If you're a United States (U.S.) citizen or Green Card holder planning a trip to Iceland, it’s important to know about travel insurance requirements—especially if you need a Schengen visa to visit this beautiful country. While U.S. citizens don’t need a visa for short stays, some travelers, such as Green Card holders from visa-required countries, must obtain one to enter Iceland. And for that, Schengen travel insurance is mandatory.
Is travel insurance Required for Iceland?
Iceland is part of the Schengen Zone, which means if you need a Schengen visa, you’re required to have Schengen travel insurance. This travel insurance needs to meet specific conditions, such as covering at least €30,000 (approximately $33,000 USD) in medical expenses (AXA Schengen travel insurance covers you starting from $50,000 dollars), including medical evacuation and repatriation. If you’re not required to obtain a Schengen visa, having travel insurance is not mandatory, but it’s highly encouraged.
Do U.S. Citizens Need a Schengen Visa for Iceland?
If you hold a U.S. passport, you're in luck—U.S. citizens don’t need a visa for short stays in Iceland, up to 90 days. However, if you’re a U.S. resident but not a citizen and your home country require a Schengen visa, you will need to apply for one before your trip.
What Does AXA Schengen travel insurance Cover?
If you need a Schengen visa, AXA offers a range of travel insurance coverage that meet all the Schengen visa requirements.
- Up to $100,000 in medical expenses: Whether you catch a cold or need more extensive medical care, you're covered.
- Up to $500 for dental expenses: Dental emergencies are covered too.
- Medical evacuation and repatriation of remains: In case you need to be transported home due to an emergency.
- 24-hour assistance: English-speaking medical support is available around the clock to help you in any urgent situation.
- Coverage for all Schengen countries: Even if your trip includes visits to other Schengen countries, your AXA policy protects you throughout your journey.
What Should I Do If I Get Sick or Injured in Iceland?
In case of an emergency, contact local emergency services first. Then contact AXA Schengen’s call center for 24/7 assistance. Medical professionals will help you find the nearest medical facility and advise you on your next steps.
Diseases Coverage
AXA Schengen travel insurance also offers emergency medical coverage, provided you follow the travel advisories of the World Health Organization, your home country, and Iceland.
Iceland Emergency Numbers
If you need emergency services while in Iceland, the number to call is 112. This number will connect you to police, fire, and medical services. For non-emergency situations, keep these numbers handy:
- Police (non-emergency): +354 1761
- Coast Guard (for emergencies at sea): +354 416 2222
Tips for U.S. Travelers
- Currency: Iceland uses the Icelandic króna (ISK), so be sure to exchange some dollars before arriving.
- Weather: Prepare for unpredictable weather. Pack layers and waterproof gear.
- Public transport: Buses are the main form of public transportation in Reykjavík and across Iceland. For greater flexibility, consider renting a car or booking a guided tour.
Iceland is an awe-inspiring destination, and AXA Schengen travel insurance can help ensure your trip is both safe and enjoyable. Whether you're gazing at the Northern Lights or exploring a volcano, AXA travel insurance offers the support you need every step of the way.
AXA Schengen travel insurance

Essential
The AXA Schengen Essential offers cost-effective coverage for your trip to Europe. With up to $50,000 in medical protection, it helps you stay prepared for the unexpected. Whether you’re traveling for leisure, business, or require a Schengen visa, it meets all official requirements and offers protections across all countries in the Schengen Area.

Advantage
The AXA Schengen Advantage offers flexible protection for your trip to Europe. With up to $100,000 in medical coverage, it offers higher coverage limits as you travel across all Schengen Area countries.

Annual
The AXA Schengen Annual provides coverage for all your trips to Europe throughout the year. With up to $100,000 in medical coverage, it is ideal for frequent travelers and multiple-entry Schengen visa holders.