На кой телефон да се обадя при спешен случай в чужбина?

Трябва незабавно да се свържете с денонощния асистанс център, посочен във Вашата полица: Инстинкт: +359 2 8197 197 Булстрад: +359 2 8197 197 Евроинс: +420 221 860 651 Алианц: +359 2 950 38 50 УНИКА: +359 897 337 707 Лев Инс: +359 897 337 707

Какъв е крайният срок за уведомяване на застрахователя?

Сроковете са различни за всяка компания: УНИКА / Лев Инс: до 24 часа от събитието Инстинкт / Булстрад: до 3 дни Евроинс: до 3 работни дни Алианц: възможно най-бързо

Какво да направя, ако бъда приет в болница по спешност?

Ако състоянието Ви не позволява контакт, уведомете асистанс компанията веднага щом е възможно. Инстинкт и Булстрад: имате до 3 дни след стабилизиране Лев Инс и УНИКА: до 24 часа, но задължително преди напускане на медицинското заведение

Мога ли сам да избера лекар или болница в чужбина?

Не се препоръчва. Ако изберете лекар без предварително съгласуване, лимитите могат да бъдат намалени драстично: Инстинкт: до 250 EUR Лев Инс: до 50 EUR/USD Евроинс: възможен отказ за разходи над 150 EUR

Възможно ли е да платя сам разходите и да ми бъдат възстановени?

Да – при изрични инструкции от асистанса или при извънредни случаи. Изпратете документите в следните срокове след завръщането Ви: Лев Инс: до 5 дни Евроинс / УНИКА: до 7 работни дни Инстинкт: до 10 работни дни

Какви документи са нужни за изплащане на обезщетение?

Трябва да представите оригинални документи, като: Медицински доклади с диагноза, епикризи и/или резултати от изследвания Оригинални фактури и касови бележки на Ваше име При кражба или проблеми с багаж – полицейски и/или летищни протоколи (според случая)

Покрива ли застраховката спешна стоматологична помощ?

Да – за овладяване на остра болка (напр. пулпит, абсцес, екстракция). Лимитите обикновено са между 300 EUR и 500 EUR, в зависимост от застрахователя.

Има ли лимит за дните болничен престой?

Да. Лимитите за болничен престой зависят от застрахователя: Булстрад: до 15 дни Евроинс: до 20 дни Лев Инс: до 25 дни за едно събитие

Какво покрива застраховката при проблеми с багажа?

Покрити могат да бъдат: Кражба чрез взлом от хотела (изисква се полицейски протокол) Загуба или забавяне на регистриран багаж при полет

Има ли „самоучастие“ при щета?

Обикновено не, но при Булстрад има самоучастие от 25.00 EUR за всяка щета, свързана с багаж и лични документи.

Възстановяват ли се разходи за телефонни разговори?

Единствено Лев Инс предлага покритие до 50 EUR/USD за разговори с асистанса при хоспитализация над 24 часа.

Какво се случва при откраднати или изгубени лични документи?

Застрахователите възстановяват разходите за преиздаване в чужбина (паспорт, лична карта, книжка). Лимитите обикновено варират от 100 EUR до 200 EUR (в зависимост от застрахователя).

Покрива ли се „Гражданска отговорност“ при пътуване?

Да – покриват се щети, причинени неволно от Вас на трети лица или на тяхно имущество. Лимитите могат да достигнат до 7 500 EUR (напр. при Алианц).

Пътувам с куче или котка – има ли покритие за любимеца ми?

Единствено застраховател „Инстинкт“ покрива ветеринарни разходи, репатриране или евтаназия на домашен любимец вследствие на инцидент.

В какъв срок ще получа парите си след одобрена щета?

Всички компании са длъжни да изплатят сумата в срок до 15 дни (обикновено работни) след представяне на всички изискани оригинални документи.

Travel Insurance Abroad: Buy Online | Boleron

AllianzBulstradColonnadeEuroinsInstinctLevinsUniqa

"MY TRAVEL CLASSIC" - ALLIANZ TRAVEL

Allianz Group is the largest insurance company in Europe, operating in over 70 countries and serving more than 125 million customers. Allianz Partners is a subsidiary of Allianz Group, specializing in travel insurance.

Insurance Coverage

Medical Expenses
- up to 30,000 EUR

Medical Expenses: COVID-19
- up to 15,000 EUR

Medical Transport
- up to 50,000 EUR

Search and Rescue
- up to 5,000 EUR

Dental Assistance
- up to 500 EUR

Repatriation in Case of Death
- up to 5,000 EUR

Dependents
- up to 1,000 EUR

Accidental Death
- up to 2,500 EUR

Permanent Disability Due to Accident
- up to 5,000 EUR

Hospital Visit
- up to 1,000 EUR

Baggage Delay
- up to 100 EUR

Theft or Loss of Luggage
- up to 500 EUR

Extension of Stay Abroad
- up to 250 EUR

Interruption/Extension of Stay Abroad
- up to 100 EUR

Return Due to Forced Interruption
- up to 100 EUR

Liability Insurance
- up to 7,500 EUR

The Insurance Does Not Cover

Events caused intentionally or by gross negligence of the insured;

Suicide or attempted suicide of the insured;

Events related to the health condition that occurred or were expected to occur at the time of signing the insurance or the beginning of the trip;

Events the insured suffers due to alcohol, drugs, medications, or delay in prescribed therapy;

Events that are in direct or indirect connection with riots, military actions, any form of terrorism, natural disasters, environmental influences, earthquakes;

USEFUL INFORMATION

The insurance can have different durations and cover multiple travelers, including sudden illness, emergency assistance, and other insured events. It can be purchased entirely online. The insurance premium is determined by the insurance company chosen for the trip abroad. In the event of an insured incident, the policy includes the phone number of the assistance company, ensuring peace of mind during travel.

Actions in Case of an Insurance Event

In case of an insurance event, call the assistance center for help and instructions at the following phone number:

Emergency phone for 24/7 assistance abroad:+359 2 950 38 50

Obligations in case of an insurance event:

Immediately or as soon as possible contact Allianz's emergency assistance phone center before taking any actions or incurring expenses, and provide your name, policy number, and validity;
Follow the insurer's instructions regarding the medical facility or doctor you need to consult;
Provide the insurer with documents proving the occurrence of the insurance event and the incurred expenses.

Additional information:

Assistance in Case of Insurance Event - Allianz

Documents

Buy online

The insurance covers

Medical expenses (including COVID19)
- Up to EUR 50 000

Emergency dental treatment
- Up to EUR 350

Repatriation and medical transport
- Up to EUR 50 000

Salvage expenses
- Up to EUR 1 000

Theft, loss or delay of personal baggagev
- Up to EUR 250

Costs for stolen or lost documents
- Up to EUR 200

Civil liability to third parties
- Up to EUR 1 000

Legal aid
- Up to EUR 1 500

The insurance does not cover

Diseases and treatment of any nature (including AIDS), except in cases of sudden illness;

Mental illness or insanity;

Pregnancy, childbirth or abortion of the insured;

Military action, civil unrest, nuclear reaction or radioactive radiation;

Dental treatment;

Events occurring as a result of balneotherapy, physiotherapy, heliotherapy or treatment of an aesthetic nature;

Costs of quarantine due to illness from Covid-19;

Costs of over-the-counter Covid-19 testing;

USEFUL INFORMATION

Documents

Buy online

“ASSISTANCE WHEN TRAVELING ABROAD” - COLONNADE

Colonnade Insurance S.A. is an innovative international company that offers solutions for individual and corporate clients in Central and Eastern Europe.

The insurance covers

Medical treatment - total sum insured
- up to 50 000 EUR

Hospital and outpatient treatment

Transportation to hospital and between hospitals

Treatment due to pregnancy complications

Emergency dental treatment
- up to 500 EUR

Decompression chamber

Continuation of treatment in the Republic of Bulgaria
- up to 500 EUR

Treatment due to COVID-19

Quarantine as a result of COVID-19
- up to 500 EUR

Sudden exacerbation of a stabilized chronic disease
- up to 5 000 EUR

Amateur sports

24-hour Colonnade Assistance center

Medical transportation
- up to 50 000 EUR

Repatriation of remains

Search and rescue costs
- up to 20 000 EUR

Permanent disability from Accident
- up to 5 000 EUR

Death from Accident
- up to 5 000 EUR

Baggage – total sum insured
- up to 300 EUR

Third party liability: Bodily injury
- up to 40 000 EUR

Third party liability: Property damage
- up to 5 000 EUR

The insurance does not cover

Health condition

Chronic disease exacerbated within 6 months before the trip

Condition treated within 12 months before the start date

Mental disorders, neurosis, depression

HIV and sexually transmitted diseases

Pregnancy after the 26th gestational week

Preventive check-ups and vaccinations

Planned treatment, sanatoriums, physiotherapy, cosmetic surgery, glasses and prostheses, IVF

Behaviour and circumstances

Alcohol above 0.5‰, narcotic or intoxicating substances

Deliberate exposure to danger, self-harm, attempted suicide

Committing a crime or attempting one

Driving a vehicle without a licence or off the road network (off-road)

Gross negligence or an intentionally caused event

Place and territory

Events in Bulgaria or the country of permanent residence

Countries outside the selected geographic zone

Iran, Syria, Sudan, North Korea, Crimea, Russia

Restricted-access zones or travel despite a Foreign Ministry advisory

Sports and activities

Professional sports and professional competitions

Winter and extreme sports without purchased additional coverage

Non-covered sports: mountaineering, paragliding, base jumping, parachuting, cave diving, MMA, motor sports, parkour, etc.

Physical labour without additional coverage

Force majeure

War, terrorism, strikes, civil unrest

Nuclear, chemical, biological substances, radiation

Epidemics and pandemics — except COVID-19

Documents

Buy online

The insurance covers

Medical expenses (incl. COVID-19)
- up to 50 000 euros

Emergency dental care
- 400 euros

Medical repatriation
- 20 000 euros

Repatriation of mortal remains
- 20 000 euros

Repatriation of persons under 18 years of age
- 20 000 euros

Visit during hospitalization
- 200 euros

Luggage theft
- 400 euros

Loss or delay of luggage
- Over 12hrs 50euros

Flight delays over 5hrs
- over 12hrs 50 euros

Missing a connecting flight
- 100 euros

Reduction or extension of stay abroad
- 200 euros

Identity Documents
- 100 euros

Legal costs
- 1 000 euros

THE INSURANCE DOES NOT COVER

Pre-existing diseases of any nature

Harm as a result of non-compliance with or refusal of prescribed regimen and/or treatment, as well as self-medication;

While the insured person is under the influence of or in the use of alcohol, drugs, narcotics or medicines, stimulants or those with a doping character;

Prophylactic examinations and tests, vaccinations, immunizations;

Chronic or past illnesses;

Multiple sclerosis, osteoporosis, malignancies, cirrhosis, epilepsy, benign tumors;

Hernias, radiculitis, sciatica, lumbago, intervertebral disc damage, discopathy, osteoarthritis;

Restorative procedures, massages, physiotherapy, rehabilitation;

Pregnancy, childbirth, abortion;

Corrective devices, implants, dental crowns, bridges, dentures, artificial limbs and the like;

Burns caused by sunlight, quartz lamps, solariums;

Events occurring during sport or employment, unless otherwise agreed;

When the insured person is under the influence of or in the use of alcohol, drugs, doping;

Expenses incurred in the territory of the Republic of Bulgaria or any other country of which the insured person is a citizen or in which they hold long-term or permanent residence status;

Fines, penalties, interest, sanctions;

Other exceptions, described in detail in the general conditions of the insurance.

USEFUL INFORMATION

Documents

“ASSISTANCE WHEN TRAVELING ABROAD” - INSTINCT

The insurance company "Instinct" AD is part of the Management Financial Group and enriches its portfolio of financial services, by offering security and peace of mind to its clients through deep knowledge of different customer segments and trust built on excellent customer service.

The insurance covers

Medical expenses (including COVID-19)
- up to 50,000 EUR

Medical transportation and repatriation
- up to 50,000 EUR

Salvage expenses
- up to 1,000 EUR

Emergency dental treatment
- up to 400 EUR

Theft of baggage
- up to 400 EUR

Lost luggage
- up to 150 EUR

Luggage delay over 12 hours
- up to 100 EUR

Flight delay or cancellation, missed connecting flight
- up to 100 EUR

Costs for stolen or lost documents
- up to 200 EUR

Civil liability to third parties
- up to 2,000 EUR

Legal aid
- up to 1,000 EUR

Pets
- up to 200 EUR

The insurance does not cover

Events that occurred with the insured on the territory of the Republic of Bulgaria, the country of permanent residence, or the country for which there is valid health insurance/coverage;

Trips for medical purposes of the Insured;

War or military actions, terrorist acts, civil war;

Atomic and nuclear explosions, impact of radioactive products and contamination from them, ionizing radiation; industrial and other accidents or chemical contamination, ecological and natural disasters; mining activities;

Exercise of any professional sport by the Insured, participation in competitions;

Participation in criminal activities;

Deliberate or suicidal actions by the Insured;

Intentional actions by the Insured or participation in a crime;

Other exceptions, detailed in the General Conditions of the ‘Assistance when traveling abroad’ insurance.

USEFUL INFORMATION

Actions in case of an insurance event

In case of an insurance event, contact for assistance and instructions with:

Assistance company “Global Services Bulgaria” AD, assisting in insurance events abroad: +359 2 8197 197 / [email protected]
Insurer “Instinct” AD: 0700 200 32

Obligations in case of an insurance event:

Contact the Assistance company immediately, and no later than 3 (three) days after the occurrence or knowledge of the insurance event, at the designated number of the 24-hour service center;
Follow the instructions given by the Assistance company before taking any actions and incurring any expenses;
Provide the insurer with documents proving the occurrence of the insurance event and the incurred expenses.

Additional information:

Assistance in case of an insurance event - Instinct

Documents

Buy online

The insurance coveres

Medical expenses (including COVID19)
- Up to EUR 50 000

Accident or acute repatriation
- Up to EUR 50 000

Emergency dental care
- Up to EUR 350

Salvage expenses
- Up to EUR 1 000

Death and permanent disability resulting from an accident
- Up to EUR 1 000

Per diem for hospital stay
- Up to EUR 300

Personal expenses
- Up to EUR 500

Theft, loss or delay of personal baggage
- Up to EUR 400

Costs for stolen or lost documents
- Up to EUR 100

Civil liability to third parties
- Up to EUR 1 000

Legal aid
- Up to EUR 1 000

Insurance does not cover

The Insurer does not cover the Insured Person's expenses and does not owe insurance compensation or an amount for the following cases:

expenses incurred without the approval of the Assistance Company or the Insurer;

when traveling for the purpose of treatment or consultation of the Insured;

use of opiates, stimulants and doping, drugs, alcohol and illness /or addiction/ to their use; alcohol poisoning; the presence of alcohol or other mind-altering agents is grounds for refusal to pay compensation and reimbursement of expenses

illnesses of any nature preceding the conclusion of the insurance contract, as well as recurring illnesses;

artificial insemination, infertility treatment, contraceptive costs;

vaccinations, issuance of medical certificates, medical examination - monitoring or diagnosis, which are part of a routine functional examination;

intentional actions of the Insured with the purpose of self-injury and causing loss of working capacity;

execution of a death sentence on the Insured;

driving of motor vehicles by the Insured with irregular documents;

medical expenses paid by the national health insurance fund

organ and tissue transplantation;

loss or delay of baggage which is detained, confiscated or reasonably destroyed by customs and police authorities;

other exclusions detailed in the General Terms and Conditions of Travel Assistance Abroad insurance.

USEFUL INFORMATION

Documents

Buy online

The insurance covers

Urgent medical expenses due to acute illness including COVID-19 illness
- up to 50,000 euros

Medical transportation and repatriation
- up to 50,000 euros

Emergency Dental Care
- 300 euros

Rescue costs
- Up to € 1,000

Legal Aid
- up to € 1,000

Third Party Liability
- up to € 1,000

Death by accident
- 1,000 euros

Theft, loss of luggage
- up to 400 euros

Baggage Delay
- up to 100 euros

The insurance does not cover

Pre-existing diseases of any nature

Costs for follow-up treatment after control of the acute condition in case of illness or accident

Practicing extreme amateur sports and competitions of all kinds, professional sports

Suicide attempt

An event that did not occur during a trip abroad or occurred outside the territorial validity of the policy

Treatment that is not urgent

Treatment of an existing chronic or recurrent medical condition or disease, with the exception of emergency treatment in the event of a life-threatening condition

Pregnancy or childbirth, except in case of unforeseen complications leading to a life-threatening condition

Pre-planned, known or expected medical / dental treatment during the trip

Medical expenses and medical transport and repatriation related to winter sports, unless the optional coverage Winter Sports is specified in the policy

Events arising directly or indirectly from the use of alcohol or drugs

Attempted suicide or intentional self-harm, as well as suicide

war, invasion, enemy and military action (whether war is declared or not), civil war, revolt, revolution, uprising, military power or usurpation

terrorist act, civil riots, blockades, strikes

Claims related to diseases declared epidemic or pandemic by the World Health Organization

Participation of the Insured in professional sports or when receiving financial remuneration or profit, competitions of all kinds (including training), as well as practicing extreme sports

Claims that cannot be substantiated with the required documentation

Costs resulting from quarantine from COVID-19 disease

Cost of testing for COVID-19 disease without a prescription

Travel Cancellation and Travel Interruption Costs as a Result of COVID-19 Disease

USEFUL INFORMATION

Documents

Travel Insurance

Coverage up to 50,000 euros for medical expenses. Insurers can pay hospitals directly, without you having to pay out of pocket. Buy online and receive your policy immediately by email.

Coverage up to 50,000 euros for medical expenses. Insurers can pay hospitals directly, without you having to pay out of pocket. Buy online and receive your policy immediately by email.

COMPARE PRICES

Travel insurance through AI

What real policies show

Travel abroad through AI

COMPARISON OF POLICY TERMS 2026

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