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Travel insurance for Turkey
Planning to visit the Hagia Sofia or Anzac Cove? Protect yourself on your Turkish adventure.
A gateway between Europe and the Middle East, Turkey is home to a bustling blend of cultures and host to centuries of unique history from both sides of the Mediterranean, offering unique man-made landmarks and a diverse range of natural attractions, adventure tourism and resort-style relaxation. It’s also currently a risky place to visit, so make sure you pick up a travel insurance policy before you leave to keep you safe.
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What does travel insurance for Turkey cover?
Coverage varies from policy to policy, but the most important things to get covered for include:
- Emergency medical assistance. Even the most bare-bones policy needs to include coverage for any injuries or illnesses that occur while you’re overseas, including ambulance fees, hospital expenses and medications. Comprehensive policies will also include coverage for medical evacuation and repatriation, which means your insurer will pay to fly you to a major hospital if needed or even back to the US.
- Travel delays. If you get stuck in Turkey longer than expected due to bad weather, an illness or injury or a canceled flight, your insurer can cover the cost of extra hotel nights, flight changes and lost deposits or cancellation fees if you’re headed on to another destination.
- Lost or stolen belongings. If your luggage never makes it to baggage claim or your wallet is stolen on the way to the hotel, your insurer can reimburse you. Comprehensive policies also cover delayed baggage so that you can pick up clothes and anything else you need to hold you over until your suitcase arrives.
- Cancellations. If your trip gets canceled for reasons outside of your control, your insurer can reimburse you for any nonrefundable costs.
What doesn’t travel insurance cover?
Exclusions vary from policy to policy, buy you’ll rarely be covered for:
- Improperly secured belongings. Travel insurance policies will generally not cover stolen possessions if they were left unattended in a public place or in an unlocked hotel room.
- Traveling against government advice. At the time of writing, the US Department of State advises people to reconsider their need to travel to Turkey as a whole and to not travel to certain areas. Check with your insurer to see how this affects your coverage. You’ll likely not be able to get coverage for political evacuation, and it may be more difficult to get coverage for personal liability or repatriation.
- Reckless behavior. Excessive drinking, doing anything under the influence of illicit drugs and demonstrating poor judgment can all count as reckless behavior. Any losses resulting from this will typically not be covered by insurers.
- High-risk sports and activities. If you’ll be ballooning, flying, scuba diving, jet skiing, windsurfing, wakeboarding, water skiing, mountaineering or enjoying other adventure holiday activities in Turkey, you need to be sure your travel insurance covers it. These activities often need to be added on to your policy for an additional fee.
Dangers to be aware of in Turkey
As mentioned above, Turkey is a country that the US government currently considers risky for travelers. Travel insurance can help protect you against financial ramifications, but caution is always your best first line of defense. Risks to be aware of include:
- Political instability. In 2016 the Turkish military forces and government were involved in a failed coup attempt. Although the situation has been largely resolved, the nation still has an increased security presence and chance of demonstrations. Do not get involved in any protests, and check new reports for updates before leaving.
- Refugee conflicts. Turkey shares a border with Syria and has seen over two million refugees cross the border, causing considerable tension between Turkish locals and refugees. Try to avoid hotspots and don’t get involved in any conflicts.
- Terrorism. Terror groups are active on the border between Turkey and Syria, and have shown a tendency to target westerners for kidnapping and murder. Avoid traveling to the provinces of Hatay, Kilis, Gaziantep, Sanliurfa, Sirnak, Diyarbakir, Van, Siirt, Mus, Mardin, Batman, Bingol, Tunceli, Hakkari and Bitlis, as well as anywhere else near the Syrian border.
- Sexual assault. There has been an increase in the number of violent sexual assaults against female tourists traveling alone or in small groups in Turkey’s popular tourist areas, including Istanbul and Antalya. Watch your drinks, don’t travel alone and avoid isolated locations. If possible, consider traveling with men you’re familiar with.
- Crime. Muggings, assaults and bag snatchings occur in Turkey, particularly in the more crowded tourist areas of Istanbul. Always stay alert and aware while out and about and avoid traveling alone when possible.
- Scams. There have been reports in Istanbul of English-speaking locals befriending tourists and taking them to a restaurant or bar for food and drinks, and then later demanding payment for an enormously inflated bill, sometimes as much as thousands of dollars for a few drinks, and threatening violence if it’s not paid.
Travel advice for tourist hotspots
There are six destinations in Turkey that have become particularly popular with travelers. However, they are not without risks that you should be aware of.
An impressive and contemporary transportation, education, business, arts and cultural center with significance both inside and outside of Turkey, Ankara delivers an enormous concentration of different museums and things to do. Situated in the heart of Turkey, many travel plans will bring you to and through Ankara as a convenient and scenic transportation hub.
- Because travelers are advised to reconsider their need to travel to Ankara, some travel insurers will not cover you there. Many will, however, so check your cover before going.
- Hazards to specifically watch out for in Ankara are those related to crime, robberies, scams and civil unrest.
Driving to Gallipoli and Anzac Cove
This destination is particularly significant to Turks as a site of somber remembrance and education as well as renowned natural beauty.
- Be aware of potentially severe winter storms in the Gallipoli region and check weather reports before traveling in the area.
- Watch out for traffic on coastal roads in the area. Traffic restrictions may apply, but pedestrians will still be able to enjoy full access.
- Do not wander off the marked paths, observe all signs and warnings and stick with your group.
- Anzac Cove and Gallipoli are popular areas, and the available tourist services range from the safe and reputable to the dangerous and shady. Avoid using transportation and tour operators who don’t offer the necessary safety precautions.
- Consider a travel insurance policy that covers rental cars to avoid risking a costly fender bender on the unfamiliar roads and traffic if driving to Gallipoli, and be aware that many policies will not cover you for injuries sustained as a result of disobeying signs and warnings.
Ballooning over Cappadocia
Cappadocia is a world-renowned location, home to ancient houses carved into the mountains themselves, as well as awe-inspiring natural volcanic terrain. Hot air balloon rides are a popular way of taking in the best of Cappadocia, but you will need to check whether your policy covers it.
- The central Anatolia region, including the Cappadocia area, is susceptible to seasonal disease outbreaks, usually in early summer. You are encouraged to take malaria medication and use appropriate steps like long sleeves and insect repellent to discourage bug bites. Some insurers may require you to be up to date on your vaccinations.
- In more isolated areas, avoid ice cubes, raw or undercooked food and unpasteurized dairy products. Boil or get bottled drinking water.
Istanbul is the only city in the world that spans two different continents. It also has a lot of unique sights, like the famous Hagia Sophia, Blue Mosque and Topkapi Palace. Some considerations to make regarding your travel insurance include:
- How will you be getting around? If you’ll be doing a lot of driving in Istanbul you should probably consider rental car coverage.
- Recent years have seen a lot of political activity, demonstrations and protests around Turkey, many of which took place on the streets of Istanbul. Your travel insurance will not cover you for injuries sustained while taking part in a demonstration or protest.
Staying in Antalya
Turkey has a large coastline with many seaside resorts. Antalya in particular is one of the most popular seaside resort cities, blending a rich local culture and history with spectacular natural scenery, water sports and plenty of tourist activities and nightlife.
- Stolen belongings will only be covered by travel insurance if you’ve taken all appropriate steps to secure them. For example, they will not usually be covered if left unattended, in plain view or in an unlocked room or car.
- Waterskiing, jet skiing, parasailing, scuba diving and other sports carry certain risks, which means they might not be covered by a basic insurance policy. Find out if you need to add on coverage for any activities.
Climbing Mount Ararat
Thrill-seekers often find themselves on Mount Ararat, Turkey’s highest peak. This climb finds a place on many keen mountaineers’ must-do lists, but not because it’s an easy ascent. The climb often requires ropes and guides, to say nothing of the risks of rapidly changing weather conditions, altitude sickness, heat exhaustion, illness in an isolated area and everything else.
- Many standard travel insurance policies will not cover injuries resulting from attempts to climb this mountain.
- Consider getting special travel insurance for rock climbers if you are planning on mountaineering.
- Make sure you have coverage for medical evacuation in case you’re injured on the mountain and need to be helicoptered off.
Medical care in Turkey
Turkey has a robust network of private hospitals, many of which have agreements with different insurers so you can access them with travel insurance. There are plenty of medical facilities and options in Turkey, and both public and private hospitals can be expected to provide effective treatment. Whether you’re visiting as a tourist or for business, you need to know how your travel health insurance policy will work. Note the following:
- Non-Turkish speaking visitors are better suited to the private hospital system, as it has considerably better access to English-speaking doctors.
- Many areas of Turkey do not have adequate local medical facilities for urgent treatments. Emergencies here will typically require medical evacuation or an air ambulance. These are usually very expensive, and require payment up front. Having a travel health insurance policy can literally save your life if you require a medevac in Turkey and save you from bankruptcy if you need to be repatriated back to the US.
Who do I contact in an emergency?
In the event of an emergency, contact:
- Your insurer. Call your insurer for any issue that you could make a claim for, including medical emergencies. Keep your insurance details with you at all times while traveling so you can easily get in touch with them at a moment’s notice.
- Police. Dial 155 to reach police.
- Ambulance. Dial 112 in a medical emergency.
- US embassy. If you lose your passport, get into legal trouble or if there’s a countrywide emergency, contact the nearest US embassy or consulate.
Tips for traveling safely in Turkey
When traveling in Turkey:
- Pick your travel dates carefully. February 15, March 21, March 30, April 4, May 1, August 15, November 27 and December 19 all have symbolic significance in the Turkish calendar, and may be more susceptible to terrorist threats. Exercise caution in the days and weeks surrounding these dates.
- Use bug spray. Theres’s heightened malaria risk in the southeastern part of Turkey from May to October, while the start of summer sees the emergence of other insect-borne illnesses. Make sure you are vaccinated and take appropriate precautions if visiting Turkey in this period.
- Be aware of local laws. Dual Turkish/American citizens will be recognized as Turkish while in the country for any legal matters. The US embassy is only able to offer limited assistance to dual citizens who are detained.
- Don’t get involved. Avoid areas where large gatherings or demonstrations are occurring, whether or not you are a participant.
- Be aware of risks. Tourist destinations, including areas of Ankara, Istanbul and Antalya, have been deliberately targeted by terrorist attacks. Exercise heightened caution in these areas and remain aware of your surroundings and personal safety.
- Be cautious. While Turkey is comparatively progressive relative to other destinations in the region, it’s still much safer for LGBT travelers to avoid public displays of affection or visiting certain areas.
Whether you’re going to visit Istanbul for a weekend before continuing on to Dubai or spending a month traveling around the northern part of the country, Turkey is undeniably beautiful and full of adventure. Unfortunately, it’s also full of risks — pick up a travel insurance policy before you leave to help keep you, and your wallet, safe.
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