single trip travel insurance to turkey

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• Travel Insurance Turkey

On This Page

• Key takeaways

Turkey travel information & requirements

Do i need travel insurance to visit turkey, what does travel insurance for turkey cover, what isn’t covered by travel insurance for turkey, how much does travel insurance for turkey cost, tips for getting the best turkey travel insurance, faq: turkey travel insurance, related topics.

Travel Insurance for Turkey: U.S. Visitor Quotes & Requirements

• Travel insurance for Turkey isn’t required , but it’s recommended given the risk of earthquakes, political demonstrations and terrorism.
• Your U.S. health insurance won’t work in Turkey , so it’s especially important to purchase travel medical insurance before your trip.
• According to our research, our top picks for travel insurance for Turkey come from Seven Corners, Tin Leg and IMG ( skip ahead to view these plans ).
• We recommend comparing insurance plans online to find the right balance between price and coverage.

With its lively cities, rich history and rugged landscapes, Turkey is a dream destination for travelers from around the world. 

Whether you’re planning to climb around the cave homes of Cappadocia or tour the grand mosques and bazaars in Istanbul, every vacation has an element of risk. Travel insurance for Turkey can help you recover financially if your trip is canceled or you’re injured on the journey.

This guide provides useful information you’ll need to choose the right travel insurance policy for your itinerary and unique needs, including:

• An overview of Turkey travel requirements
• Coverage options for travel to Turkey
• The approximate costs for Turkey travel insurance

Our top picks for the best travel insurance turkey

• Seven Corners: Best for Robust Coverage
• Tin Leg: Best Rated Travel Plan
• IMG: Best Rated Travel Insurance

Our top picks for travel insurance for Turkey

Seven corners.

Are there COVID-19 restrictions for U.S. tourists?

Turkey has  no COVID-19 restrictions for travelers from the United States.

Do I need a visa or passport to travel to Turkey?

If you’re traveling to Turkey as a tourist, you don’t need a visa if you’re staying less than 90 days . For longer stays, you must apply for a visa. You’ll also need a passport that’s valid for at least 6 months from the day you enter the country. Make sure your passport has at least one free page to accommodate Turkey’s entry and exit stamps.

Is Turkey safe for Americans?

As long as you’re sticking to major tourist destinations, such as Istanbul, Antalya, Cappadocia and Ankara, Turkey is generally a safe place to visit . The same goes for popular coastal areas.

Currently, it’s not safe to travel to eastern and southeastern parts of Turkey . You should avoid the regions along the border with Syria and Iraq. Ongoing conflicts in these areas make them extremely dangerous for tourists.

Travel insurance isn’t required for visiting Turkey , but it’s always a good idea. 

Although most tourists have a safe and pleasant visit, Turkey presents a few common risks. If your trip is affected by something unexpected, insurance can help you recoup lost costs , pay for medical care and find medical transport in case of an emergency. If you fall and break a leg while climbing stairs in Istanbul, for example, your policy can help cover the hospital bills.

Risk of earthquakes and natural disasters

Turkey sits at the intersection of multiple tectonic plates, which means it sees a great deal of seismic activity. In fact, it’s one of the most active earthquake zones in the world; every part of the country is at risk.

Some areas of Turkey are also prone to other types of natural disasters, including wildfires and floods. These issues can be serious, rendering entire regions impassible and disrupting travel. A travel insurance policy can protect you if your trip is canceled or delayed due to earthquakes and other catastrophes.

Risk of terrorism and political demonstrations

Turkey is home to multiple terror groups, which means there’s always a risk of an attack. The tense political climate in Turkey can also pose a danger to travelers, especially when there are protests and demonstrations; the conflict between Israel and Hamas in Gaza has heightened this risk. Look for a travel insurance policy that can help minimize financial losses if your trip is canceled or interrupted due to a terrorist attack or political instability. 

Water-related activities 

Water activities are popular in the beautiful coastal regions of Turkey. If you’re planning to take a boat trip or go snorkeling and scuba diving, travel insurance is a must. It can pay your medical bills if you get into a boating accident or experience decompression sickness while diving. Since healthcare facilities in smaller Turkish towns aren’t always well-equipped, insurance can also cover costs for transportation to a larger city.

Adventure activities

Some parts of Turkey are known for adventurous activities. Before you hop in a hot air balloon in Cappadocia, you should have a travel insurance policy to cover unexpected accidents that might happen. This is especially important if you’re exploring remote areas in Turkey that could require a long plane or ambulance ride after an injury.

As you’re considering different types of travel insurance for Turkey, it’s important to read the terms carefully. Every policy comes with specific coverage options — you should understand exactly what a plan includes before you buy.

Trip cancellation insurance

A policy with trip cancellation coverage will pay back your nonrefundable costs if you have to call off the trip before departure. If you come down with COVID-19 a week before your flight to Turkey and can’t travel, for example, the policy will reimburse what you’ve already paid . Pay attention to restrictions; many plans require you to cancel 2 days or more before the scheduled departure date to qualify.

Trip delay insurance

This type of coverage reimburses the extra expenses you incur as a result of a delay. If your flight to Istanbul is pushed back by 12 hours and you have to stay overnight, your insurance will likely cover the cost of a hotel and meals. Trip delay insurance is particularly important for travel to Turkey, as many flights from the United States require a connection .

Trip interruption insurance

If an unexpected situation forces you to return home early from Turkey, trip interruption insurance covers the costs for the unused portion of the trip . This could happen if you’re injured while hiking the Lycian Way and can’t continue traveling, or if a family member passes away at home mid-vacation. Some plans will even pay you back for an earlier flight home, which could save you thousands of dollars.

Travel medical insurance

Pay close attention to the medical coverage in your travel insurance policy ; it determines how much the provider will pay for emergency healthcare during your trip. Most plans cover injuries, accidents and sudden illnesses . If you try street food in Istanbul and get severe food poisoning, the policy will cover your hospital stay. Some providers even offer translation services, which is helpful if the hospital personnel only speak Turkish.

Medical evacuation insurance

Medical evacuation coverage pays for your transportation during a health emergency. If you’re in a hot air balloon accident in Cappadocia, this might include a helicopter transfer to a well-equipped hospital in Ankara or Istanbul. And if doctors recommend you receive ongoing treatment in the United States, the policy can schedule and pay for a medical flight back home — an extremely expensive trip, given the distance from Turkey.

Insurance for personal items

This coverage can reimburse you if your luggage and belongings are damaged, lost or stolen during your visit to Turkey. Make sure to check limits and restrictions, especially if you’re bringing an expensive camera to capture the pools at Pamukkale or designer clothing for a night out in Istanbul.

Rental car coverage

This type of insurance pays for damage to your rental car — it’s a must if you’re planning a self-driving tour around Turkey. Road conditions can be rough in smaller towns and remote areas, and safety standards on the road may increase your chance of an accident.

Every travel insurance provider has a list of situations that aren’t covered by the plan. 

Some common Turkey travel insurance exclusions are:

• Extreme sports
• Last-minute cancellations
• Pre-existing conditions , although you may be able to get a waiver to cover pre-existing conditions
• Routine or nonemergency medical care
• Excessive drug or alcohol use
• Suicide attempts

Travel insurance for Turkey can cost as low as around $1 per day for the most basic medical and medical evacuation coverage.

For a more comprehensive policy that includes trip cancellation and trip interruption coverage, we found that you can expect to pay around $7 to $11 per day.

We gathered multiple quotes from a variety of providers to give you an idea of possible prices for travel insurance . 

Each of the plans below uses these details:

• Age: 35 years old
• Destination: Turkey
• Trip Length: 7 days
• Trip cost: $2,000

You can see four quotes for basic travel insurance in this first table. The cheapest travel insurance plan costs less than $1 per day.

Example Where Plan Doesn’t Reimburse the Full Trip Cost

This next table shows our price quotes for more comprehensive policies that include trip cancellation and trip interruption coverage. These plans range from around $7 to $11 per day.

Example Where Plan Does Reimburse the Full Trip Cost

Bear in mind that travel insurance premiums can vary widely from person to person based on several factors, such as:

• State of residence
• Date of purchase
• Trip cost and length
• Trip location
• Planned activities

With so many options, it can feel overwhelming to choose the right travel insurance for Turkey. 

Use these tips to find the right coverage for your trip:

Act quickly.

Many providers offer the best coverage if you buy a policy soon after making the first deposit for a trip.

Consider your itinerary.

If you’re traveling to far-off communities or rural destinations, look for high medical evacuation limits.

Check transportation coverage.

Travel insurance may only apply to common carriers — major transportation providers that serve the public.

Assess your plans.

Most policies exclude extreme sports. Read the details; many providers cover activities like scuba diving, but only if you meet specific conditions.

Is insurance mandatory in Turkey?

No; travel insurance isn’t mandatory for tourists visiting Turkey.

Is Turkey classed as Europe or worldwide for travel insurance?

This classification varies between insurance providers. You should read the fine print for each plan to determine whether the provider includes Turkey in Europe or if it’s covered under “worldwide travel” plans.

How much does travel insurance to Turkey cost?

The premiums for travel insurance for Turkey vary based on factors including the provider, traveler age, trip length, trip cost and place of residence.

Imogen Sharma is a freelance writer with an extensive portfolio, covering topics such as finance, business management, investing, and startups. Before becoming a full-time writer, Imogen managed high-volume fine dining restaurants in London with a knack for pricing and P&L management that contributed to sustained growth.

Imogen has contributed bylined and ghostwritten content for thought-leading publications in business, finance and technology. Topics covered include business loans, personal loans, startup funding and real estate investments.

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Travel Insurance for Turkey

Our turkey travel insurance policies have no age limit and cover pre-existing medical conditions..

Turkey welcomes 24.7 million holidaymakers each year and is a popular destination for UK holidaymakers. Before you start planning your holiday, make sure you secure Travel Insurance for Turkey.

Discover Turkey’s beaches and cultural blend

Turkey is a dream holiday destination for beach lovers, with more than 450 beaches to choose from. The Aegean Coast is the perfect spot to explore if you go beyond the white sand beaches, home to coves, forested peninsulas and many fishing communities. It’s the perfect day away from your resort.

With influences from both the Middle East and the Mediterranean, Turkey is a combination of cultures. Whether you’re getting lost in the food markets of Istanbul or wandering around the world’s best-preserved ancient sites, there is always something new to see.

Water sports and activity cover in Turkey

There’s so much more to Turkey than lying by the sea. Watersports are incredibly popular along the coast, with paragliding particularly popular. If you plan to do any water sports or other fun activities during your holiday, ensure that any activities you plan on doing are covered by your Travel Insurance for Turkey. As standard, your policy will include ‘activity pack A’, which covers a range of activities, including some water sports. However, this pack does not cover everything, so you may wish to add ‘activity pack B’ for an additional premium. When getting a Travel Insurance for Turkey quote online, you can see in detail what activities fall under each pack.

Our Travel Insurance tips for visiting Turkey with peace of mind

We’ve designed a set of travel tips to help you better understand Turkey so you can enjoy your holiday to the fullest and ensure your Travel Insurance for Turkey covers everything you need.

Quick Links

> Dress appropriately and respectfully > Bring your travel adapter > Eat, eat, eat > Enjoy the history

Dress appropriately and respectfully

Dress codes vary depending on location. In most coastal resorts and major cities, you can wear what you wish – but if you’re travelling to more rural or religious areas of the country, you should dress more conservatively.  For instance, both men and women should cover their arms, shoulders, and legs. If you decide to visit a Mosque, women should take extra precautions and keep their hair covered. Both men and women should also be prepared to remove footwear.

Bring your travel adapter

If you’re wondering what adapter is needed for Turkey, the standard plug is a type F, also known as Schuko. The standard voltage is 230V, and the frequency is 50 Hz. You will need this for any electrical appliances you bring with you to Turkey, including your phone charger or hair styling tools.

Eat, eat, eat

Turkey is the perfect location for food lovers! The cuisine is among some of the best in the world. Famously known for its kebabs, the popular dish is just the start of the delicious tastes you’ll experience while on your trip.

The destination’s abundant and diverse cuisine is primarily due to its geography. Turkish foods typically use fresher ingredients that are less seasoned. They are often rolled, kneaded, or shaped before cooking. Savour each bite, enjoy the flavours and make the most of your time in Turkey. If you suffer from any food allergies, make sure to let any restaurants know before you eat and declare this as a pre-existing medical condition on your Turkey Travel Insurance policy should  you need medical attention due to any allergies declared, your medical expenses will be covered.

Enjoy the history

As a country rich in history, you should take part in a tour of Turkey’s many historical landmarks. No wonder UNESCO World Heritage accredited two of Turkey’s top historical sites.

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Turkey Travel Insurance

Travel insurance for turkey.

The beautiful country of Turkey found where Europe meets Asia, is an enchanting gateway to ancient monuments and imperial legacies. From old ruins like Ephesus to lively bazaars in Istanbul, it offers both ancient charm and modern excitement. The unique rock formations of Cappadocia and the beautiful Mediterranean shores call travelers to explore and discover Turkey's many treasures. Beyond that, its lively culture, captivating scenery, and delectable cuisine entice globetrotters from across the globe. If you're set for a brief visit, discovering Turkey's renowned destinations is a must for your itinerary. When journeying to such a captivating destination, you probably have a whole bucket list ready -- and that should include your travel insurance for Turkey as well. In this guide, we will explore the range of travel insurance options available to you, including, trip cancellation, interruption, or delay, emergency medical, baggage loss or theft, and more, to ensure a Turkey adventure.

• What should your Travel insurance cover for a trip to Turkey? 
• How does Travel Insurance work for Turkey?
• Do I need Travel Insurance for Turkey? 
• How much does Travel Insurance cost for Turkey? 
• Our Suggested AXA Travel Protection Plan
• What types of medical coverage do AXA Travel Protection plans offer?

Are There Any COVID-19 Restrictions for Travelers to Turkey?

Traveling with pre-existing medical conditions , what should your travel insurance cover for a trip to turkey.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.  AXA Travel Protection plans are designed with these minimum recommended coverages in mind. 

• Medical Coverage   – The top priority is ensuring your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Turkey.

How Does Travel Insurance Work in Turkey?

Ever had a plan that got totally derailed by unexpected curveballs? That's where travel insurance coverage steps in. Say you've booked your dream trip, but before takeoff, a sudden illness or a family emergency happens. Travel insurance can help assist and support you with non-refundable expenses like flights or hotels that you've already paid for but can no longer use due to these unforeseen events. You could get a refund for the things you can no longer enjoy. However, there is more to it than just that! Imagine you're exploring the ancient wonders of Turkey, and suddenly, someone in your group needs serious medical attention. That's where travel insurance goes beyond refunds. It offers services like medical evacuation, and swooping in to transport you or your family member to a better-equipped medical facility or a safer place if needed. Consider travel insurance as a steadfast companion throughout your Turkish escapade, not just for reimbursements for unexpected hiccups, but also for lending a hand when things take an unexpected turn. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I Need Travel Insurance for Turkey?

If you're not seeking a visa for your Turkey visit, travel insurance isn't a compulsory requirement. You can indeed journey to Turkey without it. Nevertheless, it's highly recommended to get travel insurance whenever you venture abroad, even if it's not obligatory. The coverage it offers can be valuable, providing support and assistance against unforeseen circumstances during your travels. Why? There are several reasons:

Medical Emergencies: Your health is a top priority. If you face a sudden illness or injury in Turkey, travel insurance offers the means to receive prompt and quality medical care.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Missed Connection: Missed connection coverage comes in handy when you find yourself stranded due to flight delays or cancellations, helping cover additional expenses for accommodation or transportation if you miss a connecting flight. It's a lifesaver when unforeseen circumstances mess up your flight schedule, keeping you from getting to your destination on time.

How Much Does Travel Insurance Cost for Turkey?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Turkey will be offered three tiers of insurance: Silver, Gold and Platinum. Each provide varying levels of coverage to cater to individual's preferences and travel needs.

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Turkey hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. The Platinum Plan stands out as the ideal option for enhanced coverage, like the Lost Golf Rounds, during your Turkey adventure. This can be very beneficial since Turkey is known for its world-class golf resorts and can help you get back your prepaid green fees if a scheduled round of golf is missed due to covered reasons like illness or injury during your trip. This can help you not lose out on these planned golfing experiences and make a nice option for a golf lover exploring Turkey.

What types of medical coverage does AXA Travel Protection plans offer?

Axa covers three types of medical expenses:

Emergency Medical: covers medical expenses, hospital stays, and even emergency evacuations, covering the expenses of hefty bills and ensuring access to quality healthcare while away from home.

Emergency Evacuation and Repatriation: covers your immediate transportation home in the event of an accidental injury or illness.

Non-Medical Emergency Evacuation and Repatriation: offer assistance in unexpected situations such as political unrest or natural disasters, ensuring safe and timely relocation to a secure location or repatriation back home.

No, there are no longer any strict COVID-19 restrictions to enter Turkey—no vaccine proofs, quarantines, or mandatory masks are needed anymore.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip. Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to Turkey?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.

3.Do Americans need travel insurance in Turkey?

You don't have to get travel insurance if you're a US citizen visiting Turkey, but it's highly recommended you do so. Even though it's not mandatory, having travel insurance for Turkey can really save the day if you face any unexpected travel hiccups or health issues.

4. What is needed to visit Turkey from the USA?

U.S. citizens traveling to Turkey for tourism or business purposes for up to 90 days within a 180-day period typically need an e-Visa. This e-visa can be easily obtained online before arrival in Turkey.

5. What happens if a tourist gets sick in Turkey?

If you become sick in Turkey, travelers with AXA Travel protection can contact the AXA Assistance hotline at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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• Destinations

Turkey Travel Insurance Requirements

Last updated: 03/07/2024

As tourism has increased in Turkey, so has the total medical costs for treating visitors. This has parlayed into more medical bills being left unpaid.

Therefore, it is now a requirement for travelers from outside countries to purchase medical travel insurance in order to be granted access to Turkey. The only specific requirement in place is that the policy must cover travelers for their entire trip, from start to finish.

Squaremouth’s Turkey Travel Insurance Recommendations

Medical travel insurance benefits are the most important pieces to look for when buying travel insurance for a trip to Turkey. While these benefits are required to gain entry into the country, there is not a set amount that is needed.

However, due to the potential for high medical coverage during an international trip, Squaremouth recommends travelers visiting Turkey buy a policy that meets our recommended medical coverage for international travel. This means travelers should purchase a policy with at least $50,000 in Emergency Medical coverage, and at least $100,000 in Medical Evacuation coverage.

Emergency Medical and Medical Evacuation are separate benefits. Emergency Medical can reimburse travelers for the cost of treatment during their trip, such as hospital fees and physician services. Medical Evacuation can cover the cost of an evacuation to the nearest hospital in the event of an emergency.

In addition to these required benefits, Squaremouth recommends a comprehensive travel insurance policy that includes other benefits for the most common travel insurance concerns. Primarily, this includes Trip Cancellation coverage and Medical Evacuation coverage.

For travelers who are concerned about losing their prepaid trip expenses if they need to cancel their trip to Turkey, Squaremouth recommends insuring these costs through the Trip Cancellation benefit. This benefit can reimburse 100% of a traveler’s prepaid and non-refundable trip costs if they need to cancel for a covered reason, such as not being able to travel because they are sick with Covid-19 or another illness.

Click here to begin your search for Turkey Travel Insurance.

Turkey Travel Insurance Trends and Data

Beautiful beaches, luxury resorts, and well-known cities like Istanbul have placed Turkey among the world’s most popular destinations.

Destination Rank: 35

Percentage of Squaremouth Sales: 0.76%

Average Premium: $266.51

Average Trip Cost: $3,764.92

Squaremouth Analytics compares thousands of travel insurance policies purchased pre- and post-pandemic to identify changes and trends in the travel insurance industry.

Helpful Resources

• Go Turkey Tourism
• Visit Turkey

Available Topic Experts for Media:

Squaremouth's destination information is free and available for use within your reporting. Please credit Squaremouth.com for any information used.

Squaremouth's topic experts are on hand to answer your questions. Contact a member of our team for media inquiries about Squaremouth Analytics or to schedule an interview.

Steven Benna, Lead Data Analyst: [email protected]

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exploremoreturkey

Explore More of Turkey

How Does Travel Insurance Work In Turkey?

Planning a trip to Turkey? Then it’s essential to understand how travel insurance works in this beautiful country. When it comes to safeguarding your travel experience, travel insurance plays a crucial role in providing financial protection and peace of mind. Whether you encounter unexpected medical expenses, trip cancellations, or lost luggage, travel insurance can be your saving grace. In this article, we will explore how travel insurance works in Turkey , ensuring that you have all the necessary information to protect your trip and make the most out of your vacation.

Table of Contents

What is Travel Insurance?

Travel insurance is a type of insurance coverage that provides financial protection and assistance in case of unexpected events or emergencies that may occur while you are traveling. It is designed to help mitigate the financial risks and provide peace of mind during your trip. Travel insurance typically covers a range of issues such as medical emergencies, trip cancellation or interruption, lost baggage, emergency evacuation, and personal liability.

Importance of Travel Insurance

Protection against medical emergencies.

One of the most important reasons to have travel insurance is to protect yourself against unexpected medical emergencies while traveling in Turkey. Medical expenses can be exorbitant, especially in foreign countries. Travel insurance can cover the cost of medical treatment, hospitalization, and even emergency medical evacuation if needed. It ensures that you have access to quality healthcare without worrying about the financial burden.

Coverage for trip cancellation or interruption

Sometimes, despite careful planning, unforeseen circumstances may arise, leading to the cancellation or interruption of your trip. Travel insurance can reimburse you for the non-refundable expenses such as flights, accommodation, or tour reservations if you have to cancel your trip due to a covered reason. It also provides coverage if your trip is cut short and you need to return home urgently.

Compensation for lost or delayed baggage

Losing your baggage or having it delayed can be a stressful experience, especially when you are far away from home. Travel insurance can provide compensation for the loss or delay of your baggage, ensuring that you have the necessary funds to replace essential items and continue your trip smoothly.

Assistance for emergency evacuation

In the unfortunate event of a natural disaster, political unrest, or any other threatening situation, travel insurance can arrange and cover the cost of emergency evacuation. This ensures your safety and well-being, as you will be transported to a safer location or back to your home country if necessary.

Coverage for personal liability

Travel insurance can also protect you from personal liability claims. If you accidentally cause damage to someone’s property or cause injury to another person while traveling in Turkey, travel insurance can cover the legal expenses and compensation. This coverage provides peace of mind and protects your financial well-being in such situations.

Types of Travel Insurance Available in Turkey

Single-trip travel insurance.

Single-trip travel insurance is designed for individuals who are planning to take a one-time trip. It provides coverage for a specific duration, typically from the start date of your trip until the end date. This type of insurance is ideal for people who travel occasionally or have a specific trip planned.

Annual Multi-Trip Travel Insurance

If you are a frequent traveler or plan to take multiple trips within a year, annual multi-trip travel insurance may be the most cost-effective option for you. This type of insurance provides coverage for an unlimited number of trips within a year, as long as each trip does not exceed the maximum duration specified by the insurance provider.

Group Travel Insurance

Group travel insurance is designed for groups of people traveling together, such as families, friends, or business colleagues. It provides coverage for the entire group, which can be more convenient and cost-effective compared to purchasing individual travel insurance policies for each person.

Specialized Travel Insurance Plans

In addition to the standard types of travel insurance, there are also specialized travel insurance plans available in Turkey. These plans cater to specific needs or activities, such as adventure sports, long-term travel, or travel for elderly individuals. It is important to choose a plan that aligns with your specific requirements to ensure adequate coverage.

Choosing the Right Travel Insurance Plan

Choosing the right travel insurance plan is essential to ensure that you have the necessary coverage for your trip to Turkey. Here are some factors to consider when selecting a plan:

Determine your specific needs

Evaluate your travel plans and identify the specific risks or concerns you may have. For example, if you are planning to engage in adventure activities, make sure the insurance plan covers such activities. Consider factors such as trip duration, destination, and the level of coverage required.

Compare coverage and benefits

Review the coverage and benefits offered by different travel insurance plans. Look for coverage limits, exclusions, and any additional benefits that may be relevant to your trip. Ensure that the plan covers a wide range of potential risks and emergencies.

Consider the cost

While cost should not be the sole determining factor, it is important to consider the affordability of the travel insurance plan. Compare the premiums of different plans and ensure that you are getting adequate coverage for the price you are paying.

Evaluate the insurance provider

Research and assess the reputation and reliability of the insurance provider. Look for customer reviews and ratings to gauge the level of customer satisfaction. It is crucial to choose a reputable insurance company that has a good track record in handling claims and providing assistance.

Coverage and Benefits of Travel Insurance in Turkey

Travel insurance in Turkey typically offers a comprehensive range of coverage and benefits. Here are some common coverage areas:

Medical expenses and hospitalization

Travel insurance covers the cost of medical treatment and hospitalization in case of illness or injury during your trip to Turkey. It includes expenses such as doctor’s visits, medications, surgeries, and other necessary medical procedures.

Emergency medical evacuation

In case of a medical emergency that requires immediate evacuation to a medical facility or back to your home country, travel insurance can cover the cost of transportation , including air ambulance services. This ensures that you receive the necessary medical care in a timely manner.

Repatriation of remains

In the unfortunate event of death during your trip, travel insurance can cover the cost of repatriating your remains to your home country. This provides peace of mind to your loved ones and ensures that your final arrangements are taken care of.

Trip cancellation or interruption

Travel insurance reimburses you for the non-refundable expenses if you have to cancel your trip before departure or if your trip is interrupted and you have to return home early. This can include expenses such as flights, accommodation, tour reservations, and other prepaid expenses.

Baggage loss or delay

If your baggage is lost, stolen, or delayed during your trip to Turkey, travel insurance can provide compensation to replace essential items or cover the cost of purchasing necessary personal belongings . This coverage ensures that you can continue your trip without unnecessary inconvenience.

Personal liability coverage

Travel insurance protects you from personal liability claims in case you accidentally cause damage to someone’s property or injure another person. It covers the legal expenses and compensation, safeguarding your financial well-being.

Legal assistance

If you encounter legal issues during your trip in Turkey, travel insurance can provide access to legal assistance and cover the associated legal expenses. This can be particularly useful in unfamiliar legal systems and ensures that you have the necessary support and guidance.

Emergency assistance services

Most travel insurance plans offer emergency assistance services, which are available 24/7. These services can help with a range of situations, including medical emergencies, emergency evacuation, travel arrangements, translation services, and other urgent needs. Having access to these services can be invaluable during a difficult situation.

Exclusions and Limitations of Travel Insurance in Turkey

While travel insurance provides coverage for a wide range of risks, there are certain exclusions and limitations that you should be aware of. Here are some common exclusions often found in travel insurance policies in Turkey:

Pre-existing medical conditions

Most travel insurance policies exclude coverage for pre-existing medical conditions. This means that if you have a pre-existing condition, any related medical expenses will not be covered under the policy. It is important to disclose any pre-existing conditions when purchasing travel insurance to ensure that you are aware of the limitations and seek suitable coverage alternatives if necessary.

High-risk activities

Certain high-risk activities such as extreme sports, skydiving, or mountaineering may be excluded from coverage or require additional premiums. It is crucial to read and understand the policy terms and conditions to know which activities are covered and make appropriate arrangements for specialized coverage if needed.

Non-medical expenses

Travel insurance primarily provides coverage for medical emergencies and related expenses. Non-medical expenses such as lost or stolen personal belongings, travel delays, or travel inconvenience may be subject to specific limits or exclusions. It is important to review the policy carefully to understand the coverage provided for non-medical expenses.

Acts of terrorism or war

Travel insurance may exclude coverage for losses or injuries resulting from acts of terrorism or acts of war. These events are typically considered unpredictable and beyond the control of the insurance company. It is advisable to check the policy terms and conditions regarding coverage in such situations.

Unapproved travel destinations

Certain travel insurance policies may exclude coverage for travel to high-risk or dangerous destinations. It is important to verify whether your intended travel destination is covered under the policy before purchasing travel insurance. If your destination is not covered, you may need to consider alternative options or specialized coverage for that specific location.

Alcohol or drug-related incidents

Travel insurance policies generally exclude coverage for losses, injuries, or accidents related to alcohol or drug abuse. If you engage in risky behavior under the influence of alcohol or drugs, any resulting claims may be denied. It is important to exercise caution and act responsibly during your trip to Turkey.

How to Make a Travel Insurance Claim in Turkey

In case you need to make a travel insurance claim in Turkey, here are the general steps to follow:

Contact the insurance provider

Notify your insurance provider as soon as possible about the incident or emergency that requires you to make a claim. Follow their instructions and provide all the necessary details regarding your trip, policy, and the nature of the claim.

Gather and submit necessary documents

Collect all relevant documents to support your claim. This may include medical reports, police reports, receipts, proof of travel, and any other documentation required by the insurance provider. Ensure that you keep copies of all documents for your reference.

Follow the claims process

Each insurance provider has its own claims process that you will need to follow. This usually involves completing a claim form and submitting it along with the necessary documents. Be sure to comply with all the requirements and deadlines set by the insurance company.

Keep track of communication and updates

Maintain clear and organized communication with the insurance provider throughout the claims process. Keep records of all interactions, including emails, phone calls, and any updates or instructions provided by the insurance company. This will help you stay informed and ensure that your claim is processed efficiently.

Tips for Using Travel Insurance in Turkey

To make the most of your travel insurance coverage in Turkey, here are some helpful tips:

Understand your policy coverage

Before your trip, thoroughly review your travel insurance policy to understand the coverage, exclusions, and limitations. Familiarize yourself with the claims process and emergency contact information. This will ensure that you know what to expect and how to proceed in case of an emergency.

Carry important documents with you

Make sure to keep copies of your travel insurance policy, emergency contact numbers, and other relevant documents with you during your trip. This will allow you to access the necessary information quickly in case of an emergency or when making a claim.

Save contact information for emergency services

Take note of the local emergency services contact numbers in Turkey, such as ambulance, police, and fire department. Save these numbers in your phone or have them easily accessible. In case of an emergency, you will be able to contact the relevant authorities promptly.

Inform the insurance provider in case of emergencies

If you encounter a medical emergency or any other situation that may result in a claim, contact your insurance provider as soon as possible. Keep them informed about the situation and follow their instructions regarding medical treatment, documentation, and any other required steps.

Follow safety guidelines and local laws

To minimize the risk of accidents or incidents during your trip, follow the safety guidelines recommended for your destination in Turkey. Familiarize yourself with local laws and customs to ensure that you act in a way that complies with local regulations and avoids any unnecessary risks.

Frequently Asked Questions about Travel Insurance in Turkey

Is travel insurance mandatory in turkey.

No, travel insurance is not mandatory in Turkey. However, it is highly recommended to protect yourself against unexpected expenses and emergencies during your trip.

How much does travel insurance cost in Turkey?

The cost of travel insurance in Turkey varies depending on various factors such as your age, trip duration, destination, and coverage limits. It is advisable to obtain quotes from different insurance providers to compare prices and coverage options.

What is the maximum coverage offered by travel insurance in Turkey?

The maximum coverage offered by travel insurance in Turkey depends on the insurance provider and the specific policy. Coverage limits may vary for different aspects, such as medical expenses, trip cancellation, baggage loss, and personal liability. It is important to select a policy that provides adequate coverage for your specific needs.

Does travel insurance cover adventure activities?

Some travel insurance policies include coverage for certain adventure activities, while others may exclude them or require additional premiums. It is crucial to read the policy terms and conditions to identify the activities that are covered and ensure that you have the appropriate coverage if you plan to engage in adventurous pursuits.

Can I get travel insurance for pre-existing medical conditions in Turkey?

Most travel insurance policies exclude coverage for pre-existing medical conditions in Turkey. However, it is possible to find specialized travel insurance plans that offer coverage for pre-existing conditions or provide optional add-ons for such coverage. It is important to disclose any pre-existing conditions and discuss your options with the insurance provider.

Travel insurance is an essential investment when planning a trip to Turkey. It provides crucial financial protection and assistance in case of unexpected events or emergencies. From medical expenses to trip cancellation, lost baggage, and personal liability, travel insurance offers comprehensive coverage and ensures peace of mind while you explore the beautiful attractions of Turkey. By understanding your specific needs, comparing coverage options, considering the cost, and evaluating insurance providers, you can choose the right travel insurance plan and make the most of its benefits. Remember to familiarize yourself with the coverage, exclusions, and claims process, and follow the necessary steps when making a claim. By following safety guidelines, carrying important documents, and informing your insurance provider in case of emergencies, you can have a worry-free and enjoyable travel experience in Turkey with the protection of travel insurance.

Related posts:

• What Role Does Coffee Play In Turkish Society?
• How Does Turkish Cuisine Vary By Region?
• How Does Turkish Tea Differ From Other Teas?
• What Are The Best Resources For Up-to-Date Travel Alerts For Turkey?
• How To Ensure Your Safety During Adventure Travel In Turkey?
• What’s The Most Efficient Way To Travel Between Cities In Turkey?

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Travel Insurance for Turkey 

Turkey straddles the border between Asia and Europe, showing visitors the best of both continents. It’s a fusion destination where east meets west, particularly in the city of Istanbul, which is the largest city in the world to span two continents. The native language is Turkish and the country has its own currency known as Turkish Lira.

Whether you love ancient history, culinary adventures or geological wonders, Turkey is a location that will capture your heart and mind. History enthusiasts fall in love with the Roman and Ottoman ruins around Bodrum and Side, while sun worshipers love the Mediterranean coastline in Marmaris and Lara Beach. The country’s even a haven for golf enthusiasts; Belek is home to almost 20 different courses, including ones designed by Sir Nick Faldo and Colin Montgomerie.

Turkey’s ideally suited to any pace of holiday and you’re sure to fall in love with the country’s unique charms during your stay. But before you set off, you'll need to choose a travel insurance policy that provides adequate cover.

Below is some more information about our insurance products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

Why may I need travel insurance for Turkey? 

Turkey is largely considered to be a safe country to visit by the Foreign, Commonwealth and Development Office, although there are still certain risks you should be aware of. For example, the country has a lot of stray animals, particularly cats and dogs. In the coastal resorts, they sometimes come up to tourists. But even if they look cute, it’s better to stay away; they could be carrying diseases like rabies, or parasites such as fleas.

In large cities like Istanbul, pickpockets also operate, so you need to be careful and guard your belongings closely. If your possessions are stolen, our European travel insurance could help you to replace them.

In addition, some areas of Turkey are prone to earthquakes and tremors, so make sure you’re fully aware of the safety and emergency procedures before arriving.

Finally, the  Foreign, Commonwealth and Development Office  also advises against travelling to areas within 10 kilometres of the Turkish border with Syria due to ongoing military tensions. If you visit these areas, your policy could be invalid. Please read your  policy documents  carefully to ensure you understand the exclusions that apply to our travel insurance for Turkey.

Healthcare for visitors in Turkey 

Turkey isn’t part of the Eurozone, so neither your European Health Insurance Card (EHIC) nor your Global Health Insurance Card (GHIC) will cover the cost of any medical expenses if you fall ill or suffer an injury while you’re away. This makes travel insurance for Turkey vitally important, because it’ll help ensure you’re not out of pocket if something goes wrong.

You should also consult your doctor 6-8 weeks before you travel, to get advice on which vaccinations you’ll need for Turkey. According to the National Travel Health Network and Centre (NaTHNaC) , it is recommended that travellers get vaccines for Hepatitis A and Tetanus, and some travellers may require Hepatitis B, Rabies and Typhoid immunisations too.

If you need help or support while you’re in Turkey, we can provide 24-hour emergency medical assistance and a GP consultation service . We also have a legal helpline for our policyholders. For contact information, and to find out if any exclusions apply, please consult your policy documents . 

What do we cover? 

• Cancelling or curtailing your trip
• Emergency medical and associated expenses
• Loss of passport*
• Delayed personal possessions
• Lost, stolen or damaged personal possessions*
• Loss of personal money*
• Personal accident cover
• Missed departures
• Delayed departures
• Personal liability
• Legal expenses
• End-supplier failure**
• *Not available with Bronze level cover
• **Only available with Gold level cover
• Terms and Conditions apply.  

Frequently Asked Questions

British citizens heading to Turkey for business or pleasure are able to do so without the need for a visa. This applies for visits of up to 90 days within any 180-day period.

If you are planning to stay longer than 90 days, then you will need to apply for a long stay visa before you travel, or require a residence permit if you are planning a more permanent move before your 90-day stay comes to an end.

If you need a visa for your trip to Turkey, we recommend that you get an e-visa online. You should apply at least 48 hours before you travel, but you can do it up to three months in advance [1].

In case you experience any technical problems at the port of entry, we also recommend that you carry a printed copy of your e-visa with you, or have an electronic copy on your smartphone or tablet.

More information about visa for Turkey can be found on the UK government website and should you need to apply for a Turkish visa then you can do so via the official Turkish Ministry of Foreign Affairs website .

[1] Source:  Gov.UK

The amount you pay for your holiday insurance to Turkey will depend on a number of factors, including your age and duration of your stay. If you have a pre-existing medical condition, this will affect your eligibility for cover.

If you’re travelling to Turkey; get a quote online to find out how much insurance for your trip could cost.

When getting a quote online, you’ll need to tell us some basic information about you and your trip, so that we can provide you with a fair quote. 

All prices we quote include Insurance Premium Tax (IPT).

Terms and conditions apply.

Additional types of cover to consider for your trip to Turkey

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• Travel insurance for Turkey

A trip to Turkey offers toasty beaches and tourist treats aplenty. No wonder it’s so popular with holidaymakers from the UK and elsewhere.

If you’re making the journey, make sure you know what to expect in terms of the local culture, access to healthcare, potential risks to watch out for, and why having travel insurance is important.

Travelling to Turkey?

Turkey has one of the most fascinating histories of any country worldwide, with a myriad of ancient civilisations having called it home as well as a vibrant and diverse contemporary culture.

It has something for everyone, from shimmering beaches to bustling cities; remote and historic settlements to modern shopping. Its unique cuisine, spellbinding architecture, colourful bazaars and abundance of history have made it one of Brits’ favourite holiday destinations.

Before jetting off to see its many sights, make sure you’re aware of the reasons you need adequate travel insurance for Turkey.

The currency of Turkey is the Turkish lira . Before you travel, make sure you have enough of the currency in notes. Or alternatively you can load it onto a prepaid travel money card , for easy access to your holiday cash while you're away.

Protect what matters when you go with good travel insurance

Healthcare for brits in turkey.

You will need to have holiday insurance with good medical cover to ensure you’re not out of pocket if something should go wrong.

You may need to get certain travel vaccinations before visiting Turkey, so make sure to see your doctor at least 6 weeks before travelling.

Turkey has an abundance of stray animals, particularly cats and dogs. While the cat that jumps onto your café table may seem cute, animal-borne diseases like rabies and parasites such as fleas are present in Turkey, so it’s better to stay away.

If you suffer a medical emergency, dial 112 to request an ambulance. Be sure to alert your travel insurance company as soon as this happens.

Travel risks in Turkey

The political climate in Turkey was very tense for a while following a failed coup attempt in 2016 by groups hostile to President Erdogan. These tensions culminated in general and parliamentary elections in 2018. The situation has since calmed and a state of emergency imposed after the coup attempt has been lifted, though some restrictions remain in place.

The Foreign, Commonwealth and Development Office (FCDO) page for Turkey advise staying away from demonstrations. The south east of the country borders Syria and Iraq, and the FCDO advise against any travel to this area. There is also a list of the provinces where terrorism and hostage taking are most likely.

Regional considerations

Istanbul is one of the most popular destinations for holidaymakers travelling to Turkey. It’s a what’s-what of historical monuments and areas, with the Hagia Sophia, the Grand Bazaar, the Sultan Ahmed Mosque , Topkapi Palace, the Basilica Cistern and Istiklal Avenue to name a few. No wonder it’s a big draw for tourists.

But as is often the way with populated areas, pickpocketing can occur. To make sure you’re staying safe when you’re on the move, follow the advice in our guide to avoiding holiday scams . If you’re visiting one of Turkey’s many beautiful beach resorts, then take care to protect your valuables by following these simple tips for protecting valuables on beaches .

There are regions of Turkey that the FCDO advises against travelling to, located in the south, southeast and east of the country. Consult their page for details. Your holiday insurance may be invalid if you travel to these areas.

Turkish culture

Turkey has become a more conservative country in recent years, however is still a largely secular and liberal place. Always be respectful of local customs, such as wearing appropriate clothing and covering up when visiting mosques or religious sites.

It is an offence to damage Turkish currency or be disrespectful to the Turkish nation and its flag and can come with heavy penalties. If in doubt, try not to engage in political discussion and be careful about voicing thoughts that might be considered as insulting or offensive.

Turkish culture is very sociable and you shouldn’t be concerned by people wanting to engage you in conversation. Food, coffee and tea are great ways to find out about Turkish social life, as well as more unconventional experiences like Hammams (traditional Turkish baths).

Turkey is keen to become a cashless culture, however it’s wise to have a ready supply of Turkish lira for street vendors and cafés. You can also take a prepaid travel money card , which gives you the freedom to pay by cash or card and helps you budget too, since you can't spend more than you have loaded onto it.

Is travel insurance mandatory for Turkey?

Having travel insurance for Turkey isn’t compulsory but it can provide welcome reassurance if something goes wrong on your trip – from delays and cancellations to lost or stolen luggage or the need to seek emergency medical treatment and more.

With the right level of cover in place, you’ll be able to claim back expenses or losses you incur from accidents, illness, theft and travel disruptions. It can also give you access to emergency assistance if you’re faced with any such issues.

Always check what you are covered for, as different travel insurers will have different exclusions. Adventure activities like pony-trekking, scuba-diving, surfing and cycling might not be covered – or only be covered in certain circumstances. Taking a copy of your holiday insurance policy with you means you can check spontaneous activities before deciding to participate in them, and it will have all of the important contact details in case something goes wrong.

Is Turkey covered by European travel insurance?

This can vary by travel insurance provider. Some, including Post Office Travel Insurance , class Turkey as part of Europe in their policies even though it’s not part of the European Union. Others consider it outside Europe, including it in their worldwide cover instead. Whichever provider you go with, make sure you check to be sure.

Make the most of your holiday

Whether you’re getting stuck into Turkey’s ancient cultural heritage or simply enjoying the reliably brilliant weather, we want you to have a great time. By following good travel advice and doing a bit of preparation, you can relax and make the most of your holiday.

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What Is Single-Trip Travel Insurance And When Should You Use It?

Travel insurance can often feel like an unnecessary travel expense. You might ask yourself: What's the worst that can happen? Maybe you skip the available insurance options when booking your flight, hotels, and outings. To be honest, most of the time, everything will be fine, but that's when nothing goes wrong. When nothing goes right, you'll wish you had read this article before your big trip! Luckily, you're here now and can prepare for the future.

So what is single-trip travel insurance? This is a type of travel insurance you can purchase for a single trip where you leave home, go on your trip (to one or multiple destinations), and then return home, usually within a limited period of time. Depending on the insurance you buy, it will cover a variety of issues, including trip delays and cancellations, medical expenses, and more. But always be sure to read the fine print.

What Single-Trip Travel Insurance Covers And Doesn't Cover

As we mentioned, most single-trip insurance plans will cover claims for problems you encounter on your trip that lead to serious and excessive expenses. This can be flight cancellations, missing baggage , hotel stays if you get stuck somewhere overnight, car rentals, and even medical expenses if you get injured or fall ill. This can be a huge relief if you've spent a ton of money on a trip -- say, a destination wedding or a big family vacation -- and are worried about plans falling through or being ruined due to a single flight delay or a lost bag with a wedding dress in it! While you may not get the dress back in time or maybe even at all, at least you'll get some monetary compensation.

When it comes to medical expenses, though, be aware that some insurance plans won't cover you if you have pre-existing conditions or take part in dangerous activities such as skydiving or even SCUBA diving. Additionally, insurance won't accept claims for issues that you could have avoided. For example, if you buy a plane ticket the day a hurricane is supposed to land and your flight gets canceled, your insurance claim probably won't be accepted.

When You Should Buy Single-Trip Travel Insurance

Most travel insurance will cost between 4% and 10% of the cost of the trip. So if you spend $10,000 on your big two-week honeymoon to Tahiti, expect to pay between $400 to $1,000 for insurance. For such a big trip, this is a small price to pay for peace of mind that, should anything happen, you'll be covered. You might also want to consider buying Cancel for Any Reason (CFAR)  insurance which might be a good idea for more expensive trips.

In general, though, travel insurance can also cover trip cancellations in the event that a non-traveling family member is hospitalized or passes away. Insurance may also cover unforeseen weather or natural disasters at home or at the destination. So, if you're traveling during a shoulder season -- let's say the end of the rainy season in the Caribbean -- the weather can be unpredictable. This might be one more reason to buy travel insurance.

All in all, travel insurance is never a bad idea. Consider the cost of buying the add-on insurance you see offered by airlines, hotel booking sites, and car rentals . Bundling these together under one insurance plan might just save you time, money, and stress!

Read this next: It's Time To Ditch These 10 Outdated Travel Tips

Key benefits of travel medical insurance

• Travel medical insurance coverage
• Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

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• Travel medical insurance covers unexpected emergency medical expenses while traveling.
• Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
• If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens. 

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa. 

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

• Hospital room and board
• Inpatient/outpatient hospital services
• Prescription Drugs
• COVID-19 treatment
• Emergency room services
• Urgent care visits
• Local ambulance
• Acute onset of pre-existing conditions
• Dental coverage (accident/sudden relief of pain)
• Medical care due to terrorist attack
• Emergency medical evacuation 
• Repatriation of mortal remains
• Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks. 

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare. 

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company. 

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19. 

Still on the fence about whether or not medical travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation. 

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage. 

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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