Insurance Travel abroad

Health insurance when traveling abroad –provides safety and peace of mind

Mmedical insurance travel abroad with provided assistance is essential for the safety and peace of mind of the traveler.It gives financial and medical protection which can be vital in case of emergency events or health problems.Only after the responsibility of securing adequate insurance is taken can the traveler fully enjoy his trip.Because he will know that he is protected and prepared for any unforeseen event or results of someone's action or inaction. 

Prices of medical insurance for travel abroad:from 0.90 euros per dayfor excursions, vacations and business trips.And up to about 1.40 euros per day when practicing sports or physical work for persons up to 65 years of age.

What does overseas travel medical insurance cover?

• Urgent and urgent medical expensesas a result of an acute (acute) illness or accident, including as a result of an illness from COVID-19

• Expenses formedical transportationand repatriation as a result of accident, acute illness or death, including as a result of COVID-19 illness
• Death of the insured caused byan accident
• Emergency dental carewith a limit

Read more: Insurance Travel abroad

Additional (non-medical) covers abroad

• Trip cancellation (possible with some insurance companies)
• Salvage expenses
• Burglary, loss or delay of personal baggage
• Civil liability to third parties
• Legal aid

What overseas medical insurance does NOT cover

• Insurance compensation, for all cases for which the purpose of the trip is not correctly indicated
• Pre-existing diseases of any nature
• Any costs of subsequent treatment after the acute condition of illness or accident is under control
• Practicing extreme amateur sports and competitions of all kinds, as well as professional sports
• Suicide attempt
• Events during hostilities, civil war, military coup, act of terrorism, or riots, riots, strikes
• Atomic and nuclear explosions, radioactivity, ionizing radiation
• Diseases declared as a pandemic by the World Health Organization, an emerging disease and/or an epidemic of a devastating nature.
• Costs as a result of quarantine from COVID-19 illness
• Cost of over-the-counter COVID-19 testing
• Expenses for "Travel Cancellation" as a result of a COVID-19 illness

Limitations of coverage under the Assisted Travel Assistance policy

• The liability limit for accidental death is up to EUR 1,000 per insured person
• The risk "death caused by an accident" is not covered for persons under 14 years of age, over 65 years of age, for incapacitated persons, as well as for persons with a loss of working capacity of more than 50%
• The liability limit for dental emergency is up to EUR 300 per insured person
• The sub-limit of liability for personal baggage delay is up to EUR 100 per insured person
• Cost of accommodation in a standard room in a hospital facility for up to 21 days as a result of a COVID-19 illness
• This health insurance is NOT valid for the territory of Bulgaria.In this case, another is suitablehealth insurance product.

If you need coverage for mountain sports, check out oursMountain insurance.

Here we will discuss the importance of medicalforeign travel insurancea.Covers, limits, additional clauses and discounts for family policies and what to think about before you go.

You can read the general terms and conditions of the policyhere!

You can view an information document on the medical insurance for travel outside Bulgariahere!

See more: Insurance Travel abroad

The choice of health insurance when traveling outside the country's borders

is essential for the safety and peace of mind of the traveler.Whether the trip is for pleasure, work or study, medical insurance provides financial protection and assistance in case of emergencies.Therefore, it is important to do detailed research, look at the various coverages, limitations and additional clauses to choose the insurance that best suits your needs and preferences.Thus, the insured will have a clear understanding of exactly what his policy includes and what his obligations and rights are.Before starting the trip, it is necessary to carefully read the insurance documentation and especially the terms of use.It is important to know that in some cases prior authorization may be required from the insurer before seeking medical attention.This may be necessary when visiting a doctor, being hospitalized or having surgery.Being informed in advance about the authorization procedure and following it when necessary will avoid subsequent problems with compensation and reimbursement.

Before departure

the insured should check the policy when traveling abroad for the availability of contact information for the insurer or the local help desk.It is advisable to write down the emergency telephone number and email address of the insurer so that they can be easily contacted and get the necessary help and guidance if necessary.Before the start of the trip, the data for the insurance policy, including the policy number, are saved in a convenient place.It is a good idea to share policy details in advance with people you are traveling with, as well as friends or family at home in case they need to contact an insurance company on behalf of the insured.

Insurance when traveling abroad  provides financial and medical support in case of emergencies, but is not a substitute for responsible behavior and taking precautions.It is always good to follow local rules and safety measures, avoid dangerous places and situations, and consult with the relevant medical, administrative and legal institutions in the country concerned.

Last but not least, before leaving for the country you are planning to visit, it is a good idea to check whether you will need special or additional medical travel insurance in addition to the standardized one for outside the country.Pre-requiring additional medical insurance can be critical, especially if traveling to countries with complex healthcare systems or high medical costs.Being prepared and making sure you have all the necessary travel documents and insurance will make the journey easier.Some countries, including Aruba, Costa Rica, French Polynesia, St. Maarten, Turks and Caicos and the United Arab Emirates, may require proof of travel medical insurance before crossing the state border.

Travel assistance insurance covers

International travel insurance provides medical assistance and financial protection in the event of medical emergencies while traveling.Coverage varies by insurer and typically includes all or some of the following:

• Out-of-hospital medical care and treatment: costs of visiting a doctor, hospital, medicines and medical procedures.
• Hospitalization and hospital expenses: If surgery or hospitalization is required, the insurance covers the cost of them, the stay in the ward and food.
• Urgent emergency gynecological care, as well as payment of premature births.
• Evacuation, Repatriation and Transportation: In the event of serious illness or injury or death requiring emergency transportation or relocation.
• Dental care: Some insurance policies also cover the cost of emergency dental services.
• Coverage for necessary medications: If medications are prescribed, insurance may cover the money for them.
• Going home after medical treatment if the insured cannot use his original ticket
• Reasonable expenses for a family member or friend to stay with the insured or travel to accompany the insured home if necessary.
• 24-hour helplines offering support and advice on appropriate treatment every day of the week, 365 days a year
• Cover for COVID 19 if the insured or their family members are unable to return home because they tested positive for COVID during the trip.It is recommended that the insurance covers additional costs such as alternative flights, accommodation and tests for COVID or if the insured cannot reach their final destination during transit due to COVID-19.

Types of trips

Health insurance when traveling abroadcan be used for different types of travel, such as:

• Tourist trips: on holiday or tourist trip abroad, the insurance provides medical assistance in case of illness or injury. 
• Business travel: when traveling abroad on business, the insurance covers medical expenses, as well as problems related to luggage and flight delays that may occur during the trip.During a business trip, time and productivity are of the essence, and in case of emergencies or unforeseen circumstances, insurance can help overcome them more easily and quickly.
• Study trips: for pupils and students traveling abroad for study purposes.It offers protection and assistance in case of medical emergencies or other urgent situations.Without this insurance, students and students may face serious financial and medical issues that may impact their study program and experience in another country.
• Adventure travel: when traveling that involves active and adventurous activities such as winter sports – skiing, snowboarding, mountain biking or water sports.
• Transit Travel: Transit travel insurance is important when passing through different countries without spending a significant amount of time in each.Transit journeys may include stops and transfers at airports or other vehicles.In such cases, the insurance provides you with coverage for medical services and assistance in case of illness or injury during transit. 
• Cruises: these require an additional level of cover as it is more difficult to get to a hospital for treatment from the ship.Medical care is usually provided on the liner, but if injuries or illness require transfer to a shore-based medical facility, it is important to have a medical insurance policy to cover this.In these cases, the medical insurance for travel outside Bulgaria costs BGN 2.10 per day per person.

Travel Assistance Policy Limitations

Every foreign travel medical insurance policy has certain limitations and exclusions.These restrictions may include:

• Pre-existing diseases: Some insurance policies may not cover the cost of treatment for diseases that the insured has before taking out the insurance.
• Dangerous activities: when traveling to practice dangerous sports or activities, such as paragliding, rock climbing or bungee jumping.

• Military conflicts and acts of terrorism: Some insurance policies may have exclusions for coverage in areas affected by military conflicts or acts of terrorism.
• Sports Injuries: In certain sporting activities, such as extreme sports, insurance may have limitations or additional requirements for coverage of injuries related to them.

Additional clauses apart from medical insurance events

In addition to coverage for medical expenses, some insurance policies may offer additional clauses.They can be very useful during the trip.These clauses may include:

• Baggage loss: If luggage is delayed, lost or stolen during travel, insurance can cover the cost of replacing personal items.In the case of baggage delay, the insurer provides payment of a fixed amount for the time of delay, and the insured must keep all receipts for the amounts spent on the main items to be compensated.
• Trip Cancellation or Interruption: In the event of an unexpected trip cancellation or interruption due to unforeseen circumstances such as illness, disease or the death of a loved one, the insurance may provide compensation for the costs associated with cancellation of reservations and missed flights.One should not forget about the insurance coverage period and that it is long enough to cover the entire trip. 
• Liability: Some foreign travel insurance policies may also include liability coverage, which provides protection in the event of damage caused to third parties during the trip, as well as insuring the driver against an accident caused by the driver.
• Protection of one's home during the absence - property insurance against theft and burglary, flood, fire and other risks when the traveler is out of the country. 
• Assistance in foreign languages ​​– unless the insured has a good command of the official language of the country, communicating with the medical staff about the health condition can be a challenge.The insurer can help facilitate emergency services so that these conversations can take place effectively.

Within Europe, some insurance companies may refuse to pay for medical treatment if the insured does not have a European Health Insurance Card (EHIC) or other.It is a good idea to check the conditions before taking out the policy.So that the insured can access the necessary public medical care within the EU and Switzerland under the same conditions as residents of these countries.The EHIC and other cards are not an alternative to travel insurance as they do not cover any private medical expenses, repatriation or additional costs such as mountain rescue in ski resorts. 

Value of travel assistance insurance

The price of travel insurance abroad is formed depending on the following criteria:

1. country or countries to which travel is planned;
2. type of trip (single or multiple);
3. list of risks;
4. maximum coverage limit;
5. number and age of tourists.

Discounts for family policies

When traveling with the family, some insurance companies offer discounts on family policies.This allows one insurance to be purchased that covers the medical needs of all family members while traveling abroad.It's a cost-effective option that provides full protection for everyone.Discounts for family policies vary depending on the insurer and the coverage that is chosen.It is recommended to check whether there are no additional bonuses when using the policy, which are received under certain conditions.Insurance companies often offer special discounts and policies for families traveling together.This can include policies with reduced premiums, special conditions for children and cover for the whole family under one policy.Discounts on family policies are also one of the benefits that can be enjoyed when choosingmedical insurancewhen traveling abroad.

Health insurance when traveling abroad: Basics

International travel health insurance is a key element for anyone planning to visit another country, whether for leisure, business or study.This type of insurance provides financial protection and peace of mind in the event of unexpected health problems or accidents that may occur overseas.

The primary purpose of overseas travel health insurance is to cover the cost of emergency medical care, including hospitalization, doctor's appointments, medications, and in some cases, medical transportation.The insurance may also cover repatriation costs in the event of serious illness or death.

The benefits of such insurance can be extended to cover extraordinary expenses, such as:

• Cancellation or termination of travel: If health problems prevent travel, insurance can reimburse part of the costs associated with tickets and reservations.
• Loss of baggage: Some policies offer coverage for lost or stolen baggage that contains important medical supplies or documents.
• Personal responsibility: The insurance can cover the costs related to damages caused to third parties during the stay abroad.

Choosing the right travel health insurance is important and should be tailored to your personal needs and travel destination.Some key factors to consider include:

• Destination: Different countries have different healthcare systems and costs, which can affect the amount of cover you need.
• Duration of the trip: Longer trips may require higher coverage limits.
• Specific activities: If you plan to engage in risky sports or activities, it is important to ensure that they are covered by the policy.

Before buying travel health insurance, it is important to read and understand the terms of the policy.It is recommended that the coverage meets the traveler's needs and that he/she is familiar with the claims procedure.Some insurers may require prior approval for certain medical procedures or have a list of approved service providers.

Finally, a top tip:

prior consultation with an insurance professional is recommended.It will help you choose the most suitable policy for your travel abroad policy needs, so as to prevent unexpected expenses on the spot or during the trip.A consultation with an insurance agent will provide additional information and answers to all questions.Thus, choosing an insurance company that offers insurance that includes the types of coverage and coverage limits that the traveler needs so that he can focus on enjoyable experiences.

Overseas travel insurance covers	The policy covers medical expenses incurred by the insured or the medical facility in the event of an illness or accident occurring on the territory of another country, such as: Costs of medical treatment; Medical transportation costs; Dental costs with limited COVID coverage and a 24-hour helpline Protection of passenger luggage Search and rescue
Medical insurance for abroad has adequate limits	The health services that can be used have a total limit between 2,000 and 50,000 euros.This limit is important to take into account the country of travel, whether a visa is required, whether there are sports activities or work
Territorial validity	The medical insurance is valid throughout Europe or for the whole world incl.USA, Canada.Countries in hostilities are usually excluded from coverage.
Term of the medical insurance for abroad	The terms are very flexible, depending on the residence abroad.By default, they are between 3 and 365 days
Main advantages of this insurance	Insurance protection and assistance from an assistance company; Cashless payment in certain cases 24/7 call center in Bulgarian; International recognition of the policy; Insurance applies to work permits and visas