Visitors Insurance

Travel Insurance Coverage and Arctic Region Exclusion

Travel Insurance Coverage and Arctic Region Exclusion

When traveling abroad, it is important to purchase travel medical insurance that can cover all of your destinations. Due to various reasons such as compliance, licensing, geopolitical concerns and risk levels, all travel insurance plans have certain geographic restrictions. 

Some travel insurance plans do not provide coverage when traveling to the Arctic region. This is not a concern for most casual tourists who will not travel to this region, but it is important to be aware of restrictions related to the Artic region if your trip is to one of these areas, such as if you are purchasing expedition travel insurance. 

Arctic Region

Arctic Region 

The Arctic region is located in the northernmost part of the Earth. It consists of the Arctic Ocean as well as some parts of Canada, Finland, Greenland, Iceland, Norway, Russia, Sweden and the United States (the state of Alaska). 

Further clarification on those regions is as follows:

United States

Certain portions of the state of Alaska are the only parts of the United States located in the Arctic region. Therefore, if a visitor to the US is not visiting Alaska, the exclusion does not apply. 

Even within Alaska, these restrictions won’t affect most tourists. 

        Alaska Cruises

  • Most Alaska cruises start from Seattle, Washington in the US, or Vancouver, British Colombia in Canada. Depending upon the cruise line, it may go through Ketchikan, Juneau etc. and end in Anchorage, Seward, Skagway or Whittier. The entirety of such Alaska cruises are well below the Arctic region. 

        Alaska Road Trips

  • Some people extend their Alaska cruise to a road trip, while others fly into Anchorage to explore via car. Most of these tourists will travel to Anchorage, Seward, Talkeetna, Denali (Mt McKinley) or Fairbanks, which is the northernmost city most tourists will visit. 
USA Arctic Region

The Arctic region is much further north than even Fairbanks. There are not even proper roads to travel to the Arctic region of Alaska.


Canada’s Arctic region is only in the northernmost portions of the Yukon, Northwest Territories, and Nunavut. 

Therefore, if you are traveling to any other provinces of Canada such as Ontario (where Toronto is), Quebec (where Montreal is), British Columbia (where Vancouver is) or Alberta etc., you do not need to be concerned with Artic region exclusions, as these areas are not within the Arctic region. 

Canada Arctic Region


Most portions of Greenland, which is officially part of Denmark, are in the Arctic region but, Denmark itself is not. 

Therefore, if you are traveling to Greenland, you should not purchase such plans, as they would be subject to the Arctic region exclusion. 

Greenland Arctic Region


The vast majority of Iceland is south of the Arctic circle and is not part of the Arctic region. 

The only part of Iceland that is within the Arctic region is the northernmost tip of a small island known as Grimsey Island.

Therefore, for most people traveling to Iceland, they are not excluded from coverage, except some people traveling to the northernmost tip of Grimsey Island. 

Iceland Arctic Region


Scandinavia includes the countries of Norway, Sweden, and Finland

Only the northernmost parts of these countries are in the Arctic region. Therefore, most people who travel to popular destinations in Scandinavia such as Oslo, Stockholm, Helsinki and nearby areas are not excluded.

Scandinavia Arctic Region


Russia is a very large country. However, only a small northern portion of Russia is in the Arctic region. 

Places that most tourists will travel to such as Moscow, St. Petersburg, and Vladivostok are not in the Artic region, so travelers to these areas are not excluded. 

Russia Arctic Region

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You are not eligible to enroll in Medicare for the first 5 years.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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