- The best travel insurance plans for Norway
- Is it currently safe to travel to Norway?
- Is travel insurance required by law to enter Norway?
- Why take out travel insurance for Norway?
- Travel insurance coverage for Norway
- The cost of travel insurance for Norway
- How can you pay less for your travel insurance to Norway?
- Relying on your current insurance in Norway
- FAQ
- On the same topic
Travel insurance for Norway: key takeaways
1. Definition: Travel insurance for Norway covers medical emergencies, trip cancellations, and lost or stolen belongings.
2. Key protection: Insurance is not mandatory, but vital for costs not covered by the reciprocal healthcare agreement.
3. Healthcare cost: Healthcare in Norway is excellent but expensive, with hospital stays costing over AUD 1,000 daily.
4. Price: A one-week travel insurance policy for Norway typically costs between AUD 40 and AUD 80.
5. Good to know: Australia has no embassy in Norway; consular assistance is provided from Denmark and Canada.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analysing 41 travel insurance policies available in Australia, 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 | AUD 1.6M | Comprehensive choice for Norway. - high medical reimbursement - repatriation included - clear modern coverage |
| Cap Assistance 24/24 | AUD 1.6M | Reliable for complex trips. - 24/7 medical support - cancellation protection - no deductible |
| Tourist Card | AUD 800k | Practical for leisure travel. - solid health cover - emergency assistance - fair pricing |
| Travel Pass Monde | AUD 1.1M | Good balance of protection. - high limits - covers evacuation - simple claims |
| Globe Partner | AUD 480k | Proven core guarantees. - covers accidents - repatriation covered - civil liability |
| Globe Traveller | AUD 800k | For short or low-risk stays. - essential medical cover - travel emergencies - fast claims process |
- high medical reimbursement
- repatriation included
- clear modern coverage
- 24/7 medical support
- cancellation protection
- no deductible
- solid health cover
- emergency assistance
- fair pricing
- high limits
- covers evacuation
- simple claims
- covers accidents
- repatriation covered
- civil liability
- essential medical cover
- travel emergencies
- fast claims process
Is it currently safe to travel to Norway?
As of June 2025, the Department of Foreign Affairs and Trade (DFAT) advises travellers to exercise normal safety precautions when visiting Norway, with no specific travel restrictions for Australian citizens.
Here are their four main recommendations.
- Security risks: while the overall threat is moderate, Norwegian authorities report an ongoing risk from extremists targeting Jewish and Israeli sites. Remain vigilant in public spaces, especially in large cities and during major events.
- Health risks: Norway’s healthcare system is of a high standard, but access can be limited in rural regions and on islands like Svalbard. Emergency evacuation is costly and not covered under the reciprocal health agreement.
- Legal requirements: Australians must not work, including remotely, without a residence permit. Proof of sufficient funds (NOK 500 per day) and valid onward tickets may be requested at entry.
- Environmental advice: avalanches and rockslides pose risks when hiking or skiing in mountain areas, including the Jotunheimen and Hardangervidda regions. Check local weather and safety alerts before engaging in outdoor activities.
Although not required, travel insurance is strongly recommended by the Department of Foreign Affairs and Trade, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Norway.
Is travel insurance required by law to enter Norway?
No, travel insurance is not mandatory for Australian citizens travelling to Norway for tourism or short stays.
While Australia has a reciprocal healthcare agreement with Norway allowing access to emergency medical treatment in public facilities, this does not cover ongoing care, pre-existing conditions, or the cost of medical evacuation, which can be significant in remote or rural areas. Comprehensive travel insurance is strongly recommended to protect against these potential risks and financial burdens.
According to our data, 50% of travellers purchase travel insurance before going to Norway, mainly because it is a very safe country with high-quality health services, but unforeseen incidents and costs can still occur.
Why take out travel insurance for Norway?
It is an essential financial and medical protection for anyone going to Norway.
Health costs in Norway can be significant for Australian travellers, especially at private clinics like Oslo Medisinske Senter or if you need care in remote areas such as Svalbard. The public system offers high standards but requires payment for most non-emergency care, and medical evacuations are particularly expensive.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to Australia in the event of a serious issue.
Here are some examples of healthcare costs in Norway.
| Example of medical treatment | Cost at Oslo Medisinske Senter | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | NOK 25,000 (approx. AUD 3,600) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | NOK 40,000 (approx. AUD 5,800) | up to 100% |
| I need to be repatriated | NOK 320,000 (approx. AUD 46,500) | up to 100% |
| I have appendicitis (consultation and surgery) | NOK 110,000 (approx. AUD 16,000) | up to 100% |
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.
Travel insurance coverage for Norway
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Pays for treatment of illness or injury, including hospital stays and doctor’s fees. We recommend a reimbursement limit of at least AUD 300,000. |
| 🚑 Emergency medical evacuation | Covers transport to Australia or another country if local treatment is unavailable. Opt for a minimum of AUD 250,000 in cover. |
| 🧳 Baggage and belongings | Insures against loss, theft, or damage of luggage and valuables. Choose a policy covering at least AUD 5,000 per person. |
| ✈️ Trip cancellation and delay | Compensates for unrecoverable costs if your trip is cancelled or interrupted. A recommended limit is AUD 10,000 per trip. |
| 👩⚖️ Personal liability | Protects if you accidentally injure someone or damage property. We suggest a cover of at least AUD 1,000,000. |
| 🦷 Emergency dental treatment | Covers unexpected dental emergencies but not routine work. A policy should cover at least AUD 1,000–2,000. |
| 💳 Loss of money and travel documents | Will reimburse the costs of replacing stolen cash, passports, or credit cards. Pick cover of at least AUD 1,000–2,000. |
We recommend a reimbursement limit of at least AUD 300,000.
Opt for a minimum of AUD 250,000 in cover.
Choose a policy covering at least AUD 5,000 per person.
A recommended limit is AUD 10,000 per trip.
We suggest a cover of at least AUD 1,000,000.
A policy should cover at least AUD 1,000–2,000.
Pick cover of at least AUD 1,000–2,000.
Travel insurance from local providers or bank cards often comes with restricted cover, lower maximums, and various exclusions. It is safer to choose a trusted insurer offering comprehensive benefits. Compare leading plans on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Norway
| Trip duration | Traveller’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | AUD 54 |
| 2 weeks | 45 years old | AUD 92 |
| 1 month | 35 years old | AUD 148 |
| 1 month | 70 years old | AUD 278 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
Your travel insurance premium is influenced by key factors like your age, trip duration, destination, and the level of cover you need, including options for adventure sports or cancellation. Considering these will help you select a suitable policy for your Norwegian adventure, ensuring you're protected without overpaying for cover you don't need.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow can you 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 travellers | Multi-traveller policies for couples or families can be cheaper than purchasing single policies for each person. | Choose a family or group plan when possible to reduce the total price per person for similar protection. |
| 🌍 Geographical coverage | Norway is in Europe, and worldwide cover is not needed unless you visit other continents, which raises your premium. | Select Europe-only or regional Europes cover instead of worldwide, unless other destinations are included. |
| 🩺 Level of coverage | Medical care in Norway is good but not excessively expensive by European standards, so huge medical limits are not essential. | Opt for moderate medical cover such as AUD 200,000–500,000 to keep premiums balanced with risk level. |
| 🏔️ Optional activities | Adding cover for mountain or winter sports increases the premium, but Norway’s scenery entices many towards these sports. | Include sports cover only if you will ski, hike, or climb—avoid extras if not planning adventure activities. |
| 📅 Trip duration | Insurance is charged per day, so longer stays cost more. Cover only what is needed and correct trip dates. | Insure for your actual travel dates only, not longer, to avoid overpaying for unnecessary coverage. |
| 🏥 Excess amount | Higher excess means lower upfront premiums but more out-of-pocket expense in a claim. | Set a higher excess only if you have the savings to cover this; consider your risk tolerance first. |
| 👵 Traveller’s age | Premiums typically increase with age, though Norway has no unique age restrictions for coverage. | Compare providers, as some (like Heymondo) do not increase prices for people over 62, which can cut costs. |
Important
Travel insurance is not a legal entry requirement for Australians visiting Norway for up to 90 days, but it is strongly recommended due to medical evacuation costs and limited public cover for non-residents.
Relying on your current insurance in Norway
It is natural to wonder if your current insurance, such as credit card cover or the public health system, will protect you during travel in Norway. Unfortunately, this coverage is often limited or not valid outside Australia. Only travel insurance provides truly comprehensive protection during your trip. 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 (Medicare) | Limited coverage | Covers necessary emergency care in Norway only in public hospitals. No cover for medical evacuation or lost baggage. | Travel insurance can reimburse up to AUD 10,000,000 for hospital care, evacuation, or personal liability. |
| Private health insurance (Bupa, Medibank, nib) | Limited coverage | May pay some emergency costs overseas, often capped at AUD 200–500; no evacuation, cancellation, or lost items cover. | Travel insurance covers high-cost emergencies, trip cancellation, and belongings up to AUD 10,000,000. |
| Classic credit card (Commonwealth Bank, Westpac, ANZ) | Limited coverage | May offer trip delay or basic emergency care if travel paid by card, usually up to AUD 500–2,000. | Travel insurance provides AUD 10,000,000 medical and better theft, liability, and cancellation cover. |
| Premium credit card (Amex Platinum, NAB Signature, Citi Prestige) | Limited coverage | Some extra medical or luggage benefits, but most caps around AUD 5,000–20,000. Adventure or repatriation is excluded. | Travel insurance covers high-risk sports, emergencies, and full evacuation, with limits up to AUD 10,000,000. |
Example
While skiing near Tromsø, Liam suffered a severe leg fracture. The helicopter evacuation cost AU$25,000. Australia's reciprocal agreement didn't cover the flight, and his CommBank Platinum card's insurance only paid AU$2,000. Liam was left with a staggering AU$23,000 bill, a harsh reminder that basic coverage isn't enough.
Expert advice
Many bank card and health insurance policies won't cover trip interruptions, like a relative's illness or death. Always check the exclusions in your existing policies to avoid surprises abroad. In any case, buying travel insurance tailored to your trip is safer and more reassuring.
FAQ
Do I need a visa to travel to Norway?
Australian citizens do not need a visa to travel to Norway for stays up to 90 days within any 180-day period as part of the Schengen Area. You need a passport valid for at least three months beyond your departure date and may need to show proof of funds and onward travel.
How do I purchase travel insurance for Norway?
First, use the HelloSafe travel insurance comparison tool to compare policies. Carefully check coverage and exclusions, paying attention to items especially relevant in Norway such as winter sports and adventure activities. Then purchase your policy securely online and receive your certificate by email.
Does Australian Medicare cover me during my trip to Norway?
Australia’s reciprocal health care agreement with Norway covers immediate emergency public hospital care, but not private treatment, medical evacuation, or ongoing non-urgent care. Travel insurance is needed to ensure broader coverage for unexpected events, including hospitalisation and repatriation, which could be very costly.
Are winter and adventure sports covered by travel insurance in Norway?
Some travel insurance policies offer cover for activities like skiing, snowboarding or hiking, but you usually need to select this option and sometimes pay extra. Always check the policy for specific sports coverage, limits, and exclusions, especially given Norway’s popularity for mountain and winter activities.
What should I do if I need emergency help or evacuation while in Norway?
If you need urgent assistance, call 113 for ambulance or medical emergencies in Norway. For consular help, contact the Canadian Embassy in Oslo or the Australian Embassy in Copenhagen. Travel insurance will assist with emergency medical evacuation costs, but you must contact your insurer for approval where possible.
How much does travel insurance for Norway cost for Australians?
Travel insurance for a two-week holiday in Norway typically costs from around AUD 85 to AUD 200 per person. Prices vary based on your age, health, the value of cover, and whether you add winter sports, electronics, or other specific protections. Comparing policies is the best way to match cover and budget.
Do I need a visa to travel to Norway?
Australian citizens do not need a visa to travel to Norway for stays up to 90 days within any 180-day period as part of the Schengen Area. You need a passport valid for at least three months beyond your departure date and may need to show proof of funds and onward travel.
How do I purchase travel insurance for Norway?
First, use the HelloSafe travel insurance comparison tool to compare policies. Carefully check coverage and exclusions, paying attention to items especially relevant in Norway such as winter sports and adventure activities. Then purchase your policy securely online and receive your certificate by email.
Does Australian Medicare cover me during my trip to Norway?
Australia’s reciprocal health care agreement with Norway covers immediate emergency public hospital care, but not private treatment, medical evacuation, or ongoing non-urgent care. Travel insurance is needed to ensure broader coverage for unexpected events, including hospitalisation and repatriation, which could be very costly.
Are winter and adventure sports covered by travel insurance in Norway?
Some travel insurance policies offer cover for activities like skiing, snowboarding or hiking, but you usually need to select this option and sometimes pay extra. Always check the policy for specific sports coverage, limits, and exclusions, especially given Norway’s popularity for mountain and winter activities.
What should I do if I need emergency help or evacuation while in Norway?
If you need urgent assistance, call 113 for ambulance or medical emergencies in Norway. For consular help, contact the Canadian Embassy in Oslo or the Australian Embassy in Copenhagen. Travel insurance will assist with emergency medical evacuation costs, but you must contact your insurer for approval where possible.
How much does travel insurance for Norway cost for Australians?
Travel insurance for a two-week holiday in Norway typically costs from around AUD 85 to AUD 200 per person. Prices vary based on your age, health, the value of cover, and whether you add winter sports, electronics, or other specific protections. Comparing policies is the best way to match cover and budget.
On the same topic
