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Icebergs floating in a dark glacial lagoon under a stormy sky, Iceland.

Travel Insurance for Iceland

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Fully Covered with LUMA

LUMA travel insurance helps protect your Iceland trip, whether you are exploring Reykjavik, driving the Ring Road, or heading into remote landscapes.
  • 4.8
  • 4.0 Rating

  • Trusted by 100,000+ travelers

  • A decade of travel cover

  • Backed by medical guidance

  • Instant online purchase

Is My Baggage, Health, Trip Covered?

  • damage, loss
  • sudden sickness, hospital expense
  • delays, cancellations

Yes!

  • On-the-ground teams and global partners ensure care is always nearby.

    Hands

  • 24/7 English-speaking assistance with coverage curated for Finland

    Calling

  • Practical support backed by decade-long experience and deep-rooted hospital networks.

    Shield

  • Direct access to our in-house medical team (Medipro) for real medical advice.

    Stethoscope
Iceland calling? We go above and beyond to make sure your trip stays golden.
  • Silhouettes of people watching a geyser erupt against an orange sunset sky, Iceland.
    Crowd watching a geyser erupt into the sky under clear blue weather, Iceland.
    Red house on a grassy coastal hillside overlooking a fjord, with snow-capped mountains in the distance, Iceland.

    01 Road accident on an Icelandic gravel road or mountain track?

    Iceland's highland and rural roads range from rough gravel to single-lane bridges that cross rivers at low water. Black ice in winter and loose gravel year-round make driving genuinely demanding, and accidents happen faster than the scenery suggests. LUMA covers the medical costs from a road accident and arranges transfer to a better hospital if the nearest one can't help.

  • People standing at the base of a powerful waterfall on a rocky beach in dim light, Iceland.
    Row of colorful houses lining a street, with a tall church spire rising behind them, Iceland.
    Black sand beach beneath a moss-covered cliff and cave entrance, under a hazy sky, Iceland.

    02 Injured on a geothermal trail or near a hot spring?

    Iceland's geothermal landscape is extraordinary, but scalding hot springs, hidden thermal vents, and unstable ground around geothermal areas burn faster than they look. Staying on marked paths isn't just advice, it's the difference between a great day and a serious injury. If you need emergency treatment, LUMA covers the medical costs so the bill isn't the thing you remember about the day.

  • Person standing on a black sand beach scattered with glacial ice chunks under a cloudy sky, Iceland.
    Red-roofed church at the end of a winding road through dark volcanic hills, under a stormy sky, Iceland.
    Black sand beach with a rock sea stack and cliffside, sea and soft sky in the background, Iceland.

    03 Unwell somewhere remote in Iceland?

    Iceland's medical care is excellent in Reykjavik, but outside the capital access to specialist care is limited and transport times to hospitals can be long. Non-residents pay in full for all treatment, and a hospital stay runs to hundreds of dollars per day without cover. Medipro can help you decide whether your symptoms need a doctor, and LUMA takes care of the costs so you can focus on getting better.

  • Red-roofed church surrounded by purple lupine fields, with sea stacks and coastline visible in the distance, Iceland.
    Waterfall pouring from a moss-covered cliff into a rocky gorge, with a car and people visible below, Iceland.
    Rugged glacier landscape with textured blue-white ice and dark crevasses beneath snow-capped peaks, Iceland.

    04 Injured on a glacier or ice cave tour?

    Glacier hiking and ice cave tours are among Iceland's most popular experiences, but crampons, unstable ice, and unpredictable conditions make falls and injuries more common than they look on social media. A serious injury on a glacier puts you a long way from proper care. LUMA covers the medical costs and arranges evacuation to the right facility if getting there takes more than a road transfer.

  • Hiker in an orange jacket walking through a grassy field toward a tall waterfall cascading down a cliff, Iceland.
    Black wooden church surrounded by purple wildflowers, with mountains rising behind, Iceland.
    Statue of Leif Erikson standing before the tall, organ-pipe-like tower of Hallgrímskirkja church at dusk, Reykjavík, Iceland.

    05 Iceland trip cancelled before you fly?

    Iceland isn't a cheap destination, and most of the trip, flights, glacier hikes, northern lights tours, and remote lodges, gets paid for well ahead. If a serious illness, an injury, or a family emergency gets in the way, LUMA plans with trip cancellation cover step in to absorb the prepaid costs so the trip doesn't end up costing you twice.

Waterfall pouring from a moss-covered cliff into a rocky gorge, with a car and people visible below, Iceland.
People standing at the base of a powerful waterfall on a rocky beach in dim light, Iceland.
Hiker in an orange jacket walking through a grassy field toward a tall waterfall cascading down a cliff, Iceland.
Red-roofed church surrounded by purple lupine fields, with sea stacks and coastline visible in the distance, Iceland.
Black wooden church surrounded by purple wildflowers, with mountains rising behind, Iceland.
Crowd watching a geyser erupt into the sky under clear blue weather, Iceland.
Silhouettes of people watching a geyser erupt against an orange sunset sky, Iceland.
Red-roofed church at the end of a winding road through dark volcanic hills, under a stormy sky, Iceland.
Person standing on a black sand beach scattered with glacial ice chunks under a cloudy sky, Iceland.
Row of colorful houses lining a street, with a tall church spire rising behind them, Iceland.
Two people standing before the tall, organ-pipe-like facade of a ribbed concrete church tower, Iceland.
Small white church with a steep grey roof and cross, colorful houses visible behind a white picket fence, Iceland.
Waterfall dropping from a cliff edge into a stream, with people walking along the grassy path beside it, Iceland.
Waterfall cascading over a cliff onto a rocky riverbed, with a person in an orange jacket standing among the rocks, Iceland.
Tall, ribbed concrete church tower rising above a green lawn, Reykjavík, Iceland.
Abandoned plane wreckage resting on a black sand beach under an overcast sky, Iceland.
City street lined with colorful low-rise buildings and a bike lane, under a partly cloudy sky, Reykjavík, Iceland.
A white church at the end of a street painted with rainbow-colored crosswalk stripes, mountains rising behind, Iceland.
Waterfall pouring over a cliff into a rocky stream, with a rainbow forming in the mist, Iceland.
Basalt rock arch formations on black sand under a hazy golden sky, Iceland.

Your Iceland Travel Insurance Questions, Answered

Wide waterfall cascading over a rocky cliff into a misty pool, with a person standing at its base for scale, Iceland.

Yes, more so than most visitors expect. Sneaker waves on black sand beaches have caused multiple tourist fatalities, scalding geothermal vents can be hidden just off marked paths, and volcanic activity on the Reykjanes Peninsula requires active monitoring. Iceland's natural landscapes reward those who respect them and punish those who don't. Stick to marked paths, never approach unfenced cliff edges or wave-exposed beaches, and check safetravel.is before any outdoor activity for real-time hazard alerts.

Yes, with the right vehicle and preparation. Gravel roads, black ice in winter, single-lane bridges, and highland F-roads that require 4WD vehicles make driving more demanding than visitors expect. GPS often suggests routes that aren't road-legal for standard rental cars. Reduce speed significantly on gravel, and check road conditions at road.is before any long drive, and never park at beaches where sneaker waves are a risk. If you're hurt in a road accident, LUMA covers the medical costs and arranges transfer to a better facility if needed.

Yes. Iceland has world-class hospitals, with Landspítali University Hospital in Reykjavik handling major emergencies. Non-residents pay in full for all treatment since they're outside Iceland's national health insurance system, and medical facilities require payment before discharge. EU and EEA visitors with a valid EHIC get emergency treatment at resident rates at public hospitals, but the EHIC doesn't cover helicopter rescue, ambulance transport, or repatriation. LUMA covers medical expenses under your plan so those costs don't fall entirely on you.

Yes, and this is the benefit that matters most on an Iceland trip. Even EU visitors with EHIC don't get helicopter search and rescue covered, and a rescue from a remote glacier, highland road, or coastal area can cost significantly. LUMA arranges medical evacuation when local care isn't enough and covers the costs, whether that's a rescue helicopter or transfer between hospitals. For a destination this remote and this unpredictable, it's the cover that does the most work.

It depends on your nationality. Iceland is not a member of the EU but participates in the Schengen Area, so Schengen visa rules apply. Citizens of many countries including the US, UK, Canada, and EU nations, can enter visa-free for short tourist stays of up to 90 days. Indian passport holders generally need a Schengen visa arranged in advance. Note that the EU Entry/Exit System (EES) has been fully operational at Schengen border crossing points since 10 April 2026, replacing passport stamping for non-EU visitors. Check the current requirements for your nationality on the official Icelandic Directorate of Immigration website before booking.

Yes, and both are genuine possibilities rather than remote risks. The Reykjanes Peninsula has seen significant volcanic eruptions in recent years, and eruptions can affect road access and air quality around Keflavík Airport. Iceland's weather changes fast, and severe storms can ground flights and close highland routes with little notice. Monitor safetravel.is and the Icelandic Meteorological Office during your trip. If a volcanic eruption or severe weather forces you to cut your trip short for a covered reason, LUMA plans with trip interruption cover step in to help with unused prepaid costs.

Go places, we’ve got you covered.

  • Black sand beach with crashing waves along a misty coastline, sea stacks visible in the distance, Iceland.
  • Gravel road lined with purple lupine fields leading to a small white church, mountains in the background under overcast sky, Iceland.
  • Aerial view of Vík's red-roofed church overlooking a snow-covered coastal village, with sea stacks visible in the ocean beyond, Iceland.

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