Turkey travel insurance

Are there any exclusions?

Yes, you’ll need to check your policy documents but situations and circumstances that won’t be covered on your Turkey trip include:

• Adventure sports - There are plenty of activities like scuba diving and paragliding on offer in Turkey, but most policies won’t provide cover unless you buy an add-on.
• Pre-existing medical conditions – Failing to declare any of your health problems when taking out cover could invalidate your policy, meaning any potential claim is rejected.
• Cosmetic surgery - Turkey is a popular destination for medical tourism, but elective treatment won’t be covered by standard travel insurance - you’ll need a specialist policy.
• Not leaving yourself enough time - If you miss your departure because you overslept or got stuck in traffic, any claim you make is likely to be rejected.
• Travelling against government advice - Some parts of Turkey are more at risk of events like terrorist attacks. You won’t be covered if you travel against foreign travel advice.

What is the standard of healthcare in Turkey?

There are public and private hospitals in Turkey, but you won’t be able to use your EHIC or GHIC card to access free treatment.

State healthcare generally provides standards similar to the NHS. However, unless it’s an emergency, tourists are usually sent to private hospitals.

These aren’t as expensive as the UK, but the costs can soon add up - so make sure your travel insurance has enough cover.

You can also use one of the many pharmacies in Turkey. Most are open 24 hours and pharmacists are able to provide consultations and prescribe medication.

But if it’s an emergency, you can call 112 and ask for an ambulance. Just bear in mind that private ambulances tend to arrive more quickly.

Travel risks in Turkey

Crime levels in Turkey are moderate. You may encounter pickpocketing, particularly in the larger cities like Istanbul.

We found that 73% of 1,046 annual travel insurance policies on Defaqto covered money up to a maximum sum of £399 or less, and 26% offered a benefit for injury following a mugging of up to £1,999.^[3]

Check gov.uk to find the latest information about safe places to travel, terrorism, and safety when visiting Turkey.

Things to know when travelling to Turkey

• Climate - It can get very hot during peak season. So if you prefer warm rather than sizzling conditions, you may be better off visiting in the spring or autumn.
• Culture - Turkish people are known for their hospitality. And serving tea to guests is a big part of the culture, so you’ll often be offered a glass in shops as a friendly gesture.
• Religion - More than 99% of the population is Muslim and the atmospheric call to prayer can be heard sounding out through the streets.
• Food - Colourful and delicious, the cuisine includes meze-style dishes, kebabs, breads, and dips. For dessert, there’s syrupy baklava and of course, Turkish delight.
• Language - Turkish is the national language, although English is often spoken in tourist areas. But to help you get by, it’s good to learn a few key phrases too.
• Vaccinations - You should be up to date with your routine vaccinations - it’s recommended you have hepatitis A, hepatitis B, typhoid and tetanus vaccines, but check current advice.
• Tipping - Tipping staff and waiters in Turkey is completely optional, but a tip of between 10% and 15% is typical if you want to leave something for good service.
• Haggling - Lastly, expect to barter for souvenirs or items sold by street traders. It’s reflected in the price, so a good rule of thumb is to knock off between 20% and 30%.

Is Turkey classed as Europe for travel insurance?

This depends on the insurer - although Turkey isn’t in the European Union, some include it under European cover. Otherwise, Turkey will fall under worldwide travel cover.

To make sure you’ve got the right cover for your trip, check your policy details.

Will I need a visa?

If you’re a British passport holder, you won’t need a visa for Turkey unless you’ll be staying for longer than 90 days in any 180-day period.

You can buy an e-visa online using the official Republic of Turkey e-visa website. Apply at least 48 hours before travel and keep a printed copy of your e-visa with you.

Be aware that your passport should be valid for at least 150 days from the date you arrive.

For more information, check the government’s website for advice about Turkey’s entry requirements.