Compare travel insurance for Iceland
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Compare travel insurance for Iceland
Knowing you have the right travel insurance before you visit Iceland can help you feel relaxed on your trip. Though most tourists have a safe and memorable time in this historic country, it has some specific risks to prepare for.
In this guide, we explain why you might want to get travel insurance for your Icelandic adventure. We also provide some handy tips on what to look for when comparing policies to help you get the right cover for the right price.
Key takeaways about travel insurance for Iceland
- For annual multi-trip policies, Iceland is typically covered by European travel insurance. For single-trip policies you’ll have to declare each country you will be visiting to make sure you are covered for your entire trip. Destination cover can vary between insurers, so it’s a good idea to check your policy’s wording.
- Brits can use valid EHICs and GHICs to access state-provided emergency healthcare in Iceland. These cards can’t cover costs for other non-medical emergencies, so many tourists still choose to get travel insurance cover to fill these gaps.
- Some activities, such as winter sports or glacier hiking, may need additional cover depending on your policy.
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What is travel insurance for Iceland?
Iceland travel insurance works the same as any other travel insurance policy. It just makes sure you’re covered for the specific risks involved in visiting Iceland.
There are multiple travel insurance options to choose from, such as single-trip, annual multi-trip and long-stay cover. The type of policy you need will depend on your personal circumstances and holiday plans.
Why you may need travel insurance for Iceland
Although travel insurance isn’t usually compulsory to enter Iceland, it can offer some peace of mind if unexpected costs arise during your trip. For example, if you fall ill or get injured, having travel insurance can help towards the cost of treatment.
People with a valid UK Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC) can access medically necessary state healthcare in Iceland. But these cards have limits. They don’t cover mountain rescue or the cost of being brought back to the UK. Ambulance services may also come with a charge. Because of this, many travellers choose travel insurance to help cover costs that fall outside GHIC or EHIC protection.
Travel insurance can also help cover other unexpected costs from your trip. If your baggage is lost or stolen, or your flights are cancelled for reasons outside of your control, you may be able to make a claim. Some travel insurance policies even provide cover for natural disasters, which can be relevant for trips to Iceland.
Iceland experiences occasional volcanic activity, which can sometimes affect travel plans. While most events are minor, having the right travel insurance can provide extra reassurance. Always check the government’s foreign travel advice for Iceland before your trip to make sure you’re prepared.
Does Iceland count as Europe for travel insurance?
For annual multi-trip policies, Iceland is often included in European travel insurance categories. Though it isn’t a member of the EU or part of the main European landmass, it is a part of the European Economic Area (EEA). That means some European travel insurance policies can cover it.
Every insurer is different, so it’s a good idea to check the specific inclusions in the policy you’re looking at before committing to it. This will help you choose cover that fits your plans. If you have, or you’re looking at buying, a single-trip policy, you’ll need to disclose all of the countries you’ll be visiting to ensure your travel insurance covers all of them.
When do I need to declare I’m going to Iceland?
Buying travel insurance for Iceland as soon as you book can give you protection in case of cancellations — even before your trip starts. That way, if unforeseen circumstances stop you from going away, you might be able to claim for some expenses.
If you already have an annual travel insurance policy, you may want to check the wording to make sure you have cover for Iceland. You might also look into add-on cover for any special activities you’re planning that aren’t included in standard policies.
What does travel insurance for Iceland cover?
What is covered by travel insurance policies can vary between insurers. The cover you need depends on your individual circumstances, so it’s always worth thinking about what’s important to you and comparing different options.
Here are some inclusions to look for if you’re looking for travel insurance for Iceland.
Medical treatment | A GHIC or EHIC won’t cover non-emergency healthcare costs. So, many tourists look for high levels of medical cover so they have options if something happens on holiday. |
Emergency repatriation | The cost of being brought back to the UK can be significant. Check that your policy includes cover for repatriation (emergency flights home) so you know you have this protection |
Cancellation and curtailment | If your trip is called off or delayed for reasons outside of your control, cancellation cover may allow you to claim some non-refundable expenses back. |
Lost, stolen or damaged baggage | Most travel insurance will cover your luggage in case it gets lost, stolen or damaged during your trip. It’s worth checking the single-item limit in your policy to see if you need extra cover for your valuables. |
Personal liability | Personal liability insurance can cover legal costs and compensation fees if you accidentally hurt someone or damage something while you’re abroad. |
What travel insurance for Iceland may not cover
Every travel insurance policy has its limitations. Knowing what isn’t included in your travel insurance for Iceland will help you understand your cover and make more informed choices during your trip.
Exclusions can vary between insurers, but here are some common ones to look out for.
Undeclared pre-existing medical conditions | Insurers are unlikely to accept claims linked to a pre-existing medical condition that you haven’t told them about, especially if you’re travelling against medical advice. Every situation is different, but being honest about your health history can help you avoid claim rejections if you become ill during your trip. |
Natural disasters | Some insurers exclude natural disasters like volcanic eruptions, earthquakes and severe weather in standard policies. Checking your policy’s ‘force majeure’ or natural disaster limitations can help you understand whether you need additional protection. |
Adventure activities | Hiking, mountaineering and other adventure sports aren’t usually included in standard travel insurance policies. If you’re planning an action-packed holiday, it’s worth checking what’s included in your policy. |
Alcohol- and drug-related incidents | Accidents caused by reckless behaviour are rarely covered by travel insurance. Iceland has heavy penalties for illegal drugs, and its drink-driving limits are lower than the UK's. Check your policy’s wording to better understand the boundaries of your cover. |
Travelling against advice | The Foreign, Commonwealth & Development Office provides up-to-date information about known travel risks. Going somewhere where travel is advised against can affect the validity of your travel insurance. So, it’s always wise to check the latest foreign travel advice for Iceland before you book a trip. |
Do you need winter sports cover for Iceland?
Iceland offers a range of exciting winter sports activities, from glacier hiking to skiing and snowmobiling. If you plan to take part in anything like this, it’s worth checking the list of activities included in your travel insurance policy before you book.
It’s worth being aware that you may need to buy additional winter sports cover to make sure you’re protected if something unexpected happens. For example, winter sports cover can include medical emergencies, equipment, piste closures and avalanches or landslides that could impact your trip.
Do you need cruise cover for Iceland if my cruise stops there?
Cruise trips have unique requirements when it comes to travel insurance. No matter where you’re stopping, cruise cover will give you protection for situations like missed ports, cabin confinement or medical care at sea.
It’s generally a good idea to make sure your cruise insurance policy includes every country on the itinerary. Speak to a member of our team, who can help you figure out what type of cover you need.
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How to compare travel insurance for Iceland
Shopping around for Iceland travel insurance? There are a few things you might want to consider to make sure you’re getting the right cover without paying too much.
Think about the level of cover you’re comfortable with for your individual circumstances. For example, if you’re bringing valuable items like a camera or laptops on your trip, you might prioritise high levels of single-item cover.
Many travellers also look for generous medical cover so they can access high-quality healthcare overseas. And if you’re travelling with children, you might be able to save time and money by getting family cover.
The more information you can give insurers, the more accurate your quotes will be. Using a specialist travel insurance comparison site can help you narrow down your options and compare policies side by side. By doing your research and thinking about the level of protection you need, you can find a fit-for-purpose policy that suits your budget.