UNIQA pure
UNIQA pure is a travel insurance for the Bulgaria market with online purchase and 24/7 assistance.
Direct payment
The insurer, through the Assistance company, directs the insured to an appropriate healthcare institution and pays the actually incurred costs for medical examinations, treatment, medicaments, and repatriation directly up to the agreed policy limit. If the insured pays costs themselves, reimbursement can be claimed by notifying the insurer online at www.uniqa.bg within 5 working days of return.
Geographic scope
Bulgaria
Europe (excl. Turkey), Worldwide excl. USA & Canada, or Worldwide – selected at purchase. Coverage is not provided for trips to Ukraine, Russian Federation, or Belarus.
Unique selling points
- COVID-19 medical expenses and repatriation are covered as standard in all packages with no additional premium required.
- Instant online policy issuance after purchase – policy delivered by email immediately with a pocket version for smartphones.
- Three selectable coverage tiers (easy, smart, expert) with optional add-ons for winter sports, trip cancellation, and trip interruption allow full personalisation of cover.
- 24/7 worldwide emergency assistance hotline included in all packages with direct payment to healthcare providers in most cases, eliminating upfront costs for the insured.
- Multi-trip annual option with selectable per-trip durations of 31, 62, or 92 days provides flexible and cost-effective protection for frequent travellers under a single policy.
Coverage limits
Medical expenses (inpatient and outpatient)
Not offered
Covers urgent medical expenses due to acute illness or accident incurred while travelling abroad, including inpatient and outpatient treatment, surgical intervention, medical devices, and evacuation costs. Included in all three tiers (easy, smart, expert). The policy sum insured is selected by the policyholder at purchase; no fixed per-tier medical limit is published in official documents.
Emergency medical treatment
Covered
Covers necessary costs for emergency medical examinations, treatment, or surgical intervention due to acute illness or accident, including transportation costs for evacuation to the nearest or other hospital. Included in all packages. Common amateur sports and leisure activities (excluding winter sports and extreme or professional sports) are also covered.
Hospitalization
Covered
Inpatient hospitalization costs are covered under the medical expenses coverage in all packages. The overall policy sum insured applies; no separate hospitalization sub-limit is stated. Personal comfort costs during hospitalization are explicitly excluded.
Outpatient treatment
Covered
Outpatient medical consultations and treatment are covered under urgent medical expenses in all packages, within the overall policy limit. Subsequent non-emergency treatment following stabilisation of an acute condition is not covered. Routine check-ups or examinations where no illness or accident is diagnosed are also excluded.
Emergency dental treatment
Covered
Covers emergency dental treatment to relieve acute sudden pain resulting from an accident, pulpitis, abscess, or tooth extraction covered under the policy. Limit: up to 300 EUR per insured person. Included in all packages (easy, smart, expert).
Medical transportation and repatriation
Covered
Covers transportation of the insured or their remains from the country of the accident or acute illness (or from the treating healthcare institution) to the country of permanent residence. Included in all packages. COVID-19 related medical transport and repatriation is also covered. The limit equals the overall policy sum insured.
Medical evacuation
Covered
Evacuation transportation costs to the nearest or other hospital for emergency medical care are included within the urgent medical expenses coverage in all packages. The limit is the overall policy sum insured.
Repatriation of mortal remains
Covered
Covered under medical transportation and repatriation: transportation of the insured's mortal remains from the country of death to the country of permanent residence. Included in all packages. The limit equals the overall policy sum insured.
Rescue expenses
Optional
Optional additional cover included in the smart and expert packages. Covers costs incurred by search and rescue organisations for searching, rescuing, providing first medical aid, and transporting the insured to a healthcare institution. Limit: up to 5,000 EUR per insured person.
COVID-19 medical treatment
Covered
All packages include COVID-19 coverage for medical expenses and medical transportation and repatriation. Trip cancellation and trip interruption costs related to COVID-19 disease are NOT covered. The overall medical expenses policy limit applies.
Pre-existing and chronic conditions
Conditional
Treatment of chronic or recurrent diseases or conditions pre-existing before policy inception is generally excluded. However, in case of a suddenly occurring life-threatening crisis resulting from a pre-existing condition, emergency medical aid to stabilise the insured is covered, as well as medical transportation and repatriation of mortal remains to the country of permanent residence.
Winter sports coverage
Optional
Optional add-on available for all packages against additional premium. Applies only during the official ski season. Medical expenses and medical transport or repatriation related to winter sports are covered only if this option is added. Sub-limit for unused ski lift passes and replacement equipment rental: up to 300 EUR per insured person. Winter sports off marked ski slopes and in freeride zones remain excluded even with this cover.
Amateur sports and leisure activities
Conditional
Common amateur and leisure sports activities (excluding winter sports, professional sports, and extreme sports) are covered within the basic medical expenses coverage in the easy package and above. Professional and extreme amateur sports such as parachuting, bungee jumping, alpinism, rock-climbing, mountain biking, diving, surfing, rafting, caving, hunting, ATV or off-road driving, paintball, and competitions of any kind are excluded unless explicitly written in the policy with additional premium paid.
Pregnancy complications
Conditional
Pregnancy, childbirth, and abortion are generally excluded. Life-threatening conditions arising from unexpected pregnancy complications are covered under emergency medical aid provisions. Sterility, gender change, and sexually-transmitted diseases are also excluded.
Third party civil liability
Optional
Optional additional cover included in the expert package. Covers the insured's liability for unintentional property damage and bodily injuries caused to third parties. Limit: up to 5,000 EUR per insured person. Excludes liability arising from motor vehicles, vessels, aircraft, weapons, real estate, contractual obligations, or professional liability.
Legal assistance
Optional
Optional additional cover included in smart and expert packages. Covers lawyer fees and legal expenses (excluding judicial guarantees) if a lawsuit is brought against the insured for unintentional damage to third parties or for non-compliance with local administrative regulations. Limit: up to 5,000 EUR per insured person. Excludes liability from motor vehicles, vessels, aircraft, weapons, real estate, contractual obligations, or professional liability.
24/7 emergency assistance
Covered
24/7 emergency assistance hotline is included in all packages. Emergency number: +359 (2) 903 01 10. Assistance is provided through the partner Assistance company, which directs the insured to appropriate healthcare, organises transport, and pays medical expenses on the insured's behalf within the agreed policy limit.
Key conditions
Assistance call deadline
The insured must notify the Assistance company within 24 hours of the occurrence of an insured event. When admitted to a healthcare facility in a life-threatening condition, the insured must inform the Assistance company before leaving the facility. For reimbursement of self-paid medical expenses, the insurer must be notified online at www.uniqa.bg within 5 working days of return from abroad.
Unauthorized treatment
If the insured refuses to follow the instructions of the Assistance company or the treating physician, the insurer is released from liability and all subsequent medical and other costs incurred after the date of refusal shall be borne by the insured.
Purchase while abroad
The insurance must be purchased before departure. The policy enters into force at 00:00 on the start date of the trip, provided the premium has been paid. The earliest possible start date is the next day after purchase. Online purchase is not available for applicants aged 70 or older on the trip start date; individual offers are available through UNIQA offices.
Chronic conditions
Treatment of chronic or recurrent diseases or conditions pre-existing before policy inception is excluded. In case of a suddenly occurring crisis from a pre-existing condition, only emergency medical aid to remove the insured from a life-threatening state, and medical transportation or repatriation of mortal remains, are covered.
Pregnancy
Pregnancy, childbirth, and abortion are excluded, except in cases of a life-threatening condition. Sterility, gender change, and sexually-transmitted diseases are also excluded.
Pre-existing condition exclusions
Pre-existing chronic or recurrent diseases are generally excluded. Emergency stabilisation, medical transport, and repatriation are covered even for pre-existing conditions if a sudden life-threatening crisis occurs during the trip.
Coverage duration limit
For single-trip policies, the policy is valid for the period of the trip. For multi-trip annual policies, coverage is provided for one year with a maximum duration per trip of 31, 62, or 92 days depending on the selected option. Coverage expires upon expiry of the policy, death, or 50% degree loss of working ability of the insured.
Where to buy
Policy specifics
Medical expenses when abroad
Coverage for medical treatment expenses incurred while traveling abroad, including COVID-19 related treatments
Medical transportation and repatriation
Coverage for medical return transportation and repatriation to home country, including COVID-19 related cases
Dental emergency treatment
Coverage for emergency dental treatments while traveling abroad
Sports activities coverage
Coverage for accidents and injuries related to common sports and leisure activities during travel
Trip cancellation coverage
Optional coverage for reimbursement of prepaid travel and accommodation costs if trip is cancelled
Trip interruption coverage
Optional coverage for losses when a trip is interrupted or cut short
Personal baggage coverage
Coverage for loss, theft, or damage to personal luggage and belongings during travel
Rescue and emergency assistance costs
Coverage for rescue and emergency assistance expenses incurred during travel, including mountain rescue
Winter sports coverage
Coverage for winter sports activities and related risks, with specific conditions and seasonal applicability
Age restriction for online purchase
Online travel insurance cannot be purchased if applicant is 70 years or older on the trip start date
Territorial coverage options
Policy holder must select territorial coverage band at time of purchase: Europe or Worldwide
COVID-19 exclusion for trip cancellation
No reimbursement for trip cancellation or interruption costs directly caused by COVID-19 disease
24/7 Emergency assistance hotline
Insured persons can call 24-hour emergency hotline for medical assistance and emergency support while abroad
Travel warning and FCDO exclusion
No coverage for travel to countries with active government tourist warnings before trip start date
Claim notification timing requirements
Insured must notify insurer within specific timeframe after insured event occurs, with emergency notification within 24 hours