The decision on what type of travel insurance to buy for your trip to Bulgaria depends on your personal health situation, the value of the items you plan to bring along, as well as your personal tolerance for risk.
MEDICAL TRAVEL INSURANCE FOR BULGARIA
Having medical emergency travel insurance in Bulgaria is highly recommended. It is also one of the Bulgarian visa requirements.
Medical Emergency Insurance for EU Citizens
If you are visiting from an EU member country, you are entitled to free medical care in Bulgaria. You will need to carry a valid EHIC (European Health Insurance Card), without which you will be charged for any medical services.
Read more on how to get your EHIC card.
Note that the EHIC coverage is only valid at hospitals and doctors who have a contract with the Bulgarian Health Insurance Fund (BHIF). Most, but not all, do.
Purchasing medical insurance for Bulgaria to supplement your EHIC coverage is still a good idea. This will allow you more flexibility in the choice of doctors and hospitals and may pay for any additional expenses not covered by the EHIC, like medical repatriation and others.
Read more about medical care for travelers in Bulgaria.
Medical Travel Insurance for Non-EU Citizens
Visitors who are not citizens or permanent residents of an EU country are not eligible for free medical treatment in Bulgaria, except in life threatening situations.
We strongly recommend that you buy medical insurance or you will have to pay out of pocket for medical care.
Seeing a doctor in Sofia only costs about 50 lv / 25 euro but the cost of medical tests and hospital stays can easily reach several thousand euro.
Travelers with pre-existing medical conditions, make sure your insurance will cover any medical bills related to your pre-existing condition.
TRAVEL INSURANCE FOR SKIERS AND MOUNTAIN CLIMBERS IN BULGARIA
If you plan to head to the mountains, we strongly recommend that you purchase a separate ski or mountaineering, walking and trekking travel insurance. Make sure the coverage includes rescue and evacuation in case of an accident.
EHIC card does not cover evacuation of mountain climbers and skiers.
FLIGHT CANCELLATION AND LOST LUGGAGE INSURANCE
For additional trip insurance in Bulgaria look into a quote that will cover flight cancellations, lost baggage and emergency replacement of essential items, lost or stolen items and flight delays.
BUYING HOLIDAY INSURANCE FOR BULGARIA
Many credit cards offer complimentary insurance cover. Check what is covered with your credit card provider.
If you decide to buy the additional travel insurance then try worldnomads.com, a reputable online seller of insurance specifically designed for travelers. Coverage starts at €10 per day. Discounts for couples are available.