What travel insurance do I need when visiting Norway?

Travel insurance for Norway: set off in search of Scandinavian culture and natural beauty

When traveling to Norway you will be enchanted by Scandinavian culture and its amazing natural beauty. This Northern European country has borders with Sweden, Finland, and, in its far north, Russia. Whether in summer or winter, Norway offers breathtaking panoramas, in places such as its famous fjords, and you will no doubt appreciate the warm welcome of the locals. If you don’t live inside the Schengen Area or are a citizen of a country with a visa-free travel arrangement with these states, you will need a Schengen Visa and travel insurance for Norway.

With a Schengen Visa, you will be free to explore Scandinavia

If you want to find out more about the conditions surrounding getting a Schengen Visa for Norway, the Norwegian embassies site is particularly helpful, you can click here: norway.no/en/
The Schengen Area includes 25 countries, such as Norway, Finland, Germany, Denmark, and Iceland, to name a few.
With a Schengen Visa, you will not only be able to travel to Norway, but also move freely between all of the countries in the area. It’s an excellent way of discovering Europe and its many riches.
Which countries can I visit with Schengen travel insurance?

Travel insurance for Norway is necessary to obtain your visa

To obtain a Schengen Visa for Norway, you will need to provide evidence of travel insurance. This must include at least two compulsory guarantees: repatriation in the event of serious accident or death and coverage of medical costs, up to a minimum of €30,000.
You are advised to check that your travel insurance for Norway allows you to obtain certified documents from embassies and consulates. You may also wish to ensure that your travel insurance policy for Norway includes additional coverage options: care for children under the age of 18, advance repatriation of other insured parties, and much more.

How to get to Norway

By plane: Norway has several international airports and you will find regular flights to and from over 140 cities around the world. You can, for example, book a flight to Oslo Airport, but also Bergen, Kristiansand, Moss, Sandefjord, Stavanger, Tromsø, or Trondheim. From the United States, you will be able to enjoy a direct flight, while you will require a stopover if you are coming from Australia or New Zealand.
To reach the city center from Oslo Airport you can take the Flytoget Airport Express train, which will get you there in only 20 minutes.
By train: the Oslo-Copenhagen connection runs several times a week. You will also find plenty of trains going to other Scandinavian countries such as Finland and Sweden. Norway’s highly advanced rail network will allow you easy access to other European cities.
By bus: there are multiple routes between Norway and Finland, Sweden, Russia, and Denmark. There are buses almost every hour from Copenhagen and Gothenburg to Oslo.
By boat: numerous ferries make the crossing from Norway to Germany, Sweden, the U.K., and Denmark. This will make it very easy for you to travel with your own vehicle. One of Norway’s most famous natural features is its fjords, which are one of the country’s major attractions, which mean that car ferries are a fact of life in much of coastal and northern Norway, where the fjords cut deeply into the landscape and make it impossible – or at the very least inconvenient – to get up or down the coast by car without crossing them. Whether on a cruise, a day trip, or by car, boats are an essential way to see some of Norway’s most spectacular sights.

Advice on health and vaccinations

Although there are no compulsory vaccinations, it is advised that you be vaccinated against diphtheria, tetanus, and polio.


The Norwegian climate is temperate, especially on the coast, thanks to the Gulf Stream. In summer you will have a better chance of finding pleasant conditions in Oslo than in Bergen. In certain regions of Norway, winter temperatures can fall as low as -40°C.
Remember to pack warm clothes whatever the season, as well as waterproof clothing.

Discover Norway

A large country adored by nature lovers, Norway has plenty to offer throughout the year - be it skiing and trips through its winter wonderland landscape in the colder months, or its stunning woodlands in summer.
-Oslo is a modern city and a great starting point for your visit. Enjoy the museums, restaurants, and beautiful parks of the Norwegian capital. Among the must-see attractions are the famous Holmenkollen ski jump, the new Opera House, and the Norwegian Folk Museum on the peninsula of Bygdøy.
-Among the other cities of Norway are Bergen, Trondheim, and Stavanger. They are guaranteed to delight you with their authenticity and traditional architecture.
-The deepest fjord in Norway is also the longest in Europe. The Sognefjord can be viewed from land or during a cruise. If you have the chance, don’t miss out on a visit to Geirangerfjord, Lysefjord, and Nærøyfjord either.
-Hire a car and set off in search of Telemark, a 100 percent traditional region - its authenticity will capture your heart.
-One of the main reasons to visit Norway is, of course, to admire the wonders of the midnight sun and the aurora borealis (northern lights). To see the midnight sun, you will have to head beyond the polar circle between April and the end of July. The aurora borealis are caused by solar flares and are best seen in the middle of the countryside between February and April.

You can’t beat Norway for all types of skiing. Home to more gold medals at the Winter Olympics than any other nation, it’s no surprise that skiing is a way of life here. Great for beginners - there are heaps of wide, quiet slopes and reliable snow cover - cross-country skiing and cozy log cabins for resting after a hard day on the slopes or trails.


It is recommended that you remain particularly vigilant when hiking in the mountain ranges: check the weather, arm yourself with local maps and a torch, and inform someone of your departure and itinerary before leaving.
There is a very significant risk of avalanches, therefore, going off-piste is strongly discouraged. It is also imperative that you enlist a local guide if you plan on hiking on a glacier.

Practical information

The Norwegian currency is the Krone (NOK). You can exchange your money at the airport, in some tourist offices and banks and bureaux de change in the bigger towns and cities. Bank cards are accepted almost everywhere and you will find plenty of ATMs.
Shops are generally open from 9 am to 5 pm (sometimes 4 pm). In the bigger towns and cities, some shops close at 6 pm or 8 pm, particularly supermarkets.
English is widely spoken in Norway, even outside the major cities.
Before entering Norway and applying for your visa, you will need to prove you have at least 500 Krone, equivalent to €53.34 per day of your trip. However, this number is not officially fixed and can be decided on a case-by-case basis.

How can AXA help?

As the top insurance brand for Schengen Visas, AXA can help by providing you with Low Cost Schengen Area travel insurance that meets your visa requirements when traveling to Norway and the other Schengen states from as little as €0.99 per day - a fee that will cover you for medical expenses up to €30,000 in all Schengen countries. We provide a certificate proving you are insured that’s available immediately - meaning you can get on with your application.
AXA’s insurance offers assistance 24/7, as well as other options and tailor-made products. Other coverage available includes our Europe Travel insurance, costing €1.50 per day, or Schengen Multi Trip insurance, which is perfect for regular travelers and available for €298 for a year’s coverage.

The other countries of the Schengen area

Austria travel insurance

Belgium travel insurance

Czech Republic travel insurance

Denmark travel insurance

Estonia travel insurance

Finland travel insurance

France travel insurance

Germany travel insurance

Greece travel insurance

Hungary travel insurance

Iceland travel insurance

Italy travel insurance

Latvia travel insurance

Liechtenstein travel insurance

Lithuania travel insurance

Luxembourg travel insurance

Malta travel insurance

Netherlands travel insurance

Norway travel insurance

Poland travel insurance

Portugal travel insurance

Slovakia travel insurance

Slovenia travel insurance

Spain travel insurance

Sweden travel insurance

Switzerland travel insurance

Frequently asked questions about travel insurance to Norway

Will my travel insurance cover repatriation if I get injured?

Yes. AXA’s insurance will cover your repatriation in case of injury or illness- if necessary and within the limits of expenses.

Will my travel insurance fees be refunded if my visa is refused?

Yes. If your visa is refused AXA will refund your insurance fees - but you will need to provide documentation specifying the reason for refusal - subject to conditions.

Will my insurance cover me for multiple trips to Norway?

This will depend on the type of insurance you buy - our low cost or Europe Travel insurance will cover you for trips within the Schengen Area for up to 90 days. If you are planning multiple trips over the course of a year you may - however - be better off with our annual Multi Trip policy.