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Visitor Insurance for Iceland

Visitor Insurance for Icelanders Traveling to the USA

Iceland's universal healthcare doesn't follow you to the US. One ER visit can cost more than a transatlantic flight — without coverage.

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The Coverage Gap

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.

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A US ambulance ride alone averages $1,200 — before any hospital treatment begins.

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$3,000+

ER Visit

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$11,700/night

Hospital Stay

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$1,500

Ambulance Ride

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$50,000+

Major Surgery

Why Tower Hill

Trusted by 60,000+ International Travelers

We partner with the top A-rated carriers so you get the best coverage, not the highest commission.

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A-Rated Carriers Only

Every plan we offer is from a financially strong, A-rated insurer — IMG, Trawick International, or WorldTrips.

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Compare & Buy in 5 Minutes

No phone calls, no paperwork. Compare plans side-by-side and purchase online. Instant policy documents.

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Coverage in 151 Countries

Whether you're visiting the USA or traveling worldwide, we have a plan designed for your journey.

Our Plans

Compare Top Visitor Insurance Plans

All plans designed specifically for visitors to the USA — covering emergency medical, hospitalization, evacuation, and more.

IMG Patriot America Plus

From $1.10/day

Coverage up to Up to $1,000,000

A-rated by A.M. Best
Covers acute onset of pre-existing conditions
Emergency medical evacuation included
COVID-19 treatment covered
Deductible from $0–$2,500

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Best Value

Trawick Safe Travels USA

From $1.25/day

Coverage up to Up to $1,000,000

Comprehensive emergency coverage
24/7 multilingual assistance
Hospital direct billing available
Covers acute onset of pre-existing conditions
Renewable up to 12 months

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Premium Option

WorldTrips Atlas America

From $1.50/day

Coverage up to Up to $2,000,000

Highest coverage limit available
Ideal for seniors and longer stays
Covers urgent care and telehealth
A.M. Best A-rated carrier
Flexible deductible options

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Prices vary by age, coverage level, and trip dates. Get an exact quote for your trip.

Common Questions

Frequently Asked Questions

Does Iceland's Sjúkratryggingar Íslands (Icelandic Health Insurance) cover medical care in the USA?

No. Iceland's Sjúkratryggingar Íslands (Icelandic Health Insurance) covers healthcare within Iceland only — it provides zero coverage for medical treatment in the United States. The US has no bilateral healthcare agreement with Iceland, meaning every hospital visit, ER charge, or specialist fee is entirely your personal financial responsibility without dedicated visitor insurance. A us hospital night can exceed isk 1.6 million.

Can I buy visitor insurance for my Icelanders visiting the USA?

Yes — you can purchase a visitor insurance plan on behalf of parents, grandparents, or other family members visiting from Iceland. Simply enter their details (age, travel dates) in the quote tool and complete the purchase. Policy documents and insurance ID cards arrive by email within minutes. Plans cover travelers up to age 99 and most include acute onset coverage for pre-existing conditions — critical for older icelanders visitors.

What is the best visitor insurance for Icelanders visiting the USA?

For icelanders, we recommend three A-rated plans: IMG Patriot America Plus for comprehensive coverage and strong A+ rated carrier backing; Trawick Safe Travels USA Comprehensive for excellent value and broad emergency coverage; and WorldTrips Atlas America for high coverage limits (up to $2,000,000) and robust acute onset pre-existing condition protection. All three are purpose-built for the US healthcare system and available in minutes online.

Do Icelanders need a visa to visit the USA?

Icelanders can visit the USA for up to 90 days under the Visa Waiver Program — but you must obtain ESTA (Electronic System for Travel Authorization) approval before departure. Visitor insurance is not required for ESTA approval but is essential: without it, any US medical emergency is entirely out-of-pocket. Your Sjúkratryggingar Íslands provides zero US coverage.

How much does visitor insurance cost for Icelanders visiting the USA?

Plans typically start around $1.10–$2.00 per day (USD). A healthy Iceland adult under 60 visiting for 30 days usually pays $35–$80. Seniors over 70 will see higher rates. The cost is minimal compared to the financial risk — a US hospital night can exceed ISK 1.6 million. Get an exact personalized quote instantly with no personal information required.

Does visitor insurance cover pre-existing conditions for Icelanders visiting the USA?

Most plans include acute onset coverage — meaning if you have a managed condition like hypertension, diabetes, heart disease, or COPD, and you experience a sudden unexpected emergency related to it, the plan can cover that emergency treatment. Routine follow-up care, medication refills, or elective procedures for stable conditions are not covered. This protection is especially important for older icelanders and those with chronic health conditions.

How quickly can I get coverage for Icelanders visiting the USA?

Coverage can be active within minutes. Complete the quote form online, select a plan, and your policy documents and insurance ID card are emailed instantly. For accidents, coverage begins on your selected start date — which can be the same day. For illness coverage, a short 24–72 hour waiting period typically applies after the start date. Purchase before your family member departs Iceland whenever possible to avoid any gap in protection.

What is the minimum coverage I should get?

For visits to the USA, we recommend a minimum of $100,000 in medical coverage. US healthcare costs are among the highest in the world, and even a short hospitalization can exceed $50,000.

How do I file a claim if I need medical care?

Call the 24/7 assistance number on your insurance ID card before seeking treatment when possible. For emergencies, go directly to care — your insurer can sort out billing afterward. All major insurers we work with have direct billing relationships with US hospitals.

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