- The best travel insurances for Iceland
- Is it currently safe to travel to Iceland?
- Is travel insurance required for a visa to Iceland?
- Why take out travel insurance for Iceland?
- Travel insurance coverage for Iceland
- The cost of travel insurance for Iceland
- How can you pay less for your travel insurance to Iceland?
- Can I rely on my current insurance to cover me in Iceland?
- FAQ
- On the same topic
Travel insurance for Iceland: key takeaways
1. Definition: Travel insurance for Iceland covers medical emergencies, trip cancellation, and lost personal belongings.
2. Key protection: Insurance is not mandatory for US citizens, but it is highly recommended for financial protection.
3. Healthcare cost: Healthcare in Iceland is excellent but expensive; a hospital night can cost over $2,000.
4. Price: A one-week travel insurance plan for Iceland typically costs between $30 and $70.
5. Good to know: Ensure your policy covers adventure activities like glacier hiking, which are common in Iceland.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Iceland.
The best travel insurances for Iceland
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.0M | Ideal coverage for remote travel in Iceland. - highest medical limit - repatriation included - multi-risk pack |
| Cap Assistance 24/24 | $1.0M | Strong support if medical emergencies arise. - 24/7 worldwide helpline - cancellation included - no deductible |
| Tourist Card | $500K | Practical for travelers seeking value and protection. - good core benefits - emergency assistance - price advantage |
| Travel Pass Monde | $700K | Balanced option with solid guarantees in Iceland. - covers evacuation - hospitalization included - broad area coverage |
| Globe Partner | $300K | Entry-level plan for essential Iceland stays. - medical care abroad - fast claims - civil liability |
| Globe Traveller | $500K | Basic yet effective for short or low-risk trips. - essential medical cover - efficient reimbursement - limited ceiling |
- highest medical limit
- repatriation included
- multi-risk pack
- 24/7 worldwide helpline
- cancellation included
- no deductible
- good core benefits
- emergency assistance
- price advantage
- covers evacuation
- hospitalization included
- broad area coverage
- medical care abroad
- fast claims
- civil liability
- essential medical cover
- efficient reimbursement
- limited ceiling
Is it currently safe to travel to Iceland?
As of June 2025, the U.S. Department of State rates Iceland as Level 1: exercise normal precautions, reflecting a relatively safe environment for American travelers.
Here are their four main recommendations.
- Security risks: violent crime is rare, but petty theft, such as pickpocketing, can occur in tourist areas of Reykjavik. Always secure valuables and avoid leaving belongings unattended in vehicles, especially at popular sites like Thingvellir National Park.
- Health risks: medical care is excellent in Reykjavik but limited in rural regions. Emergency services can be slow to reach remote areas like the Westfjords, and U.S. health insurance, including Medicare, does not provide coverage in Iceland.
- Environmental hazards:severe weather, sudden changes, and frequent natural events, such as volcanic eruptions or avalanches, can disrupt travel, particularly on interior routes like the F35. Always check safetravel.is for updates before excursions.
- Road safety: driving conditions can be hazardous due to narrow roads, limited daylight in winter, and fast-changing weather. Some routes, such as the Highland roads, are often closed until midsummer because of snow and flooding.
Although not required, travel insurance is strongly recommended by the U.S. Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Iceland.
Is travel insurance required for a visa to Iceland?
No, travel insurance is not mandatory for travelers from the United States to get a visa for Iceland.
However, it is strongly recommended because medical care in rural regions can be limited and emergency evacuations are costly. U.S. health insurance, including Medicare, does not cover health expenses in Iceland, and private medical services can require significant out-of-pocket payment.
According to our data, 50% of travelers purchase travel insurance before going to Iceland, reflecting the country’s reputation for safety but also the high cost of emergency medical services.
Why take out travel insurance for Iceland?
It is an essential financial and medical protection for anyone going to Iceland.
In Iceland, top hospitals such as Landspítali in Reykjavik or Akureyri Hospital offer modern care, but foreigners must often pay the full cost for treatment, and private clinics can be much more expensive, especially outside the capital. Remote areas often lack specialized care, requiring costly ambulance or air evacuation to Reykjavik if a serious issue arises.
Travel insurance covers medical fees, hospitalization, medications, ambulance transport, and repatriation to the US in case of a serious incident.
Here are some examples of healthcare costs in Iceland.
| Example of medical treatment | Cost at Landspítali | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 420,000 ISK (about $3,000) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 290,000 ISK (about $2,100) | up to 100% |
| I need to be repatriated | 1,700,000 ISK (about $12,200) | up to 100% |
| I have appendicitis (consultation and surgery) | 740,000 ISK (about $5,300) | up to 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
Travel insurance coverage for Iceland
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers urgent doctor visits, treatments, and medication in case of illness or injury, including at Landspítali Hospital in Reykjavik. We recommend a reimbursement limit of at least $200,000. |
| 🚑 Emergency medical evacuation | Pays for ambulance and air evacuation to Reykjavik or nearest capable center if needed for serious issues. A minimum limit of $100,000 is recommended for Iceland. |
| 🏨 Hospitalization costs | Includes extended hospital stays, surgery, and ICU in Iceland’s major medical centers. Look for coverage up to $200,000. |
| ✈️ Trip cancellation and interruption | Refunds prepaid, non-refundable expenses if you must cancel or cut short your trip for covered reasons. A coverage limit of $5,000–$10,000 is suggested. |
| 🎒 Baggage and personal effects | Protects against loss, theft or damage to luggage and personal items. Recommended reimbursement limit: $2,000–$3,000. |
| 🏠 Repatriation to the US | Covers return travel home in case of severe accident, illness or death. A limit of at least $100,000 is advised. |
| 🚗 Rental car damage | Pays for damages to rented vehicles, which is valuable for exploring rural Iceland. Look for coverage between $25,000–$50,000. |
| ⛷️ Adventure and sports coverage | Includes emergency care related to common activities in Iceland like hiking, horseback riding, or glacier tours. Minimum recommended limit: $50,000. |
We recommend a reimbursement limit of at least $200,000.
A minimum limit of $100,000 is recommended for Iceland.
Look for coverage up to $200,000.
A coverage limit of $5,000–$10,000 is suggested.
Recommended reimbursement limit: $2,000–$3,000.
A limit of at least $100,000 is advised.
Look for coverage between $25,000–$50,000.
Minimum recommended limit: $50,000.
Travel insurance from local providers or US credit cards often offers limited coverage, low reimbursement limits, and many exclusions. It is safer to select a trusted insurer with comprehensive guarantees. Compare top offers on HelloSafe and subscribe online for immediate certification.
The cost of travel insurance for Iceland
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $32 |
| 2 weeks | 45 years old | $55 |
| 1 month | 35 years old | $85 |
| 1 month | 70 years old | $180 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of your travel insurance is influenced by several key elements: your age, the length of your trip, your destination, the amount of coverage you select, and any add-ons like a 'cancel for any reason' option. It's essential to consider these factors to find a plan that fits both your needs and your budget.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow can you pay less for your travel insurance to Iceland?
Here are some suggestions to optimize the cost of your travel insurance to Iceland while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🏥 Level of coverage | Medical care in Iceland is expensive and remote areas have limited access. | Choose adequate coverage, often $100,000 is enough for Iceland. Avoid unnecessary extras to keep your premium reasonable. |
| 👤 Traveler's age | Age influences pricing for many insurers, especially for seniors. | With Heymondo, premiums do not increase after 62. Compare insurers’ age policies to find the most affordable plan for your group. |
| 🧳 Trip duration | Longer trips increase risk and overall price for coverage. | Opt for exact travel dates and avoid adding extra days if not needed to reduce your premium. |
| 🤝 Group or family policy | Insurers often offer discounts for multiple people insured together. | Look for family or group plans that can lower the average cost per traveler, especially for those under 18 or students. |
| 🌍 Area of coverage | Worldwide policies are more expensive than European-only coverage. | Choose a plan for Europe only if your travel is limited to Iceland and other Schengen countries. |
| 🏷️ Deductible amount | Higher deductibles lower your insurance cost, but increase your out-of-pocket risk. | Increase your deductible thoughtfully to reduce the price, but only if you are comfortable shouldering more expenses if needed. |
| 📱 Digital insurer | Newer digital companies can offer better rates by reducing administrative costs. | Try comparing digital insurers who may undercut traditional agencies, especially if you are comfortable managing your policy online. |
Important
It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
Can I rely on my current insurance to cover me in Iceland?
It is entirely reasonable to wonder if your existing coverage, such as your public or private health insurance or your credit card insurance, can protect you on a trip to Iceland. Unfortunately, these solutions generally offer only limited support. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Iceland? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No international coverage, does not cover care, hospitalization, or repatriation abroad | Travel insurance covers over $100,000 for medical care, emergency evacuation, and 24/7 assistance |
| Private health insurance (Blue Cross Blue Shield, Aetna, Cigna) | Yes, partly | Some emergency coverage, limits usually less than $50,000, often excludes repatriation | Travel insurance includes up to $500,000 for medical costs, repatriation, and travel-specific support |
| Classic credit card (Chase Freedom, Citi Simplicity, Wells Fargo Active Cash) | Yes, partly | Emergency medical expenses up to $10,000, no trip cancellation, very limited baggage protection | Travel insurance typically covers $100,000+ for medical, trip cancellation, and baggage |
| Premium credit card (Chase Sapphire Preferred, Amex Gold, Capital One Venture X) | Yes, partly | Medical limits up to $100,000, basic trip delay, and limited baggage coverage | Travel insurance generally covers up to $500,000, including evacuation and substantial trip protections |
Example
While hiking near a volcano, Mark suffered severe burns. A helicopter evacuation to Reykjavík cost $30,000. His Visa Signature card's travel benefit capped at $1,500, and his US health insurance didn't cover foreign airlifts. Mark was left with a shocking $28,500 bill for what he thought was a simple day hike.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance coverage. Some essential situations, like trip interruption due to a relative’s illness or death, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to subscribe a dedicated travel insurance tailored to the trip.
FAQ
Do I need a visa to travel to Iceland?
U.S. citizens do not need a visa for short stays of up to 90 days in Iceland for tourism, business, or family visits. You must have a U.S. passport valid for at least three months beyond your planned date of departure from the Schengen area.
How do I purchase travel insurance for Iceland?
Start by comparing plans, using a tool like HelloSafe to find options suited to your trip. Carefully check the coverage and exclusions, especially for Iceland-specific needs like medical evacuation and extreme weather. Purchase your policy online and obtain your certificate immediately after payment.
Is healthcare expensive in Iceland for visitors?
Yes, healthcare costs for non-residents can be significant, especially outside Reykjavík where services are limited. Emergency evacuation or hospital repatriation can cost several thousand dollars. Travel insurance provides financial protection and access to quality medical care during your stay.
Can I buy travel insurance for Iceland if I am already abroad?
Many insurers require you to purchase travel insurance before leaving the United States, but some international providers may allow buying a policy while already traveling. However, coverage might have waiting periods or exclusions, so always check the terms and conditions.
Does travel insurance for Iceland cover adventure activities?
Standard travel insurance policies may not automatically cover activities like glacier hiking, snowmobiling, or volcano tours. If you plan to participate in adventurous activities, confirm that your insurance specifically includes coverage for these before purchasing.
What should I do if I need medical care in Iceland?
In case of illness or injury, contact your travel insurance provider or their assistance service as soon as possible. They can guide you to approved medical facilities and help arrange payment or guarantee of coverage. Keep all receipts, medical reports, and insurance documents for any potential claims.
Do I need a visa to travel to Iceland?
U.S. citizens do not need a visa for short stays of up to 90 days in Iceland for tourism, business, or family visits. You must have a U.S. passport valid for at least three months beyond your planned date of departure from the Schengen area.
How do I purchase travel insurance for Iceland?
Start by comparing plans, using a tool like HelloSafe to find options suited to your trip. Carefully check the coverage and exclusions, especially for Iceland-specific needs like medical evacuation and extreme weather. Purchase your policy online and obtain your certificate immediately after payment.
Is healthcare expensive in Iceland for visitors?
Yes, healthcare costs for non-residents can be significant, especially outside Reykjavík where services are limited. Emergency evacuation or hospital repatriation can cost several thousand dollars. Travel insurance provides financial protection and access to quality medical care during your stay.
Can I buy travel insurance for Iceland if I am already abroad?
Many insurers require you to purchase travel insurance before leaving the United States, but some international providers may allow buying a policy while already traveling. However, coverage might have waiting periods or exclusions, so always check the terms and conditions.
Does travel insurance for Iceland cover adventure activities?
Standard travel insurance policies may not automatically cover activities like glacier hiking, snowmobiling, or volcano tours. If you plan to participate in adventurous activities, confirm that your insurance specifically includes coverage for these before purchasing.
What should I do if I need medical care in Iceland?
In case of illness or injury, contact your travel insurance provider or their assistance service as soon as possible. They can guide you to approved medical facilities and help arrange payment or guarantee of coverage. Keep all receipts, medical reports, and insurance documents for any potential claims.
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