Do I need travel insurance for Iceland?

Iceland is one of Europe’s most unspoiled countries with an exotic and mystical relationship with nature - famous as it is for its spouting geysers, active volcanoes, stunning waterfalls, mountains, vast lava plains, and picturesque lakes. Iceland’s fjords, glaciers, and highland plains present visitors with a unique landscape that is one of the most enchanting on the planet. Amateur naturalists can also enjoy bird watching opportunities, while it also has some of the world’s best whale-watching spots. Although Iceland is not in the European Union, it is a member of the Schengen Area.

If you are traveling to Iceland, AXA’s Schengen travel insurance offers extensive protection - as it can cover medical expenses up to €100,000 in Iceland and other Schengen Area countries. It also allows you to obtain the travel insurance certificate required with your visa application. 

What does AXA Schengen travel insurance for Iceland cover?

Starting at €33 per week (approx. US$36) of your trip, our Schengen Travel insurance covers

  • Up to €100,000 coverage in medical expenses 
  • Medical repatriation & transport 
  • 24/7 medical assistance in English or French in case of urgency
  • Up to 180 days of coverage
  • All Schengen and European Union countries as well as the United Kingdom (depending on the chosen insurance)
  • Insurance certificate issued immediately and approved by the embassies
  • No age limit
  • Zero deductible - which will allow you to avoid some upfront and early costs with your claim

Is travel insurance required for Iceland?

Travel insurance is mandatory if you need a Schengen Visa for Iceland. If you don’t need a visa, travel insurance is optional but strongly recommended as medical costs can be high for foreigners, especially as you will need to pay for any prescriptions.

Do you cover emergency medical costs related to coronavirus? 

AXA will cover your medical costs related to coronavirus provided you haven't traveled against World Health Organization advice, personal medical advice from your doctor, or any other government body’s advice in your home country or the country you are traveling to. Emergency and additional travel costs are also covered providing you have stuck to this advice. 

All issued electronic certificates purchased on the axa-schengen site include this disclaimer: “Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy”. This will satisfy any embassy rules that state you must get an insurance certificate with Covid protection. 

Will AXA Schengen travel insurance be accepted with my Icelandic visa application?

For more than 10 years, AXA has been delivering insurance certificates that meet Schengen countries’ requirements to obtain a visa.  All you need to do is print the electronic form of the health insurance certificate and enclose it with your visa application. Each AXA Schengen insurance certificate is individualized and bears a number that is verifiable on our website.

What are the requirements for travel insurance for my Icelandic visa?

To obtain a Schengen Visa to Iceland your insurance must meet the following criteria:

  • Minimum coverage for at least €30,000 in medical expenses
  • It should cover all member states of the Schengen Area
  • It should cover any expenses which might arise in connection with repatriation for medical reasons.

I don’t need a Schengen Visa to visit Iceland - can I still purchase your insurance to cover my possible health expenses?

Even though Schengen travel insurance is not mandatory for some travelers, that doesn’t mean you won’t be injured or get ill. A broken wrist or nasty infection can happen to anyone! We thus strongly recommend that you subscribe to our insurance for travelers visiting Europe to make sure your trip is as safe and peaceful as possible. Especially if you are trying some of the more extreme sports, activities, and tours that are available in Iceland!

What are the main advantages of AXA Schengen insurance?

  1. Compliant with European requirements for Schengen Visa. 10 years of existence
  2. Immediate coverage. Your insurance covers you from the first day you need it
  3. No age restriction, zero deductible
  4. No price variation because of nationality or age
  5. Refund if your Schengen Visa application is denied.

Why should you trust us?

  • Medical files processed by AXA Schengen in 2021: 2292
  • Medical calls processed by our agents in 2021: 3845

Which insurance plans to consider?

  Coverage duration Max.
Countries Covered Average price 
Europe Travel Up to 180 days  €100,000
Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom
33€ per week
(approx. US$ 35)
Multi Trip  Illimited number of stays of 90 days max.
during 1 year 
€100,000 328€ per year
approx. US$ 349)
Low Cost Up to 180 days  €30,000
Austria, Belgium, Croatia, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland

22 € per week
(approx. US$ 23)

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

AXA’s Schengen insurance is here to guide, help, and protect you. In case of a medical emergency, you must contact our call center at the number provided on your insurance policy. Medical assistance professionals will answer your questions and advise you 24/7 to help you find the medical center best suited to your situation and the closest to your location.

The following information must be given to the call center:

  • The number of your policy, which begins with “SCH”.
  • The address and telephone number at which you can be reached and the details of the people that can be contacted locally.
  • The dossier number, which is communicated at the time of the first call.

IMPORTANT: Remember to always keep bills/ invoices and enclose them with your file.

What should I know when preparing for my trip to Iceland?

Security: Although Iceland is fairly safe, petty theft and anti-social behavior can occur, particularly around bars where people gather late at night in downtown Reykjavik. Take sensible precautions and avoid leaving valuables lying around. You should be careful when traveling to remote areas and make sure you can hail emergency assistance if you get into difficulty.

Weather: What is the best period to go to Iceland? The summer months of July and August are the warmest, and most popular time to visit. Iceland also has 24 hours of daylight in June - so if you want to cram as much into your holiday as possible this can be a good time to visit. Temperatures are still not too cold in September - so those wishing to avoid peak season can travel then, but May is best avoided as the spring thaw can close off some trails.

Opening hours: Supermarkets and shops in Iceland tend to open from around 10 am and close around 7 pm, but those in larger cities like Reykjavik often have much longer opening hours, often as late as 10 pm.

Driving license: Driving licenses from most major countries are valid in Iceland. You do not need an additional international license.

Restaurants: Typical dining hours tend to be quite late in Iceland, with dinner being eaten around 8 pm, and few cafes opening early for breakfast. Icelanders typically eat lunch around noon.

Visa: Although many countries have visa-free travel with Iceland and the Schengen Area, if you think you do need a visa to Iceland you can find out more here.