Compare the top travel insurance providers in Norway — see cover, features and typical rates side by side.
20 live offers compared from 12 providers, from kr300 /år. Updated daily.
kr300 /år
kr300 /år
kr300 /år
kr300 /år
kr300 /år
kr300 /år
kr300 /år
kr300 /år
kr300 /år
kr300 /år
kr300 /år
kr300 /år
kr300 /år
kr300 /år
kr300 /år
kr300 /år
kr300 /år
kr300 /år
kr300 /år
kr300 /år
Travel insurance (reiseforsikring) covers you when you travel, paying for medical treatment abroad, cancellation, delayed or lost luggage, and emergency assistance. Norwegians travel widely, and while the European Health Insurance Card covers basic public treatment within the EEA, it does not pay for repatriation, private care, cancellation or lost belongings. A travel policy fills those gaps, and an annual multi-trip policy is popular for frequent travellers.
Policies come as single-trip or annual (helårsreiseforsikring) cover, the latter usually protecting trips up to a set duration such as 45 or 90 days. Cover typically includes unlimited or high-limit medical costs, cancellation, luggage, personal liability and 24-hour emergency assistance. Many Norwegians already hold travel cover bundled with a home-contents policy or a credit card, so it is worth checking before buying separately. Winter-sports and high-value gadget cover are common add-ons.
Medical and repatriation — Covers private treatment and the high cost of flying you home in an emergency, which the EHIC does not.
Cancellation cover — Reimburses prepaid trips cancelled for illness or other covered reasons.
Luggage and delay — Compensation for lost, stolen or delayed baggage and missed connections.
Family and annual options — One policy can cover the whole household for a year of trips.
First check whether you already have travel cover through your home-contents policy, credit card or bank, to avoid paying twice. For frequent travellers an annual policy is usually cheaper than repeated single trips. Compare the medical limit, cancellation ceiling, luggage cover and the excess. Confirm that your typical destinations and activities, such as skiing or hiking, are included, and check the maximum trip length on annual policies.
If Insurance and Gjensidige are among the largest travel insurers, often bundling cover with home policies. Fremtind (SpareBank 1 and DNB) distributes widely through banks. Storebrand, Frende, Codan, SpareBank 1 and Protector all offer travel cover, and many customers get it as part of a broader insurance package.
An annual family travel policy commonly costs a few hundred to around a thousand kroner or more, with a typical entry point near 300 NOK for basic individual annual cover; single-trip policies are cheaper for one journey. Price depends on the medical limit, whether it is single or family, trip length and any winter-sports or high-value-item add-ons. A claims excess may apply per incident.
Travel insurers are authorised and supervised by Finanstilsynet and must follow Norwegian insurance-contract law. The European Health Insurance Card (Europeisk helsetrygdkort) remains useful for public treatment within the EEA but is not a substitute for private travel cover. Disputes over claims can be brought to Finansklagenemnda.
Do I still need it if I have the EHIC? Yes; the EHIC only covers basic public treatment in the EEA, not repatriation, cancellation or luggage.
Is travel cover included with my home insurance? Often, yes; many Norwegian home-contents policies bundle travel cover, so check before buying separately.
Are winter sports covered? Usually only if specified; add winter-sports cover for skiing and similar activities.
The cheapest Travel Insurance in Norway is kr300 /year from Fremtind Forsikring.
Giraffy tracks 5 travel insurance products across Fremtind Forsikring,Gjensidige Forsikring,If Insurance Norway,SpareBank 1 Forsikring,Storebrand insurers in Norway. The lowest tracked price is kr300 /year. Compare by cover level and excess, not just price — a very cheap policy may have low medical cover limits or high excesses that leave you underinsured.
At minimum, look for: emergency medical treatment and repatriation (at least £5–10 million), trip cancellation and curtailment, baggage and personal effects, personal liability, and passport/travel document cover. Travel to the US requires especially high medical limits due to healthcare costs.
If you take three or more trips per year, annual multi-trip insurance is almost always cheaper than buying single-trip policies. The annual policy covers an unlimited number of trips up to a maximum trip duration (typically 31–90 days). Check that all your planned destinations and activities are included.
Standard policies often exclude pre-existing conditions or charge an additional premium to include them. Always declare medical conditions when applying — failure to disclose can invalidate your claim. Specialist providers offer cover for conditions like diabetes, heart disease, and cancer, though premiums will be higher.
Most standard policies exclude or limit adventure sports — skiing, snowboarding, scuba diving, and other higher-risk activities require specialist cover or add-ons. If you're planning active travel, check the policy's activity list or take out a specialist policy that explicitly includes your planned activities.
The excess is the amount you pay towards each claim before the insurer pays the balance. Higher excess = lower premium. Choose an excess you can comfortably afford — if your excess is £200 and your lost luggage claim is £150, you'll receive nothing. Check whether the excess applies per claim or per incident.