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) organizes and settles payments directly to medical providers up to the agreed policy limits. If the insured pays out-of-pocket, reimbursement can be claimed after returning to Bulgaria by submitting original documents. Medical expenses exceeding 150 currency units made without prior approval of the assistance company will not be reimbursed.
Geographic scope
Worldwide (excluding Bulgaria, country of domicile/citizenship, and sanctioned territories; USA/Canada available with additional premium)
Worldwide except: Republic of Bulgaria, country of permanent residence and citizenship of the insured, USA and Canada (unless explicitly agreed), Iran, Syria, North Korea, Crimea, Donetsk/Luhansk/Zaporizhzhia/Kherson regions, Venezuela, Belarus, Russia, Afghanistan, Myanmar, and other fully embargoed/sanctioned territories.
Unique selling points
- Worldwide coverage including USA and Canada (with additional premium), making it one of the broadest territorial scopes available in Bulgaria.
- 24/7 assistance organized through Europe Assistance Hungary, with direct payment to medical providers so the insured avoids out-of-pocket costs abroad.
- Flexible Multi-Trip annual option covering unlimited trips up to 30/60/90 days each, with a total of up to 180 days abroad per year – ideal for frequent travelers.
- Modular optional add-ons available, including Personal Liability, Legal Aid, Ski & Snowboard Package, Flight Package, and On-the-Road Package, allowing full customization.
- COVID-19 treatment explicitly covered within the basic policy (outpatient, inpatient, repatriation) with a sub-limit of up to 5,000 currency units.
Coverage limits
Medical Expenses (Accident or Acute Illness)
Covered
Covers outpatient and inpatient medical expenses resulting from accident or acute illness abroad, up to the agreed policy limit (range EUR/USD 2,000–50,000). Includes emergency ambulance transport, medical examinations, laboratory tests, X-ray diagnostics, prescribed medicines, and physician fees. For persons over 70, the maximum insured sum under basic cover is 30,000 currency units, with a sub-limit of 5,000 currency units for medical expenses due to acute illness.
Emergency Medical Treatment
Covered
Emergency medical treatment is covered as part of the basic coverage up to the agreed policy limit (EUR/USD 2,000–50,000). Covers stabilization of acute conditions, surgical intervention, physician fees, prescribed medicines, and hospitalization in a standard room. Only acute/emergency treatment is covered; non-urgent treatment or treatment that was the purpose of travel is excluded.
Hospitalization (Inpatient Treatment)
Covered
Covers inpatient hospitalization costs up to the agreed policy limit (EUR/USD 2,000–50,000), including emergency ambulance transport, admission and stay in a standard room, medical examinations, diagnostics, therapeutic and surgical treatment, physician fees, and prescribed medications. Coverage is limited to treatment needed to stabilize the acute condition or pain symptoms.
Outpatient Treatment
Covered
Covers outpatient treatment costs up to the agreed policy limit (EUR/USD 2,000–50,000), including emergency ambulance transport from the scene of the accident/acute illness to the nearest medical facility, medical examinations and tests (laboratory analyses, X-ray diagnostics, etc.), prescribed medicines, and specialist physician fees. Covered when early termination of travel is not required.
Emergency Dental Treatment
Covered
Covers emergency dental treatment up to 250 currency units per event and in total for the entire policy period. Covered services: removal of severe toothache due to accident; relief of severe pain from acute inflammatory processes in the oral cavity with precise diagnosis (pulpitis, periodontitis, abscess); extraction of a suddenly broken or deeply damaged tooth including anaesthesia. One follow-up check-up after treatment is also covered.
Medical Transport / Return to Bulgaria
Covered
Covers the cost of returning the insured to Bulgaria during inpatient treatment when the insured's health condition allows continuation of treatment in Bulgaria, organized by the assistance company. The limit is up to the agreed basic coverage limit but not exceeding 25,000 currency units. The decision on timing and mode of transport is made exclusively by the doctors designated by the assistance company. Also covers inter-hospital medical transport.
Medical Evacuation
Covered
Medical evacuation is organized through the assistance company and covered up to the agreed basic coverage limit but not exceeding 25,000 currency units. Includes emergency ambulance transport from the accident/acute illness site to the nearest appropriate medical facility, and subsequent inter-hospital medical transport. If required, a medical specialist to accompany the insured during return is also covered.
Repatriation of Remains
Covered
In the event that the insured dies while traveling abroad, the assistance company organizes and covers the transport of the body or cremated remains to Bulgaria, to the locality designated by the next of kin. The limit is up to the agreed basic coverage limit but not exceeding 25,000 currency units. Storage costs, funeral rites, and burial expenses are not covered.
Mountain Search and Rescue
Covered
The insurer pays through the assistance company the costs charged by local specialized services for mountain search and rescue operations. The limit is 2,000 currency units per event and in total for the entire policy period.
COVID-19 Treatment
Conditional
Upon diagnosis of COVID-19 (SARS-CoV-2) infection, the insurer covers up to the agreed basic policy limit but not more than 5,000 currency units for: outpatient and inpatient medical treatment expenses; costs of returning to Bulgaria during inpatient treatment; and repatriation of remains. Coverage is included in the basic cover but subject to a sub-limit of 5,000 currency units.
Pre-existing Conditions
Excluded
Expenses for treatment of conditions (diseases) existing at the time of taking out the insurance are explicitly excluded, regardless of whether they were known to the insured at that time. Only persons in good health at the time of policy conclusion who are fit to travel and are not violating medical advice are eligible for coverage.
Winter Sports Cover (Ski and Snowboard Package)
Optional
Optional add-on package covering ski/snowboard-related losses: (1) Own ski/snowboard equipment (skis/snowboard, bindings, boots, helmet) stolen by break-in or destroyed by fire, natural disaster, attempted break-in, or accident – limit up to 150 currency units total. (2) Hired replacement ski/snowboard equipment in case of theft or destruction of own equipment – limit up to 15 currency units per day, max 7 days. (3) Unused portion of ski facility pass due to accident or acute illness – limit up to 50 currency units per day, max 7 days. Note: ski/snowboard outside designated areas is defined as an extreme sport and excluded unless separately agreed.
Extreme/Adventure Sports Cover
Optional
Amateur participation in extreme sports and professional participation in any sport or organized sports competitions (as amateur or professional) are explicitly excluded from the standard policy. However, upon explicit agreement noted in the policy and payment of additional premium, the insurer can include these activities grouped by risk classes. Extreme sports include: all motor sports (land, air, water), all air/aviation sports (including parachuting, hang-gliding, paragliding), bungee jumping, alpinism, speleology, rock climbing, scuba diving, extreme skiing/snowboarding off-piste, bobsleigh, mountain canoeing, rafting, aerial acrobatics, freeride, mountain biking, wingsuit jumping, parkour, and others listed in the T&C.
Pregnancy Complications
Excluded
Expenses related to pregnancy and/or complications arising from it, including abortion, are explicitly excluded. Additionally, complications of pregnancy, childbirth, and the post-natal period, and abortion outside hospital conditions are not considered accidents and are excluded from the accident clause.
Personal Liability
Optional
Optional clause covering the insured's liability up to the agreed policy limit if during travel abroad the insured causes death, bodily injury, illness, or full/partial damage to movable and immovable property of third parties. Coverage is subject to civil liability law of the country where the damage occurred. Excludes: liability from owning/using motor vehicles, watercraft, aircraft, weapons, or real estate; damages from intentional crimes; fines/penalties; contractual liability; professional liability; damages caused under the influence of alcohol or narcotics. Not available for minors.
Legal Assistance
Optional
Optional clause organized through the assistance company, covering legal assistance costs and defense in court proceedings abroad initiated against the insured for damages caused to third parties. Coverage applies to costs incurred up to one month after the expiry of the policy. Not available for minors. Excludes: liability from motor vehicle use; contractual or professional liability proceedings; damages from legal violations under the influence of alcohol or narcotics; proceedings for intentional crimes.
24/7 Assistance Services
Covered
24/7 assistance services are provided as part of the basic coverage through the designated assistance company (Europe Assistance Hungary), accessible via telephone numbers listed in the policy. Services include: information on medical assistance (contacts for doctors, hospitals, emergency centres); tourist information; transmission of urgent messages and reservation changes; delivery of necessary medicines; provision of loans (for loss/theft of documents/bank cards); and posting of bail guarantees (for RTA legal aid). Assistance is available 24 hours a day, 7 days a week worldwide.
Key conditions
Assistance call deadline
The insured must notify the assistance company within 48 hours of the occurrence of the insured event, hospital admission, or other covered event. If the insured cannot do so personally, notification may be made by relatives, trusted persons, or medical staff.
Unauthorized treatment
The insurer does not reimburse medical expenses exceeding 150 currency units incurred without prior approval from the assistance company. Transport costs or return-to-Bulgaria costs incurred without assistance company approval are also not covered.
Purchase while abroad
The insurance contract must be concluded exclusively before the start of travel abroad, with the starting point located in the Republic of Bulgaria. It is not possible to purchase the insurance after travel has commenced. If concluded in violation of this rule without explicit insurer consent, the insurer may terminate the contract within one month of becoming aware, and no compensation shall be due for any event that has already occurred.
Chronic conditions
Expenses for treatment of diseases existing at the time of insurance conclusion are not covered, regardless of whether they were known to the insured at that time. Routine, prophylactic, and scheduled medical examinations and tests are also excluded.
Pregnancy
Expenses related to pregnancy and/or its complications, including abortion, are explicitly excluded. Complications of pregnancy, childbirth, and the post-natal period are also not considered accidents under the accident clause and are excluded from coverage.
Pre-existing condition exclusions
Pre-existing conditions (diseases present at the time of concluding the policy) are explicitly excluded from coverage regardless of whether the insured was aware of them. Only persons in good health at the time of policy conclusion who are medically fit to travel are eligible for insurance.
Coverage duration limit
For a single-trip policy, the maximum period of insurance coverage extension cannot exceed a total of 12 months. For the Multi-Trip option (annual policy), each individual trip may last up to 30, 60, or 90 consecutive days abroad, with a total stay abroad not exceeding 180 days per year. The Multi-Trip option is available for persons aged 6 months to 75 years at the date of policy conclusion and covers only basic cover risks and assistance services. Medical expenses incurred more than 15 days after the occurrence of the acute illness or accident are not covered.
Policy specifics
Optional Flight Package
Optional add-on coverage for flight-related incidents including flight delays, missed connections, and baggage loss/delay
Optional On the Road Package
Optional coverage for vehicle-related incidents while traveling by car, including hotel expenses for road traffic accidents, misfuelling costs, lost car keys, and legal assistance
Optional Ski and Snowboard Package
Optional coverage for skiing and snowboarding-related losses, including personal ski/snowboard equipment, hired equipment, and ski facility damage
Optional Personal Liability Clause
Optional coverage for third-party liability claims if the insured causes damage to third parties while traveling abroad
Optional Legal Aid Clause
Optional coverage for legal assistance costs and court defense fees when traveling abroad
Optional Secure Wallet Clause
Optional coverage for loss or theft of personal documents (passport, ID card, driving license) and credit/debit cards, including compensation for unauthorized use
Optional Reduction or Extension of Stay Clause
Optional coverage for compensation of unforeseen expenses if insured must return to Bulgaria early or extend stay abroad due to accident, illness, or death of relative
Medical Approval Requirement
Insurer does not reimburse medical expenses exceeding 150 currency units made without prior approval from assisting company
Immediate Notification Requirement
Upon insurance event, insured must immediately or within 48 hours notify assistance company with all medical and financial information and strictly follow instructions
Document Retention Requirement
Client must collect and retain originals of all medical and financial documents issued in connection with insurance event for claim submission
Pre-Trip Conclusion Requirement
Insurance contract must be concluded before beginning of travel, with starting point located in the Republic of Bulgaria
Assistance Company Coordination
Medical and assistance services provided through designated assistance company (Europe Assistance Hungary). Medical treatment arrangements and approvals coordinated through assistance provider