Travel Insurance for trips abroad
The European Health Insurance Card covers only emergency state care within the EU — not private clinics, repatriation, mountain rescue or trip cancellation. Those are precisely the costs that run into tens of thousands of euros. Travel insurance takes them on and is issued in minutes, including on the day you leave.
- Licensed broker, FSC №812-ЗБ
- Free consultation
- We reply within 30 minutes in working hours
What it covers
Medical expenses
Consultation, tests, hospital stay, surgery and medication abroad. The limit is the main thing to compare — a lower limit is usually enough for Europe, while the USA and Canada need one many times higher.
Repatriation
Medical transport back to Bulgaria in a serious condition. This is the cost that most often ruins families — an air ambulance runs to tens of thousands of euros.
Baggage and documents
Lost, stolen or delayed baggage, plus the cost of replacing a stolen passport. Small sums, but they cover the most frequent travel mishaps.
Trip cancellation
Refunds non-recoverable costs if you have to cancel for health or other covered reasons. A clause worth having on expensive bookings.
Winter and extreme sports
Skiing, snowboarding, diving and mountain trekking are usually excluded from a standard policy and added separately. If you plan to ski, be sure to tell us.
What it does not cover
- Chronic and pre-existing conditions, unless expressly included.
- Planned treatment that is the purpose of the trip.
- Incidents involving alcohol or drugs.
- Extreme sports without the corresponding add-on clause.
- Travel to a country under a government advisory against travel.
What we need to quote
- Full names as in the passport and personal ID number for each traveller.
- Travel dates and destination country or countries.
- Details of any planned sports or activities.
Why through Soners
- We issue the policy remotely in minutes — it reaches you by email and is valid immediately.
- We advise on a realistic limit for the destination, rather than letting you buy the cheapest cover.
- We arrange multi-trip (annual) policies for frequent travellers — considerably cheaper than separate ones.
- We help with the claim after you return, where the procedure is most confusing.
About the price
The premium depends on destination, number of days, travellers’ ages and the chosen limit. For a short break in Europe it is usually less per day than a restaurant meal.
Frequently asked questions
No. It gives you access to state healthcare on the same terms as local citizens — which in many countries means a substantial co-payment. Most importantly, it does not cover repatriation, the single most expensive item. The card and the insurance complement each other, they are not substitutes.
Yes, as long as you do it before leaving the country. We issue remotely and the policy takes effect from the hour you specify. It cannot, however, be backdated once you are already travelling.
Yes — an annual multi-trip policy with a per-trip day limit (typically 30 or 90). If you travel more than two or three times a year it is almost always better value.
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