Instinct Insurance Travel insurance (Pomosht Pri Patuvane V Chuzhbina)

Travelers get support for emergency medical and dental assistance, backed by 24/7 Bulgarian-language help and a clinic network worldwide.

The insured sum is fully selectable from 10,000 EUR up to 100,000 EUR, letting travelers right-size cover to destination and risk.

The IPID explicitly covers veterinary exam, treatment, repatriation and even euthanasia costs for a pet travelling with the insured — a benefit rarely found in standard travel policies.

Travelers can add selectable packages — trip curtailment/extension, flight delay or cancellation, lost documents/luggage, accidental death or disability, winter-sports equipment, and car-travel assistance — paying only for what they choose.

Assistance call deadline

Upon occurrence or becoming aware of an insured event, the insured (or their representative) must contact the assistance company at the 24/7 service center telephone number stated in the policy in order to be provided with assistance.

Section: Какви са задълженията ми?

Застрахованият /или негов представител/ следва да се свърже с Асистанс компанията на посочения в полицата телефон на денонощния Обслужващ център, за да му бъде указано съдействие.

Unauthorized treatment

If medical services are arranged without coordination with the assistance company, and this may lead to costs related to the insured's health condition, the liability limit is reduced to 250 EUR/USD.

Section: Има ли ограничения на покритието?

При несъгласуване с асистанс компанията на медицинските услугите, които могат да доведат до възникване на разходи свързани със здравословното състояние, лимитът на отговорност ще бъде в размер на 250 EUR/USD.

eligibility_health_condition

To be insured, a person must be in good health at the date of policy conclusion, with no objective medical contraindications to travel.

които към датата на сключване на полицата са в добро здравословно състояние и не съществуват обективни медицински противопоказания

Pre-existing condition exclusions

Pre-existing diseases or conditions are excluded from cover (clause 5.14). For a chronic or pre-existing illness, only the costs of stabilising a sudden, acute, immediately life-threatening episode are paid (clause 5.36); illnesses that appeared before departure and were left untreated or not fully treated are also excluded (clause 5.39).

Section: 5. КАКВИ СА ИЗКЛЮЧЕНИЯТА НА ПОКРИТИЯТА

Разходи свързани с предшестващи злополуки и/или предшестващи заболявания.

Coverage duration limit

Unless agreed otherwise, cover starts at 00:00 on the day following payment of the premium (clause 1.29). A single-trip policy runs 1 to 120 days (clause 10.5). A one-year Multitrip policy, available to persons aged 18-70, covers repeated trips of up to 30, 60 or 90 days each (clauses 1.7, 10.6).

Section: 1. КАКВО ОЗНАЧАВАТ ОСНОВНИТЕ ТЕРМИНИ

Мултитрип е застрахователен договор, осигуряващ покритие при многократни пътувания. Договорът може да бъде групов или индивидуален. Полицата се сключва за срок от една година, като застрахователното покритие се предоставя в зависимост от максималната продължителност на всяко едно пътуване, което може да бъде в рамките до 30, 60 или 90 дни.

early_termination

The policy may be cancelled free of charge before its start date. After inception, it may be cancelled if the trip did not take place for objective reasons, or otherwise with 14 days' written notice sent to the insurer. This is a termination right, not a statutory withdrawal/cooling-off period.

Section: Кога мога да прекратя договора?

можете да прекратите застраховка и след влизането й в сила, при условие, че пътуването не се е осъществило по обективни причини

Direct payment

Medical assistance must be coordinated through Instinct's affiliated assistance company network. If medical services are not coordinated with the assistance company and this results in health-related costs, the liability limit is capped at 250 EUR/USD.

Territorial scope

Coverage is valid for the territories of all countries in the world, except the Republic of Bulgaria, and for foreign nationals residing in Bulgaria, also excluding their country/ies of habitual residence or a country for which they hold valid health insurance/coverage.