Turbulence affects the performance of underwater wireless optical communications (UWOC). Although multiple scattering and absorption have been previously investigated by means of physical simulation models, still a physical simulation model is needed for UWOC with turbulence. In this paper, we propose a Monte Carlo simulation model for UWOC in turbulent oceanic clear water, which is far less computationally intensive than approaches based on computational fluid dynamics. The model is based on the variation of refractive index in a horizontal link. Results show that the proposed simulation model correctly reproduces lognormal probability density function of the received intensity for weak and moderate turbulence regimes. Results presented match well with experimental data reported for weak turbulence. Furthermore, scintillation index and turbulence-induced power loss versus link span are exhibited for different refractive index variations.