Norway Travel Insurance

Travel Insurance for Norway 

Norway is a country that will take the breath away. Come here to sail through sheer-sided fjords and hike to glacier lookouts, to unravel the long-lost age of the Vikings and ride trains into the Arctic Circle. It's a real adventure just waiting to happen! 


Ready to book? We bet. But before you start planning that Scandinavian odyssey, it's worth thinking about travel insurance for Norway. This guide has all you need to know, from what's commonly covered by insurance to what to consider if you're traveling with pre-existing medical conditions. 

  1. What should your Travel insurance cover for a trip to Norway? 
  2. How Does Travel Insurance for Norway Work?
  3. Do I need Travel Insurance for Norway? 
  4. How much does Travel Insurance cost for Norway? 
  5. Our Suggested AXA Travel Protection Plan
  6. What types of medical coverage does AXA Travel Protection plans offer?
  7. Are There Any COVID-19 Restrictions for Travelers to Norway?
  8. Traveling with pre-existing Medical Conditions? 


What should your travel insurance cover for a trip to Norway? 

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. Regarding international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. 
AXA Travel Protection plans are designed with these minimum recommended coverages in mind.  


  • Medical Coverage – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.  
  • Trip Cancellation & Interruptions – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events. 
  • Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation. 
  • Coverage for Personal Belongings – AXA offers coverage for your belongings with assistance against lost or delayed baggage. 
  • Optional Cancel for Any Reason – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 


  In just a few seconds, you can get a free quote and purchase the best travel insurance for Norway.

How Does Travel Insurance for Norway Work?

Norway is a real adventure traveler's dream. Glacier hiking, wild swimming in fjords, heli-skiing – it's all on the menu here! But imagine if you happen to twist an ankle or sprain a muscle on one of your treks through the jagged peaks of the Jotunheimen National Park. What then?

An AXA Travel Protection plan would offer assistance and support, to help you find the right medical care at the right clinic in good time, hopefully putting your Norwegian trip back on track. 

Here’s how travelers can benefit from an AXA Travel Protection Plan: 



Medical Benefits: 

  • Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
  • Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
  • Non-Emergency Evacuation & Repatriation: In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 


Baggage Benefits: 

  • Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
  • Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 


Pre-Departure Travel Benefits: 

  • Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
  • COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
  • Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 


Additional Optional Travel Benefits 

  • Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
  • Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
  • Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
  • Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 


Do I Need Travel Insurance for the Norway?

Because US citizens are among those who can enter the Schengen Zone (of which Norway is a part) without a visa, there's no requirement to purchase travel insurance before you jet off to the land of fjords and smoked salmon. That said, a good travel insurance policy is usually considered a very good idea, no matter where you're planning to explore. 

Why? There are several reasons:

  1. Medical Emergencies: Your health is a top priority. If you face a sudden illness or injury in New York, travel insurance offers the means to receive prompt and quality medical care.

  2. Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

  3. Flight Delays: Travel disruptions like flight delays can happen. If you miss a connecting flight or incur additional expenses due to delays, travel insurance can help cover the costs.


How Much Does Travel Insurance Cost for Norway?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

  • Total Trip cost: The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
  • Age: Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Norway will be offered three tiers of insurance: Silver, Gold and Platinum. Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the Silver PlanGold Plan, and Platinum Plan, each offering different levels of coverage to suit individual needs. Given that Norway hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.  

AXA's Platinum Plan provides extra coverage for travelers who want the highest level of support during their Norwegian adventure. It even includes "Rental Car (Collision Damage Waiver)" insurance, which means you'll have help if you have a bump during those jaw-dropping scenic drives around the Lofoten Islands. And it includes "Cancel for Any Reason", which means cover for loss of bookings if you decide not to go ahead with your trip. 

On top of that, winter visitors with their hearts set on Norway's relatively snow-sure ski fields will be happy to hear that the Platinum Plan includes a "Lost Skier Days" cover. That kicks in if a resort closes lifts, if there's a whiteout, or if there is simply no powder to ski on. 

What types of medical coverage do AXA Travel Protection plans offer? 

AXA covers three types of medical expenses: 

  • Emergency Medical 
  • Emergency evacuation & repatriation 
  • Non-medical emergency evacuation & repatriation 

Emergency medical: this is covered for medical instances that no one can foresee. It could be anything from broken bones suffered while hiking a fjord trail or just a tummy bug you get from dining out in Oslo.  

Emergency evacuation and repatriation: can cover your immediate transportation home in the event of an accidental injury or illness.  

Non-medical emergency evacuation and repatriation: This is covered if you must leave Norway immediately for a non-medical-related event – civil unrest or natural disasters.  

Are There Any COVID-19 Restrictions for Travelers to Norway? 

There aren't any COVID-19 restrictions in place in Norway; they were all lifted back in February 2022. 

Traveling with pre-existing Medical Conditions to Norway? 

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we support you during your trip.  

Our Gold and Platinum plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plan with a pre-existing medical condition, so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 


FAQ  about Travel Insurance to Norway


1. Can you buy travel insurance after booking a flight? 

You can buy travel insurance even after your flight is booked.  

2. When should I buy Travel Insurance to Norway? 

Purchasing travel insurance for your trip is advisable as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.)  
AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip.  
 Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit. 

3. Do Americans need travel insurance in Norway? 

Travel insurance is not a legal requirement for US travelers who enter Norway on the usual Schengen Visa waiver. 

4. What is needed to visit Norway from the USA? 

If you're visiting Norway from the USA, you'll need an American passport with validity covering your planned stay. As of 2024, you'll also need to complete the ETIAS visa waiver form and pay the associated fee (around $7). 

5. What happens if a tourist gets sick in Norway? 

If you become sick in Norway, travelers with AXA Travel protection can contact the AXA Assistance hotline at 855-327-1442. Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.   

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved. 

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