The Nordic island nation of Iceland is among the top holiday destinations in Europe. Its diverse landscape is dotted with massive glaciers, stunning ice caves, cascading waterfalls, black sand beaches, and so on. Its capital city is Reykjavik, which is considered one of the best places to witness the majestic Northern Lights. Alongside its picturesque natural beauty, Iceland is noted for its rich cultural heritage.
To ensure your trip stays hassle-free, get travel insurance for Iceland. It is a policy that financially protects you against various medical and non-medical contingencies throughout the course of the trip.
This chart highlights some of the key features of the Iceland travel insurance.
Key Features | Details |
Comprehensive coverage amount | Total coverage from $40k to $1,000k available. |
Wide protection range | Covers medical and non-medical emergencies, including baggage and journey-related hassles. |
Cashless hospital network | Cashless treatments handled by a worldwide network of 1 lakh+ hospitals. |
COVID-19 Coverage | Offers coverage for COVID-19-related hospitalisation and medical emergencies. |
Health checkup requirement | No requirement for a health checkup before travelling. |
Round-the-clock assistance | Provides 24/7 customer support. |
Here are the different types of travel insurance plans available for purchase;
With travel insurance for Iceland from India, you get to enjoy these benefits;
One of the main perks of Iceland travel insurance is its emergency medical coverage. It covers expenses arising out of emergency hospitalisation, OPD treatment, medical evacuation, etc. Subject to policy terms and conditions.
With Iceland travel insurance, your trip is covered against journey-related interruptions. This includes flight delays, trip cancellations, personal liability, missed flight connections, etc. Subject to policy terms and conditions.
Baggage-related hassles, like loss of checked-in baggage, theft of baggage and its contents, etc., can derail the trip. International travel insurance covers such unfortunate events, ensuring your journey remains unaffected. Subject to policy terms and conditions.
Travel insurance for Iceland offers cashless claims. It makes sure that you receive prompt treatment at a network hospital for medical emergencies without worrying about upfront payments. Subject to policy terms and conditions.
Dealing with medical emergencies, flight delays, baggage loss, etc., in a foreign land can cause severe financial strain. Iceland travel insurance covers such unfortunate events, ensuring financial peace of mind. Subject to policy terms and conditions.
Planning and managing a trip can be stressful in itself. With travel insurance for Iceland, you can enjoy your trip without worries, knowing that you are covered against unexpected events. Subject to policy terms and conditions.
The coverage under travel insurance for Iceland from India includes;
The policy handles the costs of medical emergencies arising out of hospitalisation, OPD treatment, road ambulance, emergency medical evacuation, repatriation of mortal remains, medical repatriation, etc. Subject to policy terms and conditions.
Dental health is just as vital as your overall physical health. Hence, the travel insurance policy covers emergency dental expenses occurring during the Iceland trip. Subject to policy terms and conditions.
In case you get hospitalised during the trip due to a medical emergency, the insurer will pay the per-day sum insured for each day of complete hospitalisation. This is up to the maximum duration mentioned in the policy. Subject to policy terms and conditions.
In case the insured suffers accidental injury leading to death or permanent disablement while travelling in a common carrier during the foreign trip, the policy will provide financial compensation. Subject to policy terms and conditions.
In case the insured suffers accidental injury leading to death or permanent disablement while travelling in a common carrier during the foreign trip, the policy will provide financial compensation. Subject to policy terms and conditions.
Losing important documents like a passport and an international driving licence (IDL) on a foreign trip can be a nightmare. Iceland travel insurance reimburses for the costs of obtaining a new or duplicate IDL and/or passport, so your trip stays uninterrupted. Subject to policy terms and conditions.
In the event your Iceland trip gets delayed or cancelled, travel insurance helps recover the non-refundable portion of activities and accommodations booked in advance. Subject to policy terms & conditions.
International travel insurance offers personal accident cover. Under this, a lump sum payment is made to the insured or their family to help deal with the financial burden caused by accidental death or permanent disability during the trip. Subject to policy terms and conditions.
If an unforeseen circumstance arises causing you to cut your trip short, the non-refundable amount of the advanced booked accommodation and activities will be reimbursed under Iceland travel insurance. Subject to policy terms & conditions.
The travel insurance covers unexpected expenses due to missed flight connections. It includes costs incurred on accommodation and alternate flight booking to get to your destination. Subject to policy terms and conditions.
If you are dealing with a money shortage due to being a victim of theft or robbery while on your Iceland trip, know that travel insurance has got your back. It helps facilitate funds to you abroad from your family in India. Subject to policy terms and conditions.
While chances are very low, flight hijacking is still a threat. If you are affected by a flight hijacking on your foreign trip, the policy will offer compensation to help you cope with the resulting distress. Subject to policy terms and conditions.
It is not possible to predict or avoid flight delays or cancellations. However, with travel insurance, you can get reimbursement for the essential expenses incurred due to such setbacks. Subject to policy terms and conditions.
If you need to extend your hotel stay due to a medical emergency during the Iceland trip, international travel insurance can help cover the additional expense. Subject to policy terms & conditions.
If your baggage and its contents get stolen, it can ruin your mood and the flow of the trip. Thankfully, travel insurance offers reimbursement for baggage theft, ensuring your trip stays on track. Subject to policy terms and conditions.
Losing your checked-in baggage can be distressing. Travel insurance compensates for this loss, ensuring you have access to your vacation basics and essentials while on the trip. Subject to policy terms and conditions.
Your checked-in baggage got delayed? Well, that can be troublesome. With Iceland travel insurance, you don’t have to worry a lot as it reimburses you for essential purchases, such as medication, clothing and toiletries, so that your trip stays uninterrupted. Subject to policy terms and conditions.
Note: The above coverage is only for illustrative purposes. Check specific policy wordings and terms & conditions for exact coverage details.
The Iceland travel insurance from India usually doesn’t offer coverage in case of the following;
The Iceland travel insurance plan doesn’t cover sickness or health issues resulting from war or breach of the law.
In case you consume illegal or intoxicating substances, travel insurance for Iceland will not accept any claims.
Hospitalisation and medical expenses resulting from self-inflicted injuries remain excluded from the coverage of the travel insurance plan.
If you or a family member gets any cosmetic or obesity treatment during the course of the insured trip, the travel insurance for Iceland will not cover its expenses.
Buying Iceland travel insurance online from HDFC ERGO is a straightforward process. Here are the steps for it;
1. Visit the HDFC ERGO travel insurance page,
2. Click “Buy Now” after picking the trip type,
3. Enter the trip information, like traveller details, trip destination and duration, etc.
4. Click “Get Quote”, enter your contact details and press “Submit”,
5. Select the preferred sum insured and the plan type and click “Buy Now”,
6. Provide the insured and proposer’s details and verify the policy.
7. Get to the online payment gateway and pay the premium to confirm the booking.
Here are some fun facts about Iceland that you should know before the trip;
Categories | Specification |
Language | The official language of Iceland is Icelandic. It has several words to describe weather, with 100+ words for “wind” alone. |
Safety | Iceland has been ranked as the safest country in the world for 14 years in a row. |
Bustling capital | More than 60% of Iceland’s population, which is about 140,000 people, lives in the capital city of Reykjavik. |
Mythological beliefs | A lot of people in Iceland believe that mystical creatures, like trolls and elves, really exist. |
Alcohol history | Beer, the favourite kind of alcoholic drink around the globe, was banned in Iceland between 1915 and 1989 by popular vote. |
Glacial landscape | Around 11% of Iceland’s total geography is covered by glaciers. |
Here is a general list of documents required for obtaining the Schengen tourist visa for Iceland;
1. Valid passport,
2. Filled and signed the visa application form,
3. Recent bank statement of the applicant,
4. Recent passport-size photos of the applicant,
5. Proof of reserved return or round-trip tickets,
6. Proof of accommodation,
7. A valid Iceland travel medical insurance with a minimum coverage of €30,000,
8. Document confirming the purpose of travel,
9. Proof of visa fee payment,
10. Additional documentation for minors (if applicable).
Summer, which starts in June and ends in August, is widely considered the best time to visit Iceland for general tourism purposes. During these months, the country experiences a milder temperature range alongside long daylight hours. It offers ample opportunities for tourists to engage in sightseeing and fun outdoor adventures, like hiking, wildlife watching, exploring the Icebergs, etc. The remarkable phenomenon of the midnight sun during this season also attracts tons of visitors.
However, if you are thinking about visiting Iceland to watch the Northern Lights, plan your trip for the winter. This season extends from September to March, offering great aurora viewing opportunities for the masses. Tourists also love to take on challenging glacier hikes, explore the ice caves and take a dip in the Blue Lagoon hot spring during this season. The Christmas markets and New Year’s celebrations in Reykjavik deserve a special mention. Regardless of the time of the visit, make sure your trip is protected against unforeseen events with Iceland travel insurance.
• Wind and waterproof jacket.
• Gloves, hat and headband.
• Woollen or synthetic socks.
• Sunglasses.
• Waterproof hiking boots.
• Sun lotion.
• Sleeping mask.
• Thermal base layers.
• Power bank and charging adapter.
A smart traveller takes all the necessary precautionary and safety measures. So, here are some handy tips for your Iceland trip;
1. For assistance with police, fire or ambulance, dial 112, which is the number of the Icelandic emergency services.
2. Get Iceland travel insurance from India to ensure your trip is financially covered against medical, baggage and journey-related emergencies.
3. Pharmacy or chemist stores in Iceland are called “apótek” or “lyfjaverslun”. Be familiar with it so you can find one when needed.
4. Theft and petty crimes in Reykjavik are pretty rare, but may still happen. So keep your personal belongings safe when travelling.
5. The weather in Iceland can change at a moment’s notice, so be sure to check the weather forecast before going outside for activities.
6. Iceland is highly prone to earthquakes. Though they are rarely dangerous, when faced with an earthquake, make sure to duck under a table or in a corner of the room, cover your head with your arms and hold on to the wall or table leg.
As of now, there are no COVID-19-related restrictions or guidelines in Iceland. General precautions that you can follow include;
1. Wear a face mask in public,
2. Wash hands and maintain personal hygiene, and
3. Avoid large crowd gatherings.
For your trip, kindly refer to the detailed list of international airports in Iceland below;
City | Airport Name |
Suðurnesjabær (3 km west of Keflavík) | Reykjavík–Keflavík International Airport (KEF) |
Akureyri | Akureyri International Airport (AEY) |
On your trip, make sure to check out the most popular destinations in Iceland, such as;
The capital city of Reykjavik is the main centre of attraction in Iceland. It acts as the gateway to other key locations in the country and is noted for its incredible cultural and artistic heritage. For the quintessential Iceland tourism experience, make sure to spend a few days in this city. Main attractions in and near Reykjavik include the Hallgrimskirkja, Rainbow Street, Sun Voyager, Blue Lagoon, etc.
It is the most popular tourist destination in Northern Iceland. Nestled on the southern end of the fjord Eyjafjörður, this town is popular among visitors for its enchanting natural beauty. Akureyri is also a famous hub for adventure sports, like hiking, skiing, etc. Whale-watching tours from this town are also quite famous. Its key attractions include the Akureyri Botanical Gardens, Akureyrarkirkja Church, Hof Cultural Centre, etc.
The small town of Selfoss is located on the banks of the River Ölfusá. It is a perfect location for tourists willing to explore the southern side of Iceland. This town is also blessed by Mother Nature, offering panoramic views of majestic landscapes comprising glaciers, mountains, rivers, waterfalls, etc. Tourists visiting Selfoss love to embark on shopping adventures and experience the local nightlife. Get Iceland travel insurance to secure your trip against contingencies.
Akranes is only a 40-minute drive away from Reykjavik. It is a quaint Icelandic port town, dotted with factories. One of the key tourist attractions of this town is the ancient lighthouse. It is one of the most picturesque locations in the region. The serene waterfront views make it an ideal site for picnics. Akranes also has museums, campsites, swimming pools, etc., to offer to the visitors.
For a laid-back vacation experience on your Iceland trip, visit Hofn. It is situated in Iceland’s southeast region, near the famous Jökulsárlón Lagoon. When you set foot in Hofn, you will be welcomed by jaw-dropping views of the surrounding landscapes, which are dominated by glaciers, mountains, valleys and the sea. Its key attraction is the Vatnajökull National Park, which is about a 2-hour drive from the town.
Only 15 km from Reykjavik lies the town of Mosfellsbær in Iceland. Its diverse landscape caters to various hiking needs in the region. Its green valleys and array of greenhouses in this town justify its nickname, which is the “Green Town of Iceland”. During your visit to Mosfellsbær, you can check out its main tourist attractions, which include the Mosfellsbær Golf Club, Laxnes Horse Farm, Varmárlaug, etc.
Fill your Iceland trip itinerary with key experiences such as;
1. On your Iceland trip, make sure to witness the incredible phenomenon of the Midnight Sun or Northern Lights.
2. Get a car on hire and drive the Golden Circle. It is a 300 km long scenic drive route with plenty of historical and natural attractions.
3. Explore the true beauty of the country on foot. There are numerous hiking trails across Iceland that you can consider, especially the Skaftafell Nature Reserve.
4. Witness wild reindeer roaming in the snow-covered landscapes of Eastfjords. It will feel like a scene from a wildlife documentary.
5. Go whale watching in Husavik and witness the majestic mammals up close.
6. Stroll the black sand beach in South Iceland and click memorable pictures for the photo book.
7. While on your Iceland vacation, consider taking an Icelandic horse ride along the scenic route of the Víkurfjara Black Sand Beach.
Here are some handy tips to help you save some money on your Iceland trip;
1. Generally, it is best to plan a trip outside the peak season to ensure a budget-friendly vacation experience.
2. However, if you are visiting during peak season, it is best to book your tour, accommodations, flights, etc., in advance. This helps you avoid peak season surcharges.
3. Get a Reykjavik City Card, which gives access to zoos, family parks, swimming pools, museums, galleries, etc., in the city. The 24-hour card costs 5040kr, and options for 48 and 72-hour cards are also available.
4. There are plenty of budget hotels and farm stay options available in Iceland. They offer a cosy stay experience at reasonable rates. If travelling in groups, summer houses can be a great value-for-money option.
5. Note that a flight from Reykjavik to Akureyri can be a cheaper alternative than a bus if booked in advance during the off-peak season.
If you are craving Indian food on your Iceland trip, visit these restaurants;
Indian Food Box
Address: Langirimi 21, 112 Reykjavík, Iceland
Popular Dishes: Dal Makhani, Desi Lamb Nihari, etc.
Gandhi Indian Restaurant and Bar
Address: Bergstaðastræti 13, 101 Reykjavík, Iceland
Popular Dishes: Tandoori Paneer Soola, Bhatti ka Murgh, etc.
Indian Curry House
Address: Ráðhústorg 3, 600 Akureyri, Iceland
Popular Dishes: Tikka Masala, Chicken Madras, etc.
Bombay Bazaar
Address: Ármúli 10, 108 Reykjavík, Iceland
Popular Dishes: Tandoori Tikka Masala, Channa Masala, etc.
Here are some local laws and cultural etiquette in Iceland that tourists need to know about;
1. Avoid littering anywhere in Iceland during your visit. A fine for this offence can be up to 100,000 ISK.
2. Iceland’s unblemished natural beauty should be kept as it is. Even the moss that grows on the rocks should be left untouched.
3. In Iceland, respect other people’s personal space and privacy. Avoid standing too close to someone else in public places.
4. The people of Iceland do appreciate punctuality, but their take on time management is quite relaxed.
5. A simple handshake with a smile is the best way to greet someone in Iceland.
6. Tipping in Iceland is not a common practice. Although not compulsory, you can leave a tip if you are satisfied with the service.
Here are the details of the Indian Embassy in Iceland;
Embassy | Website | Address | Contact |
Embassy of India, Reykjavik, Iceland | https://indianembassyreykjavik.gov.in | Embassy of India, Tungata-7, Reykjavik, Iceland. | 00354-5349955 |
Take your pick from the options below, so you can be better prepared for your trip to a foreign country
Here are some of the countries that require mandatory overseas travel insurance: This is an indicative list. It is advisable to check each country’s visa requirement independently before travel.
Source: VisaGuide.World
Yes. Indian travellers planning on visiting Iceland will need to apply for a Schengen Visa, and one of the main requirements for this visa is a valid travel medical insurance.
Indian travellers who are planning on visiting Iceland for the purpose of holidays, study, business/official purposes, and employment are eligible for international travel insurance.
The age limit for annual multi-trip travel insurance varies across providers. With HDFC ERGO, the age limit for this type of plan is between 91 days to 80 years.
Yes. The Iceland travel insurance from India offers coverage for a variety of emergency medical expenses, including medical repatriation. It pays the costs incurred for transporting an insured person back to India in case he/she is unable to continue the trip after hospitalisation.
You need to first assess your trip and coverage requirements to find out an ideal sum insured amount. Then, factor in your budget and get the best coverage possible. Do note that for your Schengen visa, you need Iceland travel insurance with a minimum of €30,000 cover for medical emergencies.
Whether or not the Iceland travel insurance covers pre-existing diseases depends from insurer to insurer. To find out whether the plan includes it or not, carefully check the policy wording.