Groupama Travel insurance (Pomosht Pri Patuvane)

Insured sum of up to 100,000 EUR/USD for single-trip policies, significantly above the Schengen visa minimum requirement.

Fully online purchase and policy issuance in minutes — policy delivered directly to email after payment by debit or credit card.

Multitrip (annual) variant covers unlimited trips worldwide including USA and Canada, with per-trip duration of up to 30, 60, or 90 days selectable by the customer.

Personal liability (1,000 EUR/USD) and legal assistance (1,000 EUR/USD) included in the base coverage at no extra cost.

Assistance call deadline

The insured must contact the assistance company no later than 3 working days from becoming aware of the insured event. If admitted as an emergency and unable to contact the company, the obligation must be fulfilled no later than 3 working days after their condition allows. Failure to comply reduces the liability limit under the basic coverage to 200 EUR/USD.

Section: XII. ЗАДЪЛЖЕНИЯ НА ЗАСТРАХОВАНИЯ ПРИ НАСТЪПВАНЕ НА ЗАСТРАХОВАТЕЛНО СЪБИТИЕ

не по-късно от три работни дни от узнаването за застрахователното събитие

Unauthorized treatment

If the insured incurs medical expenses without prior coordination and approval from the assistance company, the liability limit under the basic coverage is reduced to 200 EUR/USD. The insurer may refuse payment if the failure to notify was intended to prevent it from establishing the circumstances of the event.

Section: XII. ЗАДЪЛЖЕНИЯ НА ЗАСТРАХОВАНИЯ ПРИ НАСТЪПВАНЕ НА ЗАСТРАХОВАТЕЛНО СЪБИТИЕ

лимитът на отговорност по Основно покритие за Застрахователя е в размер на 200 USD/EUR

Purchase while abroad

Unless otherwise agreed, insurance coverage begins only after the due premium has been paid under the contract; the contract term and the start/end of the coverage period are stated in the individual policy.

Section: V. СРОК НА ЗАСТРАХОВАТЕЛНИЯ ДОГОВОР, ПЕРИОД НА ЗАСТРАХОВАТЕЛНОТО ПОКРИТИЕ И ЗАСТРАХОВАТЕЛЕН ПЕРИОД

Освен ако не е уговорено друго, застрахователното покритие започва след заплащането на дължимата премия по договора.

Chronic conditions

Chronic diseases are not covered as unforeseen and urgent medical expenses since their symptoms pre-existed the policy start date. An exception applies only if the chronic condition manifests as a sudden, acute, life-threatening complication requiring emergency medical intervention — in such cases only stabilisation costs are covered.

Section: IX. ОБЩИ ИЗКЛЮЧЕНИЯ

В резултат на хронично или предшестващо заминаването заболяване, освен, когато симптомите са внезапни, остри и непосредствено застрашаващи живота на Застрахования.

Pregnancy

Events resulting from pregnancy and all pregnancy-related complications, termination of pregnancy, childbirth, spontaneous abortion, and ectopic pregnancy are explicitly excluded. Artificial insemination and infertility treatments are also excluded.

Section: IX. ОБЩИ ИЗКЛЮЧЕНИЯ

В резултат на бременност и всички усложнения, свързани с бременността, както и прекъсване на бременност, раждане или спонтанен аборт, извънматочна бременност.

Pre-existing condition exclusions

Pre-existing conditions (illnesses or medical states for which the insured has received treatment, sought medical advice, or became aware of before the start of the insurance period) are excluded. A partial exception applies for acute, sudden, life-threatening exacerbations — only stabilisation costs are covered.

Section: VI. ОПРЕДЕЛЕНИЯ

Предшестващо заболяване или състояние - заболяване или медицинско състояние, за което Застрахованият е получил лечение, търсил е медицински съвет или е узнал за съществуването му преди началото на застрахователния срок.

Coverage duration limit

The term of the contract and the start/end of the coverage period are specified in the individual policy. Multitrip (annual) policies cover an unlimited number of trips within one calendar year, with each individual trip limited to 30, 60, or 90 days, counted from crossing the Bulgarian border on departure to crossing it on return. Coverage ends early once the agreed liability limits are exhausted.

Section: V. СРОК НА ЗАСТРАХОВАТЕЛНИЯ ДОГОВОР, ПЕРИОД НА ЗАСТРАХОВАТЕЛНОТО ПОКРИТИЕ И ЗАСТРАХОВАТЕЛЕН ПЕРИОД

застрахователното покритие за всяко едно пътуване е не повече от 30 /тридесет/, 60 /шестдесет/ или 90 /деветдесет/ дни

Direct payment

The assistance company coordinates and directly pays for covered medical services. If the insured pays out of pocket without prior coordination with the assistance company, the liability limit is reduced to 200 EUR/USD. Reimbursement is made within 15 working days after all documents are submitted.