What travel health insurance do I need when visiting Iceland?

PRO-TIP: Travel Insurance is mandatory for a Schengen visa!

NAME: Axel Strauss
DATE: 08/20/2025

Are you thinking about a once-in-a-lifetime adventure to Iceland? An unforgettable epic journey to the land of glaciers, volcanoes, the Northern Lights, and - depending on whom you ask - elves? Well, you’re not alone! This unequivocally magical island - with its breathtaking beauty and unique, unparalleled history, people, and culture - captivates millions of international visitors each year. And it also happens to be one of the safest countries on the planet.

Even so, life can be unpredictable. Especially when you’re so far away from your everyday. So having the right travel insurance in the land of fire and ice is, therefore, a good call. Moreover, if you happen to need a Schengen visa for Iceland - it’s mandatory. Either way, you’re in luck - because Schengen travel insurance pros AXA got your back!

• Is travel insurance mandatory for Iceland?
• What are the travel insurance requirements to be granted a Schengen visa for Iceland?
• I don’t need a Schengen Visa. Do I still need travel insurance?
• Why choose AXA travel insurance for Iceland?
• What travel insurance options for Iceland (and/or a Schengen visa) does AXA offer?
• What should I do if I am injured or ill while in Iceland?
• What else should I know when prepping for my trip to Iceland?

Is travel insurance mandatory for Iceland?

It might very well be. And that’s because the remote magical island of Iceland, while not in the European Union, is still a member of the Schengen Zone. And like all Schengen countries, it thus requires most of its visitors to have a Schengen visa to cross its borders (for stays of up to 90 days in any 180-day period*).

*PRO-TIP: AXA can gladly help you wrap your head around the 90/180-day rule too, by the way!

Meanwhile, to be granted a Schengen Visa (for Iceland or anywhere else), it’s mandatory that you have the proper travel insurance. We’ll get into that in a sec. But first, here’s a quick look at where you stand visa-wise.

Which travelers don’t need a Schengen visa to come to Iceland (for stays of less than 90 days)?

You won’t need a Schengen visa for Iceland if you are:

-A citizen of a Schengen country

-A citizen of one (or more) of the non-Schengen European Union member countries

-A holder of a valid residence permit issued by a Schengen Area member country

-A national of one (or more) non-EU countries and territories that have signed visa exemption agreements with the EU. These include Australia, Brazil, Canada, Hong Kong, Japan, Mexico, the U.K.,* the U.S., for example (and roughly 50 more).

*NOTE: If you are a U.K BRP (i.e., biometric residence permit) and/or IRL (i.e., indefinite leave to remain) holder, then whether you need a Schengen visa or not depends on whether the country where you hold citizenship has signed a visa-free travel agreement with the Schengen Area. So consult the UK Government’s Official Website’s Travel to the EU/Schengen section, the Official Website of the EU, and that of your home country, to make sure you have all the latest info.

Which travelers are required to apply for a Schengen visa for Iceland?

If you are, however, a citizen of over 100 nations worldwide that have yet to sign a visa-waiver agreement with the EU, you will indeed need a Schengen visa for Iceland (and, therefore, the appropriate Schengen travel insurance).

This generally includes visitors from China, India, Russia, any African nation, and so on.

PRO-TIP: Still not sure where you stand? Don’t worry! Not only does the European Commission’s official website offer full lists of countries exempt and not exempt from the Schengen visa (and other helpful visa info), but we here at AXA can also help you answer one of the most common European traveler questions in the world (in no time), i.e.:

Do I need a Schengen visa?

How do I apply for a Schengen visa for Iceland?
 

Furthermore, if the answer is yes, then AXA can also gladly help answer the following too:

How do I apply for a Schengen visa for Iceland?

What type of Schengen visa do I need?

How much does a Schengen visa cost?

How long does it take to process a Schengen visa?

…and, generally speaking, any other Schengen visa questions (be it for Iceland or anywhere else) you might dream of! So click around, explore, and let AXA help you apply in no time!

What are the travel insurance requirements to be granted a Schengen visa for Iceland?

A solid travel insurance plan is one of the primary (and mandatory) requirements for being granted a Schengen visa - be it for Iceland or anywhere else. Not only that, but - according to the European Commission - your plan must:

• be purchased from an insurance company validated by the consular authorities of all Schengen countries
• have a minimum coverage of €30,000 in medical expenses (such as hospitalization, emergency treatment, and repatriation – including in case of death);
• cover you in all the Schengen member countries (not just Iceland)
• be valid for the entire duration of your stay in the Schengen Area.

Fortunately, AXA’s plans meet all the criteria above!

PRO-TIP: And if you like, we can also gladly tell you all the specifics for (and reasons behind) the travel insurance requirements for a Schengen visa.

I don’t need a Schengen Visa. Do I still need travel insurance for Iceland?

No. If you don’t need that Schengen visa, then travel insurance for Iceland is technically not mandatory. But that in no way means it’s a bad idea!

Iceland beckons travelers with its glacier hikes, volcanic exploration, geothermal dips, and breathtaking natural beauty near and far.

In fact, it's an adventure paradise from coast to coast - including in its capital city of Reykjavik. But while the elves traditionally tend to be quite harmless, don't let the stunning scenery lull you into a false sense of security.

For example,weather can turn nasty in a flash, with high winds, freezing rain, and temperatures dropping so low you’ll know immediately where the island gets its name.

On the other hand, hitting some hot springs for a dip? The water can be a bit warmer than you expected too.

The major cities, meanwhile - while some of the safest in the world - are not immune from petty crime and accidents, especially in the more touristy areas.

And don't get us started on the power of sneaker waves or the occasional glacial outburst flood (you can Google those).

In short, no matter the nature of your trip, it’s best to both embrace the adventure and play it safe. Unexpected detours can happen. And the proper travel insurance can be your guardian angel (or guardian elf, if you will) in this land of fire and ice.

With it, you can focus on the awe-inspiring wonders with ease, confidence, and peace of mind. Not to mention having proper, professional support if something does go wrong.

Why choose AXA Schengen for my travel insurance for Iceland?

So visa or no visa, a few more selling points as to why AXA is your number one go-to for Iceland are that we:

• Have no age limit, zero deductibles, and require no medical exams
• Offer a quick, easy, and hassle-free online subscription
• Provide a certified, world-renowned travel insurance certificate (instantly, via email)
• Are accepted by all Schengen (and, therefore, Icelandic) embassies, consulates, and visa application centers worldwide
• Offer coverage of medical expenses and repatriation costs of up to €1 Million or even €2 Million
• Include both civil liability and personal liability insurance
• Include death and/or disability coverage
• Offer baggage insurance (included or optional, depending on the plan)
• Offer customizable plans with multiple upgrade options
• Are valid for Iceland + the rest of the Schengen area + the European Union + the United Kingdom (depending on the plan, that is - see below)
• Offer flexibility - i.e., are available for just one day, up to six months, or up to a full year
• Provide 24/7 emergency assistance
• Offer free remote medical consultation - in English and a number of other languages - with our unique Doctor, Please! feature
• Can be purchased on behalf of someone else (by simply providing their info)

Plus, if for some reason your Iceland visa application is denied, AXA’s plans are refundable in most cases! We’ll only ask that you provide an official explanation as to why it was refused.

And, finally, with AXA, you get the security and peace of mind that comes with knowing you’re supported by a world-renowned, decades-trusted Schengen travel insurance brand!

What travel insurance options for Iceland (and/or a Schengen visa) does AXA offer?
 

In terms of the coverage options themselves, here’s a clickable glimpse of how AXA’s got your back in Iceland (and beyond):

-AXA SCHENGEN BASIC: our simple, standard plan meets all the requirements for your Schengen visa and covers you in Iceland + all Schengen countries + European microstates (San Marino, Andorra, Monaco, and Vatican City). It’s perfect for those traveling on a budget!

-AXA SCHENGEN ESSENTIAL: European coverage that’s complete, reliable, and affordable. Has all you need for a Schengen visa, upgradable options (such as baggage protection), and covers you not just in Iceland + all Schengen countries + all EU countries + the European microstates above, but also the UK.

-AXA SCHENGEN PREMIUM: our all-inclusive, premium plan gives you the most complete and worry-free coverage imaginable. It meets all necessary Schengen visa requirements, and has your and your family’s back in Iceland + all other Schengen countries + all EU countries + the European microstates + the UK too.

-AXA SCHENGEN ANNUAL: and, finally, our annual plan is specifically catered to frequent travelers and/or holders of (and applicants for) multiple-entry visas.
ANNUAL also meets all Schengen visa requirements and provides coverage across all Schengen countries + all EU countries + the microstates + the UK. However, with all that, it also offers a single contract for a full year of European travel!

So as you map out your Icelandic journey (and/or visa application process),be sure to
 

That way, whether you believe in elves or not, your Icelandic travels are sure to be magical in every sense of the word!

What should I do if I am injured or ill while in Iceland?
 

No matter where in Iceland you happen to be — remember that AXA got your back. And in case of a medical emergency, you should contact the AXA Schengen call center at the number provided on your insurance policy immediately.

Medical assistance professionals will answer your questions and advise you 24/7. We’ll also help you find the medical center closest to your location and best suited to your situation.

What to Provide When Contacting AXA's Call Center
 

During your call, we’ll ask you to provide the following info:

-The number of your policy (which begins with “SCH”);

-The address and telephone number at which you can be reached (as well as the details of any people that can be contacted locally);

-Your dossier number (communicated at the time of the first call).

IMPORTANT NOTE: Remember to always keep bills/invoices and enclose them with your file. And keep your phone charged too.

Emergency numbers in Iceland

The single most important emergency number in Iceland is 112.

112 is the number you call in case of accidents, fire, crime, and search and rescue (as well as for info/reports regarding natural disasters on land, at sea, or in the air).

But here are three more that may prove helpful (depending on the situation):

-Medical emergencies (if unable to reach 112): +354 544 4111 (Landspítali National University Hospital)

-Police (non-emergency): +354 1761 (Reykjavík Metropolitan Police)

-Iceland Coast Guard (search and rescue at sea): +354 416 2222

So, 112 — and maybe jot down the others just in case too. And if you know a local, even better. Oh, and, of course, remember to keep your phone charged — especially when exploring the more remote parts of the island.

What else should I know when prepping for my trip to Iceland?
 

And now here's some more basic info to help you prepare for your epic Icelandic adventure:

Safety

Iceland boasts a very low crime rate. However, you should always use diligence in the more touristy areas. And be aware of unpredictable weather conditions - especially if you're planning on venturing into the wilderness.

Weather

Because the weather tends to be - well, Icelandic. Winter is rough, and even the average summer temperatures tend to stay within the 10–13 °C (or 50–55 °F) range.

So pack layers - and especially waterproof gear (as rain and wind are commonplace). Oh, and a swimsuit for those hot springs, of course.

Currency

Iceland uses the Icelandic króna (ISK). The exchange rate in late 2025 was roughly 1 USD = 122.47 (or 1 EUR = 143.20 ISK). But double-check!

PRO-TIP:: Since Iceland is not in the EU (nor the Euro Zone), it — for the most part — does not accept Euros. So while many touristy places will take US and Canadian dollars, Euros, and some other currencies, it’s best to stock up on those krónas before your trip.

Medical Costs

Iceland's healthcare system works a bit differently than some other countries. Due to universal healthcare, residents typically don't pay the full cost of most medical services. However, there are still some out-of-pocket expenses for visitors and residents alike.

Generally speaking, you can expect to pay between 10,000 ISK and 20,000 ISK (around €70 to €140) for a basic doctor's visit. And fees for specialists, tests, complex treatments, prescriptions, and so on will likely be higher. Which is again why travel insurance - especially for unexpected situations - can be a wise decision for peace of mind during your trip.

Public Transport

Iceland's public transportation system relies heavily on buses. The company Strætó operates the city buses in Reykjavík, for example, offering frequent service across 27 routes. To save a few króna, consider a Reykjavík City Card — valid for 24, 48, or 72 hours — for unlimited travel during your stay.

Strætó also offers intercity routes; however, frequencies in service decrease (especially during winter months). So booking day tours and/or renting a car might be a better option for venturing out.

Driving

If you're planning a road trip, a valid driver's license from your home country should be enough. And while an International Driving Permit (IDP) is sometimes recommended, it is not always mandatory.

PRO-TIP: Driving conditions in Iceland can be tricky, especially during winter and/or in rural areas. So use caution.

Opening Hours

Most shops in Iceland operate from 10:00 am to 6:00 pm on weekdays, until 4:00 pm (for the most part), and are often closed on Sundays. But this, of course, again depends on how touristy the area is.

Restaurants

Reservations are recommended for popular restaurants, particularly during the tourist peak season (June to August). Make sure to check opening hours in advance (as some restaurants may close between lunch and dinner service). Typical restaurant hours tend to be from 11:00 am to 2:00 pm for lunch, for example, and 5:00 pm to 10:00 pm for dinner. But many do stay open later - especially in Reykjavik.

The Icelandic kitchen itself, meanwhile, tends to have a strong emphasis on seafood. And is, like the country itself, wholly unique (and usually fresh and delicious).

FINAL PRO-TIP: To further better plan your trip, you can learn more courtesy of both the Government of Iceland’s official website and Visit Iceland (aka “the official tourism website for Iceland”). And remember — AXA got your back as soon as you’re ready.

Related articles :
 

• How much does Schengen travel insurance cost?
• How do I choose the best Schengen travel insurance for my trip?
• Which European countries are not in the Schengen Zone?

FAQ

Can I take out AXA Schengen travel health insurance for Iceland on behalf of someone else?

Yes! With AXA, you can purchase a plan for a loved one, a friend, and/or any visiting guests with ease. To ensure they’re fully covered, you’ll only need to provide their personal info (i.e., their DOB, address, passport number, and itinerary).
PRO-REMINDER: And remember, their plan will then cover them both in Iceland and well beyond!

Are the Schengen Zone and the European Union the same thing?

No. While most Schengen countries are in the EU (and vice versa), these two entities are not one and the same. In fact, Iceland is a prime example - being a member of the former but not the latter! But fear not - AXA can help you understand all the key differences between Europe, the EU, the Schengen Zone, and the EEA in no time too.

Can I visit other European nations on an Icelandic Schengen visa?

Yes, you can, but - again - not all of them. Because all of Europe is home to roughly 50 countries. And while your Schengen Visa will allow travel to around 30 of them (i.e., the Schengen and the EU), many European nations have their own, separate visa requirements.
FINAL PRO-TIP: So AXA recommends you always check with the European Commission and individual embassy websites of your desired European destinations before booking any tickets!