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A red and white lighthouse standing on a small rocky island with a few outbuildings, distant mountains lining the hazy horizon.

Travel Insurance for Norway

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Fully Covered with LUMA

LUMA travel insurance helps you stay covered in Norway, from mountain roads to scenic journeys.
  • 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 Norway

    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
Norway calling? We go above and beyond to make sure your trip stays golden.
  • A waterfall cascading down a rocky cliffside surrounded by greenery, with a small Norwegian flag in the foreground.
    A red and black Hurtigruten cruise ship docked at a calm harbour, its hull reflected in the still water.
    Aerial view of Henningsvær village spread across small islands connected by bridges, surrounded by the blue waters of the Norwegian Sea.

    01 Injured on a clifftop hike?

    Norway's most iconic trails produce mountain rescue cases every season. Slick rock, sudden weather shifts, and overestimated fitness levels are the documented causes, and a serious fall this far from a road means an evacuation that costs far more than most people expect. LUMA covers the medical costs and gets you to a better hospital if local care isn't enough.

  • Colourful houses dotting a steep, forested hillside above a fjord, mirrored in the glassy water below.
    A gravel path leading to a historic white wooden hotel with ornate gables, framed by lush gardens.
    Green northern lights swirling in the night sky above a snow-capped mountain and the glowing lights of a coastal village.

    02 Fell sick somewhere remote in Norway?

    Norway's hospitals are world-class, but visitors pay the full cost as private patients. If you fall ill in Lofoten, Tromsø, or anywhere far from the main cities, getting seen is the easy part; the bill that follows is the issue. Medipro can help you decide whether your symptoms require a doctor's care, and LUMA picks up the medical costs if you do.

  • A person at a viewpoint overlooking a deep green valley with a winding road, mountains glowing under a golden sky.
    White waterfront buildings at the foot of a towering, snow-covered mountain peak.
    View from a mountainside over the village of Reine in Lofoten, with the sun setting behind jagged peaks surrounding the fjord.

    03 Road accident on an icy mountain road or coastal switchback?

    Norway's mountain roads and fjord-side switchbacks are spectacular in summer and genuinely dangerous from October through April, when ice and snow turn familiar routes into a different challenge altogether. Road accident rates climb sharply in winter. If you're hurt in a collision and need emergency care, LUMA covers your medical costs after a road accident, and if the nearest clinic can't treat you, arranges transfer to one that can.

  • View from a snowy mountainside over a deep blue fjord reflecting the clouds above.
    A red brick church with a tall green spire rising against a vivid turquoise sky, flanked by autumn trees.
    Red waterfront cabins reflected in a calm rocky cove, with a steep mountain peak rising behind under a clear evening sky.

    04 Ski injury on a Norwegian slope?

    Norwegian ski resorts attract serious skiers from across Europe, and a fall on piste can mean a mountain rescue, a clinic visit, or a hospital stay at full visitor rates. All LUMA plans cover recreational skiing, as long as you're not competing or skiing professionally. If you come off the slope, LUMA handles the medical costs and transfer if you need more specialist care.

  • The decorative Nord-Norge arch spanning a highway, marking the gateway to northern Norway.
    Two small wooden rowboats floating on dark rippled water, with a rocky slope and autumn trees on the far shore.
    The colourful wooden buildings of Bergen's Bryggen wharf reflected in the harbour, with a mountain rising behind.

    05 Had to cancel your Norway trip last minute?

    A Norway trip, including flights into Oslo or Bergen, fjord cruises, and mountain lodges, is usually planned and paid for well ahead. If a serious illness, an injury, or a family emergency stops you from travelling, recovering that money on your own is rarely simple. LUMA plans with trip cancellation cover reimburse prepaid expenses for covered reasons like these.

A wooden rowboat floating on crystal-clear turquoise water, with rugged mountains rising behind the rocky shore.
The dark timber tiers of Heddal Stave Church under an overcast sky, with visitors gathered on the green grounds.
View over a valley town nestled among fields and winding roads, with jagged snow-dusted peaks towering behind.
Boats moored along Bergen's harbour, with traditional wooden buildings climbing the forested hillside on a grey day.
An ornate arched monument decorated with a blue mosaic, framing a view of water and mountains through its opening.
A stone church with a tall spire on a snowy street, framed by the bare branches of a winter tree.
Aerial view of a coastal road curving past small green islands surrounded by shallow turquoise water under a moody sky.
Steep green mountainsides plunging into the calm waters of a fjord, seen from a boat on the water.
The colourful wooden buildings of Bergen's Bryggen wharf reflected in the harbour, with a mountain rising behind.
A sunlit mountain peak mirrored perfectly in the still waters of a fjord at dawn.
A waterfall cascading down a rocky cliffside surrounded by greenery, with a small Norwegian flag in the foreground.
A red and black Hurtigruten cruise ship docked at a calm harbour, its hull reflected in the still water.
Colourful houses dotting a steep, forested hillside above a fjord, mirrored in the glassy water below.
A gravel path leading to a historic white wooden hotel with ornate gables, framed by lush gardens.
A person at a viewpoint overlooking a deep green valley with a winding road, mountains glowing under a golden sky.
White waterfront buildings at the foot of a towering, snow-covered mountain peak.
View from a snowy mountainside over a deep blue fjord reflecting the clouds above.
A red brick church with a tall green spire rising against a vivid turquoise sky, flanked by autumn trees.
The decorative Nord-Norge arch spanning a highway, marking the gateway to northern Norway.
Two small wooden rowboats floating on dark rippled water, with a rocky slope and autumn trees on the far shore.

Your Norway Travel Insurance Questions, Answered

Snow-covered mountains above a still fjord at twilight, with a small wooden dock and cabin on the shore bathed in blue light.

Yes, with proper preparation. Norway is one of the safest countries to visit, but it can also be an expensive place to need medical care or mountain rescue. Trolltunga and Preikestolen are real mountain hikes, not casual sightseeing walks, and weather conditions can change quickly. Check Norway’s official weather service before setting out, wear proper footwear and layers, and share your route with someone. If you are injured, LUMA covers medical expenses under your plan and can arrange evacuation when medically necessary.

Yes, but it requires real preparation. Norway's mountain switchbacks, icy coastal roads, and fjord-side drops are a genuine hazard from October through April, and road accident rates rise significantly in winter. Conditions can change fast. Use winter tyres, reduce speed on mountain roads, and check road conditions at vegvesen.no before any long drive. If you're hurt in a road accident, LUMA covers the eligible medical costs under your plan.

Yes. Norway's hospitals are excellent, but as confirmed by Norway's official health authority Helsenorge, tourists outside the EU/EEA receive urgent care but are expected to pay themselves and should have travel insurance. Costs vary depending on the treatment, but hospital stays, surgery, or evacuation from a remote area can run to tens of thousands. LUMA covers the medical costs under your plan, and Medipro can help you decide whether your symptoms need a doctor and where to go.

Yes. Norway's emergency services rescue people from mountains and fjords regardless of nationality, and that part is handled as a public service. Where costs do come in is what follows: hospital treatment, specialist care, and getting home when you're not well enough to travel normally. Norway's major hospitals are in Oslo, Bergen, and Tromsø, so if you're somewhere remote and need ongoing care, there's distance involved. If you need repatriation or treatment beyond what's locally available, LUMA covers those costs so you can focus on recovering rather than working out how to get home.

Yes, if you require a Schengen visa. Visa applicants need to show proof of insurance covering at least €30,000 for medical emergencies and repatriation, valid for the entire stay across all 29 member countries. A missing or non-compliant certificate is enough to get an application rejected. If you're travelling from a visa-exempt country like the US or UK, you can enter for up to 90 days without a visa. All LUMA plans offer USD 50,000 or more in medical coverage, so every plan meets the minimum coverage requirement for a Schengen visa.

Yes. From October through April, snowstorms can close mountain passes and ground flights into smaller airports, with little notice. Even in summer, sudden storms in the fjords can cancel tours and disrupt schedules. Check Norway's official weather service before any travel day, particularly if your itinerary includes mountain routes or remote coastal areas. If a covered flight delay meets your policy's minimum delay period, LUMA's flight delay cover can help travelers with expenses like meals or an overnight stay.

Go places, we’ve got you covered.

  • Dramatic storm clouds gathering over jagged, snow-dusted peaks above a village on the shore of a Norwegian fjord.
    Norway
  • Red fishing cabins perched on the rocky shoreline of a Lofoten village, with steep mountains rising across the calm water.
  • Sweeping view of Geirangerfjord from above, with green mountainsides plunging to the blue water and a village at the fjord's edge.

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