Norway Travel Insurance Requirements

Key Takeaways

• Our analysis shows that Travel Insured International, Tin Leg, and Generali offer the best travel insurance for Norway.
• Medical care in Norway is high-quality but costly for U.S. tourists, who lack international coverage, as domestic health insurance isn’t accepted. Combined with Trip Cancellation coverage, you can protect against health or travel financial risks for under $40 a day.
• For less than $6 a day, travel medical insurance can help you save thousands in case of an emergency or illness. We recommend at least $100,000 in Emergency Medical coverage.
• Adventure-heavy itineraries, like glacier hikes or Arctic cruises, need specialized coverage. Look for policies with at least $250,000 for Medical Evacuation coverage and the Sports & Activities benefit.
• Try our online travel insurance comparison tool to compare plans and prices from over 20 providers, or speak to an advisor toll-free at 800-240-0369.

Our Top Recommended Norway Travel Insurance Plans

1. Travel Insured International – FlexiPAX is designed for high-end travelers, providing customizable coverage for luxury cruises, multi-city tours, and five-star trips. Featuring high medical limits, optional Cancel For Any Reason (CFAR), and generous cancellation benefits, it’s ideal for those making significant upfront payments for premium experiences.
2. Tin Leg – Gold offers $500,000 in emergency medical and evacuation coverage, making it a premium option for luxury travelers to Norway’s fjords, Arctic cruises, or remote retreats. It includes coverage for over 250+ activities, cruise-specific protections, and high benefit caps—ideal for those investing significantly in their trips.
3. Generali Global Assistance – Standard offers reliable protection for travelers booking upscale accommodations, excursions, or tours. It combines essential trip protection with concierge services, identity theft resolution, and travel delay coverage, making it a smart choice for those seeking comfort and peace of mind while exploring Norway.

Do I Need Travel Insurance for Norway?

Travel insurance is not a requirement for U.S. passport holders entering Norway in 2025 for stays under 90 days. However, if you are applying for a Schengen visa or intend to stay longer, you must provide proof of travel health insurance with a minimum coverage of €30,000. Travel insurance is highly recommended because of the high cost of traveling to Norway, the average trip is almost $9,000 for 16 days, and traveling internationally is ripe for risks related to travel, health, and finances.

Reasons You May Need Travel Insurance for Norway

Medical Emergencies in Remote Areas

While Norway’s healthcare system is excellent and of a high standard, it’s not free for tourists or non-citizens. You could get seriously injured exploring the Lofoten Islands, the Arctic Circle, or rural fjord towns. You may need to be airlifted to a major hospital in a city like Oslo or Bergen, which can be expensive.

✅ Ensure your plan features a minimum of $100,000 in Emergency Medical coverage and $250,000 to $500,000 in Medical Evacuation, exceeding our typical guidelines. This level of coverage will provide security even in more isolated locations.

High-Value Travel Investments

Luxury train rides like the Flåm Railway, upscale Arctic cruises, and multi-stop Scandinavian itineraries can be expensive, averaging $8,582.47 for a 16-day trip. If you have to cancel due to illness or an emergency, the costs may not be refundable.

✅ Trip Cancellation insurance protects your investment in first-class flights, boutique hotels, and guided tours, reimbursing you for covered cancellations before your departure.

Fjord Cruises and Coastal Travel Risks

Whether enjoying luxury cruises through Geirangerfjord or embarking on Hurtigruten expeditions along Norway’s Arctic coast, unexpected delays, itinerary modifications, or missed ports because of weather or ship issues can disrupt a tranquil experience and significantly impact your budget.

✅ Choose a plan with Cruise Insurance benefits, which may cover missed port stops, prepaid shore excursions, itinerary changes, and emergency medical treatment at sea.

Mountain and Arctic Adventure Activities

A major attraction for tourists visiting Norway is its outdoor adventures, such as hiking to Trolltunga, skiing in Lillehammer, and snowmobiling in Svalbard. However, injuries incurred during these high-risk activities may not be automatically covered by standard insurance policies.

✅ Choose a plan with Adventure Sports coverage, which protects against injuries during activities like glacier hiking, dog sledding, snowshoeing, and fjord kayaking that are often excluded from standard policies.

Unpredictable Weather and Travel Delays

Storms, snow, and strong winds can lead to travel delays, canceled tours, or missed train connections, particularly when trying to enjoy a winter getaway. Considering the high cost of a trip to Norway, such disruptions may lead to lost deposits, last-minute cancellations, or rebookings, turning a luxury journey into a far pricier venture than planned.

✅ Travel Delay and Trip Interruption coverage can reimburse lodging, transportation, and prepaid activities when plans are unexpectedly interrupted.

More Details on the Best Travel Insurance for Norway

Travel Insured International

• Recommended Plan: FlexiPAX
• Emergency Medical: $100,000
• Medical Evacuation: $500,000
• Trip Cancellation: 100% of trip costs
• Best for flexible travelers, families, or those visiting multiple cities

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Tin Leg

• Recommended Plan: Gold
• Emergency Medical: $500,000
• Medical Evacuation: $500,000
• Trip Cancellation: 100% of trip costs
• Covers over 250+ sports and activities, including mountain biking, hiking, and rafting, to name a few

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Generali Global Assistance

• Recommended Plan: Standard
• Emergency Medical: $50,000
• Medical Evacuation: $250,000
• Trip Cancellation: 100% of trip costs
• Best for travelers seeking value and essential protection

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How Much Does Norway Travel Insurance Cost?

Over the past year, travelers booking travel insurance through Squaremouth for 16-day trips to Norway typically spent around $37.49 daily, amounting to an average total of $599.41 for a comprehensive travel insurance plan on a $8,582.47 trip.

Travel insurance can become considerably more affordable if trip cancellation isn’t a concern. These plans primarily emphasize medical evacuation and safety. For a 17-day trip, an option covers only medical needs, priced at just $5.66 per day, resulting in a total premium of $96.17.

What travel coverage do you need for Norway?

Trip cancellation and interruption insurance

Luxury fjord cruises, multi-stop rail journeys, adventurous tours and experiences like a Northern Lights tour, or hotels in cities like Oslo and Bergen are expensive commitments and usually require full payment when booking. If you need to cancel your trip for a covered reason, like a family emergency, injury, or airline strikes or issues, these benefits can help you be reimbursed for your non-refundable costs. Trip interruption can also help cover the costs of heading home early if you need to adjust your trip.

Cancel For Any Reason

When your itinerary features premium reservations and must-see activities, flexibility becomes essential. Whether you’re rethinking your plans due to shifting weather in Tromsø, personal issues, or simply not feeling up to the trip, Cancel For Any Reason coverage permits you to cancel for situations that standard travel insurance typically doesn’t address. Upgrading your plan with this option within 14 to 21 days (2-3 weeks) after making your trip deposit, you can recover up to 75% of your overall costs. CFAR coverage is highly recommended for travelers seeking flexibility in expensive trips, as it ensures financial recourse for reasons not covered by Trip Cancellation. Personal conflicts, travel conditions, or changing comfort levels could lead to significant losses. Still, CFAR can reimburse nearly 75% of your deposit, so for many travelers, it’s worth the extra cost for the premium.

Travel medical coverage

Norway’s excellent healthcare system is not free for tourists, and U.S. health insurance won’t cover the bill if you fall ill during a luxury rail trip through the mountains or have an accident while dog sledding in Svalbard, for example. That’s why having a travel medical policy with at least $100,000 in coverage ensures you won’t have to pay out of pocket for hospital visits, urgent care, or specialist treatment during your stay.

Medical Evacuation coverage

Luxury travel often takes explorers from urban areas to hidden retreats in the Arctic or coastal towns accessible only by ferry or small plane. In case of a severe injury or medical emergency in these remote spots, evacuation coverage ensures safe transport to the nearest quality medical facility, potentially costing tens of thousands of dollars. We recommend having at least $250,000 to $500,000 in evacuation coverage for isolated or expedition-like destinations.

Insurance for baggage and personal items

Baggage coverage is essential when traveling with high-end clothing, camera gear, or specialized luggage. Lost or delayed baggage on connecting flights throughout Europe, especially during winter weather delays, can significantly interrupt the start of your trip. However, this benefit reimburses any expenses incurred due to missing bags.

What Isn’t Covered by Norway Travel Insurance Plans?

Even the most comprehensive travel insurance policies have limitations. Understanding what’s not covered is as important as knowing what is covered, especially when planning a luxury or adventure-filled trip through Norway. Avoiding these common pitfalls can save you from dealing with denied claims and costly lessons.

High-Risk Activities Without Proper Add-Ons

Trekking the Inca Trail, zip-lining in the Sacred Valley, and sandboarding in Huacachina are popular adventures. However, insurers are likely to deny coverage for these activities as they are considered high-risk. Without proper coverage, you could be responsible for paying for emergency treatment or evacuation if you’re injured. Choose a plan that includes or allows for an Adventure Sports rider to ensure you stay protected. Activities involving altitude, speed, or wilderness may be excluded without this coverage.

Pre-Existing Medical Conditions Without a Waiver

Cold weather and physically challenging activities like snowshoeing or hiking to Trolltunga can worsen pre-existing health issues like asthma, high blood pressure, or heart disease. Therefore, we suggest including this benefit to ensure coverage for medical care related to these conditions. To qualify, purchase your policy within 14–21 days after your initial trip deposit. Options like IMG iTravelInsured Choice and Tin Leg Gold provide this benefit.

Accidents Involving Alcohol or Drugs

Whether you’re savoring aquavit in a cozy lodge or enjoying cocktails on a fjord cruise, remember that injuries or illnesses connected to alcohol or drugs may often be excluded from coverage. If an accident happens while you’re under the influence, you could be responsible for medical bills or evacuation costs, no matter how comprehensive your plan is.

Weather Events That Are Already Known

The weather in Norway can change rapidly, particularly during winter. If you buy insurance after a named storm or severe weather has been declared, you are unlikely to have coverage for any resulting delays or cancellations. Secure your plan early to prevent this, just like you plan your initial trip.

Tips for Finding the Best Travel Insurance for Norway

Use a Comparison Tool

Norway is a country of extremes, from icy fjords to Arctic cruises, luxury rail rides, and rugged mountain bikes. No one-size-fits-all travel insurance plan covers every experience or potential risk. Utilize Squaremouth’s comparison tool to sort plans based on coverage limits, medical needs, and activity preferences, and review prices from more than 20 highly rated providers.

Read the Fine Print

Many travelers believe their plans cover every scenario; however, exclusions are standard. For instance, if you’re considering a snowmobiling tour in the Arctic, a glacier hike near Jostedalsbreen, or a guided ski adventure in Hemsedal, ensure those activities are included in your coverage. Likewise, if you rent a car in Norway and fail to meet local licensing requirements or drive off-road, your insurance may not be valid in the event of an accident.

Consider Add-Ons for Flexibility or Activities

Norway combines luxury with adventure: unwind in boutique fjord hotels and enjoy thrilling activities like dogsledding or kayaking. Our suggested plans, such as Tin Leg Gold and Travel Insured FlexiPAX, include optional upgrades for Cancel For Any Reason (CFAR) or Adventure Sports coverage, ensuring you feel secure if your itinerary changes or if you’re engaging in more daring activities in secluded areas.

Plan for Weather and Travel Disruptions

Winter storms, strong winds, or ferry disruptions in Norway can cause unexpected changes to your itinerary, especially in northern or coastal areas. Plans with Trip Interruption and Travel Delay benefits can include coverage for missed trains, hotel stays, or prepaid Arctic activities if alterations are needed due to weather conditions during your trip.

Is Travel Insurance for Norway Worth It?

Definitely, from luxury cruises and first-class train journeys to glacier hikes and fjord kayaking, Norway is worth protecting. Travel insurance can safeguard your health, belongings, and itinerary for less than a gourmet dinner in Oslo, whether photographing the Northern Lights or enjoying a Michelin-starred meal, peace of mind is priceless.

FAQ: Norway Travel Insurance

Do I need travel insurance for Norway in 2025?

No, it’s not mandatory for U.S. citizens staying for less than 90 days. However, travelers needing a Schengen visa or peace of mind should carry valid coverage.

What is the best luxury travel insurance for Norway?

Travel Insured International – FlexiPAX is perfect for travelers on a luxurious Norwegian vacation. It offers high medical coverage, generous trip cancellation and interruption benefits, and customizable upgrades like Cancel For Any Reason (CFAR). Whether investing in a premium fjord cruise, a multi-city first-class itinerary, or exclusive Arctic excursions, FlexiPAX provides the flexibility and protection you need for a high-cost, once-in-a-lifetime trip. Also, Tin Leg Gold and Generali Standard are solid choices for travelers heading to Norway.

How do I buy Cancel For Any Reason coverage?

Choose a plan with CFAR as an optional upgrade, such as Travel Insured International’s FlexiPAX or the Tin Leg Gold plan. Remember, you must purchase CFAR within 14 to 21 days of making your initial trip deposit.

Will my U.S. Health Insurance Work in Norway?

While most U.S. health insurance plans, including Medicare, don’t provide coverage outside the country, you can find peace of mind knowing that international travel insurance is available when you need medical care or emergency assistance abroad.

What documents are required to travel to Norway?

U.S. citizens need a valid passport for entry; a visa isn’t required for tourism stays under 90 days.

Do I need a visa or passport to travel to Norway?

Yes, a valid passport is required. A visa is not needed for stays of less than 90 days. For more extended stays or non-U.S. travelers, a Schengen visa and proof of insurance may be necessary.

Does Norway require COVID insurance?

As of 2025, Norway does not require COVID-specific insurance; however, comprehensive travel medical coverage is still recommended.

What adventure activities are covered by travel insurance in Norway?

If your itinerary includes outdoor activities or physically demanding experiences, select a plan with Adventure Sports coverage because activities involving height, speed, or remote wilderness require this protection. The plans we recommend offer this protection, for example, Tin Leg Gold covers over 250 activities, including many popular options in Norway.