foreign court proceedings brought against the insured for civil liability for damages caused to third parties. Costs are covered if incurred up to one month after expiry of insurance coverage. Minors and children cannot be insured under this risk.
Source24/7 Assistance Services
Covered
The assistance company (Europe Assistance Hungary) provides 24/7 telephone assistance services, including medical information, referral to nearest hospitals/clinics, transmission of urgent messages, hotel/flight reservation changes, and drug delivery. The insured must notify the assistance company within 48 hours of the insured event.
SourceKey conditions
Assistance call deadline
The insured must notify the assistance company within 48 hours of the insured event (or from hospitalization). If unable to do so personally, notification may be made by family members, trusted persons, or medical staff. Failure to notify within this deadline may result in partial or full denial of the claim.
Unauthorized treatment
The insurer does not reimburse medical expenses exceeding 150 currency units (EUR or USD) incurred without prior approval from the assistance company. For medical expenses above 150 currency units, the insured must contact and obtain authorization from Europe Assistance Hungary before undertaking treatment.
Purchase while abroad
The insurance must be concluded before the beginning of travel abroad; the starting point must be within the Republic of Bulgaria. The insurer may terminate the contract if concluded in violation of this requirement without express consent, and will not pay indemnity for any event occurring in the meantime.
Chronic conditions
Treatment of pre-existing and chronic diseases existing at the time of policy inception is excluded, regardless of whether the insured was aware of them. Ongoing or routine treatment of chronic conditions is not covered. Only acute (sudden onset) conditions arising during the insured travel period are covered.
Pregnancy
Expenses related to pregnancy and/or complications arising from it, including abortion, are explicitly excluded from coverage. Childbirth complications are not covered.
pre_existing_conditions
Pre-existing conditions are excluded regardless of the insured's awareness at the time of policy inception. Treatment of conditions that existed before the start date of coverage is not reimbursable. Insured persons must be in good health at the time of policy conclusion and must not be in violation of a doctor's prescription.
coverage_duration_limit
Coverage activates upon departure from Bulgaria and ceases upon return to Bulgaria or at 24:00 on the end date specified in the policy, whichever occurs first. Single-trip policies may be concluded for 1 to 365 days. The Multi-Trip annual option covers each individual trip up to 30, 60, or 90 consecutive days, with total foreign stay not exceeding 180 days per year. Medical expenses incurred more than 15 days after the insured event are not covered.
Where to buy
Documents
IPID – Информационен документ за застрахователен продукт: Помощ при пътуване в чужбина с осигурен асистанс
ipid
General Terms and Conditions for Medical Travel Insurance with Assistance (English translation) – Generali Insurance AD
terms_and_conditions
Общи условия за застраховка Помощ при пътуване в чужбина с осигурен асистанс (Bulgarian) – Generali Insurance AD
terms_and_conditions
Terms of Online Travel Insurance – online.generali.bg
other
Policy specifics
Medical expenses reimbursement limit without prior approval
Insurer does not reimburse medical expenses exceeding 150 currency units made without prior approval from the assistance company
Emergency dental treatment coverage
Coverage for emergency dental expenses due to acute conditions
Medical repatriation to Bulgaria
Coverage for transportation costs to return to Bulgaria for hospitalization when medical condition permits
Mountain search and rescue coverage
Covers costs for mountain search, rescue, and transportation from accident site
COVID-19 related medical expenses
Coverage for medical expenses related to COVID-19 infection including ambulatory and hospital treatment and repatriation costs
Age restrictions for coverage
Maximum insurable age of 75 with reduced coverage and purpose restrictions for persons over 70 years
Territorial scope exclusions
Coverage does not apply to Bulgaria or insured's country of domicile/origin; special deduction for travel to Turkey
Assistance company pre-authorization requirement
Medical expenses exceeding 150 currency units require prior approval from assistance company (Europe Assistance Hungary); direct settlement between insurer and provider when approved
Policy inception date requirement
Insurance must be concluded before beginning of travel; starting point must be within Bulgaria