Instinct Insurance
Instinct Insurance is a travel insurance for the Bulgaria market with online purchase and 24/7 assistance.
Direct payment
Medical assistance must be coordinated through Instinct's affiliated assistance company network. The assistance company arranges and directly handles emergency medical services; costs not pre-approved through the assistance network may not be reimbursed.
Geographic scope
Worldwide (outside Bulgaria and country of habitual residence)
Coverage applies during travel outside the Republic of Bulgaria and outside the insured's country of habitual residence or country for which they hold valid health insurance or coverage.
Unique selling points
- 24/7 emergency assistance is provided in Bulgarian, with access to a worldwide network of clinics — a rare differentiator for Bulgarian travelers.
- The insured sum is fully selectable from 10,000 EUR up to 100,000 EUR, allowing travelers to right-size their coverage to destination and risk.
- Optional pet medical coverage reimburses examination and treatment costs for pets traveling abroad alongside the insured.
- Policies can be purchased entirely online with premiums tailored by destination, trip duration, and travel purpose (leisure or business).
- An optional Winter Sports package extends core medical coverage to cover ski equipment theft and replacement rental for ski travelers.
Coverage limits
Emergency medical expenses
Covered
Coverage for emergency medical expenses incurred abroad. The insured sum is selectable from 10,000 EUR to 100,000 EUR; the premium depends on the chosen sum, destination, duration, and travel purpose.
Emergency medical treatment
Covered
Included as part of the core emergency medical coverage. Support is provided via 24/7 Bulgarian-language assistance and a worldwide clinic network. Covered within the overall selected insured sum (10,000–100,000 EUR).
Hospitalization
Covered
Hospitalization costs abroad are covered as part of the emergency medical expenses benefit. No separate sublimit is stated in available official sources.
Outpatient treatment
Covered
Outpatient emergency medical treatment abroad is covered as part of the emergency medical expenses benefit. No separate sublimit is stated in available official sources.
Emergency dental treatment
Covered
Emergency dental treatment abroad is explicitly listed as a covered benefit. No separate sublimit is stated in available official sources for this product.
Medical transportation
Covered
Emergency medical transportation is explicitly covered. No separate sublimit is stated in available official sources.
Medical evacuation
Covered
Medical evacuation is covered as part of the medical transportation and repatriation benefit. No separate sublimit is stated in available official sources.
Repatriation of remains
Covered
Repatriation services are included in the core medical transport benefit. No separate sublimit is stated in available official sources.
Pre-existing conditions
Excluded
Pre-existing and chronic conditions are not covered. The product covers only sudden illnesses and accidents occurring during travel. No explicit inclusion of pre-existing conditions is stated in available Instinct sources.
Winter sports cover
Optional
Available as an optional add-on package (Winter Sports package). Covers events such as theft of ski equipment or rental of replacement equipment. No sublimit is stated in available official sources.
24/7 assistance
Covered
Round-the-clock assistance is included, with Bulgarian-language support via a worldwide clinic network and a dedicated 24/7 helpline (+359 28 197 197).
Key conditions
Assistance call deadline
In the event of a medical emergency, the insured must contact the 24/7 assistance helpline as soon as possible. Medical services must be pre-authorized through Instinct's assistance network for costs to be covered.
Unauthorized treatment
Costs for medical treatment not coordinated or authorized through the designated assistance company may not be reimbursed.
Purchase while abroad
The insurance is intended to be purchased before travel. Purchase while already abroad is not explicitly supported in available official sources.
Chronic conditions
Chronic diseases and pre-existing conditions are typically excluded from coverage under this type of travel medical insurance product.
Pregnancy
Pregnancy-related coverage conditions are not explicitly stated in available official Instinct product sources.
Pre-existing condition exclusions
Pre-existing conditions are not covered. Only sudden illnesses and accidents occurring during the travel period are eligible for coverage.
Coverage duration limit
The premium and coverage period depend on the duration of each trip. Both single-trip and annual multi-trip policies are available.
Policy specifics
Emergency medical expenses
Coverage for emergency medical and dental treatment while traveling abroad, with 24/7 Bulgarian language support
Emergency dental assistance
Coverage for emergency dental treatment during travel abroad
Medical transportation and repatriation
Coverage for emergency medical transportation and repatriation services
Pet medical coverage
Optional coverage for medical treatment and examination costs of pets while traveling abroad
24/7 multilingual assistance
Round-the-clock assistance with Bulgarian language support through clinic network worldwide
Travel destination restrictions
Coverage varies based on travel destination; premium depends on destination selection
Travel duration-based premium
Insurance premium is determined by the length/duration of the travel period
Travel purpose classification
Different premium rates apply depending on whether travel is for business or leisure purposes
Insurance sum selection
Insured must select coverage amount from available options; premium depends on selected sum
Assistance network requirement
Medical assistance must be coordinated through Instinct's affiliated assistance company network for coverage to apply