Compare Travel Insurance in Bulgaria

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What is travel insurance in Bulgaria?

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.

How the Bulgarian market works

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.

Benefits

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.

How to choose

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.

Leading providers in Bulgaria

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.

What it costs

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.

Protections and regulation

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.

Common questions

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.

Travel Insurance in Bulgaria — FAQ