The Best Travel Insurance for Norway in 2025

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A. Fruchard
A. Fruchard
updated on July 15, 2025
Table of Contents
  • The best travel insurance for Norway
  • Is it currently safe to travel to Norway?
  • Is travel insurance required for the visa to Norway?
  • The importance of travel insurance for Norway
  • Travel Insurance Coverage for Norway
  • The cost of travel insurance for Norway
  • How to pay less for your travel insurance to Norway
  • Can I rely on my current insurance to cover me in Norway?
  • FAQ
  • On the same topic
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Travel insurance for Norway: key takeaways

1. Definition: Travel insurance for Norway covers medical emergencies, trip cancellation, and other unforeseen travel disruptions.
2. Key protection: Insurance is not mandatory for US citizens, but it protects against high overseas medical costs.
3. Healthcare cost: Healthcare in Norway is expensive; a hospital night can cost foreign visitors over $2,000.
4. Price: A one-week travel insurance plan for Norway typically costs between $30 and $60.
5. Good to know: Ensure your policy covers outdoor activities like hiking or skiing, which are popular in Norway.

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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 Norway.

The best travel insurance for Norway

Contract we recommendMedical reimbursement limitOur view
HelloTravel Premium$1.1MComprehensive coverage for medical needs in Norway.
- high medical reimbursement
- emergency evacuation
- flexible options
Cap Assistance 24/24$1.1MIdeal for both short and long trips in Norway.
- 24/7 medical helpline
- no deductible
- trip cancellation protection
Tourist Card$545kSolid core protection for tourists in Norway.
- strong medical limit
- covers emergencies
- competitive price
Travel Pass Monde$765kBalanced solution suitable for Norway.
- hospital costs covered
- wide international recognition
- repatriation guarantee
Globe Partner$330kSimple and reliable for frequent travelers.
- international medical cover
- includes emergency return
- covers liability
Globe Traveller$545kGood value for basic protection in Norway.
- essential medical coverage
- straightforward claims
- rapid reimbursement
Comparison of recommended travel insurance contracts for Norway.
HelloTravel Premium
Medical reimbursement limit
$1.1M
Our view
Comprehensive coverage for medical needs in Norway.
- high medical reimbursement
- emergency evacuation
- flexible options
Cap Assistance 24/24
Medical reimbursement limit
$1.1M
Our view
Ideal for both short and long trips in Norway.
- 24/7 medical helpline
- no deductible
- trip cancellation protection
Tourist Card
Medical reimbursement limit
$545k
Our view
Solid core protection for tourists in Norway.
- strong medical limit
- covers emergencies
- competitive price
Travel Pass Monde
Medical reimbursement limit
$765k
Our view
Balanced solution suitable for Norway.
- hospital costs covered
- wide international recognition
- repatriation guarantee
Globe Partner
Medical reimbursement limit
$330k
Our view
Simple and reliable for frequent travelers.
- international medical cover
- includes emergency return
- covers liability
Globe Traveller
Medical reimbursement limit
$545k
Our view
Good value for basic protection in Norway.
- essential medical coverage
- straightforward claims
- rapid reimbursement
Comparison of recommended travel insurance contracts for Norway.
👉 Compare the best travel insurance for freeI compare

Is it currently safe to travel to Norway?

As of June 2025, the US Department of State states that Norway is a safe destination for US travelers, requiring only normal precautions. No significant threats or areas are under official travel warnings.

Here are their four main recommendations.

  • Security risks: pickpocketing and petty theft can occur in crowded areas, especially at Oslo Central train station and major tourist sites in Bergen. It is advised to guard valuables closely, particularly in urban centers.
  • Health risks: there are no vaccination requirements for entry, and public and private healthcare are of high quality throughout Norway. In remote regions, such as the Lofoten Islands or rural Finnmark, medical facilities may be less accessible, and emergency services can experience delays in severe weather.
  • Environmental conditions: those planning travel to the Svalbard archipelago must be prepared for extreme cold, limited emergency services, and risks from polar bears. Adequate polar gear and informed local guides are necessary for visiting Longyearbyen or venturing outside settlements.
  • Legal constraints: Norway enforces strict penalties for drug possession, even for small amounts. It is also illegal to carry certain types of knives or weapons in public places, including in cities like Trondheim or Oslo.

Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Norway.

Is travel insurance required for the visa to Norway?

No, travel insurance is not mandatory for US travelers to obtain a visa or enter Norway for tourist visits up to 90 days.

Travel insurance is still strongly recommended because Norway has a high cost of medical care, and US Medicare does not provide coverage abroad. Insurance helps protect you financially in the event of illness, accident, or emergency evacuation.

According to our data, 50% of travelers purchase travel insurance before going to Norway. Norway is a very safe country in Europe, but healthcare costs for tourists are high and unexpected expenses are common.

The importance of travel insurance for Norway

It is an essential financial and medical protection for anyone going to Norway.

In Norway, medical costs for non-residents are high, even at public hospitals. Foreigners must pay for care at facilities like Oslo University Hospital in Oslo or Haukeland University Hospital in Bergen. A short ambulance ride or emergency treatment in cities such as Trondheim or Stavanger can result in bills of several thousand dollars, and US Medicare does not provide coverage abroad.

Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in case of a serious incident.

Here are some examples of healthcare costs in Norway.

Example of medical treatmentCost at Oslo University HospitalCovered by travel insurance
I have to be hospitalized 48 hours after contracting an infection19,000 NOK (about $1,800)Up to full reimbursement
I broke my tibia (X-ray, cast, and crutch rental)11,000 NOK (about $1,040)Up to full reimbursement
I need to be repatriated180,000 NOK (about $17,000)Up to full reimbursement
I have appendicitis (consultation and surgery)55,000 NOK (about $5,210)Up to full reimbursement
Examples of medical treatment costs and insurance coverage.
I have to be hospitalized 48 hours after contracting an infection
Cost at Oslo University Hospital
19,000 NOK (about $1,800)
Covered by travel insurance
Up to full reimbursement
I broke my tibia (X-ray, cast, and crutch rental)
Cost at Oslo University Hospital
11,000 NOK (about $1,040)
Covered by travel insurance
Up to full reimbursement
I need to be repatriated
Cost at Oslo University Hospital
180,000 NOK (about $17,000)
Covered by travel insurance
Up to full reimbursement
I have appendicitis (consultation and surgery)
Cost at Oslo University Hospital
55,000 NOK (about $5,210)
Covered by travel insurance
Up to full reimbursement
Examples of medical treatment costs and insurance coverage.

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 Norway

Main coveragesExplanations and recommendations
🏥 Medical expensesCovers hospital, doctor, and pharmacy bills in Norway, which are high for non-residents.
We recommend a minimum limit of $150,000 for medical expenses per trip.
🚑 Emergency evacuation and repatriationHandles air or ground ambulance to another hospital or US return if needed, especially from remote areas.
Opt for at least $300,000 in coverage.
💼 Lost or stolen baggageCompensates if your luggage or important items are lost, stolen, or damaged.
Ensure coverage of at least $2,500 for baggage and valuables.
⏱️ Trip cancellation/interruptionReimburses pre-paid costs if your trip is canceled or cut short for covered reasons.
Choose a benefit of $5,000 or higher per traveler.
👨‍⚕️ Personal liabilityHelps cover costs if you cause injury or damage to others while in Norway.
Look for a limit of at least $250,000 in liability protection.
💊 Emergency dental careFor sudden dental pain or accidents requiring treatment abroad.
At least $1,500 in dental coverage is recommended for Norway.
🚕 24/7 assistance servicesProvides access to multilingual help and emergency assistance worldwide.
This should be included, with unlimited support throughout your trip.
⚖️ Legal assistance abroadCovers some legal fees if you face a dispute or legal process while in Norway.
A minimum coverage of $10,000 is advisable.
🏥 Medical expenses
Explanations and recommendations
Covers hospital, doctor, and pharmacy bills in Norway, which are high for non-residents.
We recommend a minimum limit of $150,000 for medical expenses per trip.
🚑 Emergency evacuation and repatriation
Explanations and recommendations
Handles air or ground ambulance to another hospital or US return if needed, especially from remote areas.
Opt for at least $300,000 in coverage.
💼 Lost or stolen baggage
Explanations and recommendations
Compensates if your luggage or important items are lost, stolen, or damaged.
Ensure coverage of at least $2,500 for baggage and valuables.
⏱️ Trip cancellation/interruption
Explanations and recommendations
Reimburses pre-paid costs if your trip is canceled or cut short for covered reasons.
Choose a benefit of $5,000 or higher per traveler.
👨‍⚕️ Personal liability
Explanations and recommendations
Helps cover costs if you cause injury or damage to others while in Norway.
Look for a limit of at least $250,000 in liability protection.
💊 Emergency dental care
Explanations and recommendations
For sudden dental pain or accidents requiring treatment abroad.
At least $1,500 in dental coverage is recommended for Norway.
🚕 24/7 assistance services
Explanations and recommendations
Provides access to multilingual help and emergency assistance worldwide.
This should be included, with unlimited support throughout your trip.
⚖️ Legal assistance abroad
Explanations and recommendations
Covers some legal fees if you face a dispute or legal process while in Norway.
A minimum coverage of $10,000 is advisable.

Travel insurance from local providers or bank cards often has strict limits and excludes many important risks. For better protection, select a reputable insurer with comprehensive coverage. Compare leading policies on HelloSafe and purchase online for immediate certification.

The cost of travel insurance for Norway

Trip durationTraveler’s ageIndicative price per person
1 week25 years old$22
2 weeks45 years old$36
1 month35 years old$50
1 month70 years old$110
1 week
Traveler’s age
25 years old
Indicative price per person
$22
2 weeks
Traveler’s age
45 years old
Indicative price per person
$36
1 month
Traveler’s age
35 years old
Indicative price per person
$50
1 month
Traveler’s age
70 years old
Indicative price per person
$110

These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.

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Good to know

The cost of travel insurance varies based on several key factors: the traveler's age, the duration and destination of the trip, the amount of coverage, and any add-ons like a cancellation option. Keeping these elements in mind is crucial to finding the right policy that fits your needs and budget for your upcoming trip.

💡 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 compare

How to pay less for your travel insurance to Norway

Here are some suggestions to optimize the cost of your travel insurance to Norway while keeping good coverage:

CriteriaWhy it mattersExpert tip
🧑 Traveler's ageAge determines premium, and older travelers often face higher costs.Choose insurers such as Heymondo, who do not raise prices for people over 62, which can provide savings for older adults.
🗓️ Trip durationLonger stays in Norway will increase your insurance cost.Be precise with your travel dates and select a policy that matches them, avoiding unnecessary extra days of coverage.
👨‍👩‍👦 Group vs. individualFamily or group policies may be more cost-effective than taking out several individual policies.Compare multi-person policies to save per traveler, especially if traveling with family or a group of friends.
🏥 Level of coverageNorway has excellent healthcare, so unlimited or luxury coverage may not be necessary.Opt for standard medical coverage, unless you require high limits for personal reasons such as pre-existing conditions.
💳 Deductible amountHigher deductibles lead to lower premiums, but require higher out-of-pocket payments if you claim.Choose a deductible you can comfortably pay, and compare price differences between standard and higher deductibles.
🎯 Travel activitiesAdding coverage for adventure activities increases the premium.Select only the activities you plan to do, and skip “extreme sports” or “adventure” add-ons unless actually needed.
📦 Extra benefitsAdd-ons like baggage or electronics insurance may increase fees unnecessarily.Carefully assess if you need extras, and choose only the basic benefits you really need for your trip to Norway.
Factors to Consider When Choosing Travel Insurance for Norway
🧑 Traveler's age
Why it matters
Age determines premium, and older travelers often face higher costs.
Expert tip
Choose insurers such as Heymondo, who do not raise prices for people over 62, which can provide savings for older adults.
🗓️ Trip duration
Why it matters
Longer stays in Norway will increase your insurance cost.
Expert tip
Be precise with your travel dates and select a policy that matches them, avoiding unnecessary extra days of coverage.
👨‍👩‍👦 Group vs. individual
Why it matters
Family or group policies may be more cost-effective than taking out several individual policies.
Expert tip
Compare multi-person policies to save per traveler, especially if traveling with family or a group of friends.
🏥 Level of coverage
Why it matters
Norway has excellent healthcare, so unlimited or luxury coverage may not be necessary.
Expert tip
Opt for standard medical coverage, unless you require high limits for personal reasons such as pre-existing conditions.
💳 Deductible amount
Why it matters
Higher deductibles lead to lower premiums, but require higher out-of-pocket payments if you claim.
Expert tip
Choose a deductible you can comfortably pay, and compare price differences between standard and higher deductibles.
🎯 Travel activities
Why it matters
Adding coverage for adventure activities increases the premium.
Expert tip
Select only the activities you plan to do, and skip “extreme sports” or “adventure” add-ons unless actually needed.
📦 Extra benefits
Why it matters
Add-ons like baggage or electronics insurance may increase fees unnecessarily.
Expert tip
Carefully assess if you need extras, and choose only the basic benefits you really need for your trip to Norway.
Factors to Consider When Choosing Travel Insurance for Norway
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Important

Focusing on essential medical, evacuation, and personal liability coverage is usually sufficient for most travelers from the US to Norway. Extra add-ons can increase costs without adding significant benefit for most trips.

Can I rely on my current insurance to cover me in Norway?

It is perfectly reasonable to wonder if your current coverage, such as public or private health insurance or credit card benefits, will protect you while traveling in Norway. Unfortunately, these options are often limited or do not cover all risks abroad. Here is a summary table to help you review your current insurance and what it covers.

Type of InsuranceValid in Norway?What it coversWhy Travel Insurance is better
Public health insurance (Medicare, Medicaid)No, neverOnly valid for care in the US. No reimbursement for overseas medical costs or emergencies.Travel insurance covers $100,000+ in medical costs and emergency evacuation.
Private health insuranceYes, partlySome plans provide limited emergency care abroad, usually capped at $10,000 or less. No evacuation.Travel insurance can reimburse $100,000+ abroad plus full emergency repatriation.
Classic credit card (Visa Classic, Mastercard Standard)Yes, partlyBasic coverage, medical up to $5,000, does not include baggage, trip delay, or full evacuation.Travel insurance reimburses $100,000+ and covers luggage, trip delays, and 24/7 assistance.
Premium credit card (Chase Sapphire Preferred, Amex Gold, Visa Signature)Yes, partlyMedical costs up to $50,000, moderate trip delay/lost baggage, excludes pre-existing conditions.Travel insurance covers $100,000+, includes pre-existing conditions, full baggage and evacuation.
Public health insurance (Medicare, Medicaid)
Valid in Norway?
No, never
What it covers
Only valid for care in the US. No reimbursement for overseas medical costs or emergencies.
Why Travel Insurance is better
Travel insurance covers $100,000+ in medical costs and emergency evacuation.
Private health insurance
Valid in Norway?
Yes, partly
What it covers
Some plans provide limited emergency care abroad, usually capped at $10,000 or less. No evacuation.
Why Travel Insurance is better
Travel insurance can reimburse $100,000+ abroad plus full emergency repatriation.
Classic credit card (Visa Classic, Mastercard Standard)
Valid in Norway?
Yes, partly
What it covers
Basic coverage, medical up to $5,000, does not include baggage, trip delay, or full evacuation.
Why Travel Insurance is better
Travel insurance reimburses $100,000+ and covers luggage, trip delays, and 24/7 assistance.
Premium credit card (Chase Sapphire Preferred, Amex Gold, Visa Signature)
Valid in Norway?
Yes, partly
What it covers
Medical costs up to $50,000, moderate trip delay/lost baggage, excludes pre-existing conditions.
Why Travel Insurance is better
Travel insurance covers $100,000+, includes pre-existing conditions, full baggage and evacuation.
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Example

While skiing off-piste near Tromsø, Sarah suffered a complex leg fracture. A helicopter rescue and surgery cost $45,000. Her American Express Gold card offered no specific travel medical coverage, and her US health plan considered the foreign hospital "out-of-network," leaving her with a staggering bill for this unexpected emergency.

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Expert advice

Always check your existing insurance for its terms, exclusions, and limits. Essential situations, like trip interruption for a relative’s illness, might be excluded. Read the conditions carefully to avoid surprises abroad. In all cases, it is safer and more reassuring to buy dedicated travel insurance tailored to your trip.

FAQ

Do I need a visa to travel to Norway?

US citizens do not need a visa to visit Norway for stays up to 90 days within a 180-day period for tourism or business. You will need a valid passport with at least six months of validity at the time of entry. The 12-page US emergency passport is not accepted for entry without a visa.

How do I purchase travel insurance for Norway?

Start by comparing travel insurance plans using the HelloSafe travel insurance comparison tool, which provides updated options for US travelers. Check coverage levels and exclusions that apply specifically to trips to Norway. Then purchase your policy online, and you will receive your insurance certificate by email for your documentation.

What should I look for in a Norway travel insurance policy?

Choose a plan with coverage for emergency medical care, travel delays, lost baggage, and personal liability. Emergency evacuation coverage is advisable, especially if you plan to visit remote regions such as Svalbard. Policies should offer at least $100,000 coverage for medical expenses for peace of mind.

Does my US health insurance provide coverage in Norway?

Most US health insurance, including Medicare, does not cover you abroad. In Norway, you will typically need to pay for medical care up front unless you have international travel insurance. Make sure your policy includes direct payment to hospitals or easy claims reimbursement.

Are adventure and winter sports covered by travel insurance in Norway?

Norway is popular for hiking, skiing, and winter activities, which can carry increased risk. Many basic travel insurance policies exclude injuries from high-risk sports. Check your plan's exclusions and consider purchasing a policy that specifically covers these activities.

Can I get travel insurance after I have started my trip to Norway?

Some insurers offer travel insurance that can be purchased even after departure from the US, but coverage may be limited until a short waiting period has passed. Pre-existing conditions or incidents that occurred before the plan's start date are typically not covered, so buying before departure is recommended.

Do I need a visa to travel to Norway?

US citizens do not need a visa to visit Norway for stays up to 90 days within a 180-day period for tourism or business. You will need a valid passport with at least six months of validity at the time of entry. The 12-page US emergency passport is not accepted for entry without a visa.

How do I purchase travel insurance for Norway?

Start by comparing travel insurance plans using the HelloSafe travel insurance comparison tool, which provides updated options for US travelers. Check coverage levels and exclusions that apply specifically to trips to Norway. Then purchase your policy online, and you will receive your insurance certificate by email for your documentation.

What should I look for in a Norway travel insurance policy?

Choose a plan with coverage for emergency medical care, travel delays, lost baggage, and personal liability. Emergency evacuation coverage is advisable, especially if you plan to visit remote regions such as Svalbard. Policies should offer at least $100,000 coverage for medical expenses for peace of mind.

Does my US health insurance provide coverage in Norway?

Most US health insurance, including Medicare, does not cover you abroad. In Norway, you will typically need to pay for medical care up front unless you have international travel insurance. Make sure your policy includes direct payment to hospitals or easy claims reimbursement.

Are adventure and winter sports covered by travel insurance in Norway?

Norway is popular for hiking, skiing, and winter activities, which can carry increased risk. Many basic travel insurance policies exclude injuries from high-risk sports. Check your plan's exclusions and consider purchasing a policy that specifically covers these activities.

Can I get travel insurance after I have started my trip to Norway?

Some insurers offer travel insurance that can be purchased even after departure from the US, but coverage may be limited until a short waiting period has passed. Pre-existing conditions or incidents that occurred before the plan's start date are typically not covered, so buying before departure is recommended.

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16 July 2025
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15 July 2025
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A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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