Travel insurance when travelling to Bulgaria

Is Bulgaria a Schengen country?

In part, yes. And — much like a nod means “no” and a shake of the head means “yes” in Bulgaria — this is where it gets a bit tricky.

That is, as of March 31, 2024, Bulgaria (and neighboring Romania) officially became integrated into the Schengen Area. Officially, but also partially. And AXA can gladly tell you all you need to know about Bulgaria’s and Romania's partial Accession to Air Schengen.

But in a nutshell, this means that internal air and sea borders between Bulgaria and other Schengen countries are open, while land borders are not. Moreover — much like other European non-Schengen countries, Bulgaria does not itself yet issue Schengen visas.

Do I need a Schengen visa to enter Bulgaria?

So the answer to that depends as much on your nationality as it does on your mode of transportation. That is, whether you plan to enter Bulgaria by land or air/sea. But don’t worry, here's a quick breakdown:

Who does not need a Schengen visa for Bulgaria (for stays of less than 90 days)?

You don't need a Schengen visa if you're entering Bulgaria by air or sea and:

• You’re already a national of the Schengen area and/or one (or more) of theEuropean Union member countries that don’t need a Schengen visa (see above);
• Your nationality* qualifies you for visa-free travel in the Schengen Area.

*This includes citizens of countries that don't need Schengen visa — such as passport holders from Australia, Brazil, Canada, Hong Kong, Japan, Mexico, the U.K.,* the U.S., and roughly 50 more nations.

Who needs a Schengen visa to enter Bulgaria?

Meanwhile, you will need a Schengen visa for Bulgaria if your nationality requires one for the Schengen Area in general — and if you're entering Bulgaria by land. And that’s because, again, Bulgaria’s land borders are not yet integrated into the Schengen.

In other words, a Schengen visa for Bulgaria is mandatory for land-traveling nationals of any African nation, most Middle Eastern nations, China, India, Russia, and nearly a hundred more countries. The reason for that, in turn, being that these countries have not signed visa waiver agreements with the Schengen zone and the EU.

But fear not! AXA can help you figure out whether you need a Schengen visa or not in no time too.

Not only that, but we can also tell you:

• How to apply for a Schengen visa;
• Which Schengen visa type suits your travel needs best;
• How much the Schengen visa costs;
• And what documents you need for your Schengen visa (down to the fine details like the Schengen visa photo requirements).

In short, if you need a Schengen visa for Bulgaria — AXA got all your bases covered. Just click around!

IMPORTANT REMINDER: But remember that Bulgaria does not yet issue Schengen visas itself. Which means that — if you do need a visa to visit it — you'll need to apply through another Schengen member country's embassy or consulate.

IMPORTANT PRO-TIP: And since there have been a lot of changes in the air (and elsewhere) for Bulgaria recently, AXA also strongly recommends that you double- and triple-check with the official visa information for Bulgaria provided by your home country's government — as well as the official website of the Bulgarian Ministry of Foreign Affairs.

Is travel insurance mandatory for Bulgaria?

And the answer to that, in turn, depends on your Schengen visa situation — as discussed above.

That is, if you need a Schengen visa — then travel insurance is indeed mandatory. Moreover, your plan should meet certain criteria to be granted a Schengen visa. But more on that below.

However, if you don’t need a Schengen visa — and if you’re entering Bulgaria by air or sea — then travel insurance is not mandatory.

I don’t need a Schengen Visa. Do I still need travel insurance?

Technically, no — travel insurance isn't mandatory in Bulgaria if you don't require a Schengen visa. Still, unexpected situations can arise anywhere, and prioritizing your well-being is key.

Bulgaria boasts stunning mountains, beautiful beaches, rich history, amazing food, and much much more to discover — for every type of traveler. And while generally safe, unexpected situations can always arise.

So whether you’re exploring ancient ruins like the Rose Valley or the Thracian tombs or simply indulging in some delicious Bulgarian cuisine and Rakia (i.e., a strong local spirit) — there's, unfortunately, always a chance of needing medical attention and/or support.

Moreover, medical costs abroad can be high. Plus navigating the Bulgarian healthcare system might prove challenging — given the language barrier (and a nod meaning “no” and all that).

Having the proper travel insurance, meanwhile, ensures you're looked after 24/7 — from sightseeing in Sofia to relaxing on the sunny Black Sea coast to everything in between.

What does AXA Schengen travel insurance for Bulgaria cover?

So if you’re planning to be one of the millions of people to hit Bulgaria any time soon — whether it be by land, sea, or air — here are just a few reasons why an AXA travel insurance plan is the way to go.

First off, if you need a Schengen Visa — all of our plans meet the requirements for being granted one. Said requirements are that your plan:

• has a minimum coverage of €30,000 (in case of medical care, hospitalization, and/or medical repatriation);
• is accepted by all countries within the Schengen zone;
• is valid for the entire duration of your trip/stay.

On top of meeting all the Schengen Visa requirements above, AXA’s three comprehensive plans — Low-Cost (starting at as little as €22/week), Europe Travel, and Multi-Trip — also offer:

• Up to €100,000 coverage in medical expenses;
• Medical repatriation & transport;
• Remote medical consultation — 24 hours a day, wherever you are (known as “Doctor, Please!”);
• Up to 180 days of coverage;
• Coverage in all Schengen and European Union countries, including the U.K. (depending on the chosen plan, that is).

Also, we have no age restrictions. Our plans go into effect on the day of your purchase. AXA’s travel insurance certificate can be instantly downloaded (and/or printed) online. And said certificate is accepted by all Schengen consulates, embassies, and VFS Global centers worldwide.

Oh, and,finally, in case your Schengen visa is denied, AXA’s plans are refundable in most cases. We’ll only ask that you provide the appropriate documentation (i.e., an official explanation as to why your visa was refused by the relevant embassy, consulate, or visa application center).

So learn more about and compare our 3 plans before booking that ticket and/or Schengen visa appointment. Because with AXA, you and your family are guaranteed to be in good hands — no matter how you choose to enter (and experience) the wonder that is Bulgaria.

Do you cover emergency medical costs related to COVID-19?

Yes. That is, so long as you haven't traveled against World Health Organization advice, personal medical advice from your doctor, and/or the advice/regulations of any other government body in your home country (or those of Bulgaria) — AXA will cover medical costs related to COVID-19. Emergency and additional travel costs are also covered in this case.

Moreover, all our electronic certificates — which can be purchased instantly on the AXA-Schengen website — include the following disclaimer: “Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy.” This, in turn, will satisfy any embassy rules that state you must get an insurance certificate with COVID protection.

What COVID-19 restrictions does Bulgaria have, by the way?

COVID-19 restrictions in Bulgaria, the Schengen, and the rest of the EU remain lifted as of early 2022. Still — since life can be pretty unpredictable, as recent years have shown — there is a chance that this too might change at any time. And that’s just one more sure reason to opt for one of our comprehensive plans.

And in any case, AXA recommends you stay up-to-date regarding COVID-19 in Bulgaria via the World Health Organization, the official website of the EU, and Bulgaria’s Ministry of Health.

What should I do if I am injured or ill while in Bulgaria?

If you experience any type of medical emergency during your Bulgarian adventure, AXA is here to help.

First and foremost, if you’ve opted for AXA’s top-quality coverage (which we, of course, hope you did) — contact one of our call centers. The phone number will be included with your insurance policy.

Our medical assistance professionals are available 24/7 to support you, answer your questions, and guide you through any situation — no matter where you are in Bulgaria. They can also help locate a medical center best suited to your needs and/or closest to your location.

IMPORTANT: When contacting AXA's 24/7 call center, be sure to have the following information ready:

• Your policy number (starting with "SCH");
• Your contact information (including phone number and local contact details, if applicable);
• Your dossier number (provided during your first call).

PRO-TIP: Keep copies of any medical bills or receipts, ensure your phone is charged, and remember — AXA got your back.

List of Emergency Numbers in Bulgaria

And along with AXA, here’s a list of Bulgarian emergency numbers to keep handy during your trip:

• General Emergency: 112
• Ambulance: 150
• Fire Department: 160
• Police: 166
• National Emergency Service: 112 (alternative for all emergencies)

PRO-TIP: In case of an emergency, 112 is obviously the easiest number to recall. It will connect you to the appropriate Bulgarian emergency service. However, we also recommend you save the additional numbers above in your phone for easy access.

What else should I know when prepping for my trip to Bulgaria?

With your AXA travel insurance in place, you're all set to discover Bulgaria's rich history, stunning scenery, mouthwatering cuisine, and vibrant culture with ease and peace of mind. But here are some additional details to consider for a smooth and enjoyable trip:

Currency Exchange

This part is important! While Bulgaria has been a member of the European Union since 2007 (and, as discussed, a partial member of the Schengen since 2024),it is not a member of the eurozone. And that means that the Bulgarian Lev (BGN) — not the Euro — is the official currency.
So while some places — especially the touristy ones — will accept Euros, we recommend having plenty of Leva on hand (especially in the not-so-touristy places). ATMs and exchange centers are widely available in major cities and tourist areas. As of May, 2024, the exchange rate* for the Bulgarian Lev (BGN):

1 BGN = approximately 0.51 Euros (EUR) = approximately 0.55 US Dollars (USD).
*But double-check with Google before you take off.

Safety

Bulgaria boasts a very low crime rate, making it a generally safe destination. However — as with all tourist destinations — staying vigilant in crowded areas and on public transportation is vital. Keep an eye on your belongings, avoid carrying excessive cash (Leva or other), and have those emergency numbers handy (and your phone charged!).

Public Transportation

Bulgaria offers a well-developed public transportation system for both short and long distances. Buses are common in most cities, with major cities like Sofia having extensive networks operated by public transport companies. The Bulgarian State Railways website BDZ provides extensive train schedules and routes throughout the country, for example (with online ticket booking available). While sofiatraffic.bg is a great resource for getting around the capital (i.e.Sofia). For buses, tickets can usually be purchased at vending machines or directly on board (but exact change is recommended).

PRO-TIP: And for a charming, old-school Eastern European experience, hop on a trolleybus — these operate similarly to buses in some larger cities like Sofia and Plovdiv.

Driving

If you plan to explore Bulgaria by car, a valid driver's license from your home country is sufficient for up to three months. An International Driving Permit (IDP) is not mandatory but recommended for additional identification purposes.

Ride-hailing apps like Bolt and Uber are also readily available in most Bulgarian cities.

PRO-TIP: Bulgaria follows standard European road rules. Seatbelts are mandatory for all passengers, and the legal alcohol limit is 0.5 BAC. Be mindful of speed limits, which vary depending on the road type. Pay close attention to parking signs in city centers, as many areas require paid parking tickets or parking discs. Free parking zones are often marked with a blue sign with a white "P."

Weather

Bulgaria experiences four distinct seasons. Summers are generally warm and sunny, with average highs around 27°C (81°F) — i.e., perfect for enjoying those beaches along the Black Sea coast.

Spring and autumn offer comfortable temperatures for exploring and even sunbathing too. The winters, however, can get chilly — especially in mountainous areas — with average lows around -3°C (27°F).

Either way, with most European weather being unpredictable these days, packing layers is key year-round — as well as waterproof gear if you plan some outdoor adventures.

Opening Hours

Most shops in Bulgaria operate from 10:00 am to 7:00 pm on weekdays and shorter hours on Saturdays (typically until 4:00 pm). Many shops are closed on Sundays — especially in the smaller towns. However, larger shopping centers in major cities and tourist areas may have extended hours, and often remain open on Sundays too.

Restaurants

Bulgarian restaurants typically open for lunch around noon to 3:00 pm, and for dinner from 6:00 pm to 10:00 pm. And with one more million visitors than its entire population annually, reservations are a good call — especially during weekends and peak tourist season (i.e., July-August). Some restaurants close between lunch and dinner, so checking opening hours in advance is a good call too.

Bulgarian cuisine is a delightful blend of Mediterranean and Slavic influences, offering a variety of fresh and flavorful dishes.

THREE PRO FOOD TIPS: And, finally, on that note, here are some must-try dishes recommended by the locals:

• Banitsa: A simple but delicious flaky pastry filled with cheese and/or eggs.
• Moussaka: A mouth-watering, hearty casserole layered with ground meat, eggplant, potatoes, and a creamy bechamel sauce.
• Shopska Salata: This refreshing salad with chopped tomatoes, cucumbers, onions, peppers, and crumbled white cheese is a national staple.

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• How safe is it to travel to Europe?
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FAQ

Can I apply for a Schengen Visa online?

Not yet. Although the European Union does plan to fully digitize the process soon. And AXA can tell you all about that.

How much does a Schengen visa cost*?

The cost of a Schengen visa is universal — i.e.80€ for adults, 40€ for children between the ages of 6 and 12, and is free for children under 6yo.

*However, the European Commission was considering upping these prices by about 5-10€ in 2024 — so stay tuned to the official channels.

Can my Schengen visa be extended?

Yes, but only in exceptional cases. AXA can tell you more about extending your visa too.

Can I work or study in Bulgaria with a tourist visa?

No. The tourist (or Type C) allows visitors to enter the Schengen zone for a short business trip, a holiday, or to visit family members. However, it cannot be converted into a work or study permit. AXA can tell you more about that as well.

Do I need EES/ ETIAS for Bulgaria?

Not as of May 2024. According to the official sources, the European Union’s new travel authorization systems — i.e., EES and ETIAS — are only set to go into effect in late 2024 and mid-2025, respectively.

Are the Schengen Zone and the European Union the same thing?

No. While they share a lot in common — including most of their member countries — the Schengen Zone and the EU are not one and the same.

Can I use my European health insurance card in Bulgaria?

Yes, your European Health Insurance Card (EHIC) will work in Bulgaria. Bulgaria is a member of the European Union and the EHIC system — which means, with your EHIC, you're entitled to medically necessary treatment on the same terms as Bulgarian citizens. IMPORTANT NOTE: However, the EHIC does not cover repatriation or medical care in private practice — just one more reason why proper travel insurance is your best bet.