The Best Travel Insurance for Norway in 2025
- 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
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.
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 recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Comprehensive coverage for medical needs in Norway. - high medical reimbursement - emergency evacuation - flexible options |
| Cap Assistance 24/24 | $1.1M | Ideal for both short and long trips in Norway. - 24/7 medical helpline - no deductible - trip cancellation protection |
| Tourist Card | $545k | Solid core protection for tourists in Norway. - strong medical limit - covers emergencies - competitive price |
| Travel Pass Monde | $765k | Balanced solution suitable for Norway. - hospital costs covered - wide international recognition - repatriation guarantee |
| Globe Partner | $330k | Simple and reliable for frequent travelers. - international medical cover - includes emergency return - covers liability |
| Globe Traveller | $545k | Good value for basic protection in Norway. - essential medical coverage - straightforward claims - rapid reimbursement |
- high medical reimbursement
- emergency evacuation
- flexible options
- 24/7 medical helpline
- no deductible
- trip cancellation protection
- strong medical limit
- covers emergencies
- competitive price
- hospital costs covered
- wide international recognition
- repatriation guarantee
- international medical cover
- includes emergency return
- covers liability
- essential medical coverage
- straightforward claims
- rapid reimbursement
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 treatment | Cost at Oslo University Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 19,000 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 repatriated | 180,000 NOK (about $17,000) | Up to full reimbursement |
| I have appendicitis (consultation and surgery) | 55,000 NOK (about $5,210) | Up to full reimbursement |
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 coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | 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 | 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 | 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 | 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 | 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 | For sudden dental pain or accidents requiring treatment abroad. At least $1,500 in dental coverage is recommended for Norway. |
| 🚕 24/7 assistance services | Provides access to multilingual help and emergency assistance worldwide. This should be included, with unlimited support throughout your trip. |
| ⚖️ Legal assistance abroad | Covers some legal fees if you face a dispute or legal process while in Norway. A minimum coverage of $10,000 is advisable. |
We recommend a minimum limit of $150,000 for medical expenses per trip.
Opt for at least $300,000 in coverage.
Ensure coverage of at least $2,500 for baggage and valuables.
Choose a benefit of $5,000 or higher per traveler.
Look for a limit of at least $250,000 in liability protection.
At least $1,500 in dental coverage is recommended for Norway.
This should be included, with unlimited support throughout your trip.
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 duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $22 |
| 2 weeks | 45 years old | $36 |
| 1 month | 35 years old | $50 |
| 1 month | 70 years old | $110 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
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 compareHow 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:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🧑 Traveler's age | Age 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 duration | Longer 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. individual | Family 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 coverage | Norway 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 amount | Higher 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 activities | Adding 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 benefits | Add-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. |
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 Insurance | Valid in Norway? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | Only 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 insurance | Yes, partly | Some 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, partly | Basic 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, partly | Medical 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. |
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.
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.
