Travel Insurance Norway
Get flexible travel insurance for Norway, with options for winter sports, fjords cruises, medical cover, cancellation and 24/7 assistance.
Planning a trip to Norway? All of our policies include cover for holidays to Norway.
We’ve got you covered, whether you’re heading to Oslo for a city break, chasing the Northern Lights or sailing through the Norwegian fjord.
Our Norway cover at a glance
Here’s how our travel insurance for Norway works:
- Norway is covered on all of our policies (single-trip, multi-trip and family plans).
- You’ll get emergency medical cover, cancellation, baggage, and delay cover, plus 24/7 assistance as standard.
- Skiing or snowboarding in Norway? Add our Winter Sports upgrade.
- Cruising the Norwegian fjords? Add our Adventure Plus upgrade.
- Buy online in minutes and get your documents by email.
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Planning winter sports in Norway?
If you’ll be skiing, snowboarding or taking part in other winter sports in Norway, you’ll need to add our Winter Sports cover to your policy.
This upgrade is designed for things like:
- Ski and snowboard trips in Norway.
- Resort-based winter sports (within the terms of your policy).
- Cover for injuries on the slopes and certain winter sports equipment.
You still choose the same Norway travel insurance policy, you just add Winter Sports during the quote process so we can cover those extra risks properly.
Sailing the Norwegian fjords or taking a coastal cruise?
If your Norway trip includes a fjords cruise or coastal voyage, you should add our Adventure Plus upgrade.
Adventure Plus is there for travellers who are:
- Taking a Norwegian fjords cruise.
- Joining small-ship coastal or expedition-style trips.
- Booking activities like fjord kayaking or Zodiac-style boat tours (within your policy terms).
Again, you start with the same core travel insurance for Norway, then add Adventure Plus so your cruise-style activities are correctly covered.
What’s included as standard on trips to Norway
Every Rise & Shield policy that covers Norway includes core benefits to help protect your trip, such as:
- Emergency medical treatment and helicopter evacuation.
- Repatriation back home if medically necessary.
- Trip cancellation and curtailment.
- Baggage and personal belongings cover (within limits).
- Travel delay and missed departure (for covered reasons).
- 24/7 emergency assistance wherever you are in Norway.
The exact benefit limits depend on the level of cover you choose, but every policy is built to handle the most important “what ifs” on a Norway holiday.
What’s not covered by our Norway travel insurance
Like every insurer, there are situations we can’t cover. It’s important to know about them upfront.
In general, we won’t cover:
- Trips or activities that fall outside your policy or chosen add-ons.
- Certain high-risk or unsupported solo adventures.
- Claims that arise while you’re over the legal alcohol limit or under the influence of drugs.
- Illegal or deliberately reckless behaviour.
- Travel against official government “do not travel” advice.
- Known events or circumstances that existed before you bought your policy.
Why you need travel insurance for Norway
Norway is one of the safest countries in the world, but it’s not a place where you want to gamble on going without travel insurance.
Here’s why:
Healthcare isn’t free for visitors
State healthcare in Norway comes with user fees, and foreign visitors are expected to pay for treatment.
A basic outpatient visit can cost a few hundred NOK, while hospital stays run into thousands. One Norwegian cost guide puts a single day in hospital at around 6,400 NOK for uninsured visitors.
GHIC/EHIC cards only go so far
A UK GHIC or EHIC can help with medically necessary state healthcare in Norway, but they don’t replace proper Norway travel insurance.
They don’t cover private treatment, mountain rescue, or getting you back home by air ambulance if you’re seriously ill.
Official health and travel advisory sites are clear: you should still have comprehensive travel insurance in place.
Remote fjords, Arctic weather and winter sports add extra risk
Whether you’re cruising the Norwegian fjords, chasing the Northern Lights in Tromsø or skiing in the mountains, you’re often far from big hospitals.
If something goes wrong, medical evacuation and changes to your plans can quickly become expensive.
Some travellers must show proof of cover
Norway sits inside the Schengen area, and many non-UK/non-EU travellers applying for a Schengen visa must show travel medical insurance with at least €30,000 of emergency medical cover, including hospitalisation and repatriation.
With Rise & Shield, you get travel insurance for Norway that’s built to handle those “what ifs”, from a twisted ankle in Bergen to a medical emergency on a fjords cruise.
That way, you can focus on the scenery, not the small print.
What your Norway travel insurance does in real life
It’s one thing to read a list of benefits. It’s more helpful to see how Norway travel insurance actually works on your trip. Here are a few examples.
City breaks like Oslo, Bergen and beyond
You get food poisoning on day two and end up needing a doctor and extra nights in your hotel. Or your bag is stolen with your passport, cards and medication inside.
Your policy can help with emergency medical treatment, replacements for lost items (within your cover limits), and additional accommodation costs if you can’t travel home as planned.
Norwegian fjords & coastal cruises
Bad weather or technical issues mean your cruise itinerary changes, and you need to rearrange onward travel. Or you fall ill on board and need treatment in a local hospital, plus new flights home.
With the Adventure Plus add-on, your Norwegian fjords travel insurance can help cover emergency medical costs, repatriation and certain trip disruption costs, depending on the level of cover you’ve chosen.
Cover your trip today
Planning a trip to Norway? Get comprehensive travel insurance for medical needs, trip interruptions, and more with Rise & Shield. Quick & easy.
Winter trips like skiing & Northern Lights adventures
You injure your knee on the slopes and need X-rays, treatment and time off work when you get home. Or flights are delayed due to snow, and you miss the first night of your tour.
Add Winter Sports to your policy, and you’ll have cover for eligible winter activities, plus medical treatment and the knock-on costs of delays, within your policy limits and terms.
Hiking & outdoor activities
You slip on an icy trail above a fjord town and need evacuation and hospital checks. Or bad weather forces your organised activity to be cancelled at short notice.
Here, your travel insurance for Norway is there to step in with medical cover, evacuation, and certain prepaid, non-refundable costs if they fall under a covered reason.
In short: when something unexpected cuts across your Norway plans, from a lost bag in Oslo to an injury on a fjord-side hike, your Rise & Shield policy is designed to help you recover costs, get the right treatment and get home safely.
Is Norway in Europe for travel insurance?
Yes, for most travellers, Norway counts as “Europe” for travel insurance purposes. Here’s how it works in practice:
- Norway is in the Schengen area, alongside most of continental Europe.
- Many UK insurers (including big brands) treat Norway as part of their “Europe” or “European” region, sometimes split into “Europe 1 / Europe 2”.
With Rise & Shield:
- If you’re only visiting Norway (or combining it with other European/Schengen countries), you’ll usually select a European region on our quote engine.
- If you’re visiting Norway and long-haul destinations like the USA, Canada or Asia on the same trip, you’ll need to choose the appropriate Worldwide region instead.
Schengen rules currently allow many UK and other visa-exempt travellers to visit Norway and the wider Schengen area for up to 90 days in any 180-day period without a visa, as long as they meet entry conditions.
Some non-exempt nationalities will need a Schengen visa for Norway, and part of that process can include showing proof of suitable travel medical insurance. It’s another reason to have your Norway travel insurance sorted before you go.
If you’re ever unsure which region to pick, the safest option is to use this interactive destination tool and make sure “Norway” appears under the region you’ve selected.
Choosing the right level of cover for your Norway trip
Once you know Norway is covered as a European destination, the next step is choosing the right level of cover. Here’s how we recommend doing it.
Step 1: Pick the trip type that fits your plans
Think about how you’ll be travelling:
- Single-trip: best for a one-off holiday to Norway.
- Annual multi-trip: if you’re planning several trips in a year (to Norway or elsewhere).
All of these can include travel insurance for Norway; you’re just choosing the format that suits your travel plans.
Step 2: Match your cover to your trip cost & health needs
Next, make sure your policy fits the real-world value of your trip:
- Cancellation cover: Add up your non-refundable flights, accommodation, cruise payments and tours. Choose a level of cancellation cover that would realistically protect most of that spend if you had to cancel for a covered reason.
- Medical cover: Norway has high-quality healthcare, but treatment and evacuation can be expensive. Pick a policy level that gives you comfortable headroom for emergency medical care and getting you home if needed.
Step 3: Add the right extras for what you’ll actually do
This is where your Norway plans really matter:
- Winter Sports add-on if you’ll be: Skiing or snowboarding in Norway, or taking part in covered winter activities (within your policy terms).
- Adventure Plus add-on if you’ll be: Taking a Norwegian fjords cruise or coastal voyage, joining small-ship, Zodiac or fjord-kayaking excursions or doing more adventurous, guided activities covered by this upgrade.
If you’re mostly doing city breaks, museum visits and gentle fjord sightseeing from the shore, your standard Norway travel insurance may be enough.
As soon as you add skiing, snowboarding or cruise-style trips into the mix, it’s important to select the relevant upgrade so we can cover those extra risks correctly.
Step 4: Check the details, then buy online
Before you buy:
- Double-check that Norway is listed under your chosen region.
- Make sure your travel dates, travellers’ details and trip value are correct.
- Confirm that any add-ons you need (Winter Sports, Adventure Plus) are selected.
Once you’re happy, you can buy online in a few clicks. Your Norway travel insurance documents will be emailed to you, ready to show to airlines, tour operators or border officials if they ask.
Before you go: Norway health & safety checklist
A bit of prep goes a long way. Before you travel to Norway, we recommend you:
- Check the latest official travel advice for Norway: Look up current entry rules, local safety information and any regional alerts before you fly. Official UK travel advice is updated regularly and is the best place to start.
- Confirm how long you can stay: Norway is in the Schengen area. Most visitors can stay for up to 90 days in any 180-day period without a visa, but it’s your responsibility to make sure you meet the rules for your nationality.
- Sort your health cover: If you’re eligible, take a GHIC or EHIC with you; these cards can help with medically necessary state healthcare in parts of Europe, but they’re not a substitute for travel insurance. You should still have comprehensive Norway travel insurance in place to cover private care, repatriation and other costs.
- Check routine vaccinations and medication: Make sure your routine vaccinations are up to date and that you have enough prescription medication for the whole trip (plus a bit extra in case of delays). A travel health resource or your GP can advise if there’s anything specific you should think about for Norway.
- Save important numbers: In Norway, the main emergency numbers are: 110 (fire), 112 (police) and 113 (ambulance). Add these, plus our 24/7 assistance line from your policy documents, to your phone before you go.
- Keep your documents handy: Take your passport, policy documents, proof of insurance and any visa paperwork in your hand luggage. Cruise lines, tour operators or border officials may ask to see proof of travel insurance, especially for longer or more complex trips.
With the basics covered and travel insurance for Norway in place, you’ll be in a much better position if anything unexpected crops up.
Travel insurance for Norway FAQs
Do I really need travel insurance for Norway?
Yes. Norway is a safe country with excellent healthcare, but treatment and evacuation can be expensive, and you could face other costs if your trip is cancelled, delayed or disrupted.
Travel insurance helps protect you against those financial shocks so a single incident doesn’t turn into a major bill.
Is Norway covered by European travel insurance policies?
In most cases, yes. Norway sits in the Schengen area, and many insurers (including us) treat it as part of a European region for travel insurance.
With Rise & Shield, you’ll usually select a Europe region if you’re only visiting Norway (or combining it with other European countries), and a Worldwide region if your itinerary goes further afield.
Cover your trip today
Planning a trip to Norway? Get comprehensive travel insurance for medical needs, trip interruptions, and more with Rise & Shield. Quick & easy.
Does a GHIC or EHIC cover me in Norway instead of insurance?
No. A GHIC or EHIC can sometimes help you access medically necessary state-provided healthcare at a reduced cost, but it doesn’t cover private treatment, mountain rescue, repatriation, baggage, cancellations, or many of the other things travel insurance covers.
Official guidance is clear: you should still arrange comprehensive travel insurance for Norway, even if you have a GHIC or EHIC.
How much medical cover do I need for Norway?
As a rule of thumb, you’ll want a limit that comfortably covers emergency treatment, hospital stays and getting you back home if needed.
Schengen visa rules require at least €30,000 of emergency medical cover for travellers who need a visa, and many comparison sites recommend using that as a minimum benchmark.
With Rise & Shield, you can choose from different levels of cover to match your budget and risk comfort.
Do I need special insurance for a Norwegian fjords cruise?
You don’t usually need a totally separate policy, but you do need to make sure cruise-style trips and fjord excursions are covered.
With Rise & Shield, you start with our standard Norway travel insurance, then add the Adventure Plus upgrade if you’re taking a fjords cruise, small-ship voyage or similar adventures.
That way, we can properly cover the extra risks that come with being at sea and in remote places.
Do I need winter sports cover to ski in Norway?
Yes. If you’ll be skiing, snowboarding or taking part in other covered winter sports, you should add our Winter Sports upgrade when you buy your policy.
That ensures injuries on the slopes and certain winter sports equipment are treated as insured events, within the terms and limits of your policy.
Will travel insurance cover me if my flight to Norway is delayed or cancelled?
It depends on the reason and the level of cover you choose.
Many of our policies include benefits for travel delay, missed departure and trip cancellation where the cause is a covered event, for example, serious illness, certain strikes, or bad weather that closes airports.
Always check your policy wording to see exactly what’s included before you buy.You might also like
If you’re planning a trip to Norway, you might also be looking at these destinations, resources and adventure policies:
- Winter sports insurance: perfect if you’re skiing or snowboarding in Norway or elsewhere in Europe.
- Ski insurance: dedicated information for ski holidays, with links to off-piste and family ski cover.
- Off-piste ski insurance: for more adventurous skiing and snowboarding, where terrain and risk levels go up a notch.
- Travel insurance Iceland: similar landscapes, Northern Lights and winter conditions, so a natural next step for many Norway-curious travellers.
- Arctic travel insurance: if your Norway plans include Svalbard or broader Arctic cruises starting or passing through Tromsø.
- Everything you should know about polar cruise insurance: deep-dive blog on medical cover, heli-evac and cancellation for polar and Arctic-style cruises.
If your Norway adventure involves serious hiking or multi-day trekking:
- Trekking insurance: for classic low- to mid-altitude routes up to 3,000m.
- Travel insurance for trekking up to 6,500m: for high-altitude expeditions where things get steeper and more remote.
Cover your trip today
Planning a trip to Norway? Get comprehensive travel insurance for medical needs, trip interruptions, and more with Rise & Shield. Quick & easy.
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