Turkey Says It’s Safe, But Travel Insurance Might Not Cover Trips

Open Jaw

After the recent coup attempt in Turkey, the Canadian government issued an advisory to avoid non-essential travel to the country. That’s not uncommon, but many Canadians may not realize that the official warning could negate their travel insurance coverage.

Robin Ingle, CEO of travel insurance provider Ingle International, told CBC News that travellers should make sure they know what they're getting themselves into. "Some will provide no coverage whatsoever if there's an incident like in Turkey or in Nice," he said. "They'll say 'stop, you know we're not providing coverage if there's a warning, and we're not gonna provide coverage at this time if there is trouble going on.' "

Moutaz Elkorashy of Calgary-based Citadel Tours told CBC that Canadians should keep a close eye on travel advisories. "No one is going to stop you from buying travel insurance, but always the debate: am I covered or am I not?"

Ingle says the other option is to cancel and get a refund, something he says most travel agencies and tour guides offer in their insurance packages. 

Turkey yesterday announced a 3 month state of emergency, which it says “consists of a package of measures to be applied within the framework of constitutional rules” that will allow the state “to combat the threat directed against citizens’ rights and freedoms.”

The Turkish government says the security measures will not affect the daily life of Turkish citizens or visitors. “The measures will not impose any limit on international travel movements and airline traffic. Our guests can confidently have a secure vacation in all of our destinations and there is no negative situation for this,” it said in a statement.

Meanwhile, TK said in a press release that all operations and flights are “proceeding uninterrupted and will continue to do so.”

The airline also made a clear statement on where it stands regarding the country’s leadership: “National flag carrier of Turkey Turkish Airlines, united with all of the heroic and honorable Turkish people in extraordinary efforts, played an important role to terminate the malevolent illegal attempt on the evening of 15th July 2016. The three-month state of emergency declared by our President HE Recep Tayyip Erdoğan is an action called in order to enable the Republic of Turkey take all necessary precautions.”


Karen Cullen - July 22, 2016 @ 11:07
Coverage will typically depend on the product purchased, benefits included, and date of purchase in relation to the travel advisory. As an example, if a plan with Trip Cancellation benefits that include “issuance of a government travel advisory for your destination” as a covered reason was purchased prior to the events in Turkey and the resulting government advisory, then a claim for Trip Cancellation will likely be eligible.

If this same product was purchased after the advisory was issued, then Trip Cancellation likely wouldn’t be covered, since the situation in Turkey was a known event at time of purchase. The best advice is to check with your travel insurance supplier to confirm how benefits for Trip Cancellation, Interruption, Delay and Medical apply for this and similar situations.

Brian Simpson - July 22, 2016 @ 11:07
So is this story saying that even if someone bought their trip and travel insurance months before the Canadian government issued the travel advisory, they still wouldn't be covered now?

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