Visitor Insurance for Reykjavik Residents Visiting the USA (2026)
Iceland's universal healthcare doesn't follow you to the US. One ER visit can cost more than a transatlantic flight — without coverage.
Iceland's Sjúkratryggingar Has No US Coverage
Iceland operates one of the world's best universal healthcare systems through Sjúkratryggingar Íslands (SÍ), offering full coverage in Iceland and EHIC benefits across EEA countries. However, the United States is not part of this network — and Iceland and the USA have no reciprocal healthcare agreement. Icelandic nationals visiting the USA face the full cost of American medical care. A single ER visit starts at $2,400, and a hospitalization averages $11,700 per night. This is a stark contrast to Iceland's near-free healthcare system, and the financial gap can be devastating without dedicated visitor insurance for every US trip.
A US ambulance ride alone averages $1,200 — before any hospital treatment begins.
What US Medical Bills Actually Look Like
Emergency Room Visit
$3,100–$8,000
Triage, exam, basic tests
One Night Hospitalization
$11,700–$22,000
Room, nursing, meals only
Cardiac Event Treatment
$75,000–$185,000
Catheterization, ICU, meds
Medical Evacuation Flight
$95,000–$250,000
Air ambulance, medical crew
Best Visitor Insurance Plans for Reykjavik Residents
All three plans below are accepted at any US hospital and purchased 100% online. Coverage certificate arrives by email in minutes.
IMG Patriot America Plus
Largest US carrier network · UHC PPO
- ✓ Up to $1,000,000 coverage
- ✓ $0–$2,500 deductible options
- ✓ Acute onset pre-existing: $25K
- ✓ Emergency evacuation: $500K
- ✓ Available ages 14 days–99 yrs
- ✓ Multilingual 24/7 support
Best for: First-time visitors, families, tourists
WorldTrips Atlas America
Maximum coverage · Top evacuation benefit
- ✓ Up to $2,000,000 coverage
- ✓ $0–$5,000 deductible options
- ✓ Acute onset pre-existing: $50K
- ✓ Emergency evacuation: $1,000,000
- ✓ Available ages 14 days–99 yrs
- ✓ Flexible coverage periods
Best for: Seniors 65+, long stays, max protection
Trawick Safe Travels USA
Budget-friendly comprehensive · Telehealth included
- ✓ Up to $1,000,000 coverage
- ✓ $0–$5,000 deductible options
- ✓ Acute onset pre-existing: $20K
- ✓ Emergency evacuation: $500K
- ✓ Available ages 14 days–89 yrs
- ✓ Free telehealth included
Best for: Budget-conscious, short stays, under 70
No obligation · Certificate in minutes · Licensed TX #2608479TX
How Much Does Visitor Insurance Cost?
Estimates for $100,000 coverage with a $250 deductible. Actual quotes vary by plan, exact age, and dates.
| Age Group | 30 Days | 60 Days | 90 Days |
|---|---|---|---|
| 25–34 | $28–$42 | $55–$83 | $82–$124 |
| 35–44 | $33–$52 | $65–$103 | $98–$155 |
| 45–54 | $45–$72 | $89–$143 | $133–$215 |
| 55–64 | $72–$118 | $143–$235 | $215–$352 |
| 65–69 | $115–$188 | $229–$375 | $343–$562 |
| 70–74 | $165–$265 | $329–$529 | $493–$793 |
| 75–79 | $215–$355 | $429–$709 | $643–$1,063 |
* Get an exact quote at towerhilltravelinsurance.com/quote
What Visitor Insurance Covers
Frequently Asked Questions
Does Iceland's health insurance cover medical care in the USA for Reykjavik residents?+
What visitor insurance do you recommend for people traveling from Reykjavik to the USA?+
Do residents of Reykjavik need a visa to visit the USA?+
Can I buy visitor insurance after arriving in the USA from Reykjavik?+
How do I use visitor insurance if I need care in the USA?+
Full country guide
🇮🇸 Visitor Insurance for Icelanders visiting the USA
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