Travel insurance for Turkey – Forbes Advisor UK


From the bustling city of Istanbul to the beaches of Antalya and Bodrum, from ancient sites such as Ephesus and Göbekli Tepe to the stunning landscapes of Cappadocia, you’ll want to enjoy what Turkey has to offer without worrying about the potential cost. of a problem.

This is where travel insurance for Turkey comes in. It’s there to protect you financially in the event of misfortune, such as falling ill and needing care while you’re away, losing your luggage, or having to cancel your trip due to an unforeseen emergency.

Here’s everything you need to know about travel insurance for Turkey and how to find the best policy for you.

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What types of travel insurance are there for Turkey?

You can find different types of travel insurance for Turkey. The main ones are:

  • Single trip insurance for Turkey: covers a one-time trip.
  • annual insurance Europe/world/world excluding USA, Canada and Caribbean: covers more than one trip within 12 months to various destinations including Turkey.
  • backpacker insurance: covers longer trips (up to 365 days with some insurers) to multiple destinations, including Turkey.

Does the annual travel insurance for Europe cover Turkey?

Turkey’s status as part of Europe but not a member of the EU means that some insurers include it in their European coverage, while others include it in their worldwide and worldwide coverage excluding USA, Mexico , Canada and the Caribbean.

Policies for worldwide travel and worldwide travel excluding the United States, Mexico, Canada and the Caribbean tend to be more expensive.

If you already have an annual policy in place, you should check the fine print or contact your insurer, to find out if it specifically covers Turkey.

What does travel insurance for Turkey cover?

As with other types of travel insurance policies, travel insurance for Turkey should include coverage for medical treatment and repatriation while you are away and coverage for the cancellation of your trip prior to your departure for such a reason. illness, divorce, loss of your job, or a dying family member.

It should also cover the loss or theft of your luggage and personal effects, as well as legal fees if you accidentally injure someone or damage their property while you’re away.

Depending on your policy, you can also add other types of coverage, usually for an additional fee. If not already included as standard, this may include:

  • missed start: compensates you if an emergency such as a breakdown of your car causes you to miss, according to the policy, one or the other or both of your connections to the outside and to the inside
  • travel delay: pays a fixed amount if your flight is delayed by 12 hours, and an additional amount every 12 hours thereafter.
  • failure of the end supplier: pays if a company you booked with goes into administration.

Remember to check policy details for exclusions and limitations before purchasing.

Does travel insurance for Turkey cover adventure activities?

If you plan to go donkey trekking, bungee jumping, paragliding or even quad biking, chances are that a standard travel insurance policy for Turkey won’t cover you.

Your insurer may give you the option of adding the necessary cover to your policy, or you may need to find a specialist insurer who will provide it as a separate stand-alone policy.

Will my travel insurance for Turkey cover risks related to Covid?

Almost all insurers now cover pandemic-related emergencies.

Financial information firm Defaqto found that 99% of policies reimburse if you fall ill with the virus while away and need medical treatment, while 95% will cover you for cancellation if you contract the virus. Before leaving.

The valid grounds for complaint differ from one insurer to another. You can find the accepted and rejected scenarios in the policy documents.

What does travel insurance for Turkey not cover?

You should not expect your travel insurer to reimburse you if your claim results from alcohol or drug intoxication, disorderly behavior, acts of terrorism or natural disaster.

You can find all the limitations and exclusions of your coverage in the policy details.

Can I use a GHIC card in Turkey?

GHICs (Global Health Insurance Cards) and their predecessors EHICs (European Health Insurance Cards), while still in force, can only be used in EU countries. They are not valid in Turkey.

It is therefore essential that you take out travel insurance with an adequate level of medical cover when traveling to Turkey. The Money Helper government’s suggestion of at least £2m to travel around the world is the minimum, to be on the safe side.

What else should I consider when purchasing travel insurance for Turkey?

Be sure to check the Foreign Commonwealth and Development Office’s advice page for emergencies, such as terrorism threats, natural disasters and health risks in Turkey, before you travel.

A few limited policies will cover you if you are traveling to areas of Turkey where the FCDO advises against travel.

Entry requirements to Turkey have changed throughout the pandemic for UK travellers. You should check for updates before travelling.

How to find the best travel insurance for Turkey?

Using a site like ours to quote allows you to do side-by-side comparisons.

Enter a few details about yourself and your vacation, including your destination, into our travel insurance comparison tool and you’ll see the cheapest deals to suit your needs.

You then need to compare offers based on price and deductible – the amount you will have to pay for each claim.

Most importantly, make sure the policy you choose offers sufficient levels of cover for your trip. Government Money Helper suggests at least £2,000 of cancellation cover and £1,500 of luggage and personal effects cover in addition to £2 million for medical cover.

If you opt for coverage such as gadget insurance, make sure it covers the full value of the devices you will be taking on vacation with you.

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