Do I need travel insurance for Iceland?
While travel insurance isn’t mandatory to visit Iceland, it’s strongly recommended—especially if you want peace of mind while navigating unpredictable weather, remote roads, and unexpected hiccups. Iceland is safe, but it’s not immune to last-minute flight cancellations, wild weather, or volcanic ash disrupting your plans.
Why travel insurance is a smart idea
- Weather is wild: July may bring sunshine—but also gale-force winds, road closures, and sudden storm warnings. Winter travel adds snow, ice, and potential delays.
- Healthcare is excellent—but not free: Iceland has world-class healthcare, but visitors from outside the EEA must pay out-of-pocket.
- Activities carry risk: Glacier hikes, horseback riding, snorkeling between tectonic plates… not exactly light sightseeing.
- Flight disruptions happen: Keflavík airport is prone to delays due to storms, volcanic activity, and airline strikes.
- Rental cars aren’t covered for everything: Damage from sand, ash, wind, or even opening a door into strong wind? That’s usually not covered unless you’ve got extra insurance—or travel protection.
If you’re from the EU/EEA
- Bring your EHIC/European Health Insurance Card: This gives you access to emergency public healthcare at local rates.
- Note: EHIC doesn’t cover private care, ambulance costs, or repatriation if you’re seriously ill.
What travel insurance should ideally cover
- Trip cancellations or delays
- Medical emergencies and hospitalization
- Lost luggage and theft
- Adventure activities (if you’re doing more than museums)
- Rental car coverage (if you’re driving)
4 Key Takeaways
- Travel insurance isn’t required—but it’s smart.
- Iceland is safe, but weather and nature can cause delays and costs.
- Non-EU visitors should absolutely have medical coverage.
- Even EU/EEA travelers benefit from added trip protection.
Tip: Always read the fine print of your travel insurance, especially regarding activities and vehicle use in Iceland’s unique conditions.
