Compare the top travel insurance providers in Bulgaria — see cover, features and typical rates side by side.
20 live offers compared from 4 providers, from BGN 0. Updated daily.
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Travel insurance (застраховка помощ при пътуване) covers unexpected costs while you are away from home — emergency medical treatment, hospitalisation, trip cancellation, lost luggage and repatriation. For Bulgarians travelling within the EU, the European Health Insurance Card gives access to state healthcare, but private travel insurance fills the gaps it does not cover, such as private treatment, repatriation and non-medical losses. For trips outside the EU, standalone travel cover is essential because the EHIC does not apply.
Travel policies are issued by insurers supervised by the Financial Supervision Commission (FSC/KFN) and sold online, through agents, banks and travel operators. Some destinations require proof of medical cover for a visa — for example, Schengen visa applicants must show a policy meeting a minimum medical limit — so many Bulgarian insurers offer Schengen-compliant products. Premiums are quoted in lev, with the currency pegged to the euro at 1.95583 and euro adoption planned.
Emergency medical cover — pays for treatment and hospital stays abroad, including outside the EU where the EHIC does not help.
Repatriation — covers the cost of medical transport back to Bulgaria if needed.
Cancellation and curtailment — reimburses prepaid costs if you cannot travel for a covered reason.
Baggage and delay — compensates for lost, stolen or delayed luggage and related expenses.
Match the medical cover limit to your destination — treatment costs are far higher outside the EU. Decide between a single-trip policy and an annual multi-trip policy if you travel often. Check whether adventure sports, pre-existing conditions and COVID-related costs are covered, and note the excess. If you need the policy for a Schengen or other visa, confirm it meets the required minimum medical limit and includes repatriation.
Allianz Bulgaria Insurance and Generali Bulgaria offer travel policies backed by large international assistance networks, useful for 24/7 support abroad. DZI, part of KBC, and Bulstrad Vienna Insurance Group are also well-established travel insurers with Schengen-compliant options. Policies from all four can be bought online in minutes, and each provides emergency assistance lines for medical coordination while you are away.
Premiums depend on destination, trip length, age, cover limit and any add-ons such as sports or higher medical limits. A short single trip within Europe is inexpensive, while long-haul travel with a high medical limit costs more. Annual multi-trip cover often works out cheaper for frequent travellers. Family policies and higher excesses can reduce the price. Always weigh the premium against the medical limit rather than choosing on price alone.
Travel insurers are supervised by the Financial Supervision Commission under the Insurance Code. The European Health Insurance Card remains a complement, not a replacement — it gives access to state medical care in EU/EEA countries but does not cover private treatment, repatriation or trip disruption. Read the policy wording for exclusions, particularly around pre-existing conditions and high-risk activities, before you rely on the cover.
Do I still need it inside the EU? The EHIC covers state care, but travel insurance adds repatriation, private treatment and non-medical protection.
Will it cover a Schengen visa? Choose a policy that meets the minimum medical limit and includes repatriation, as visa rules require.
Are pre-existing conditions covered? Often only if declared and accepted — check the wording, as undeclared conditions are commonly excluded.
The cheapest Travel Insurance in Bulgaria is BGN 0 from Allianz Bulgaria Insurance.
Giraffy tracks 5 travel insurance products across Allianz Bulgaria Insurance,Generali Bulgaria insurers in Bulgaria. The lowest tracked price is BGN 0. Compare by cover level and excess, not just price — a very cheap policy may have low medical cover limits or high excesses that leave you underinsured.
At minimum, look for: emergency medical treatment and repatriation (at least £5–10 million), trip cancellation and curtailment, baggage and personal effects, personal liability, and passport/travel document cover. Travel to the US requires especially high medical limits due to healthcare costs.
If you take three or more trips per year, annual multi-trip insurance is almost always cheaper than buying single-trip policies. The annual policy covers an unlimited number of trips up to a maximum trip duration (typically 31–90 days). Check that all your planned destinations and activities are included.
Standard policies often exclude pre-existing conditions or charge an additional premium to include them. Always declare medical conditions when applying — failure to disclose can invalidate your claim. Specialist providers offer cover for conditions like diabetes, heart disease, and cancer, though premiums will be higher.
Most standard policies exclude or limit adventure sports — skiing, snowboarding, scuba diving, and other higher-risk activities require specialist cover or add-ons. If you're planning active travel, check the policy's activity list or take out a specialist policy that explicitly includes your planned activities.
The excess is the amount you pay towards each claim before the insurer pays the balance. Higher excess = lower premium. Choose an excess you can comfortably afford — if your excess is £200 and your lost luggage claim is £150, you'll receive nothing. Check whether the excess applies per claim or per incident.