You should purchase "Trip Cancellation" insurance to cover the expenses you have made for travel or vacation reservations in the event of an insured event such as illness, accident, pregnancy, and more. The insurance will reimburse you for the costs incurred if you need to cancel your trip due to these covered events.

You can have one policy that covers all travelers, whether they are family members or friends. The travel must originate from Bulgaria and be outside the country. You and the individuals you are traveling with must be Bulgarian citizens with a permanent address in Bulgaria. It is also possible for foreigners with permanent residency status in Bulgaria and a valid permanent address in Bulgaria to purchase the policy.

The insurer will reimburse you for expenses related to airline tickets, hotel reservations, and other travel and business services that were made prior to purchasing the insurance. To claim reimbursement, you will need to provide the following original documents: insurance claim form, bank account details, contract for organized travel, airline ticket or hotel accommodation document, financial documents showing payments made to tour operators, travel agents, carriers, or hotels.

The insurance will cover incurred expenses in case of cancellation of a reserved trip due to a covered event related to the trip itself, expenses for trip cancellation, trip curtailment or interruption, trip extension, flight delay, etc., as well as expenses related to your health and other events such as accidents, unexpected deterioration of a chronic illness requiring hospitalization, cancellation or denial of leave by the employer, complications during pregnancy, loss of life due to an accident, material damages in your home or premises where you conduct business, and more. Different insurance companies may cover different risks, so it's recommended to compare the offers provided to you.