Real prices from 14 785 policies, concluded online through Boleron - the largest published dataset on travel insurance in Bulgaria.
Last updated: Reviewed by: Desislava Tsvetkova
What you will pay for your trip
Median prices for the whole policy from real sales. Median policy price: 12,34 €. The exact price depends on the destination, the age of the travellers, the purpose of the trip and the coverage.
For an identical sum insured, the most expensive offer is up to 78% higher than the cheapest - the largest price spread of the three main insurance products. 30 seconds of comparison save almost half of the price.
Медианната цена е около 1,50 € на човек на ден (половината полици са между 1,11 и 1,92 €), а медианната цена на полица е 12,34 €.
Най-честият избор е медицинско покритие 30 000 € – 55% от пътуващите.
При идентично покритие най-скъпата оферта е с до 78% по-висока от най-евтината.
За 1 човек и 7 дни медианната премия е 6,30 € при покритие 10 000 €, 10,61 € при 30 000 € и 12,65 € при 50 000 €. Преминаването от 30 000 € към 50 000 € увеличава цената с около 19%.
Най-често пътуват до Гърция (24%), Италия (15%) и Испания (7%); 79% от пътуванията са до 7 дни.
Извън ЕС дестинациите са с ~10–20% по-скъпи на човек на ден при същото покритие, а там Европейската здравна карта не важи.
Shares of 14 785 real policies. Non-EU destinations are ~10-20% more expensive per person per day for the same coverage - and the European Health Insurance Card is not valid there.
| Destination | Share of policies | Status |
|---|---|---|
| Greece | 24% | EU · EHIC valid |
| Italy | 15% | EU · EHIC valid |
| Spain | 7% | EU · EHIC valid |
| Turkey | 4% | non-EU · higher tariff |
| United Kingdom | 4% | non-EU · EHIC not valid |
| Serbia | 2% | non-EU · higher tariff |
79% of trips are up to 7 days; every third one is up to 3 days. Important for EU destinations: the EHIC covers only emergency care in state hospitals under local conditions - without repatriation, private clinics, dental care or luggage.
The most common coverage choice - 55% of travellers. This is also the requirement for a Schengen visa.
27% choose 10 000 € (neighbouring countries), 55% - 30 000 €, 18% - 50 000 € (long-haul and long trips). The price difference between the levels is smaller than expected.
The policy is issued online, including on the day of departure - by email and in your profile.
The price of Travel Abroad insurance does not depend only on the number of days. Boleron's analysis of current tariff documents shows that insurers use a combination of duration, medical coverage, territory, age, purpose of travel, sports activities, number of travellers and additional risks.
Therefore, two policies for the same destination and period may have different prices if the medical-expense limit, the traveller's age or the purpose of the trip are different.
A practical example from Boleron's actual policies: for 1 person and 7 days, the median premium is €6.30 with €10,000 of medical coverage, €10.61 with €30,000 and €12.65 with €50,000. In this sample, moving from €30,000 to €50,000 increases the median price by about 19%, for a 67% higher medical limit.
| Factor | How it affects the price | What the analysed tariffs show |
|---|---|---|
| Duration | More days usually mean a higher premium. | In all three analysed tariffs, the price is directly linked to the duration. |
| Medical coverage | A higher limit increases the premium, but not necessarily proportionally. | Different limits are offered, from low basic levels to €50,000–€100,000. |
| Territory / destination | Broader territory and certain countries may fall into a more expensive tariff zone. | Separate zones are used for Europe, worldwide coverage and the inclusion or exclusion of countries such as the USA, Canada and Turkey. |
| Age | Older age may bring a significant surcharge or additional restrictions. | In the analysed tariffs, surcharges for older people range from 50% to 300%, depending on the age group and product. |
| Purpose of travel | Work, study and other purposes may change the risk profile. | For physical labour and certain professional activities, surcharges of approximately 20% to 100% are used. |
| Sport | Recreational, winter and extreme sports may make the policy more expensive. | The observed surcharges range from approximately 50% to 400%, depending on the sport and tariff. |
| Group / family | Some companies offer group, child or family discounts. | The analysed tariffs include group discounts of 10% to 30% and separate rules for children and families. |
| Additional coverage | Luggage, rescue costs, liability, legal assistance or trip cancellation increase the price. | Additional risks are priced separately in some products. |
| Single or multiple trips | For frequent travellers, an annual/Multitrip policy may use different pricing logic. | Some of the analysed tariffs offer separate products for multiple trips. |
Important: the tariffs cannot be directly compared as price lists: they differ in coverage, limits, territorial zones and conditions. Boleron therefore uses the tariffs to explain the factors, while the actual comparison is made using current offers for the specific trip.
A higher limit increases the premium, but Boleron's actual data show that the difference is not always large. For 1 person and 7 days, the median is €6.30 for €10,000, €10.61 for €30,000 and €12.65 for €50,000.
It is therefore more useful to compare price and coverage together, rather than only the lowest premium.
Yes. In the analysed tariffs, older age may lead to a significant premium surcharge and, for some products, special approval or an age limit.
There is no single market-wide rule: age limits and surcharge amounts differ between companies.
Yes. Winter, extreme and other sports activities are often priced separately. In the analysed tariffs, surcharges range from approximately 50% to 400%, depending on the sport and product.
It is important to declare the activity correctly and ensure that it is included in the coverage.
Not always. For physical labour, international drivers and other professional activities, some tariffs apply a separate surcharge. In the analysed documents, it ranges from approximately 20% to 100%, depending on the work and product.
Yes, but tariff zones are not the same. One company may have a basic European zone and broader worldwide coverage, while another may treat the USA, Canada, Turkey or other countries separately.
Therefore, compare offers for the exact destination, rather than a travel insurance price in general.
For some products, yes. The analysed tariffs include group discounts of approximately 10% to 30%, as well as separate reductions for children, families or students under certain conditions.
These rules are not universal, so the final family price must be calculated under the specific tariff.
In the table, you can compare the main coverages and limits under Travel Abroad insurance from the 7 insurance companies integrated with Boleron. The comparison includes medical expenses, medical transport and repatriation, emergency dental care, luggage, civil liability, legal assistance and other coverages.
At Boleron, each insurer is offered in three packages with medical expense limits of 10,000 EUR, 30,000 EUR and 50,000 EUR. The table shows the coverages and maximum limits for the package with 50,000 EUR in medical expenses, so you can easily compare the terms of different insurers.
| Risk / Feature | Instinct | Bulstrad | Euroins | Lev Ins | UNIQA | Allianz | Colonnade |
|---|---|---|---|---|---|---|---|
| Medical expenses(total) | 50 000 EUR | 50 000 EUR | 50 000 EUR | 50 000 EUR | 50 000 EUR | 30 000 EUR | 50 000 EUR |
| Medical transport / Repatriation | 50 000 EUR | 50 000 EUR | 20 000 EUR | 50 000 EUR | 50 000 EUR | 50 000 EUR | 50 000 EUR |
| COVID-19(Treatment) | 50 000 EUR | 5 000 EUR | 50 000 EUR | 50 000 EUR | 50 000 EUR | 15 000 EUR | 50 000 EUR |
| Emergency dental care | 400 EUR | 350 EUR | 400 EUR | 350 EUR | 300 EUR | 500 EUR | 500 EUR |
| Theft / Loss of baggage | 400 EUR(theft) | 250 EUR | 400 EUR(theft) | 400 EUR | 400 EUR | 500 EUR | 300 EUR |
| Civil liability | 2 000 EUR | 1 000 EUR | 3 000 EUR | 1 000 EUR | 1 000 EUR | 7 500 EUR | 40 000 EUR(bodily) / 5 000 EUR (property) |
| Legal assistance | 1 000 EUR | 1 500 EUR | 1 500 EUR | 1 000 EUR | 1 000 EUR | Assistance | No |
| Search and rescue | 1 000 EUR | 1 000 EUR | – | 1 000 EUR | 1 000 EUR | 5 000 EUR | 20 000 EUR |
| Pet | 200 EUR | No | No | No | No | No | No |
The highest limit in a row is highlighted when it is offered by at most three insurers.
Terms last verified: 31 August 2026. Sources: general terms and information documents of the respective insurers.
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