Travel assistance when travelling abroad

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What is “Travel assistance abroad” insurance?

“Travel assistance” is a type of medical insurance for individuals that you can voluntarily take out when traveling abroad. It covers various risks arising from an accident and illness during a temporary stay outside Bulgaria. It can be valid for a single or unlimited trips within one year.

Why order from us?

We will give you professional advice which insurer to approach and which is the best price - coverage option, given the specifics of your trip. We will also provide you with the necessary adequate assistance at the occurrence of an insured event.

Risks covered

It is popular to offer “Travel assistance” insurance as travel packages, each of which upgrades the previous one with additional coverage, and respectively the price changes.

The standard risks covered are:

Medical expenses (expenses for checks, exams, treatment) in the event of an accident or illness;
Emergency dental treatment;
Costs for transportation to a hospital and for repatriation;
Expenditure on medicines and drugs.

In addition, a wide range of risks are offered. For example:

Cancellation of travel;
Covid-19;
Loss or theft of luggage and documents;
Permanent disability;
Death by accident or illness;
Legal aid.

Territorial coverage

The “Travel assistance abroad” insurance can be taken out for countries around the world, but does not apply to Bulgaria when taken out by Bulgarian nationals. Different insurers differentiate different geographical areas, with prices varying according to the zone to which you are traveling.

Conclusion and price

The period of validity of the insurance varies from one day to one year (some insurers have a minimum period of three days). To determine the price of the medical insurance, the following is taken into account:

Travel period;
Purpose of the trip (the practice of sports and physical labour usually costs more);
Age of the travelers;
Selected insurance coverage;
Territorial coverage.

Some insurers offer a discount on the price when taking out group “Travel assistance abroad” insurance or when insuring all family members.

Questuions and Answers

For now only one insurance company in Bulgaria offers coverage fot COID-19 when travelling abroad. For offer and additional questions, please contact us

If you are insured and your health rights are not suspended, you have the right to be issued the so-called European Health Insurance Card. This card gives you the benefit of emergency or urgent medical or dental care in all EU countries. However, this is as far as its coverage goes. The European Health Insurance Card does not cover transportation and repatriation costs, nor risks such as permanent disability, loss of luggage, cancellation of travel, etc. Also, it is not valid for countries outside the European Union.

You need an identity card or a foreign passport in order to take out the “Travel assistance abroad” insurance. Some insurers have an upper age limit for insured persons, which varies between 74 and 75 years old.

Most insurers have a partner assisting company whose phones are listed on the policy. Their requirement in the event of a covered risk - such as illness or accident - is to notify the assisting company as quickly as possible, as its task is to refer you to a particular hospital or to send a doctor for a home visit. If you forget to do so, the cost may be at your expense.

Although often the assisting company directly covers the costs of hospital stay and treatment, it is a good idea to keep all the invoices you are given, as well as the receipts in case you bought medicines. In other cases, such as loss of luggage, you need to present invoices for the purchase of necessities, and in the event of a canceled trip you must attach your ticket. Therefore, it is best to consult with the assisting company and/or the insurer in order to avoid being denied payment of compensation due to missing required documents.

Yes, you can take out such insurance from Bulgaria, but it will not apply to the country of your nationality or of your permanent address.