Does Europe Travel Insurance Cover Turkey? What to Know

Whether you're off to Istanbul, Ankara, or somewhere else, it's important that you have the coverage you need during your travels through Turkey.

That brings up a common question, though. Does European travel insurance cover Turkey? And what options are there to make sure you have the protection you need?

In this guide, we will talk about travel insurance for Europe, where it covers you, and how to ensure you have the protection you need when heading to Turkey.

Does Europe travel insurance cover Turkey?

Typically, no.

That said, a travel insurance policy that covers you in Europe may also cover you in Turkey.

Travel insurance policies cover travelers in specific places, and while terms like "European travel insurance" are often used on the market, the specific policy you choose still may not cover you everywhere in Europe - or Turkey, for that matter.

Different insurers, providers, and policies have different guarantees, and there isn't an industry standard. Though, generally speaking, Europe travel insurance doesn't include Turkey.

Some policies offer worldwide coverage - in that case, it's likely that you are covered both in Europe and Turkey, but that still isn't guaranteed.

The only way to know exactly where a policy covers you is to read its details, including the terms and conditions.

How to check if your policy covers you in Turkey

If you currently hold a travel insurance policy and you want to find out whether or not you're covered in Turkey, there are a couple of simple ways you can do it.

• Look at the terms and conditions of your policy. When you purchased your travel insurance, you should have received the terms and conditions. If you can't find them, you should be able to find them on the product page where you purchased your policy. While terms and conditions are notoriously lengthy, this really is the best place to look to get the most explicit information about your plan.
• Reach out to support. If you are having trouble finding the information in the terms and conditions or need some assistance, you can always reach out to the customer support team where you purchased your policy. They will be able to tell you where your policy covers you, as well as answer any questions you might have at that time.
• Look on the website you purchased through. Find the policy you purchased on the website you purchased it at. The product page should have all of the details you need to know, including terms and conditions that you can open and review.

How to make sure you're covered in Turkey

Whether you have found out that your current policy doesn't cover you in Turkey or you're still looking for the right plan for you, it's important to make sure that you're protected.

If your current policy doesn't cover you in Turkey

It doesn't mean you can't get coverage for Turkey, but it will likely come at an additional cost.

If you have read through the terms and conditions and discovered that you are not covered in Turkey, it can certainly be frustrating.

First, we recommend reaching out to the company you purchased your policy through. They will be able to tell you what your options are.

Another course of action is to purchase another policy specifically for your time in Turkey. Depending on what options are available to you, this might be the best route.

If you haven't purchased a policy yet

If you haven't purchased a policy yet but want to make sure it covers you in Turkey, you have options!

First, look for a policy with worldwide coverage, such as Mutuaide through Insurte. Worldwide policies will cover you anywhere you go (generally speaking; take note that there are always some exclusions). This is great if you're planning to travel through Europe and Turkey.

Whether you opt for a worldwide option or a more regional one, always check that you're covered in Turkey specifically and make sure the information is explicit. This might mean needing to reach out to support to verify if you don't see it in writing.

Where to buy travel insurance for Turkey

You can find comprehensive travel insurance that covers you in both Europe and Turkey at Insurte.

Mutuaide, when purchased through Insurte, provides travelers coverage through popular destinations in Europe as well as Turkey.

As mentioned above, all travel insurance policies have exclusions, so make sure to read the terms and conditions, as some countries may be excluded (such as countries in war, for example).

Mutuaide will cover you whether you're snapping photos at the Eiffel Tower in Paris or exploring the ancient sites of Istanbul and so many places in between.

With emergency medical (including repatriation), Covid-19 and epidemic coverage, search and rescue, legal protections, and more, Mutuaide provides comprehensive coverage, allowing you to travel with peace of mind and confidence.

Before you purchase travel insurance for Europe and Turkey:

• Thoroughly review the terms and conditions to make sure you are explicitly covered where you are going.
• Pay close attention to exclusions. Even worldwide policies have them.
• Make sure you have the coverage you want, such as Covid-19 or search and rescue.
• Compare and contrast policies to make the most educated decision.
• Take a look at Mutuaide through Insurte.
• If you're ever unsure, reach out to customer support for assistance.

FAQs: Europe travel insurance and Turkey