allianz travel insurance norway

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Travel Insurance for Norway

Alongside Denmark and Sweden, Norway makes up the territory of Scandinavia in Northern Europe and is known for its rugged landscapes, Northern Lights, fjords and midnight sun.

Norway is a popular destination for both UK and global travelers, before the pandemic it welcomed around 6 million tourists each year. 

Its most popular destinations include the capital Oslo, which is a great place for a long weekend city break. Tromso in the very North of the country is the perfect place to see the Northern Lights or the midnight sun depending upon the time of year you travel. And Bergen, known as the gateway to the fjords is a lovely city in itself and a great place from which to explore Norway’s unique west coast. 

Due to its popularity with people visiting the fjords, Norwegian cruises are incredibly popular and are offered from a number of UK ports, whilst smaller fjord tours can be taken when you arrive in the country, normally from Bergen or Stavanger.

If boats aren’t your thing then self-driving the fjords is another great option and Norway has a number of specifically designed road trips including the Geiranger-Trollstigen and Hardanger routes, which allow you to experience local towns, fjord views, community traditions and much more.

If you are planning to drive then a trip to the beautiful landscape of the Lofoten Islands is a must and can prove a useful stop over on the way to Tromso (although you might need a few more stops as the drive is around 6 hours).

If you plan to take a cruise or intend on driving, make sure you’re covered with comprehensive travel insurance with cruise cover to give you peace of mind should something unforeseen happen.

No matter your plans whilst you are in Norway, it is important that you take out travel insurance to protect yourself against many unforeseen eventualities.

Below is some information about our products, for which Terms & Conditions apply. Please visit the policy information hub for full details. 

Why may I need travel insurance for Norway?

Travel to Scandinavia is usually very safe but nevertheless you should still have travel insurance to protect you against unforeseen issues such as flight cancellation, lost baggage and medical assistance.

If you are planning a fjord cruise then our cruise cover can also protect you if you miss the ship due to public transport delays or car breakdown, cabin confinement if you fall ill, cruise itinerary changes due to bad weather or other reasons and much more.

What’s covered with a Travel Insurance policy for Norway?

Our Single Trip , Annual and Backpacker policies can help keep you protected whether you’re heading to Norway for any type of trip.

Across our Single Trip and Annual policies, you can choose from our Bronze, Silver or Gold levels of cover. Depending on the level of cover you choose, you’ll be protected for: 

• Cancelling or curtailing your trip
• Delayed personal possessions
• Lost, stolen or damaged personal possessions*
• Loss of personal money*
• Emergency medical and associated expenses
• Loss of passport*
• Personal accident cover
• Missed departures
• Delayed departures
• Personal liability
• Legal expenses
• End supplier-failure**

*Not available with Bronze level cover.

**Only available with Gold level cover.

You can also purchase add-ons to ensure you’re covered for activities you’re taking part in.

Norway Travel FAQs

Taking our Cruise Insurance cover gives you all the great benefits of our Single Trip and Annual Multi Trip insurance policies coupled with protection for risks specific to cruises such as if you miss a port departure, your cruise itinerary changes, you miss an excursion due to illness or you’re confined to your cabin due to illness.

Find out more about Cruise cover and how it works.

Most trips to Norway will be trouble free, but it is important to be hyper aware around popular tourist attractions and keep your belongings and valuables out of sight.

Culturally, Norway is similar to the UK. There is no tipping culture in Norway but it is accepted. It has started to become more expected however in restaurants, cafes and hotels in Norway’s larger cities.

Although English is spoken widely and very well in most parts of Norway, it’s always useful to have a few Norwegian conversational basics or even take a phrasebook with you.

Other popular products from Allianz Assistance

Annual Multi-Trip Travel Insurance

Single Trip Travel Insurance

Backpacker Travel Insurance

Family Travel Insurance

Discover more insurance types for your next trip.

Worldwide Travel Insurance

Business Travel Insurance

Need help? Call us on: 0371 200 0428

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Travel Insurance for a Norway Vacation (2024)

with our partner, Faye

Tom Adams is a writer based in the U.K. who specializes in travel advice. Previously, he has written for sports brands, travel blogs and even an archaeological study.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Norway is a Scandinavian country filled with natural beauty. The midnight sun and serene fjords attract visitors worldwide who want a taste of arctic adventure. It’s also a safe country with residents who welcome tourists.

Despite the thrills, the risk of sudden accidents or interruptions is always part of a travel experience. That’s where travel insurance comes in. To protect the financial investment you make for your vacation, you may be considering having a quality travel insurance plan in place. In this article, we’ll explain what you need to know about buying travel insurance for Norway, highlight coverage options for your policy and offer some helpful travel advice.

Compare Norway Travel Insurance Companies

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Do I Need Travel Insurance for Norway?

Norway is a member of the Schengen area, a collection of European countries allowing free movement within their borders. Depending on your country of residence, you may need a Schengen visa to enter the area. (You can find a full list of countries that require a Schengen visa at the Schengen website .)

U.S. citizens don’t need a Schengen visa for short-term visits (under 90 days), and they don’t have to have travel insurance for their vacation to Norway. However, you should consider having comprehensive travel insurance for the trip.

International travel insurance can protect your trip investments by reimburising costs related to flight cancellations , itinerary interruptions , lost baggage and more. A quality travel insurance plan will also cover medical treatment you receive while traveling, an important element if you plan many extracurricular activities. For instance, travel health insurance will cover your medical expenses if you get hurt cruising around Svalbard.

Below, the different types of insurance coverage you might want to consider for your vacation.

Cancel for Any Reason Coverage

Your travel insurance policy will include cancellation coverage that will reimburse any prepaid trip costs should you decide to cancel your vacation. However, this protection has exclusions, so the insurance company will only validate it for covered reasons. Cancel for any reason coverage (CFAR) can help with this.

CFAR is an optional protection you can add. It allows you to cancel your trip for any reason, even if you simply change your mind about going on your trip. It gives you more flexibility before departure, but some limitations may apply.

You may be unable to buy CFAR insurance because it’s unavailable in every state. Even if it is, you must buy it within a specific time frame, usually two weeks before your departure.

Gear Theft Protection

Norway is a perfect destination for exploring the Arctic and hiking along fjords. Not surprisingly, the country appeals to active travelers who want to hike, many of whom will bring their own special equipment.

Gear theft protection kicks in if equipment gets lost or damaged. Your insurance will pay to replace or repair your belongings. It’s a good idea to declare any expensive items like cameras, tents or premium hiking gear to your provider so that they are adequately insured.

Gear theft protection does have limitations. It usually has a deductible, which you must pay before coverage kicks in. Protection can also be as low as $500, which may not cover the loss of multiple expensive items.

If you plan to take special equipment, consider insuring the most expensive items individually. That way you’ll get the coverage you need.

Medical Emergency Insurance and Emergency Medical Evacuation

Norway has a high standard of healthcare, even in remote towns. Although that’s assuring for tourists, medical care can be expensive.

That’s why you may consider buying travel medical insurance if you visit Norway. This special insurance covers expenses such as:

• Medical transportation
• Prescriptions
• Hospitalization
• Emergency medical treatments, such as surgeries

Your travel insurance policy will also cover you for a medical evacuation, also known as medical repatriation. Medical repatriation involves returning you to your home country or an adequate medical facility to receive medical treatment. The maximum costs for an evacuation are likely to be much higher than your medical coverage because it includes transport costs.

Your medical insurance at home may include coverage for trips abroad, so it is smart to check with your insurer before buying travel insurance. Also, any pre-existing conditions included in your health insurance at home may be excluded from your travel medical insurance. We encourage travelers to declare any pre-existing conditions before they travel. You can buy special coverage for those conditions.

Rental Car Protection

If you’re going to camp or explore the wilds of Norway — or do more than visit major cities like Oslo and Bergen — you’ll probably need a rental car and rental insurance. We recommend buying insurance If you rent a car in Norway.

You can rent a vehicle in Norway if you’ve held a full driver’s license for one year. You can get vehicle protection through your rental provider, but it’s often more cost-effective to have rental protection in your travel insurance plan. The most important protection for a rental vehicle is a collision liability waiver, which covers any damage or theft associated with your rental.

Trip Cancellation Insurance

Cancellation insurance lets you claim back any prepaid, non-refundable deposits made for your trip should you need to cancel your plans. Covered reasons for cancellation include:

• Natural disasters that make your destination inaccessible
• The death of a traveling companion or family member
• Loss of employment
• Military or jury service

Most insurance companies offer up to 100% of the insured trip cost in their cancellation reimbursement, but some policies may include more. Assess the terms and conditions of your plan to familiarize yourself with the covered reasons and claim procedures if you need to cancel your trip.

How Much Does Norway Travel Insurance Cost?

The cost of travel insurance differs among insurance companies. Your age, destination and total trip cost can alter the policy price. Also, prices differ among insurers. Compare quotes from at least three providers to understand what you need to budget for the insurance.

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Norway. The below quotes are for a 30-year-old traveler from Florida, traveling to Norway for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

We selected the maximum medical coverage for the above quotes and added coverage for trips and baggage delays . All the plans include 100% cancellation cover except Allianz, which offers up to 115%. Likewise, most plans include $500 in coverage for lost baggage, but Nationwide pays $600, which works better if you bring expensive equipment.

When you compare the plans, Nationwide and Trawick deliver the most coverage. Trawick has customizable plans, with different options that affect the final price. Seven Corners provides the most affordable policy with solid medical evacuation coverage but the lowest medical coverage. Allianz is the most expensive of the selected policies yet provides the least protection.

How Do I Get Travel Insurance for Norway?

Make sure to compare plans from multiple providers before you purchase an insurance policy. This can help you find the most affordable policies with the best coverage.

You can compare insurance prices using free online quote tools from insurance companies. They’ll show you various plans and include coverage details and prices. You can also use third-party websites to find quotes that suit your budget.

When choosing your insurance plan, consider what coverage and policy will benefit you the most. For example, business travelers will likely not require adventure sports coverage in their travel insurance.

An annual multi-trip policy would be a good investment if you’re planning multiple trips within the year. This will cover various vacations under one policy rather than having to purchase individual plans for each trip.

Norway Safety Tips

Anytime you travel internationally, safety should be the number one priority. And Norway is safe. It has one of the lowest rates of violent crime in the world. However, travelers should be wary of petty criminals, especially in larger cities.

Another consideration is the environment. Norway delivers unparalleled natural beauty, but avalanches and landslides in mountainous regions have the potential to cause serious harm.

The following sections will give you an overview of how to stay safe for your Norwegian vacation, and some helpful travel tips.

Crime and Safety

Travel advisories suggest practicing usual precautions when visiting Norway. Cities like Oslo and Bergen are relatively safe, even late at night. But visitors should be mindful of petty crimes like theft and pickpocketing. Theft is common in tourist zones, but you can avoid it by keeping your expensive belongings secure.

Note that Norway is strict about the consumption of alcohol. Drinking in public is prohibited. Even being drunk in public could get you arrested. If you plan to drink alcoholic beverages, don’t get overserved, and don’t drive drunk.

Day Trips, Tours and Excursions

You can fill up your vacation in Norway by watching the northern lights or taking a trip to Tromso, the capital of the Arctic. But be sure to book tours or excursions with reputable companies with rigorous health and safety provisions. Take extra care with cruise tours, as inclement weather can cause serious risks.

People who book hiking excursions must be aware of hazardous avalanches and landslides. Check the local news for weather forecasts and any immediate safety announcements.

Although the temperature may be cold, the sun is still harsh. You risk a sunburn even if you don’t feel it. Sunscreen is your friend in Norway.

As of 2022, Norway removed all entry restrictions regarding COVID-19 . Travelers no longer need to supply a negative PCR test or register their entry to Norway upon arrival. If you feel unwell, adhere to standard guidelines like self-isolation and wearing a face covering. You can find more information about coronavirus guidance on the Norwegian health services website .

The Bottom Line: Is Travel Insurance for a Norway Vacation Worth It?

We recommend having good travel insurance when you visit Norway. Although U.S. citizens don’t need it, it makes for a smart financial move, given the expenses related to the trip.

Norway is safe but adverse weather is a notable risk. Travel insurance can remedy worries by providing you with coverage for your trip so you can focus on enjoying your time away.

Read the FAQs below for more information about buying travel insurance for a trip to Norway.

Frequently Asked Questions About Travel Insurance in Norway

What does travel insurance cover.

Travel insurance will cover you for any unforeseen expenses or interruptions that occur on your trip. This includes, but is not limited to, trip interruptions, medical expenses, delayed or lost baggage, and reimbursement for canceled flights and accommodation.

Is healthcare free in Norway for foreigners?

Healthcare in Norway is free for individuals below the age of 16. Otherwise, you must pay for medical care. Norwegian healthcare is good but expensive. We recommend buying high coverage levels for medical insurance.

Does Norway count as Europe for travel insurance?

Most providers include Norway in their annual coverage plans for Europe. However, always check the terms of your insurance policy.

Is it worth buying expensive travel insurance?

Expensive travel insurance usually provides more robust coverage which can greatly benefit travelers. But price isn’t everything. Tailor your insurance plan to the specifics of your trip. That may mean paying a higher premium, but if you shop around you should find budget-friendly insurance companies.

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

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The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

Allianz Schengen Travel Insurance

Allianz Schengen Travel Insurance is a travel insurance product for individual travellers, couples, or families. It provides immediate help and financial coverage for medical emergencies encountered during a trip within the Schengen Area. Assistance is available on a 24/7 basis, 365 days of the year.

Schengen travel insurance from Allianz is fully compliant with European Union regulations and is recognised around the world. This ensures it is suitable for use as the mandatory travel insurance required for a Schengen visa application.

Highlights of the Policy

• 24-hour emergency call centre friendly and professional
• Telemedical consultations and medical assistance around the clock worldwide in the event of illness or accident
• Accident and breakdown assistance throughout Europe
• High sums insured including assumption of health care costs abroad up to CHF 1 million
• Travel baggage coverage including cover for cameras, laptops and sports equipment
• Cancellation charges insurance unbureaucratic and customer-oriented

Countries Covered By Allianz Schengen Travel Insurance

Visitors to the Schengen Area are required to either obtain a visa, or be a passport holder from a country that has a visa exemption agreement. Valid travel insurance is mandatory for any successful visa application and Allianz’s Schengen Travel Insurance is recognised around the world and fully compliant with Schengen and European Union regulations.

The Schengen Area is made up of 27 countries, which have agreed to remove border controls at their mutual borders, allowing passport-free movement between these countries for residents and visitors. These 27 countries, which are all covered by the insurance product offered by Allianz, are:

• Czech Republic
• Denmark (excluding Greenland and the Faroe Islands)
• France (excluding overseas departments and regions)
• Liechtenstein
• Netherlands (excluding overseas constituent countries)
• Switzerland

Additionally, three micro states are considered to be de facto members of the Schengen Area and travel to these states is also covered by the Allianz travel insurance. These are: Monaco, San Marino, and the Vatican City.

Applying for Allianz Schengen Travel Insurance

Travellers are able to purchase Allianz Schengen Travel Insurance online via the Allianz website. Within a few minutes, a confirmation email should arrive, outlining the terms of the insurance. This email will also include the official travel insurance certificate, which can be used for a Schengen visa application.

Unlike with some other products on the market, Allianz Schengen Travel Insurance can be purchased for an entire family, with a single payment. In this event, travellers will receive a single certificate, which will outline the insurance information for all individuals who are covered by the insurance policy.

Important Coronavirus Information

It is essential that travellers to the Schengen Area follow all available guidelines related to coronavirus (COVID-19).

Allianz travel insurance products do provide coverage for medical treatment that is necessary as a result of contracting COVID-19 after arriving in the Schengen Area. This includes COVID-related medical treatments, cancellations, and covering any additional accommodation costs if it becomes necessary to quarantine and extend a trip.

Other Important Insurance Information

Allianz Allianz Schengen Travel Insurance is able to be purchased for a single trip, or as an annual policy for multiple trips to the Schengen Area. With annual coverage, each individual trip to the Schengen Area can last no longer than 90 days, and insurance coverage will begin again once a traveller re-enters the Schengen Area.

The standard insurance offers personal accident cover, as well as cover for emergency medical expenses. Travellers are advised to seek treatment from a General Practitioner (GP) for minor illness and injury and follow their advice for any follow-up treatment. Emergencies or severe illness should be treated at a hospital, or via an on-call doctor that is able to offer emergency care. Dental emergencies should be treated at a registered dental practice.

Certificates of insurance are provided in English. Standard Allianz travel insurance products provide coverage of up to US$ 50,000 for accidents, illnesses or injuries. Upgraded ‘Silver’ and ‘Gold’ packages can extend this to add coverage for lost or stolen travel documents and personal possessions.

Travellers must follow the guidance and travel advice issued by the Foreign Commonwealth & Development Office (FCDO). Coverage is only guaranteed if the country being visited is not subject to FCDO advice against travel.

Allianz Schengen Travel Insurance Policy Details

For more information visit: Allianz Schengen Travel Insurance

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Allianz Travel Insurance Review: Is It Worth the Cost?

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Table of Contents

What is Allianz?

What does allianz cover, allianz policy overview, what’s not covered by an allianz plan, how allianz compares with its competitors, how much is allianz travel insurance, how to buy an allianz policy, which allianz travel insurance plan is best for me, does allianz offer 24/7 travel assistance, how to file a claim with allianz travel insurance, is allianz travel insurance worth it, star rating methodology.

• Annual or single-trip policies are available.
• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz travel insurance is highly regarded, and for good reason. Allianz offers five plans, so travelers' policies can cover what’s important to them. As well, children under 17 can be included for free on an eligible plan, so it can make sense that those seeking a plan that they can customize will consider Allianz.

Why trust NerdWallet?

Our Nerdy editorial team aims to be a starting point in your travel insurance research. We default toward transparency and follow a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers and advertising relationships do not influence our ratings. Learn more about our strict editorial guidelines .

Around for over 100 years, Allianz has had a hand in insuring some iconic times in history, including the Wright brothers’ first flight and the construction of the Golden Gate Bridge.

These days, Allianz’s travel insurance arm boasts a score of 4.3 on Trustpilot and an A+ Financial Strength Rating (FSR), according to credit rating firm AM Best.

Allianz’s five plans offer different kinds of coverage, and not all of them have a standard set of benefits.

For example, Allianz travel insurance medical coverage isn’t available with the OneTrip Cancellation Plus plan, while general Allianz travel insurance coverage such as trip cancellation isn’t offered on the OneTrip Emergency Medical plan.

The three comprehensive plans Allianz offers provide varying levels of standard benefits.

Allianz health insurance coverage : Provides reimbursement for accidents and illnesses during your trip. 

Trip interruption : Covers nonrefundable costs incurred as a result of your trip being interrupted. 

Trip cancellation : Repays prepaid, nonrefundable costs such as hotels and tour bookings in the event your trip is canceled. 

Lost luggage : Covers the cost of replacing your personal effects when your luggage is lost. 

Delayed luggage : Reimburses reasonable expenses, such as for clothing and toiletries, when your luggage has been delayed. 

Emergency evacuation : Arranges and pays the cost to transport you to a medical facility for care. 

Pre-existing condition coverage : Covers costs for acute flare-ups of pre-existing conditions, as long as you meet eligibility requirements. 

Allianz’s policies have a broad array of inclusions. Here's a look at the five single-trip plans, and the included coverage amount.

Allianz also offers multitrip plans and a plan that provides rental car coverage only.

» Learn more: How does annual travel insurance work?

Add-on options

Allianz doesn’t offer many options when it comes to customization.

Rental car insurance : Available on all plans as an upgrade, Allianz’s rental car insurance provides coverage in the event of theft, damage or collision. 

Cancel Anytime : Allows you to cancel a trip for almost any unforeseeable reason and get 80% of your nonrefundable costs back. 

Don’t want to pay for travel insurance? A variety of travel credit cards offer complimentary trip insurance assuming you pay for the trip with your card.

Each Allianz plan has varying coverage levels, and some specifically exclude benefits such as trip cancellation.

However, certain types of situations and activities are generally excluded:

Extreme sports.

The use of alcohol or drugs or any symptoms as a result.

Normal pregnancy or childbirth. 

Participation in sporting events. 

Natural disasters. 

On a 5-star scale, NerdWallet rated Allianz 3.5 stars. Jump to see our methodology.

A sample trip for a 36-year-old traveler from Indiana to Canada for five days found that the cheapest Allianz plan cost $166. If you were to spring for the premium plan, which increases your coverage limits, expect to pay $291.

When looking across multiple providers, the basic plan for the same sample trip ranges in cost from $10 to $202. Note that price isn't the only differentiating factor. Coverage isn't identical across plans; each company offers various levels of scope, limits and exclusions.

How much does Allianz travel insurance cost? To get an idea of the cost of an Allianz travel insurance policy, we generated a quote for a sample trip.

In this example, we have a 37-year-old traveler from North Carolina heading to Japan for a two-week vacation, with a total trip cost of $5,000.

Notably, Allianz travel insurance costs increased dramatically when benefits for trip cancellation and trip interruption were included, so if you don’t have a lot of nonrefundable costs associated with your trip, you may want to stick with the OneTrip Emergency Medical plan.

» Learn more: The best travel credit cards right now

To purchase an Allianz travel insurance policy, go to Allianz’s get a quote page , where you can choose different plan types, including single trip, annual or rental car policies.

From there, you’ll need to fill out your trip information, such as travel dates and destination and your age. Then, you'll be presented with eligible plans and prices. From there, you’ll be able to pick one that suits your needs and complete the checkout process.

Consider comparison shopping

If you're not 100% sold on purchasing a plan from Allianz, you can use a travel insurance aggregator to compare policies across multiple companies at once.

The right Allianz plan for you depends on your trip. This is especially true for the OneTrip Emergency Medical plan and the OneTrip Cancellation Plus plan since both are limited in what they cover.

Before purchasing a plan, review the costs of your trip, whether you need medical coverage and how much you’re willing to pay.

Allianz provides 24/7 travel assistance to customers. Within the U.S. or Canada, call 800-654-1908 for help. Otherwise, call 804-281-5700.

Allianz’s 24/7 assistance can help you with issues such as finding new flights, providing you with information about your destination, helping you retrieve lost luggage, replacing prescriptions and more.

Filing a claim with Allianz can be done online via its claims center .

You’ll need to have information on hand such as what happened, what the claim is for, when the issue happened and how much you’re claiming.

You’ll also need to provide proof of your loss, which can be uploaded to the claims center.

Is Allianz travel insurance good? Allianz can be more expensive than competitors, but its different plans can help mitigate the cost by insuring only what’s important to you.

Its three comprehensive plans also include coverage for pre-existing conditions, which isn’t something you’ll find everywhere.

If you have a plan with trip interruption or trip delay benefits, you may be covered when your flight has been canceled. This can include refunds for prepaid expenses and costs for lodging and meals.

The length of time it takes for a refund can vary; factors that influence how long can include the claim you make, the documentation you provide and the processing speed of the insurance provider.

Allianz travel insurance medical coverage is secondary. This means it pays out after any other eligible plans you may have.

Yes, Allianz plans cover COVID.

Travel insurance

NerdWallet's ratings for travel insurance companies take into account the following details about each insurer:

Scope of coverage.

Customizability.

Consumer experience and complaints.

The best travel insurers excel in all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and allow customers to customize plans to meet their coverage preferences. They're also able to keep their customers happy throughout the relationship.

Data collection and review process

NerdWallet collects over a dozen data points for each insurer we analyze from their public-facing websites and third-party analyses. These data points are then compared against one another and against NerdWallet's standards for good travel insurance companies to determine a star rating.

Data is collected on a regular basis and reviewed by our editorial team for consistency and accuracy. Final star ratings are presented on a scale of one to five stars, where a one-star score represents "poor" and a five-star score represents "excellent."

The reviews team

The writers and editors behind NerdWallet's travel insurance reviews are insurance specialists who have had their work featured by or appear in The Associated Press, The Washington Post, The New York Times, the Chicago-Sun Times, U.S. News & World Report and the Society for Advancing Business Editing and Writing. Each writer and editor follows NerdWallet’s strict guidelines for editorial independence .

In addition to travel insurance, the team covers travel rewards programs, airlines and hotels.

Rating specifics

Our star ratings are weighted based on our editorial and professional opinions. We use the following weightings when rating travel insurers:

Scope of coverage (25%).

Customizability (25%).

Consumer experience and complaints (25%).

Cost (25%).

Scope of coverage ratings are based on assessments of a company’s standard protections, including:

Travel medical insurance.

Trip cancellation.

Trip interruption.

Trip delay.

Baggage and personal belongings, lost luggage.

Emergency medical assistance.

Emergency medical evacuation.

Emergency medical repatriation.

Accidental death and dismemberment insurance.

Rental car coverage.

Customizability ratings factor in whether coverage limits are fixed prices or a percentage of the trip cost (the percentage is generally better), whether a policy has customizations available, and the number of bonus features.

24-hour assistance.

Pre-existing medical conditions coverage.

Extreme sport coverage.

CFAR add on availability.

Travel health insurance.

Interruption for Any Reason.

Travel Inconvenience.

Cancel for Work Reasons.

Electronics coverage.

Consumer experience ratings are based on provider reviews on Squaremouth.com. If the company is not in the Squaremouth database, we default to Google reviews.

Affordability ratings are based on the percentage of total trip cost a plan costs a policyholder. Less than 4% is considered excellent, whereas over 9% is considered poor.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

• Single Trip Travel Insurance
• Annual Multi-Trip Travel Insurance
• Family Travel Insurance
• Schengen Travel Insurance
• International Health For Individuals
• International Health for SME
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A First Timers Guide to Norway

Do you want to see the best that Norway has to offer? Then you need to read the below article of our guide to Norway…

Many people do not realise how big Norway is, meaning that it is not possible to experience all it has to offer in just a couple of days.

Here are some stats to illustrate what we mean:

• Norway is approx. 465 times bigger than Singapore
• Norway is slightly smaller than California, but 3 times as long
• Norway’s mainland spans the same distance as NYC to Miami
• Norway is larger than Germany, with its mainland 3 times longer
• Norway’s coastline is the longest in the world

As you can see, it is rather large!

The size of Norway means that as a visitor you will need to pick one or two locations to focus on unless you are looking to spend a large amount of time here.

Getting around

Due to the sheer size of the country, with its vast land, mountains and low-speed limits, most Norwegians get around by plane, with a flight time between Oslo and cities like Bergen or Trondheim of around an hour.

For a more leisurely and scenic route, why not try travelling by train or ferry, and take in the stunning landscapes the country has to offer?

Where to stay

• Norway can be seen as somewhat expensive, with hotel rooms starting from over $135. There are some more budget-friendly places to stay like hostels and guesthouses.
• However, there is one place to stay that is completely free – a tent.
• Now we know that a tent may not sound like your sort of thing, but it is free to pitch a tent almost anywhere in nature in Norway thanks to the principle of ‘freedom to roam.’
• Picture that tent of your pitched next to a stunning, secluded pond or lake. That view and experience is free. Bliss.

Areas of Norway to visit

Another popular place to visit is Bergen and a great way to get to Bergen, other than flying, is on the train. The views are jaw-dropping!

Bryggen in Bergen is a UNESCO World Cultural Heritage Site, made up of those pretty red, gold and white houses you see along the Harbour. If you are a photography fan, you’ll love this area!

Other things you can do here is head out on a hike, visit the museums or have a thrilling ride on a zip line! You must also take a look at the famous two-hour cable car ride up to the top of Mount Ulriken!

The fjords in Norway are listed as a UNESCO World Heritage Site and must be visited. They are easily accessed from Bergen.

It is best to allow a couple of days or more to visit them as there is so much to see and do. Not only are there stunning views to take in, but there are also lots of activities like hiking and kayaking.

The Northern Lights

Norway is a popular place to visit for a chance at spotting the Northern lights. For doing so, you will need to visit the very north of the country between the months of September to March.

Areas such as Tromso and Svalbad are popular places to head to, and you would need to take a plane from Oslo to get here.

The areas in Norway for spotting the northern lights also have much more to offer, such as whale watching and husky riding.

For more tips on spotting the northern lights,  take a read of our article here.

As you can see from our guide to Noway article, Norway is an exciting and very different place to visit. We hope that we have now convinced you to say yes and head out on a trip to Norway!

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Travel Insurance Plans

• Find your DNB office
• Make an appointment

Travel insurance

Insure yourself and your things when you’re travelling and in everyday life, with one of the best travel insurance providers on the market.

Unlimited coverage in the event of cancellation and illness

Accident insurance included 24 hours a day, also when you’re not travelling

Applies worldwide, without accommodation requirement

What is travel insurance?

Travel insurance gives you peace of mind every time you leave your home: You have insured yourself and your belongings when travelling and in daily life. You’ll get help if you are the victim of theft, illness or accident, in the event of cancellations and delays, damage to your belongings and much more.

The travel insurance is valid worldwide – including in Norway.

Travel insurance is about more than holidays and trips abroad. It becomes valid the moment you leave your home, and there is no overnight accommodation requirement Travel insurance is valid worldwide, domestic travelling in Norway and in daily life.

Do you have any questions before you buy travel insurance?

Have a chat with one of our insurance advisers.

Have you had an accident or injury?

Report your damage or injury online for quick and secure handling.

• Report a claim
• Report a claim with your credit card travel insurance

Accident insurance included

When you buy travel insurance from us, you get accident insurance that covers accidental injury both at home and during outdoor/leisure activities. This applies, among other things, to water sports and sailing, climbing, cycle touring, downhill skiing, ice skating, horse riding, mountain hiking, backcountry skiing and more.

Accident insurance covers you all day long, even when you’re not travelling. The cover expires when you turn 75 years of age. Remember that you can also buy your own accident insurance if you want to select the compensation amount or need other coverage.

Get a discount on insurance

Up to 15% group discount on insurance, and an extra 5% if you are a DNB bank customer.

• See what discount you can get

One price, two insurance policies

Household contents and travel insurance for people aged 18 to 34 years.

• Insurance Young

Illness and travel insurance

If you cancel a trip due to illness, your travel insurance applies.

Illness and accidents prior to travel

Have you recently been seriously ill, or do you have a serious illness or chronic condition, or have you suffered an accident and are wondering whether the travel insurance covers costs for treatment needs that may arise when you’re away? – Get in touch for a medical assessment with our partner SOS International on +47 22 95 50 55.

Feeling unwell on holiday? – Call for help

If you or your fellow travellers have fallen ill, contact SOS International on tel. +47 22 96 50 45. They are available 24 hour a day, 7 days a week. They will help you find a doctor and a hospital, and take care of practical matters. It’s a good idea to save the number to your phone before you travel.

If you incur any other expenses related to your illness, keep hold of the receipts. These must be sent in together with the claims form to Fremtind Forsikring.

Contact SOS International

SOS is our emergency centre which you can use at any hour of the day if something should happen during your trip abroad.

Call +47 22 96 50 45 for help.

See what the travel insurance covers

Personal belongings

• Damage to and theft of personal luggage
• Damage to and theft of property belonging to the employer
• Delayed luggage
• Delayed attendance
• Delayed departure
• Delayed arrival
• Acute unexpected illness
• Hospital stays
• Summoning of next of kin
• Psychological first aid
• Repatriation
• Interrupted travel and unused holidays
• Unused tickets and events
• Accidental injury resulting from a sudden and unforeseen external physical incident
• Expenses for necessary treatment in the Nordic countries 2 years after the injury date

Cancellation

• Cancellation which is due to own or close family’s illness/death.
• Natural disasters during travel outside of Norway
• War, terror, rebellion
• Epidemic during travel outside of Norway
• Excess on rental cars on holiday or while travelling
• Liability and legal aid during travel outside of Norway
• Motor vehicles, caravan/trailers, boats and equipment/accessories for these
• Moveable goods
• Products imported into Norway in breach of applicable customs/tax rules
• Delayed luggage or arrival on return journey
• Expenses caused by flight delay or cancellation which the airlines themselves are liable for
• Delayed arrived less than 8 hours

Illness/accident

• Injury due to aerial sports, diving below 40 metres and martial arts
• Injury due to alcohol and drugs
• Participation in expeditions
• Staying at heights above 6000 metres
• Sending for family if home journey imminent
• Practice of professions with high risk of accident
• Training for or participation in organised sports competitions after the age of 16
• Fear of war and terror
• Pregnancy or birth from and including 36th week of pregnancy
• Deterioration of illness that was highly likely to occur
• Expenses refunded by other operators
• The insurance does not apply at permanent places of work/study during working hours/study hours in the Nordic countries
• The insurance applies for single trips lasting up to 70 days
• Where sums are stated in the insurance certificate or terms and conditions, the damage will be compensated up to the specified sums
• Some items have age restrictions
• For children, the insurance expires when they turn 21 years old
• The accident insurance expires at the age of 75 years
• From and including the third incidence of damage to a mobile phone within one calendar year, the excess is NOK 3000
• Hospital stay and sending for family must be approved by the company in advance
• In the event of a delay and having to catch up with the travel itinerary, the company must be contacted before new tickets are booked
• Evacuation must be ordered by Norwegian or local authorities
• You must be a member of the Norwegian National Insurance Scheme and have a residential address in the Nordic countries
• The insurance must be bought before or at the same time as ordering the trip/tenancy
• The insurance does not cover trips to countries/areas with a high risk of war, terror and political unrest
• The travel starts when you leave your permanent address and ends when you come back
• Accident insurance all day long, including when the insured party is not travelling
• Liability and legal aid only applies to travel outside of the Nordic countries.

The insurance certificate specifies which information is used as a basis. If anything is incorrect, you must inform us immediately. Security regulations are damage prevention and damage limitation measures you must take, and you will find these in the insurance certificate.

In the event of injury you must contact us as soon as possible. If you do not comply with your obligations, the settlement payment may be reduced, fully or partly.

• Terms and conditions travel insurance (PDF)
• Product information IPID (PDF)

Best in test travel insurance

Bytt.no votes for the best travel insurance every month. Based on verified reviews, our travel insurance has been voted the one that customers are most satisfied with. Our insurance company Fremtind is ranked top for both best claims settlement and best customer service. See the results at bytt.no .

Norsk Familieøkonomi (Norwegian Family Finances) also has our travel insurance among the top providers in its annual test, with a score of 5 out of 6. Among other things, the test highlights that we are one of the cheapest for family travel insurance, while consistently maintaining a high standard of cover.

See what else makes our insurance best in test .

Check prices of travel insurance

What does travel insurance really cost? You don’t need to pull out your calculator – we’ll do the work for you. To check prices, you have to log in with BankID Then choose insurance for yourself and possibly your family to see how much you need to pay.

Coronavirus

Find out what the Ministry of Foreign Affairs says and what the insurance can help you with.

• Check what is covered

Single trip travel insurance with credit card

If you pay at least half of the cost of the trip’s transport costs with your credit card, you get travel insurance included with your purchase.

• Read more about Mastercard.

Compare travel insurance

You can get both full-year travel insurance and single trip travel insurance from us. Our travel insurance is valid all year round and ensures you’re always insured for small or bigger trips, and for daily life. Single trip insurance is travel insurance through Mastercard, and comes included when at least half of the trip’s transport is paid using the credit card and you include one night’s accommodation or travel by air.

We recommend most people to always keep full-year travel insurance. If you need some guidance, you can see more details on what insurance you need at different stages of life.

Use the table as a guide. See terms and conditions for a detailed overview of the coverage.

Questions and answers

If you or your fellow travellers need emergency help, contact SOS International on +47 22 96 50 45. They will help you find a doctor and a hospital, and take care of practical matters.

For minor injuries or illnesses, you can seek medical attention if you need it. Take your travel insurance card, passport or other ID with you.

If you have expenses as a result of illness, ensure you keep the doctor’s certificate and all the receipts. These need to be sent in with your claims form when you use your insurance.

If you end up in hospital abroad without travel insurance, it can be expensive. Hospital bills of several hundred thousand kroner are not uncommon. Should you also need repatriation via an ambulance flight from abroad, the expenses can be extremely high.

If you end up in hospital in the EEA or Switzerland, you can use your European Health Insurance Card to prove that you have the same right to necessary help as the citizens of that country. You still need to be aware that the card does not cover extra expenses for your return journey, and that in many countries, the government doesn’t cover the full cost of health services.

The European Health Insurance Card only gives you the right to necessary medical treatment in the EEA and Switzerland. It doesn’t cover medical treatment in other parts of the world. Neither does the European Health Insurance Card cover costs related to medical repatriation or sending for family/next of kin in the event of serious illness.

Cancellation, delay, material damage and theft of luggage are other important components that are covered by the travel insurance.

The travel insurance doesn’t cover losses and expenses related to strikes and labour conflicts. We recommend you get in touch with the airline for information, changes to and rebooking of your flight.

See also forbrukerrådet.no to see your air travel rights and what you are entitled to.

When you drive your own car abroad, your car insurance applies if you have an accident with the car.

If you rent a car abroad, the rental company’s insurance applies. Remember to check this carefully when you sign the rental agreement. The travel insurance can cover the excess you have on the rental car if something should happen.

In the event of theft and burglary of your own car, it’s important that you report this to us . If you have a rental car, you can call the number in the rental contract. If there is damage to the rental car, the insurance that comes with the car applies, but the excess is covered by your travel insurance. The same applies to private belongings. Remember to report the incident, take note of any witnesses and document what has happened, where it happened and what has been stolen.

Our full-year travel insurance applies all year round, but is limited by the number of consecutive holiday days for single trips. The insurance applies for single trips up to 70 days in length, but can be extended to apply to 90, 120 or 180 days.

If you choose family cover when you buy the travel insurance, your whole family will be covered under the same insurance. This applies even when you’re not travelling together.

With family cover, both children and spouses/cohabitants are included in the travel insurance. Children and young people are covered by the parents’ insurance up to the age of 21, as long as they have the same address in the National Population Register.

When the children move out, it’s worth considering Household contents and travel insurance for young people .

You will find both your travel insurance certificate and your travel card by logging in to the online or mobile banking app.

If your luggage is delayed by more than 4 hours on your outward journey, you will receive a settlement payment. You can report the claim straight away or when you get home.

What you need to do if your luggage is delayed:

Report it to the airport

• Get confirmation that your luggage has been delayed – this is called a PIR report.
• Also keep hold of the luggage tag that you got at check in.

Buy what you need

• You can buy clothes and toiletries if your luggage is delayed by more than four hours on your outward journey.
• You can spend up to NOK 5000 per person.
• Remember to keep hold of your receipts.

Contact the insurance company

• Report the claim for a settlement payment . You can also call us if you need practical and immediate help.

Cancellation cover is part of the travel insurance, and gives you your money back if you need to cancel a trip due to unforeseen circumstances.

You are covered if the unforeseen events are due to

• acute illness, worsening of illness, accident or death that affects you, your immediate family, companion or their immediate family, someone in your travel party (up to 6 people) who you have bought the same trip with, or childminder that result in the trip not being able to go ahead as planned.
• fire, burglary, water or natural damage that requires you to stay home.
• travelling to the location is in breach of advice from the Ministry of Foreign Affairs or the Norwegian government for domestic travel.

You will get your money back for the

• travel and the accommodation.
• excursions and events.
• pet hotel for dogs and cats

The travel insurance doesn’t have any age limit – it applies to everyone, regardless of age.

There are still age restrictions to the accident cover which are worth knowing about: at the age of 70, the settlement payment is reduced, and when you turn 75, the cover expires.

See terms and conditions for detailed coverage overview.

When you buy travel insurance, you can choose how many days’ travel you need insurance for. 70 days is the standard maximum trip length per single trip, but you can choose to change the maximum length per trip to 90, 120 or up to 180 days.

You’ll find information about your insurance’s trip length per trip in the online or mobile banking app.

If you lose your passport or have it stolen while you are travelling abroad, it’s important that you report this as soon as possible.

Start by reporting it to the local police. Remember to get a copy of the report or a receipt from the police. When your passport is reported lost or stolen, it’s not longer a valid travel document.

You must then contact the nearest Norwegian embassy or consulate to apply for a temporary travel document so you can travel back to Norway. The travel document is a kind of emergency passport and is also called a “laissez-passer”.

Find your nearest embassy

The travel insurance doesn’t cover broken mobile phones or other items that are destroyed by accident.

If you would like to insure yourself against accidents you need to have fully comprehensive contents insurance or separate mobile phone insurance.

Theft and vandalism of bicycles are covered by the travel insurance, except in the municipality of residence, educational institution, or workplace.

Otherwise, as a rule contents insurance covers the bicycle. You can also buy your own bicycle insurance .

As a rule, there is no excess on our travel insurance. However, there are some exceptions. See a summary of the coverages in the terms and conditions.

The travel insurance covers losses of luggage up to an unlimited overall sum. Remember, however, that individual items are subject their own limits.

To receive compensation for your luggage, the reason for the loss or damage may for example be due to

• loss of or damage to check-in luggage
• traffic accident
• natural damage

See additional limits and causes covered in the terms and conditions.

When the departure is delayed

If your flight, train, ferry or the means of transport you use is delayed or cancelled, first get in touch with the transport provider. They can often help you there and then, with a rebooking or refund.

Remember to keep hold of all your receipts, expenses, tickets and confirmations of delayed transport.

Then report the claim to us. You can apply to have expenses that are not covered by the transport provider covered by the travel insurance. Should the delay result in an extra overnight stay, this can also be covered by the insurance.

When you arrive too late for the means of transport you have booked

In general, you need to allow plenty of time. If the delay is your fault because you planned your time badly, we cannot cover the costs.

If you miss your transport, first contact the company responsible for getting you to your departure. They may be liable for the costs.

For example, if the delay is due to unforeseen weather conditions, technical problems with the means of transport or a traffic accident with your transport, you can get the necessary costs covered for completing your journey.

Remember that you must document expenses and the delay. Report this to us before booking new tickets.

More insurance policies

Life and health.

Personal insurance gives you and your family financial security

Car and vehicles

Insurance for your car, caravan, motorcycle, boat, trailer, snowmobile and more

Home and home contents

Insurance for house, cabin, home contents and valuables in the home

Insurance for all types of travels, without accommodation requirements

Insurance for dog, horse and cat

Insurance for high-value items you are afraid of losing

Fremtind Forsikring

As a DNB customer, you get insurance supplied by Fremtind Forsikring – one of Norway’s largest insurance providers, with extensive experience. You are still a customer of DNB, and should contact us if you want to buy insurance, make changes, make a claim or have any questions.

To give you an offer, DNB will share your personal data with Fremtind. You can see how this is processed in Fremtind’s personal privacy statement .

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Popular Destinations: Travelling to Norway

Here are a few details for anyone travelling to norway.

Currency: the Norwegian Krone

Time zone: GMT +2

The Capital city is Oslo.

Most Norwegains speak English.

It is a very eco-friendly country.

There are two official languages in Norway, namely Sami and Norwegian. Norwegian has two predominant dialects, Bokmål and Nynorsk, with Bokmål being the most widely spoken. English is, however, spoken throughout Scandinavia, with many Norwegians speaking English as a second language. Sami refers to the language spoken by the indigenous people of Norway, and is not very widely spoken.

When to Visit Norway?

The best things to do in norway.

Fjords are deep and narrow inlets of the sea between high cliffs. There are over 1000 fjords in Norway, all along the coast, with the most well-known being the Sognefjord, the Lysefjord, as well as Nærøyfjord and Geirangerfjord which have been placed on the list of UNESCO’s World Heritage Sites. 

Geirangerfjord is an oasis to experience the beauty of nature in Scandinavia, where the mountains and waterfalls tower over tranquil waters and are part of the reason the country’s inhabitants prize their outdoors. This fjord is 15km long and approximately 260m deep, featuring several waterfalls cascading along its sides. The three best-known waterfalls in the Geirangerfjord are the Seven Sisters “de Syv Søstre,”  the Suitor “Friaren” and the Bridal Veil, “Brudesløret.” The Bridal Veil falls gracefully over a rocky edge, and when illuminated by the sun appears to be a veil over the rocks. The other two waterfalls—the Seven Sisters and the Suitor—sit opposite one another across the fjord, and the Suitor is said to be trying to woo the Seven Sisters opposite.

Considered one of Norway’s most spectacular natural attractions, the Nærøyfjord is 17km long, ranging from 12m to 500m in depth. The trip through Nærøyfjord is considered one of the most beautiful fjord trips in Europe and a passenger boat through the fjord is running all year, with picturesque views of snow-capped mountains and stunning waterfalls all along the journey.  

The country offers many opportunities for hiking, biking and camping. It is very safe and wIth beautiful scenery and easy-to-use rail routes, it is a great country to experience by train. 

Norway’s cities

• The capital city of Oslo

Oslo is in the midst of the Oslofjord and surrounded by beautiful forests. A nature lover's dream, the city was named the European Green Capital of 2019.  Oslo has new museums as well as architecture from the 11th century. It is an urban city with a rich history and a host of nature-based activities to enjoy.  Nature is, in fact everywhere, and easily accessible in Oslo, fostering a high quality of life for the city’s inhabitants. 

As a result of shipping and oil trade, Oslo, the third-largest city in Scandinavia, is also one of Europe's most affluent cities. It is a trendy and sophisticated metropolis with a variety of cultural and outdoor activities to enjoy.

The National Museum in Oslo holds one of the most important collections by Edvard Munch, including the Scream, an iconic painting by the Norwegian artist, Frogner Park, which is free to enter all year. It features 212 sculptures of Gustav Vigeland from the period 1924 and 1943, and is the world’s largest sculptural installation by a single artist.

There is also the Oslo opera house, the Norwegian Maritime Museum, the Norwegian folk museum, the Kon-Tiki Museum, and the long-established Viking Museum to reference the art, history and culture of Norwegians. 

Bergen was once the capital of Norway, and is a wonderful city to experience Norwegian culture and nature. The city was once the home of the royal family and is surrounded by an arc of seven snow-capped mountains. Boasting art museums, an active nightlife, and Bergenfest, a popular music festival established 25 years ago, Bergen is a lively, albeit rainy city to enjoy.  

See the lights

Norway is a part of the arctic circle, with Tromsø—the capital of the arctic—in Northern Norway.  This unique positioning means that it is one of the places where one can witness the midnight sun and Aurora Borealis, also known as the Northern Lights. The spectacular natural light show is not visible all over Norway and can be hard to spot, but the lights are known to be most active around March and September. A dazzling sight known to inspire and bring awe and joy, Aurora Borealis is formed by particles from the sun entering the earth’s atmosphere; creating a celestial show of beautiful, dancing waves of light that have enchanted people for thousands of years.

Norwegian Cuisine

Norwegian salmon is world-renowned. In fact, the Norwegians are famous for introducing the Japanese to salmon in the 1980s. 

Skillingsboller is a traditional Norwegian pastry and is their version of a cinnamon roll. Made from flour, milk, yeast, eggs, sugar, butter, cardamom and almonds, it is dusted with sugar and cinnamon to create a true Scandinavian delight. 

About Allianz Travel

Allianz Travel give you the security of extensive international  travel insurance while you travel, with coverage of up to USD 50,000 for any emergency medical expenses including illness or injury. Theft or loss of your travel documents are also covered up to an additional USD 300, with USD 5,000 as cover in the event of any personal accidents. 

Get in touch with us today to speak to one of our experienced consultants about our travel insurance options.

Travel Insurance for Norway

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Envision this: The soft glow of the Northern Lights illuminating the Arctic night sky.

The imposing majesty of the fjords, intertwined with emerald forests and glistening glaciers. A place where ancient stave churches stand proudly amidst bustling, modern cities.

This is Norway, a dream destination for many, where each moment feels like a magical postcard brought to life.

But before you can immerse yourself in the wonders of this Nordic paradise, there’s a critical piece of your travel preparation puzzle to consider: travel insurance .

Although it may seem less thrilling than planning your fjord cruise or your trek through the Jotunheimen National Park, having the right travel insurance for your Norwegian getaway is a must for your peace of mind.

Let’s dive into this comprehensive guide to ease this process for you.

In this article...

Why Do You Need Travel Insurance for Norway?

Simply put, life is unpredictable.

Whether it’s minor hitches like delayed flights and misplaced luggage or more significant concerns such as accidents, sudden health issues, or unexpected natural events, travel insurance offers the protection you need against unforeseen expenses that may arise during your journey.

Norway’s healthcare system is excellent, but for non-residents, the costs can be substantial.

Furthermore, while Norway is quite safe, the country’s rugged terrain and variable weather can sometimes pose challenges for travelers.

With the appropriate travel insurance, you can protect yourself against these and other potential risks, making sure that no unforeseen circumstances cast a shadow over your Norse adventure.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage , Emergency Medical Evacuation , Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

What Should Travel Insurance for Norway Include?

A comprehensive travel insurance policy for Norway should cover the following key elements:

• Medical and Health Coverage: This is of paramount importance. If you get sick or injured during your trip, your policy should cover medical expenses, hospital stays, and possibly even medical repatriation if needed.
• Trip Cancellation and Interruption: | This feature protects you from the costs of prepaid, non-refundable expenses such as flights, hotels, and excursions if you must cancel or truncate your trip due to unforeseen circumstances, such as illness, injury, or a family member’s death.
• Luggage and Personal Belongings: This part of the policy covers the cost of replacing your belongings if your luggage gets lost, stolen, or damaged during your travels.
• Outdoor Activity Coverage: Norway is an outdoor enthusiast’s dream. Whether you’re planning to ski in Lillehammer, hike the Trolltunga, or kayak through the fjords, make sure your policy covers these activities.

How Much Does Travel Insurance for Norway Cost?

The price of travel insurance varies, depending on several factors such as your trip’s length, your age, the coverage you opt for, and your insurance provider.

Generally, your travel insurance might cost between 4-10% of your total trip expenditure. For instance, if your trip to Norway costs $6000, your insurance could range from $240 to $600.

Where to Buy Travel Insurance for Norway

Procuring your travel insurance can be accomplished through various means – travel agencies, insurance companies, or online platforms.

The crucial part is to compare quotes from different providers, understand their policy details thoroughly, and then make an informed choice.

So, while the alluring charms of Norway are ready to welcome you, remember to safeguard your journey from any unexpected twists and turns.

Travel insurance affords you the tranquility that enables you to savor every moment of your Nordic experience.

Here’s to safe and delightful travels to the land of the Midnight Sun!

Frequently Asked Questions

1. Is travel insurance mandatory for visiting Norway?

No, travel insurance is not mandatory for visiting Norway. However, it is strongly recommended to protect against any unforeseen incidents, given the potential high cost of healthcare and the possible risks associated with outdoor activities.

2. Does travel insurance for Norway cover COVID-19 related issues?

It depends on the specific policy and provider. Some insurers cover COVID-19 related issues such as cancellation due to infection or quarantine, medical treatment if you get infected while traveling, or even evacuation. Always check the terms of the policy before purchasing.

3. Will my travel insurance cover me if I participate in extreme sports in Norway?

Again, this depends on your specific policy. Some policies exclude “risky” activities such as extreme sports unless you purchase additional coverage. If you’re planning to partake in activities like skiing, snowboarding, hiking, or kayaking, make sure to check if these are covered.

4. What should I do if I lose my belongings in Norway?

If your belongings are lost or stolen, you should first notify the local authorities and file a police report. Then contact your insurance provider and inform them about the incident. Keep all relevant receipts and documentation; you’ll likely need them to file a claim .

5. How soon should I buy travel insurance for my trip to Norway?

The best time to buy travel insurance is shortly after booking your trip. Many policies offer benefits that only apply if the insurance is purchased within a certain number of days (usually 10-14) from the first payment towards the trip.

Remember, it’s crucial to understand your policy thoroughly and ensure it matches your specific needs before your Norwegian adventure begins.

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