Covid-19 - what our travel insurance covers
Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.
What we cover
We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.
We'll cover you if:
- you were diagnosed with Covid-19 before your trip was due to start
- a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
- you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
- an insured person or a close relative died during the trip because of Covid-19
- you couldn't take part in an excursion due to you self-isolating after getting Covid-19
What we don’t cover
You won't be covered if:
- you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
- any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
- you have to quarantine after arriving in the UK or abroad
- the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19
For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page. And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.
Holiday Insurance to Turkey
With almost six months of summer in the south, Turkey has long been a favourite of British sunseekers who flock to the sandy beaches and crystal-clear waters of the Turkish Riviera.
The fascinating country has a rich history, perfect for curious holidaymakers who want to explore the old meets new of Istanbul and the country’s ancient ruins.
For those with a head for heights, Aladaglar National Park has become a popular choice for rock climbers, while walkers can tackle a whole host of trekking routes taking in the country’s mighty mountains and valleys.
With so many exciting adventures on offer, it pays to get the right travel insurance in place for a trip to Turkey – particularly if you need to access healthcare or medical treatment while you’re away.
Do I need travel insurance for Turkey?
Travel insurance isn’t compulsory, but it’ll cover you for emergency medical treatment and the unexpected things like:
- Cancelling or cutting your trip short
- Your personal belongings being stolen
- The airline losing your bags
Admiral has three levels of cover - Admiral, Admiral Gold and Admiral Platinum - so you can choose your cover based on your budget and needs. Plus you can choose Single Trip if you just want to cover one holiday, or annual cover which will protect you for multiple jaunts throughout the year.
No matter which you choose, all our policies cover:
Admiral |
Admiral |
Admiral |
|
|---|---|---|---|
Excess |
£100 | £75 | £50 |
Emergency medical treatment & repatriation (Limits up to) |
10M | 15M | 20M |
Cancellation or cutting short your trip (Limits up to) |
£1.5K | £3K | £5K |
Personal belongings (Limits up to) |
£1K | £2K | £2.5K |
Money & documents (Limits up to) |
£300 | £400 | £500 |
Read the full list of benefits in the policy summary booklet.
Is Turkey part of Europe?
For insurance purposes, we class Turkey as part of Europe. Our European Travel Insurance covers 50 countries, and stretches the boundaries of Europe to include places like:
- Egypt
- Morocco
- Tunisia
- Turkey
Some insurers may not class Turkey as part of Europe, so you’d need to look at their worldwide cover – make sure you check before buying your policy.
Despite Turkey being classed as Europe, the EHIC (European travel insurance card) and the new Global Health Insurance Card (GHIC) aren’t valid there so you’re liable to pay for any medical costs out of your own pocket if you don’t have travel insurance in place.
Do I need a visa for Turkey?
British citizens with a standard UK passport can travel to Turkey without a visa for 90 days during any 180 day period. If you plan to stay in the country for longer than 90 days, a Short Term Residence Permit will be needed. These can be applied for from the Turkish Provincial Directorate of Migration Administration
British citizens with a different type of British nationality (e.g British Overseas Citizen) will need to apply for an e-visa from the Turkish E-Visa website before travelling, as these passports are considered “Special Passports” .
Is it safe to travel to Turkey?
Despite years of political uncertainty and terrorist attacks (as recently as 2017) in the south and east of the country, as well as Ankara and Istanbul, millions of Brits continue to flock to Turkey every year.
In 2018, Brits made 2.3million visits to the country, most of which are trouble free, according the Foreign, Commonwealth and Development Office (FCDO).
There is, at the time of writing (March 2019) advice against travel to areas within a 10km border with Syria. The FCDO also advises against all but essential travel to:
- All other areas of Sirnak, Mardin, Kilis (including Kilis city) and Hatay provinces
- Provinces of Diyarbakir, Tunceli and Hakkari
You won’t be covered by Admiral Travel Insurance if you visit a country that the FCDO has advised against ‘all travel’ or ‘all but essential travel’.
What if I have a pre-existing condition?
A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.
You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.
Your pre-existing conditions won’t be covered unless you’ve:
- Declared them all on your policy
- Received written confirmation that we’ll cover your medical condition
- Paid any additional premium in full
Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.
If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.
For a quote with us, click the green button above.
The MoneyHelper directory
If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.
If you wish to get in touch with them you can call them on 0800 138 7777 or find them online. (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)
Your questions answered
Is terrorism covered?
Terrorism is excluded from all sections of the policy except for the Emergency Medical and Repatriation, Personal Belongings, Personal Accident and Hijack sections (where cover is provided as part of the platinum tier only).
Terrorism is any act or threat of action by a person or group intended to influence a government or to frighten the public or any section of it.
Acts of terrorism can include:
- violence against a person
- damage to property
- putting life in danger
- creating a health risk to the public
- interfering with or seriously disrupting computer systems or transport services including cyber terrorism
- biological, chemical or nuclear force or contamination
Do I need vaccinations for Turkey?
The NHS Fit For Travel website recommends checking your primary courses and boosters are up-to-date, including a tetanus. You could also consider vaccinations against Hepatitis A, Hepatitis B, and rabies for your trip to Turkey. For more information, read our guide to travel vaccinations.
Is the GHIC/EHIC valid in Turkey?
No, the GHIC and EHIC don’t work in Turkey so you’ll need travel insurance in place or enough money to cover the cost of any medical treatment you receive.
Can you travel to Turkey with three months left on your passport?
The Turkish government advises you should have at least six months validity on your passport when you travel to Turkey. You should also have a full blank page for the entry and exit stamps.
Read more about Turkey’s entry requirements: Travelling to Turkey? Don’t forget your e-Visa.
Does travel insurance cover me for travel to Turkey with a pre-existing condition?
You can travel to Turkey with pre-existing conditions if you declare them when you’re buying your travel insurance. Find out more about travelling with medical conditions.
Getting the most out of your trip
Going anywhere nice?
Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.
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