- The best travel insurance plans for Norway
- Travel Safety in Norway
- Travel Insurance Requirements for Norway
- Why take out travel insurance for Norway?
- What should travel insurance for Norway cover?
- The cost of travel insurance for Norway
- How to pay less for your travel insurance to Norway
- Can I rely on my current insurance to cover me in Norway?
- FAQ
Travel insurance for Norway: key takeaways
1. Definition: Travel insurance for Norway covers medical emergencies, trip cancellation, and lost personal belongings.
2. Key protection: Insurance is not mandatory for Canadians but is highly recommended for financial protection abroad.
3. Healthcare cost: A hospital stay in Norway can easily exceed $700 CAD per night for foreign visitors.
4. Price: A one-week travel insurance policy for Norway typically costs between $30 and $60 CAD.
5. Good to know: Consider policies with helicopter rescue, especially for adventure or Arctic travel activities.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in Canada, our experts share here everything you need to know to choose the best travel insurance for Norway.
The best travel insurance plans for Norway
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | CA$1.5M | Our recommendation for safe travel to Norway. - high medical limit - repatriation included - broad sports coverage |
| Cap Assistance 24/24 | CA$1.5M | Reliable for all stays in Norway. - 24/7 medical helpline - cancellation cover - no deductible |
| Tourist Card | CA$760k | Effective protection for tourism in Norway. - good medical cover - emergency assistance - competitive pricing |
| Travel Pass Monde | CA$1.05M | Balanced choice for extended travel in Norway. - repatriation covered - wide territorial reach - hospital costs included |
| Globe Partner | CA$450k | Dependable for international stays in Norway. - medical care abroad - repatriation - civil liability included |
| Globe Traveller | CA$760k | Good value for short, low-risk trips. - essential medical cover - fast reimbursement - limited ceiling |
- high medical limit
- repatriation included
- broad sports coverage
- 24/7 medical helpline
- cancellation cover
- no deductible
- good medical cover
- emergency assistance
- competitive pricing
- repatriation covered
- wide territorial reach
- hospital costs included
- medical care abroad
- repatriation
- civil liability included
- essential medical cover
- fast reimbursement
- limited ceiling
Travel Safety in Norway
As of June 2025, the Government of Canada’s Global Affairs Canada advises travellers that the general safety level in Norway is stable and to take normal security precautions. There are currently no official advisories discouraging travel to Norway for Canadian citizens.
Here are their four main recommendations.
- Security risks: urban petty crime, such as pickpocketing and wallet theft, increases in larger cities like Oslo and Bergen, especially during the busy summer season. In Arctic regions such as Svalbard, the risk of polar bear encounters requires extra caution.
- Health risks: healthcare in Norway is high quality but expensive for non-residents. There is a risk of tick-borne encephalitis from April to November in forested areas. Emergency services in remote regions, including the Arctic, can be delayed or require costly helicopter evacuation.
- Legal requirements: border controls may apply even when travelling from other Schengen countries, and you must carry a valid passport at all times. A passport must be valid for at least three months beyond departure from Norway.
- Environmental hazards: weather conditions can change rapidly, especially in mountainous and Arctic regions. Travellers in Svalbard or on hiking trails should monitor forecasts, as sudden storms can cause dangerous situations.
Although not required, travel insurance is strongly recommended by Global Affairs Canada, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Norway.
Travel Insurance Requirements for Norway
No, travel insurance is not mandatory for Canadian citizens to enter Norway for short tourist or business visits of up to 90 days.
However, taking out travel insurance is strongly recommended, as medical care in Norway is expensive for visitors, and emergency evacuation from remote or Arctic regions can result in very high costs. Comprehensive travel insurance helps protect against unforeseen medical expenses, repatriation, and travel disruptions.
According to our data, 50% of travelers purchase travel insurance before going to Norway. This rate reflects the country’s high safety standards and the significant costs of non-resident healthcare and evacuation.
Why take out travel insurance for Norway?
It is an essential financial and medical protection for anyone going to Norway.
In Norway, foreigners must pay the full cost for any medical treatment, whether at public hospitals in Oslo like Oslo Universitetssykehus or private facilities such as Volvat Medisinske Senter. A simple emergency room visit or short stay can result in costs of thousands of Norwegian kroner, especially in large cities and tourist areas.
Travel insurance covers medical expenses, hospitalization costs, medication, ambulance transport, and emergency repatriation to Canada if a serious health issue occurs.
Here are some examples of healthcare costs in Norway.
| Example of medical treatment | Cost at Volvat Medisinske Senter | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 26,000 NOK (approx. CA$3,250) | Up to CA$1,000,000 or more |
| I broke my tibia (X-ray, cast, and crutch rental) | 12,000 NOK (approx. CA$1,500) | Up to CA$1,000,000 or more |
| I need to be repatriated | 180,000 NOK (approx. CA$22,000) | Up to CA$1,000,000 or more |
| I have appendicitis (consultation and surgery) | 36,000 NOK (approx. CA$4,500) | Up to CA$1,000,000 or more |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What should travel insurance for Norway cover?
| Main coverages | Explanations and recommendations |
|---|---|
| ? Emergency medical and hospitalization | Covers medical treatment, hospital stays, and specialist fees after an accident or illness. Recommended reimbursement limit: CA$1,000,000 or higher for Norway. |
| ? Medical evacuation and repatriation | Provides helicopter or air ambulance transport to the nearest medical center or back to Canada if necessary. Recommended reimbursement limit: CA$500,000 or more. |
| ? Prescription medications | Covers the cost of essential medicines when prescribed after an emergency abroad. Recommended reimbursement limit: CA$5,000 or more. |
| ? Baggage loss, theft, or delay | Compensates for lost, stolen, or significantly delayed baggage and personal effects. Recommended reimbursement limit: CA$2,000 or more. |
| ✈️ Trip cancellation and interruption | Refunds prepaid and non-refundable travel expenses if your trip is cancelled or interrupted for eligible reasons. Recommended reimbursement limit: CA$5,000 or more. |
| ⛷ Adventure sports and activities coverage | Extends medical protection to popular activities like hiking or skiing in Norway. Recommended reimbursement limit: CA$200,000 or more. |
| ? Emergency dental expenses | Covers unexpected dental care due to an accident or acute pain. Recommended reimbursement limit: CA$1,000 or more. |
| ☎️ 24/7 Assistance services | Access to emergency hotlines, translation help, and claims support around the clock. Always include comprehensive 24/7 multilingual assistance in your policy. |
Recommended reimbursement limit: CA$1,000,000 or higher for Norway.
Recommended reimbursement limit: CA$500,000 or more.
Recommended reimbursement limit: CA$5,000 or more.
Recommended reimbursement limit: CA$2,000 or more.
Recommended reimbursement limit: CA$5,000 or more.
Recommended reimbursement limit: CA$200,000 or more.
Recommended reimbursement limit: CA$1,000 or more.
Always include comprehensive 24/7 multilingual assistance in your policy.
Travel insurance from local providers or included with bank cards often has low reimbursement limits and significant exclusions. Choose a trusted insurer offering full coverage that meets your needs. Compare top travel insurance options on HelloSafe and buy your plan online for instant certification.
The cost of travel insurance for Norway
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | CA$22 – CA$35 |
| 2 weeks | 45 years old | CA$33 – CA$52 |
| 1 month | 35 years old | CA$55 – CA$90 |
| 1 month | 70 years old | CA$110 – CA$160 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
? It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
Good to know
The price of your travel insurance for Norway depends on several factors: your age, the duration of your stay, your specific destination, and the level of coverage. Optional add-ons like trip cancellation, adventure sports coverage, or medical evacuation also impact the final cost. Consider these elements to find the right policy for your trip.
How to pay less for your travel insurance to Norway
Here are some suggestions to optimize the cost of your travel insurance to Norway while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| ? Number of travelers | Family or group policies often offer better rates per person. | Choose group insurance or a family plan if traveling together, as these are usually more affordable. |
| ✈️ Travel duration | The longer your stay, the higher your premium. | Buy a single policy for your whole trip rather than multiple short policies to get a better rate. |
| ? Level of coverage | High health costs in Norway mean adequate coverage is important but over-insuring can add cost. | Select only the cover you really need and avoid unnecessary upgrades for luxury items or valuables. |
| ? Payment method | Some credit cards provide partial coverage for travel insurance. | Use your credit card’s travel insurance if it’s sufficient, or supplement only essential coverage. |
| ? Traveller’s age | Age often impacts premiums, especially for seniors. | Compare rates across insurers, as some, like Heymondo, do not increase prices for those over 62. |
| ?️ Planned activities | Adventure sports like hiking or skiing in Norway may require additional coverage. | Exclude adventure sports if you do not plan these, as this lowers the premium for standard travel. |
| ?️ Advance booking | Booking early often offers lower premiums. | Purchase your policy as soon as your trip is booked to secure the best price. |
Can I rely on my current insurance to cover me in Norway?
It is perfectly reasonable to wonder if your current coverage, such as public health insurance or credit card protection, is enough for your trip to Norway. Unfortunately, this coverage is often limited or insufficient for international travel, especially outside North America. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Norway? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Canada Health, OHIP, MSP, RAMQ) | Never | Only covers emergency doctor fees in Canada or urgent care in rare U.S. cases, no overseas coverage. | Travel insurance covers up to CA$1,000,000+ in medical expenses, repatriation, and assistance abroad. |
| Private health insurance (Manulife, Sun Life, Blue Cross) | Limited coverage | May reimburse some out-of-country hospital fees, but excludes many risks, especially repatriation or evacuation. | Travel insurance provides up to CA$1,000,000+, plus baggage loss, trip interruption, and strong evacuation coverage. |
| Classic credit card (Visa Classic, Mastercard Standard, TD Classic) | Limited coverage | Emergency medical < CA$50,000, usually excludes repatriation, baggage, cancellations, or adventure sports. | Travel insurance offers CA$1,000,000+ medical, up to CA$5,000 baggage, trip delay and extended adventure sports. |
| Premium credit card (Visa Infinite, Gold Mastercard, Amex Gold) | Limited coverage | Medical < CA$150,000, some luggage or trip delay, but strict restrictions apply to duration and age. | Travel insurance covers CA$1,000,000+ for health, higher limits on trip interruption, and 24/7 support with no exclusions. |
Example
While skiing near Tromsø, Liam suffered a severe leg fracture. The helicopter rescue and initial surgery cost CA$40,000. His premium Visa card's insurance had a low cap for adventure sports, and his provincial plan covered almost nothing. He was left with a staggering CA$35,000 bill, a harsh lesson in travel preparedness.
Expert advice
Trip interruption due to a relative’s illness is often excluded from credit card benefits and provincial health plans. Carefully read your existing policies to avoid surprises abroad. In all cases, subscribing to a dedicated travel insurance plan tailored to your trip is safer and more reassuring.
FAQ
Do I need a visa to travel to Norway?
Canadian citizens do not need a visa to visit Norway for tourism, business, or family visits up to 90 days within a 180-day period. You must carry a passport that remains valid for at least 3 months beyond your intended departure from the Schengen area.
How do I purchase travel insurance for Norway?
To purchase travel insurance for Norway, first compare available plans using the HelloSafe travel insurance comparison tool. Review policy coverage and exclusions, including Norway-specific risks and guarantees. Complete the purchase online to suit your itinerary. Your insurance certificate will be issued immediately, often by email.
How much does travel insurance for Norway typically cost?
The average cost ranges from CA$22 to CA$35 for a one-week trip for a 25-year-old, and up to CA$110–CA$160 for a month for seniors. Prices depend on your age, duration, and type of coverage. Comparing plans can help you find the most cost-effective and suitable option for your needs.
Is travel insurance required for Svalbard or remote regions within Norway?
While travel insurance is not legally required for Canadian tourists to mainland Norway, it is strongly advised for travel to Svalbard or Arctic areas. These regions have limited medical facilities and may require costly emergency evacuation or rescue services, making adequate insurance an important safety net.
Does my Canadian provincial health insurance cover medical care in Norway?
Provincial health plans like OHIP or RAMQ generally do not cover out-of-country medical expenses. You will need separate travel insurance to avoid paying full costs for medical care, which can be very expensive in Norway, especially for emergencies or hospitalization.
What extra coverage should I consider when visiting Norway?
If you plan adventure sports such as skiing, hiking, or sea excursions, consider policies with search and rescue or medical evacuation benefits. Standard travel insurance may exclude such activities, so verify that your chosen plan covers your intended activities and any related risks specific to Norway.
Do I need a visa to travel to Norway?
Canadian citizens do not need a visa to visit Norway for tourism, business, or family visits up to 90 days within a 180-day period. You must carry a passport that remains valid for at least 3 months beyond your intended departure from the Schengen area.
How do I purchase travel insurance for Norway?
To purchase travel insurance for Norway, first compare available plans using the HelloSafe travel insurance comparison tool. Review policy coverage and exclusions, including Norway-specific risks and guarantees. Complete the purchase online to suit your itinerary. Your insurance certificate will be issued immediately, often by email.
How much does travel insurance for Norway typically cost?
The average cost ranges from CA$22 to CA$35 for a one-week trip for a 25-year-old, and up to CA$110–CA$160 for a month for seniors. Prices depend on your age, duration, and type of coverage. Comparing plans can help you find the most cost-effective and suitable option for your needs.
Is travel insurance required for Svalbard or remote regions within Norway?
While travel insurance is not legally required for Canadian tourists to mainland Norway, it is strongly advised for travel to Svalbard or Arctic areas. These regions have limited medical facilities and may require costly emergency evacuation or rescue services, making adequate insurance an important safety net.
Does my Canadian provincial health insurance cover medical care in Norway?
Provincial health plans like OHIP or RAMQ generally do not cover out-of-country medical expenses. You will need separate travel insurance to avoid paying full costs for medical care, which can be very expensive in Norway, especially for emergencies or hospitalization.
What extra coverage should I consider when visiting Norway?
If you plan adventure sports such as skiing, hiking, or sea excursions, consider policies with search and rescue or medical evacuation benefits. Standard travel insurance may exclude such activities, so verify that your chosen plan covers your intended activities and any related risks specific to Norway.
