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Everything You Need to Know About Insurance in Iceland

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The island nation of Iceland is located in the North Atlantic Ocean. It is also called the Ice Country for its many mountain peaks covered with eternal snow. Iceland’s main attraction is its unique nature: the Valley of geysers, magnificent national parks, volcanoes, fjords, waterfalls, picturesque Blue Lagoon – you can admire the views endlessly.

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The tiny capital of the state, Reykjavik, is also attracting tourists. Here guests are offered to taste local cuisine and national drinks, who are then unlikely to leave indifferent. Iceland has a subarctic climate, so that it can be quite cool almost all year round. In winter, the daylight hours last about 5 hours, but all summer on the islands are white nights.

In Iceland, tourists of different ages spend a great time – with different areas of interest. When planning your trip, don’t forget to apply for a travel insurance policy. Such a policy will allow getting quality medical care in a foreign country in an emergency.

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Do you need Insurance in Iceland?

Yes, the policy is also needed for the traveler’s own financial protection. In an emergency, you can get treatment in an Icelandic clinic only on a paid basis. The level of medical care prices for foreigners is comparable to the best European hospitals. In the absence of insurance to go abroad, the tourist is obliged to pay the bills themselves.

What are the risks of insurance to Iceland?

According to international standards, the basic filling of an insurance contract should include the following risks:

  • Doctor’s appointment and outpatient treatment;
  • Transport to the hospital if necessary;
  • Stay in the hospital for medical reasons;
  • Emergency treatment at the dentist;
  • Repatriation of the body to his home country in the event of a tragedy.

The underlying risks are detailed in the Insurance Regulations and in the contract.

Additional options

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You can include additional risks in your insurance to increase protection against unforeseen expenses.

  • Cancellation of the trip. The option provides compensation for the cost of non-refundable flights and paid hotel room if you have to postpone the travel or refuse to leave due to circumstances.
  • Sports and outdoor activities. If you plan to ski, play football, basketball or participate in other similar events, include this option in your contract. Extended insurance will allow you to get help with injuries during sports.
  • Civil liability to third parties. Even experienced tourists in unusual circumstances can accidentally damage other people’s things or harm others’ health. The “Civil Responsibility” option will allow you to compensate the damage at the insurance company’s expense by court order.
  • Loss of luggage. When traveling abroad, tourists are forced to hand over their belongings in luggage. If the property is lost or delayed due to the carrier’s fault, the insurance with the risk of “Loss of luggage” will allow receiving monetary compensation.

What to pay attention to tourists in Iceland?

Epidemiological situation. For a trip to Iceland, it is enough to make preventive vaccinations provided. In the period from November to March, tourists are advised to be vaccinated against influenza.

Flora and fauna. Greenery covers no more than 25% of the country. There are no plants dangerous for humans, and large animals are not found.

Local cuisine. The main ingredient of national dishes is fish. In Icelandic cafes, tourists are offered to try pickled salmon. Also served lamb, whale meat. Few specific ingredients in the food can cause digestive disorders, but it is recommended to eat in decent establishments.

The weather. The islands have a subarctic climate. The weather is unpredictable. The humidity is always high. Even in summer, it is worth bringing warm clothes.

Active rest. Iceland offers many fascinating tours, from extinct volcanoes to underwater caves. It is important to follow safety rules, listen to instructors’ instructions, and rent equipment only in specialized centers.

The criminal situation. Street crime in Iceland is at a low level, as well as the terrorist threat.

How much does insurance cost to Iceland?

The cost of the policy depends on the individual parameters of the insurance:

  • Tourist’s age. The prices of the policy per child, the elderly, and adults vary;
  • The duration of the trip. Insurance for a visa to Iceland must include all travel days, including the date of departure and arrival;
  • Filling the program. The tourist can choose a program with suitable risks from “Economy” to “Premium”;
  • Amount of insurance coverage. The amount of insurance can be from 30,000 U.S. to 100,000 U.S. For each risk, a liability limit is set.

What to do when an insurance case occurs?

When an insurance case occurs, act as follows:

  • Contact the service operator by phone, which is listed in the policy;
  • Give them your name, the contract number, tell them what happened.
  • Strictly follow the instructions of the specialist. If you need medical care when an insurance case occurs, the operator will refer you to the nearest clinic, providing a range of services under the contract.

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Where to buy insurance in Iceland?

You can apply for a travel insurance policy online on the Alpha Insurance company’s website. The page offers a convenient form. Fill in all the fields, carefully provide contact details and pay for insurance. They will send the policy to your e-mail. Print a document. It will have the same power as the insurance issued in the office. The policy must be attached to the visa application and then carry with you during the entire trip to Iceland.

For insurance for those traveling abroad, call the company’s hotline at 8-800-333-0-999.

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