What to Do in Case of Damage During a Vacation in Bulgaria and Abroad: A Complete Guide

Types of Claims in Tourism

When planning a vacation, whether in Bulgaria or abroad, it is advisable to ensure your peace of mind with suitable travel insurance.

Euroins offers its clients several insurance products for tourism:

1. Travel Assistance Abroad – Traveller – insurance that provides protection while you travel around the world.
2. Tourism in Bulgaria - a product designed for those who enjoy traveling within our country.
3. Trip Cancellation - protection in case of unfavorable events that prevent you from carrying out your trip and when the expenses you have made are not refundable by the travel company.

Despite good preparation, incidents during travel occur quite often. Here are the most common types of claims.

• Medical Issues Abroad

Medical incidents during travel are among the most common, whether related to an accident or illness. When this happens abroad, the situation is often accompanied by additional stress—language barriers, unfamiliarity with the local healthcare system, and difficulty finding a nearby medical facility. With the Travel Assistance insurance from Euroins, you will not need to worry about these challenges, as you have access to an assistance service from anywhere in the world. The assistance company is available 24/7, entirely in Bulgarian, and you can contact it by phone or through a chatbot. You will receive guidance on where and how to reach the nearest medical facility suitable for your needs, saving you time and unnecessary stress.

When visiting a medical facility, it is extremely important to request all medical documents—discharge summaries, outpatient records, prescriptions, as well as original payment documents. These will be necessary to submit to the insurer in order to receive reimbursement for the expenses incurred.

•   Medical Issues in Bulgaria

According to statistics, the most common claims in Bulgaria occur during sports activities. Our country is rich in beautiful mountain regions that attract many enthusiasts of skiing, snowboarding, and mountain hiking. In the event of more serious incidents in the mountains, it is often necessary to use the services of the Mountain Rescue Service (Bulgaria). The costs of a rescue operation, including search and rescue, can be quite high. With insurance from Euroins, these expenses are covered, and the insurer settles the payment directly with the Mountain Rescue Service.

• Material Damage

The loss or delay of luggage can spoil even the best-planned vacation. Even more unpleasant is becoming a victim of theft, which can lead to serious discomfort as well as significant expenses. With the extended coverage of Travel Assistance Abroad insurance, these risks are covered. The insurer will reimburse the costs incurred for purchasing essential items, as well as the expenses for issuing a replacement personal document or a new airline ticket.

Steps to Take in the Event of a Claim During Tourism

• Depending on the specific case and event, the insurer may request additional documents.
  

A Few Tips on How to Avoid Incidents During Your Vacation

1. Plan your vacation carefully:

•  Check the weather conditions at the destination you are traveling to.
•  Choose your travel company carefully.
•  Check the hotels and places where you will be staying.

2. Take care of your health:

• Avoid exposing yourself to risk factors before and during your vacation.
• If you practice sports, be careful and make sure you have proper equipment.
• Always carry essential medications with you.

3. Don’t forget about insurance:

• Depending on the type of vacation you are planning, choose the right insurance.
• Select the coverage risks that you and your loved ones need.
• Familiarize yourself in advance with the insurance terms and the steps to take in case of a claim.

4. Enjoy the experience.