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Travel Insurance Iceland | Secure Your Iceland Trip

Travel Insurance Iceland

When it comes to embarking on an adventurous journey to Iceland, which is known as the land of fire and ice, you need to ensure the safety and security of your trip. To do so, I am here to recommend travel insurance Iceland. In this article, we will delve into the essential aspects of travel insurance Iceland, and we will guide you through the benefits, coverage, and factors to consider while selecting the right Iceland travel insurance plan.  To make sure you have all the information you need, take the time to read below and check out the Top 6 Travel Insurance Plans of 2023 for those just-in-case moments.

Travel Insurance Iceland

What is Travel Insurance?

First off, what is travel insurance, and why do you need it?  Travel insurance is a safeguard against unexpected events that can occur during your journey. It provides coverage for medical emergencies, trip cancellations, lost baggage, and other mishaps that might disrupt your travel plans. Believe me when I say I know how easy it is to have a mishap on a trip.  It happens all the time, so you need to make sure you are protected!


Why is Travel Insurance Important for Iceland?

Iceland, with its fascinating landscapes and adventurous activities, will offer you an unforgettable experience. However, the remote and unpredictable nature of the country’s terrain makes travel insurance vital. From sudden weather changes to unforeseen accidents, travel insurance Iceland ensures you’re prepared for any eventuality.

Insurance 101: Don’t Let Adventure Ruin Your Thrills (or Your Wallet!)

Alright, my fearless adventurers, let’s talk about insurance because nothing screams “fun” like reading through pages of fine print, am I right? So, your wanderlust has brought you to Iceland, the land of glaciers and volcanoes, and you’re ready to embark on some heart-pounding outdoor activities. But before you go all Bear Grylls on us, let’s make sure your insurance is up to snuff.

Coverage for Adventure Activities: Don’t Get Caught Uninsured

When it comes to travel insurance, there’s one golden rule: make sure it covers the specific adventure activities you plan to conquer. We’re talking glacier hiking, volcano tours, and all those ridiculously thrilling activities that make your heart leap out of your chest. Don’t just assume your run-of-the-mill travel insurance will have your back in these hair-raising situations. Go through that policy with a magnifying glass, consult with your insurance provider, and make damn sure you’re covered for the intense stuff.


Additional Coverage for High-Risk Activities: Extreme Doesn’t Mean Cheap

But here’s the deal, my daredevils: not all adventure activities are created equal in the eyes of insurance companies. Some extreme and high-risk activities might require you to go the extra mile and shell out some extra cash for that additional coverage. Yeah, I know, it’s not the most thrilling way to spend your money, but trust me, it beats starting a GoFundMe page to cover your hospital bills. 

Icelandic Geologic Activity: When Mother Nature Throws a Fiery Tantrum

Bárðarbunga Volcano
peterhartree, CC BY-SA 2.0 via Wikimedia Commons

Well, well, well, my intrepid travel warriors, Iceland’s got it all: glaciers, waterfalls, and enough volcanic activity to make Mount Doom blush. That’s right, Iceland’s location on the Mid-Atlantic Ridge means that earthquakes and volcanic eruptions are as regular as your morning coffee. So, let’s talk about how to deal with Mother Nature’s hissy fits.

Coverage for Natural Disasters: Don’t Let Mother Nature Get the Last Laugh

Listen up, my fearless adventurers, when it comes to natural disasters, especially those related to Icelandic geologic activity, you want to make sure you’re covered, like really covered. That means checking your travel insurance policy to make sure it includes coverage for events like volcanic eruptions and earthquakes. Trust me, you don’t want to be left stranded or dealing with a volcanic ash cloud that makes you look like a charcoal briquette.

Potential Impact on Travel Plans: When Mother Nature Gives You Lemons

When it comes to Icelandic geologic activity, it’s not just flight cancellations and delays you need to worry about, my fierce explorers. Earthquakes could impact infrastructure and transportation, and volcanic ash clouds could make your travel plans go up in smoke, quite literally. So, be prepared for the worst-case scenario, and remember that sometimes, Mother Nature gives you lemons instead of Instagram-worthy travel pics. But fear not, because as fearless solo female travelers, we know how to roll with the punches, adapt, and make lemonade out of those geologic lemons.

Coverage Offered by Travel Insurance


Medical Expenses Coverage

Medical emergencies can happen anywhere, and being in a foreign country might complicate matters. Travel insurance covers medical expenses, including hospitalization and treatment, ensuring you receive proper care without financial strain. Ensuring you can get healthcare in a foreign country is absolutely necessary, and with all of the fun outdoor activities Iceland has to offer, the possibility of an injury is much more likely. Travel insurance Iceland will cover those out-of-the-ordinary expenses in the unlikely event that you get hurt. 

Trip Cancellation or Interruption

Life is unpredictable, and plans can change. If you need to cancel or cut your trip short due to unforeseen events like illness, travel insurance Iceland can reimburse you for non-refundable expenses.

Lost Baggage and Personal Belongings

Losing your luggage can be a nightmare, especially when you’re far from home. Travel insurance Iceland compensates you for lost or stolen baggage, helping you replace essential items.

Emergency Evacuation

Iceland’s rugged landscapes can pose risks for adventurers. In case of accidents in remote areas, Iceland travel insurance covers emergency evacuation, ensuring you receive timely medical attention.

Additional Coverage Options

Travel insurance for Iceland doesn’t just protect you from the common travel mishaps; it can also offer a range of additional coverage options to enhance your peace of mind and ensure a secure journey. Here are some supplementary benefits to look for when selecting your Iceland-specific travel insurance plan.

  • Trip Delay Coverage: In Iceland, weather conditions can be unpredictable, potentially leading to delays in transportation. Trip delay coverage can reimburse you for additional expenses incurred due to extended stays, such as accommodation, meals, and essential items.
  • Missed Connection Coverage: If you’re taking connecting flights to reach Iceland and miss a connection due to unforeseen circumstances, this coverage can help you with the costs associated with rebooking flights and accommodations while waiting for the next available flight.
  • Emergency Assistance Services: Iceland’s remote regions might pose challenges in case of emergencies. Look for insurance plans that offer 24/7 emergency assistance services. These services can help you navigate unfamiliar situations, find medical care, or arrange for evacuation if necessary.
  • Natural Disaster Coverage: Iceland is known for its geological activity, and volcanic eruptions or earthquakes can disrupt travel plans. Look for a policy that provides coverage in the event of natural disasters, allowing you to recoup non-refundable expenses.
  • Baggage Delay Coverage: If your luggage is delayed upon arrival in Iceland, this coverage can help you purchase essential items until your baggage is returned. It can be especially useful if you need specific gear for outdoor activities.
  • Personal Liability Coverage: This coverage can protect you in case you inadvertently cause damage to someone else’s property or are involved in an accident where you are liable for injury or property damage.

Types of Travel Insurance Iceland Plans

1. Single-Trip Insurance: Ideal for one-time travelers, this plan covers a specific trip and its duration.

2. Multi-Trip Insurance: If you’re a frequent traveler, this plan offers coverage for multiple trips within a certain period, saving you the hassle of purchasing insurance for each trip.

3. Comprehensive Insurance: This all-inclusive plan covers a wide range of scenarios, including medical emergencies, trip cancellations, and more.

4. Specialized Adventure Travel Insurance: For adrenaline junkies heading to Iceland’s wild terrains, this plan covers adventurous activities like glacier hiking and volcano exploration.

Factors to Consider When Choosing Travel Insurance

Coverage Offered by Travel Insurance

Duration and Nature of Your Trip: The length of your stay and the activities you plan to undertake will need to be taken into consideration while choosing your insurance plan.

Activities and Adventures Planned: If your itinerary includes extreme sports or outdoor adventures, ensure your insurance covers these activities. Anything that is more of an extreme nature will not be covered under a regular travel insurance plan.  Ensure you add it on if you are doing anything that is considered extreme.  Check your policies first to ensure you have coverage.

Pre-existing Medical Conditions: Declare any pre-existing conditions to ensure they’re covered under your insurance plan.

Budget Considerations: You’ll need to take into consideration the level of coverage you need and find the balance between coverage and cost to find a plan that suits your budget.

Benefits of Having Travel Insurance for Iceland

Peace of Mind Amid Uncertainties: Travel insurance relieves worries about unforeseen events, allowing you to focus on enjoying your trip.

Financial Security Against Mishaps: From flight cancellations to medical emergencies, insurance provides financial support when you need it most.

Access to 24/7 Assistance Services: Travel insurance Iceland often includes round-the-clock assistance, helping you navigate unfamiliar situations.

Making a Claim: Step-by-Step Guide

Contacting Your Insurance Provider: Notify your travel insurance Iceland company as soon as a problem arises, and they will guide you through the process.

Documenting Incidents: Keep records of incidents, including photographs and written accounts, to support your claim.

Filing the Claim: Follow your insurer’s instructions to submit the necessary documents for your claim.

Policy Review 101: Unleash Your Inner Insurance Sleuths

Oh, policy review, it’s like reading the fine print of a legal thriller, but without the suspense or sexy detectives. Yet, my fearless adventurers, understanding your travel insurance policy is crucial to avoid any facepalm-worthy surprises down the road. So, grab a cup of coffee (or wine, if you prefer) and let’s dive into the thrilling world of policy review together!

Exclusions, Limitations, and Conditions: The Unholy Trinity of Travel Insurance

Exclusions are like the bouncers at a hot nightclub, denying entry to specific situations or events that the policy won’t cover. Limitations are the party poopers, setting boundaries on how far the coverage will stretch. And conditions are the rule setters, outlining the requirements or circumstances for coverage to apply. They’re like that friend who tells you to wash your hands before eating cake – annoying, but necessary. So, read these sections carefully, my savvy insurance sleuths, and make sure you know what you’re getting into.

Pre-Existing Medical Conditions: Because Life Just Loves to Mess with Us

Ah, the joys of pre-existing medical conditions, the gift that keeps on giving. When it comes to travel insurance, my fabulous travelers, take a moment to delve into how these tricky little conditions are addressed in your policy. Some policies may have limitations or exclusions that make you feel like you’re playing a game of medical hopscotch. But fear not, my fierce warriors, knowledge is power! So, arm yourself with information, ask questions, and make sure you understand how your pre-existing conditions are covered (or not) before you embark on your epic adventure.

Activities Not Covered: Don’t Let the Insurance Fun Police Ruin Your Thrills

Insurance policies can be a bit finicky when it comes to certain high-risk or extreme activities. So, check if your policy has a naughty list of activities that are not covered. Skydiving, bungee jumping, and anything else that makes your heart pound like a jackhammer may need some extra provisions or a specialized policy. Because we all know that your adventurous spirit can’t be contained by the insurance fun police, my fearless rule-breakers.

Common Myths About Travel Insurance


“I Don’t Need Travel Insurance for a Safe Destination”

Even in safe locations like Iceland, unexpected events can disrupt your plans. A twisted ankle or a broken leg can put an end to your trip in seconds.

“My Regular Health Insurance Will Cover Me Abroad”

Most regular health insurance policies do not cover international travel.

“Travel Insurance is Too Expensive”

The cost of insurance pales in comparison to potential expenses from unforeseen incidents. My one trip to the ER for kidney stones was $150 US, while travel insurance would have been closer to $100 total, and that was for a simple fix.


Travel insurance Iceland is your reliable companion when exploring the country’s breathtaking landscapes. It ensures that your journey is not only memorable but also secure, allowing you to embrace adventure with peace of mind.  And no matter where you go, always remember to Travel Till You Drop! 

Book Your Trip : Check Out My Resources for Your Travel Needs


Use Skyscanner to find a cheap flight.  This is my very first stop when I’m looking for my next trip. It’s a fast, easy-to-use search engine that is perfect for finding an affordable flight, a perfect hotel, and the right rental car for you in locations around the globe.

Book Your Accommodation

If you are looking for a super budget friendly location and are open to a hostel stay, make sure you book your hostel with Hostelworld. It offers the broadest range of quality hostels around the world. 

If you’d prefer a hotel or a guesthouse for stays less than 28 days, drop on over to It’s perfect for providing excellent options, a ton of user reviews, and prices to fit every budget.

For stays over 28 days, AirBnB still remains my #1 choice. User reviews and monthly pricing allow for some incredible deals all around the world.

Don’t Forget Travel Insurance

Travel insurance is but a small up-front investment that you won’t want to leave home without. After just one experience of having to delay or cancel your trip or having your luggage stolen, you’ll wish you would have made that investment.  I’ve hated my life a few times when the moment arose, and I decided to skip out.  Let’s just say, I’ve changed my ways and recommend each of the following companies to protect your ass-ets.

My favorite companies are:         

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About Jill

Hi, Jill Here

Hi! I’m Jill, a Dallas, Texas girl traveling the world. After a career in the Air Force and touring over 50 countries later, my need to explore keeps going! It’s time to rock & roll and find all those places I never knew I was missing.

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I only recommend products I would use myself, and all opinions expressed here are our own. This post may contain affiliate links that, at no additional cost to you, I may earn a small commission.