Annual Travel Insurance @ VellyWay
Prepared for Velly & Elly · buying from Sofia, Bulgaria · updated 21 May 2026
The key reality of the Bulgarian market: no single online policy bundles all four of your needs. Trip cancellation and “amateur extreme / winter sports” usually sit in different products. The matrix below scores each option against your criteria, then recommends two practical ways to combine products.
Quick verdict
Allianz “Моят Мултитрип Super Safe”
The only annual multi-trip sold online in Bulgaria with trip cancellation built in (defined reasons), worldwide, €60,000 medical. Catch: extreme/high-risk sports are excluded — confirm ski/adventure or add a winter-sports policy.
from €163 / 319 BGN per person*DZI “ДЗИ Свят” + per-trip cancellation
Worldwide annual multi-trip that covers skiing (major 80-yr insurer, fully digital). Add a cheap standalone cancellation policy when you book each trip to cover the gap.
core: online quote + ~25 BGN/trip cancelThe decision matrix
| Your criteria | Allianz Multitrip SUPER SAFE | Allianz Multitrip SAFE | Allianz Multitrip SMART | DZI “ДЗИ Свят” multi-trip | Bulgaria Insurance Multi-Trip |
|---|---|---|---|---|---|
| Annual multi-trip | ✔ | ✔ | ✔ | ✔ | ✔ |
| Worldwide cover | ✔ incl. US / Canada | ✔ incl. US / Canada | ◑ excl. US / Canada | ✔ worldwide | ✔ |
| Trip cancellation (defined reasons) | ✔ up to €1,500; valid in BG too | ✘ | ✘ | ✘ separate product needed | ✘ separate product needed |
| Winter / ski sports | ◑ confirm — extreme excluded | ◑ confirm | ◑ confirm | ✔ “sea + skis, one policy” | ◑ add-on dependent |
| Adventure / extreme activities | ✘ excluded in policy doc | ✘ | ✘ | ◑ “ordinary” sport only | ◑ add-on dependent |
| Medical limit | €60,000 | €50,000 | €30,000 | €10k–50k | up to €50,000 |
| Max single trip | 62 days | — | — | 31 / 62 / 92 days | 30 / 60 / 90 / 180 days |
| Auto-assistance (EU) | ✔ | ✘ | ✘ | ✘ | ✘ |
| Price — from* (per person) | €163 / 319 BGN | €91.5 / 179 BGN | €80.8 / 158 BGN | online quote | online quote |
| Where to buy | allianz-assistance.bg | allianz-assistance.bg | allianz-assistance.bg | dzi.bg/travel | bulgariainsurance.bg |
Two practical ways to cover everything
Setup A — Simplicity first
- Allianz Multitrip Super Safe as the year-round backbone (worldwide + cancellation built in).
- Confirm with Allianz whether your skiing/adventure is covered. If not, add a cheap annual mountain / winter-sports policy just for ski weeks.
Setup B — Sports first
- DZI “ДЗИ Свят” annual multi-trip worldwide (skiing covered) as the backbone.
- Add a standalone cancellation policy per booking (Allianz “Отмяна на пътуване” from ~25 BGN, or DZI / Bulgaria Insurance) whenever you book a trip.
The discount lever
15% off insurance bought through the Boleron platform — enter promo code
ICARD (with an iCard wallet) or PRIMEX at checkout.
Applies to travel insurance (excludes motor / civil-liability lines).
Most useful for the standalone medical or the ski / mountain policy. Note: Allianz’s own annual Multitrip is sold at list price on its site — no public code found for it.
