Travel Insurance – What You Need to Know to Stay Protected

Travel insurance is your financial and legal protection while on the road. It covers medical expenses, lost luggage, flight delays, and other unforeseen circumstances. Your choice should be based on your needs and destination.

What is Travel Insurance?

Travel Assistance Abroad – Traveler insurance is often referred to as medical insurance, although its coverage extends far beyond medical expenses.

Today, this type of insurance has become an essential part of every traveler’s baggage. With a minimal premium, it provides peace of mind and financial stability during your stay abroad, no matter where in the world you are.

This insurance gained significant popularity during the COVID-19 pandemic. Travel restrictions and the risk of quarantine led many to seek a reliable insurance partner.

The process of purchasing a policy is extremely quick and easy, while the worries and costs it can save you are immeasurable.

With travel insurance, you have 24/7 assistance in case of an accident, illness, or other unforeseen incidents during your vacation or business trip.

Why is Travel Insurance Important?

As a citizen of the European Union, every health-insured Bulgarian has the right to a European Health Insurance Card. This card provides access to basic medical services in public healthcare facilities in EU countries, as well as in Iceland, Liechtenstein, Norway, and Switzerland. However, its coverage is limited and does not include all possible medical treatment needs.

The Travel Assistance Abroad - Traveler insurance is a great alternative that offers broader coverage during vacations or business trips.

This insurance is valid worldwide, covers expenses from both public and private medical institutions, and includes a wide range of medical benefits. Additionally, it can offer extended coverage for lost baggage, flight delays, trip cancellations, or unexpected extensions of your stay abroad.

Main Types of Coverage
Travel insurance policies are affordable and easy to purchase, making them accessible to all travelers going abroad—whether for tourism, work, or sports. With Euroins travel insurance, you can get a policy entirely online in just a few clicks from your computer or phone.

The basic coverage includes reimbursement of medical expenses, including emergency dental care, medical repatriation, repatriation of minors under 18, repatriation of remains, and third-party liability.

The insurance offers a wide range of covered risks. Losing luggage is a common issue when traveling by plane, especially on international flights, and with this insurance, you will receive compensation in case of lost or delayed baggage, as well as for flight delays. You can enhance your coverage with additional risks such as rescue costs, worsening of chronic illnesses, pregnancy complications, and compensation for permanent disability due to an accident.

Purchasing this insurance ensures peace of mind and significantly reduces the financial impact of unforeseen events, thanks to the assistance and support provided by the insurer.

Euroins clients receive 24/7 access to an Assistance Company with support in Bulgarian—via phone or an online chatbot. The assistance team will guide you to the nearest medical facility, no matter where you are in the world.

How to Choose the Right Travel Insurance?

Many tour operators include travel insurance in their packages. However, it’s essential to check what is covered, as most of these policies offer only basic protection.

Depending on your health condition and personal needs, you can select the most suitable coverage and enhance the basic risks with additional protections for a safer journey.

When purchasing a Travel Assistance Abroad - Traveler policy, your destination and travel duration play a crucial role. If you are traveling to an EU country, you are entitled to a free European Health Insurance Card, which may reduce the cost of your travel insurance.

The insurance premium also varies depending on the purpose of travel. If you engage in professional sports or winter tourism, the premium surcharge can reach 150%, while extreme sports can increase it by up to 400%.

When Should You Buy Travel Insurance?
Travel insurance is valid for your entire stay abroad. It must be purchased before your trip and takes effect on the specified date and time in the policy, provided the premium is paid. The coverage ends when the policy term expires, the liability limit is reached, or upon your return home.

The investment in travel insurance is minimal—often costing as little as a cup of coffee per day—while a basic doctor’s visit abroad can be very expensive. That’s why travel insurance should be a key part of your plans for a worry-free trip.