Schengen Travel Insurance for Bulgaria
Apply for your Bulgaria Schengen visa with confidence. Our plans meet the mandatory €30,000 medical requirement and are accepted by the Bulgaria consulate. Instant certificate delivered by email.
Bulgaria Embassy Tip
Bulgaria joined the Schengen Area fully (including land borders) in January 2025 — one of the newest members. Bulgarian consulates follow standard Schengen requirements and accept internationally recognized insurance carriers. If you previously visited Bulgaria without Schengen insurance, that changed in 2025.
What Does Bulgaria Require for a Schengen Visa?
To obtain a Schengen visa for Bulgaria (or any Schengen country), EU law mandates travel insurance that covers:
Minimum Medical Coverage
€30,000
Emergency Evacuation
Required — included in all our plans
Repatriation of Remains
Required — included in all our plans
Geographic Validity
All 29 Schengen countries
Coverage Period
Entire duration of stay
Issuer Type
Recognized international insurer
One important note: As a recent Schengen addition (2025), Bulgarian consulates are implementing full Schengen insurance enforcement. Ensure your policy explicitly covers all 29 Schengen member states.
Healthcare Costs in Bulgaria
Bulgaria has the most affordable private healthcare in the EU, but quality varies significantly outside Sofia. Emergency care in Sofia runs €300–€2,500; evacuation from rural areas or the Black Sea coast to a major hospital adds cost.
What happens without insurance?
As a Schengen visa holder in Bulgaria, you are not entitled to public healthcare. Every medical interaction — from a GP visit to emergency surgery — is billed to you directly at private rates. One serious incident can result in bills that dwarf the cost of your entire trip. Travel insurance transfers that risk for as little as $8/week.
Why People Visit Bulgaria
Sofia, Plovdiv, the Black Sea coast (Sunny Beach, Varna), Rila Monastery, ski resorts (Bansko), and wine regions. Whatever brings you to Bulgaria, the right insurance keeps your trip protected from unexpected medical costs so you can enjoy every moment.
Best Schengen Plans for Bulgaria
WorldTrips Atlas International
from $8/wk
- €30,000+ medical coverage
- All 29 Schengen countries
- Emergency evacuation included
- Instant certificate
- Ages 14 days – 79
- Renew if trip extends
IMG Patriot International
from $10/wk
- Up to $1M medical coverage
- All 29 Schengen countries
- IPA hospital network
- 24/7 global assistance
- Ages up to 99
- Embassy letter available
Trawick Safe Travels International
from $15/wk
- Up to $1M medical coverage
- All 29 Schengen countries
- Trip cancellation add-on
- Pre-existing conditions (select plans)
- All ages covered
- Instant certificate
How to Get Your Bulgaria Schengen Insurance in 3 Steps
- 1
Get your quote online
Click "Get My Bulgaria Quote" above. Enter your travel dates, age, and home country. Takes 2 minutes.
- 2
Choose your plan
Compare WorldTrips, IMG, and Trawick side by side. All plans meet the Schengen €30,000 requirement. Select the coverage level that fits your needs.
- 3
Receive your certificate instantly
Pay online and receive your insurance certificate by email within minutes. Print it or show it digitally at the embassy.
Frequently Asked Questions
What insurance do I need for a Bulgaria Schengen visa?
All Schengen visa applicants for Bulgaria must purchase travel insurance with a minimum of €30,000 in medical coverage, valid for the entire duration of stay, covering all 29 Schengen countries. The policy must include emergency medical evacuation and repatriation of remains. It must be issued by an internationally recognized insurer.
How much does Schengen insurance cost for Bulgaria?
Schengen travel insurance for Bulgaria typically starts from $8–$10 per week for young travelers. The exact price depends on your age, trip duration, home country, and coverage level. Plans are available from WorldTrips, IMG, and Trawick International with coverage from €30,000 up to $1 million.
Can I buy Schengen insurance after I apply for my Bulgaria visa?
You must purchase Schengen insurance before or at the time of your visa application — the embassy requires proof of insurance as part of the application documents. You cannot submit insurance after the application has been filed. However, some travelers purchase insurance before they have a confirmed travel date and list approximate dates, then adjust with the carrier if dates change.
Is my insurance certificate from Tower Hill accepted by the Bulgaria embassy?
Yes. Tower Hill partners with WorldTrips, IMG Global, and Trawick International — all internationally recognized carriers whose Schengen policies are accepted by embassies worldwide, including the Bulgaria consulate. Your certificate is delivered instantly by email in PDF format.
What if my Bulgaria Schengen visa is denied? Can I get a refund on my insurance?
Yes, in most cases. If your visa is denied before your travel begins, you may request a refund by providing a copy of your visa denial letter. Contact Tower Hill at support@towerhillcorp.com or (832) 856-1704 and we will coordinate the refund request with the carrier on your behalf.