Travel Insurance for Turkey: What to Know Before You Travel

Turkey is outside the European Union, which means the EHIC (European Health Insurance Card) and its post-Brexit replacement, the GHIC, are not valid here. If you’re a UK or EU resident and you need emergency medical care in Turkey, you’ll be paying privately — and private hospital rates in Istanbul or Antalya are not cheap.

Travel insurance isn’t optional for Turkey. It’s necessary. Buy your policy before you book flights to Turkey — cancellation cover only applies from the date of purchase.

Healthcare in Turkey

The quality of healthcare varies significantly by location. In Istanbul, there are several excellent private hospitals: Acibadem and American Hospital are both internationally accredited, staffed by English-speaking doctors, and equipped to handle serious emergencies. Antalya, Izmir, and Bodrum also have competent private facilities in the city centres.

Outside major tourist areas, things change. Smaller towns in eastern Turkey, mountain regions, and rural areas have public hospitals only, with limited English and older equipment. For anything serious, evacuation to Istanbul or a neighbouring country may be required.

Evacuation costs — air ambulance, medical escort — can reach tens of thousands of pounds. The cost of a local hospital visit in Turkish lira may look affordable. The cost of getting you home safely does not.

What to Look for in a Policy

A solid policy for Turkey should include:

• Medical cover of at least £2–5 million — standard on most reputable policies
• Emergency evacuation and repatriation — critical given the distance from western Europe
• 24-hour emergency assistance line with English support
• Trip cancellation and curtailment — useful if you need to return home early
• Lost or stolen baggage — petty theft can happen in busy areas like the Grand Bazaar and tourist crowds

Activities That Need Checking

Standard travel insurance does not automatically cover all activities. If you’re planning any of the following in Turkey, verify that your policy includes them:

Hot air ballooning in Cappadocia is one of the most popular experiences in Turkey. It is also classified as an aerial activity by most insurers. Some standard policies include it; many exclude it. Check before you book.

Scuba diving in the Mediterranean and Aegean — around Kaş, Bodrum, and Marmaris — is another activity that may require an add-on or specialist policy, particularly if you’re diving beyond recreational depth limits.

Hiking the Lycian Way (between Fethiye and Antalya) or trekking in the Kaçkar Mountains (northeast Turkey) counts as trekking above a certain altitude on many policies. These remote areas are also worth planning transport logistics for in advance — road coverage is patchy and car hire is the most practical option. Most policies cover moderate hiking without issue, but check the altitude limit — the Kaçkars reach over 3,900m.

Skiing at Uludağ (near Bursa) or Palandöken (near Erzurum) usually requires a winter sports add-on.

EKTA Travel Insurance

EKTA is a specialist travel insurance provider available through Travelpayouts. Policies cover medical emergencies, trip cancellation, baggage, and repatriation. You can get a quote tailored to your trip length, destination, and planned activities.

Get a quote from EKTA before departure.

When to Buy

Buy your policy before you depart — ideally as soon as you book your flights. If you buy after booking, you’re covered for medical emergencies from the start, but cancellation cover (for events between purchase and departure) only kicks in if the policy is in place when those events occur. Buying early gives you the widest protection.

Pre-existing Conditions

If you have a pre-existing medical condition, disclose it when buying the policy. Failure to declare can invalidate a claim. Some conditions will be excluded; others will be covered at an additional premium. Compare options before assuming one policy fits all.