Norway travel insurance and destination guide

June 23, 2025

This guide will help you navigate the essential aspects of your Norwegian journey, including top destinations, Norway travel insurance options, visa requirements, health considerations, and local customs.

Norway, the Land of the Midnight Sun, offers travelers breathtaking fjords, vibrant cities, and pristine wilderness experiences. From the dramatic landscapes of the Lofoten Islands to the cultural richness of Oslo and Bergen, this Scandinavian nation provides unforgettable adventures for every type of traveler. UnitedHealthcare Global's SafeTrip travel protection can help create a more secure and memorable trip to this remarkable Nordic destination.

Travel protection for Norway

Exploring Norway's diverse landscapes and unique culture requires thoughtful preparation, including securing appropriate travel protection. UnitedHealthcare Global Safetrip provides tailored travel insurance plans for Norway designed specifically for travelers visiting this Scandinavian destination. From medical coverage for unexpected health emergencies to protection against weather-related travel disruptions, SafeTrip offers plans to suit various travel needs. With 24/7 support services and coverage for outdoor activities, you can explore Norway's stunning fjords and vibrant cities with added confidence.

Why you need travel insurance in Norway

Traveling to Norway offers incredible experiences, from witnessing the Northern Lights to exploring dramatic fjords and engaging in outdoor adventures. However, unexpected events can impact your journey, making travel protection essential for a trip with reduced worry.

• Medical emergencies: Despite Norway's excellent health care system, visitors must pay for all non-emergency medical services, which can be expensive. Travel protection can help cover medical costs, including hospital stays and emergency medical evacuation.
• Weather-related disruptions: Norway experiences extreme weather conditions, including heavy snowfall, storms, and freezing temperatures that can cause flight delays, cancellations, or road closures. A tailored protection plan can help cover accommodation and rebooking costs if your itinerary is affected.
• Adventure activities: Norway is renowned for skiing, hiking, and Arctic expeditions. If you're planning on engaging in these activities, travel protection can provide coverage in case of accidents or injuries.
• Trip cancellations and delays: Unexpected disruptions due to weather, strikes, or personal emergencies can be costly. Travel protection can reimburse you for non-refundable expenses.
• Environmental hazards: Natural risks such as avalanches, landslides, and extreme cold temperatures in remote areas can impact travel plans and create safety concerns.

What to consider when choosing a tailored travel protection plan

When selecting travel protection for your Norwegian adventure, consider several key factors.

First, evaluate the level of medical coverage, including emergency medical evacuation, so you are protected in case of unexpected health issues. It's also crucial to look for plans that cover trip cancellation or interruption, providing financial protection if your trip is unexpectedly cut short.

Additionally, opt for plans that offer 24/7 support services, which can be invaluable in emergencies. If you plan to engage in winter sports or Arctic activities, confirm the plan provides coverage for these activities.

SafeTrip travel protection plans

SafeTrip offers a range of travel protection plans tailored to meet the diverse needs of travelers heading to Norway:

International Travel Medical Plus

The SafeTrip International Travel Medical Plus plan is perfect for those seeking combination coverage. It includes emergency medical coverage, emergency medical evacuation, trip cancellation/interruption, and 24/7 support services. This plan is particularly valuable for adventurous travelers who might engage in activities like skiing in the dramatic landscapes of Lillehammer, hiking through the stunning Geirangerfjord, or experiencing the Arctic wilderness of Svalbard. You can add an extreme sports add-on to your plan for additional adventure coverage.

International Travel Medical

Ideal for travelers focusing primarily on health coverage, the International Travel Medical plan provides robust medical benefits, including emergency medical evacuation and medical referrals. It's an excellent option if your main concern is medical security while traveling through Norway. It offers added confidence when facing potential health risks such as cold-related injuries in Arctic regions or unexpected illnesses in remote areas like northern Finnmark.

Each of our SafeTrip plans is designed to offer the added confidence you need, allowing you to immerse yourself in the beauty and culture of Norway with reduced stress. All plans include 24/7 support so you can know there is help a phone call away. From medical emergencies to lost luggage SafeTrip has you covered, letting you focus on making unforgettable memories.

Traveling to Norway

Norway offers a treasure trove of experiences for every traveler, from Arctic adventures to cultural discoveries in charming cities.

Places to go and things to do

If you are looking for a diverse range of experiences across stunning landscapes, here are some must-visit destinations and activities to explore in Norway:

1. Oslo: Explore the vibrant capital city, visit the Viking Ship Museum, and experience the modern architecture of the Opera House.
2. Bergen: Discover the colorful wooden houses of Bryggen, ride the Fløibanen funicular, and explore nearby fjords.
3. Geirangerfjord: Cruise through this UNESCO World Heritage site and witness spectacular waterfalls like the Seven Sisters.
4. Lofoten Islands: Experience dramatic peaks, pristine beaches, and traditional fishing villages in this Arctic archipelago.
5. Tromsø: Hunt for the Northern Lights, visit the Arctic Cathedral, and experience Sami culture.
6. Stavanger: Hike to the famous Preikestolen (Pulpit Rock) and explore the charming old town.
7. Trondheim: Visit the impressive Nidaros Cathedral and stroll through the historic Bakklandet district.
8. Svalbard: Experience the ultimate Arctic adventure with polar bear encounters and midnight sun.
9. Atlantic Road: Drive along this spectacular route with its dramatic bridges connecting small islands.
10. Flåm: Take the famous Flåm Railway, one of the world's steepest train rides through breathtaking mountain scenery.

Best times to visit

Norway's climate varies significantly across the country, making different seasons ideal for various activities. Generally, the best time to visit depends on your planned activities and destinations.

Summer (June to August): This is peak tourist season with warm temperatures, long daylight hours, and the midnight sun in northern regions. It's perfect for hiking, fjord cruising, and outdoor activities. However, accommodation prices are highest during this period.

Winter (December to March): Ideal for Northern Lights viewing, skiing, and winter sports. Arctic regions experience polar night, creating perfect conditions for aurora sightings. Winter activities like dog sledding and snowmobiling are at their best.

Spring (April to May) and Autumn (September to November): These shoulder seasons offer fewer crowds, lower prices, and unique experiences like spring skiing or autumn foliage. Weather can be unpredictable, so having travel protection provides added confidence in case of weather-related disruptions.

Frequently asked questions about traveling to Norway

Understanding visa requirements, health considerations, and travel protection options can help create a more enjoyable Norwegian adventure.

Do U.S. citizens need travel insurance in Norway?

Travel protection is not required to enter Norway, but it is highly recommended. Travel protection plans can help protect you from unforeseen circumstances, giving you added confidence and backup in case of a travel or medical emergency, especially given Norway's high medical costs for visitors.

What documents do I need to travel to Norway as a U.S. citizen?

U.S. citizens can enter Norway for tourism or business purposes for up to 90 days within a 180-day period without a visa. Your passport must be valid for at least three months beyond your planned departure date from the Schengen area. Norway is part of the Schengen Agreement, allowing free movement between member countries.

For the most up to date information on Norway entry requirements, visit the U.S. Department of State and the Embassy of Norway for details.

What vaccinations are required?

No special vaccinations are required for travel to Norway. The country maintains high health and sanitation standards, and routine vaccinations should be up to date. For recommended and required vaccinations as well as preventative treatment for travel to Norway, visit the U.S. Centers for Disease Control and Prevention.

How much does travel insurance cost in Norway?

Travel protection costs vary based on several factors, including your age, trip duration, coverage level, and planned activities. Premium costs typically represent a small percentage of your total trip cost but can provide significant financial protection against unexpected events. Factors that may influence pricing include coverage limits, deductibles, and additional benefits like adventure sports coverage.

Is health care free in Norway for foreigners?

Norway's health care system provides emergency care free of charge to visitors, but all other medical services require payment. Private medical facilities and specialists can be expensive, and most health care providers expect payment at the time of service. Having travel protection can help cover these costs and provide access to quality care when needed.

What happens if you get sick in Norway?

If you become ill in Norway, you can access high-quality medical care at public hospitals and private facilities. Emergency services are available by calling 113 for medical emergencies. Medical staff commonly speak English, making communication easier for international visitors. European Health Insurance Card (EHIC) holders are likely to see lower costs for health care while in Norway, although, non-emergency care can be expensive for tourists who do not have a EHIC, making travel protection valuable for covering medical expenses.

Norway travel tips and safety information

Understanding local conditions and safety considerations can help create a more enjoyable and secure Norwegian experience.

Emergency contact numbers and local assistance

Emergency numbers to be dialed locally:

• Ambulance and medical emergency services: 113
• Fire: 110
• Police: 112
• Search and rescue: 112

Ambulance services in Norway are reliable and of good quality, with emergency services available at regional and university hospitals throughout the country.

Norway local laws and customs

Respecting local customs and understanding Norwegian culture can enhance your travel experience:

• Norway is a modern, egalitarian society with strong environmental consciousness and outdoor recreation culture.
• Punctuality is highly valued, so arrive on time for appointments and social gatherings.
• Norwegians appreciate personal space and tend to be reserved in public settings, but are helpful when approached directly.
• Tipping is not customary but appreciated for good service, typically 5-10%, or round up to the next 100, in restaurants if service charge is not included.
• Alcohol is expensive and subject to strict regulations, with limited sale hours and government-controlled liquor stores.
• Outdoor recreation follows the "Right to Roam" principle, allowing access to wilderness areas with respect for nature and property.
• Environmental protection is taken seriously, so follow “Leave No Trace” principles and respect wildlife.

Health risks and medical facilities

Norway maintains high health and safety standards with minimal health risks for visitors. The main concerns relate to environmental factors rather than disease:

• Cold-related injuries: Frostbite and hypothermia can occur in Arctic regions and during winter activities.
• Altitude sickness: Can affect travelers in mountainous regions, particularly during rapid elevation changes.
• Food safety: Food and tap water are considered safe throughout Norway.
• Arctic conditions: Extreme cold and polar night conditions in northern regions require proper preparation and equipment.

Medical facilities in Norway meet international standards, with five major regional hospitals and numerous county and local hospitals providing specialist treatments.

Diseases and health risks

Norway presents minimal disease risks for travelers, with excellent sanitation and health care infrastructure. The primary health considerations are environmental:

• Environmental hazards: Cold exposure, avalanche risk in mountain areas, and polar bear encounters in Svalbard.
• Seasonal affective conditions: Limited daylight during winter months in northern regions can affect some travelers.
• Adventure activity risks: Skiing, hiking, and water activities carry inherent risks requiring proper equipment and preparation.

Staying safe in urban and rural areas

Norway is one of the world's safest countries, with low crime rates and stable political conditions. However, travelers should remain aware of their surroundings:

• Urban areas: Petty crime like pickpocketing can occur in tourist areas, particularly in Oslo during peak season.
• Rural and remote areas: Weather conditions and natural hazards pose greater risks than crime, requiring proper preparation and equipment.
• Transportation safety: Road conditions can be challenging during winter, requiring winter tires and cold-weather driving experience.

Additional tips for traveling to Norway

Consider these practical suggestions for a successful Norwegian adventure:

• Norway is expensive, so budget accordingly for accommodation, dining, and transportation costs.
• Pack appropriate clothing for weather conditions, including waterproof and insulated layers for outdoor activities.
• Book accommodations well in advance, especially during summer months and Northern Lights season.
• Consider purchasing the Oslo Pass or Bergen Card for discounts on attractions and public transportation.
• Respect wildlife and maintain safe distances from animals, particularly in Svalbard where polar bear encounters are possible.
• Download offline maps and emergency contact information, as cell coverage can be limited in remote areas.

Choose SafeTrip for your Norway travel insurance

For travelers seeking reliable protection while exploring Norway's spectacular landscapes and vibrant culture, UnitedHealthcare Global's SafeTrip stands out as an excellent choice. With Norway travel insurance protection tailored to the unique needs of travelers exploring this remarkable Nordic nation, SafeTrip provides added confidence through benefits such as medical coverage, emergency medical evacuation, and 24/7 support services.

SafeTrip plans are designed to cover a wide range of activities, creating a more secure experience as you explore Norway's dramatic fjords, Arctic wilderness, and charming cities.

Choose SafeTrip for your travel protection needs while exploring Norway, so you can immerse yourself fully in the country's natural beauty, rich culture, and unforgettable experiences, knowing you are protected every step of the way.

Sources:

• UnitedHealthcare Global Intelligence Center
• U.S. Department of State
• Embassy of Norway
• U.S. Centers for Disease Control and Prevention