Compare travel insurance for Bulgaria from £1.24[1]
Key takeaways:
The average cost of travel insurance for Bulgaria is £19.98[2]
Travel insurance can protect you if you need medical treatment, your holiday is cancelled, or your belongings are lost or stolen
You will need extra cover if you’re going on a winter sports trip
Do I need travel insurance for Bulgaria?
Holiday insurance is not a legal requirement. But without it you will be personally responsible for paying all the costs if something goes wrong with your trip.
Travel insurance can financially protect you if your holiday to Bulgaria is unexpectedly cancelled, you need medical treatment while travelling, or your valuables are lost, damaged or stolen.
According to the latest data from the Association of British Insurers:
British residents had to make 574,000[3] claims on their travel insurance in 2023
The average claim amount was £972[4] and the average medical claim £1,750[4]
In contrast, you can find travel insurance to Bulgaria from just £1.24[1]
What type of travel insurance do I need for Bulgaria?
Bulgaria is covered under European travel insurance policies. The specific type of policy you need depends on your travel plans:
If you are only visiting Bulgaria, choose single-trip travel insurance and select Bulgaria as your destination.
Combining a holiday in Bulgaria with visits to other countries, perhaps a backpacking trip around Eastern Europe?
Single-trip travel insurance can cover multiple countries as long as:
You don't head home in-between countries. For that you need multi-trip insurance
You are not away for a long time (policy dependent, but usually a month). For that you need backpackers’ insurance
You will need to choose European cover for Bulgaria but if you're travelling to countries outside of Europe, you'll need worldwide cover.
You might save money by selecting an annual multi-trip travel insurance policy. This will also cover you for staycations in the UK.
You can get travel insurance with a pre-existing medical condition, but it may be more expensive than a standard policy.
One trip to Bulgaria only
One trip to Bulgaria and other countries
Several holidays throughout the year
Travelling with a medical condition
How much is travel insurance for Bulgaria?
The table shows the average prices paid by our customers for holidays to Bulgaria this year. Average price means 51% of customers paid this amount or less. Cheapest price means 10% of customers paid this price or less.
Cheapest price | Average price |
|---|---|
£1.24[1] | £19.98[2] |
Can I get last minute travel insurance for Bulgaria?
Yes, it is possible to get last-minute travel insurance up to the day of your departure, although not all insurance providers will offer this.
Compare last-minute travel insurance quotes | Cover from just £3.76[5]
Is it cheaper to buy travel insurance closer to my departure date?
No, it is usually more expensive to buy travel insurance last-minute.
If possible you should buy your holiday insurance as soon as you book your trip. That way you'll be covered if you have to cancel your holiday to Bulgaria.
What should my travel insurance policy for Bulgaria include?
🚩 Different travel insurance policies have different inclusions and exclusions. You should always read your documents and check what you're covered for.
Standard travel insurance will usually cover:
Illness and accidents
Trip and activity cancellations
Lost luggage (including your passport)
Theft including pickpocketing
Repatriation (bringing you home if you are seriously injured, ill or dead)
Personal liability (you are responsible for accidentally harming someone or their property)
What isn't covered by travel insurance for Bulgaria?
Typical exclusions include:
Undeclared pre-existing medical conditions
'Unforeseeable' disasters including terrorism, war, strikes and natural disasters
Alcohol and drug-related incidents
Travel to areas advised against by the government (found on the FCDO website)
Adventure or winter sports
💡 Top tip: You can upgrade your insurance to include add-ons like winter sports, gadget cover and travel disruption cover.
Remember your excess!
Your excess is the amount of money you must pay towards any insurance claim you make. It is a fixed amount regardless of the claim size and it is set in advance when you take out your policy.
Increasing your excess can lower the cost of your policy, but make any claims less affordable.
Medical care in Bulgaria
British citizens can get some necessary state healthcare in Bulgaria for free or at a low cost with a Global Health Insurance Card (GHIC).
However, the UK government and the NHS advise that Britons with GHICs still take out comprehensive travel insurance when they visit Bulgaria, as the health insurance cards do not cover all medical situations and costs.
Will my EHIC/GHIC cover me in Bulgaria?
Yes, you can still use Global Health Insurance Cards (GHIC) or unexpired European Health Insurance Cards (EHIC) to get some free healthcare in Bulgaria.
GHICs are replacing EHICs, which will be phased out as they expire. UK residents can get a GHIC for free from the NHS website. The cards are valid for up to 5 years.
Can I get travel insurance for Bulgaria if I have a pre-existing medical condition?
Yes, you can get travel insurance cover with a pre-existing medical condition, but it may be more expensive than a standard policy.
A pre-existing condition is any medical issue for which you had symptoms, medication, medical advice, treatment, or tests before you took out your insurance policy. It includes mental health conditions and disabilities.
You must disclose all pre-existing medical conditions. If you don't, your insurer can refuse to pay out for a claim.
Compare medical conditions travel insurance quotes | Cover from just £4.92[6]
Do I need a visa to visit Bulgaria?
🚩 Visa requirements for a country can change. For the most up-to-date information, check the UK government’s foreign travel advice website.
You will not need a visa for visiting Bulgaria if you have a full UK passport. You are allowed into Bulgaria, or any country within the Schengen area, for up to 90 days in any 180-day period.
During this time you can visit as a tourist, see family and friends, attend business meetings, cultural or sports events, or for short-term studies or training.
Do I need vaccinations to visit Bulgaria?
🚩 Vaccination recommendations may be different for individuals with specific health conditions. We recommend speaking to your doctor before travelling.
The NHS Fit for Travel website recommends that your regular vaccinations are up to date before you travel to Bulgaria, including your flu and Covid-19 vaccines if you are eligible for these.
It’s also advised to have the Tetanus vaccination. Some tourists also have the following vaccinations before arriving in Bulgaria: Diphtheria, Hepatitis A, and Hepatitis B.
What travel insurance do I need for skiing in Bulgaria?
Your standard travel insurance policy will not usually cover you winter sports such as skiing. You will need to buy an add-on to make sure you’re covered for skiing, or any other winter sports activity such as snow boarding.
This add-on will also cover you for things like your equipment and any days when you’re not able to get out on the slopes.
The average price our customers currently pay for insurance with winter cover is £40.58[7]. Data based on the average price of travel insurance sold through MoneySuperMarket with winter sports cover in 2025.
What travel insurance do I need for hiking in Bulgaria?
You may need to buy adventure sports cover for hiking in Bulgaria. Standard travel insurance policies often will not cover more extreme activities like rock climbing, mountaineering or hiking above a certain height or in riskier locations.
You can add adventure sports cover to your existing travel insurance for a fee.
How do I claim on my travel insurance?
Report the incident you want to claim for to your insurer as soon as possible
If something is stolen, report it to the local police within 24 hours and get a report
Keep records of what has happened, including photos or videos and the contact details of anyone involved
Read our guide to making a claim on your travel insurance.
Find cheap Bulgaria travel insurance with MoneySuperMarket
Compare quotes from different insurers to find the best price for the level of cover you want. Don't want this task on your to-do list? We can do the work for you, saving you time and money.
Plus, we offer our travel insurance customers rewards! Get a voucher worth up to £5[8], a Free Days Out pass worth £180, and much more.
Just sign up to our free SuperSaveClub[9] before you buy your travel policy.
Compare travel insurance quotes | Bulgaria cover from just £1.24[1]
