Best Travel Insurance South America - Your Complete Protection Guide

Choosing the best travel insurance South America coverage is crucial for protecting yourself during one of the world's most exciting travel experiences. From the high-altitude peaks of the Andes to the depths of the Amazon rainforest, South America offers unparalleled adventures that require comprehensive insurance coverage tailored to the continent's unique challenges.

Whether you're exploring the best places to travel in South America from Machu Picchu to Patagonia, or seeking affordable destinations across the continent, comprehensive insurance protects your investment and provides peace of mind. In this complete guide, we'll explore the best travel insurance South America providers, essential coverage considerations for high-altitude destinations like Machu Picchu and La Paz, medical protection across varying healthcare systems, and specialized coverage for adventure activities throughout Peru, Argentina, Chile, Brazil, and beyond.

Why South America Requires Specialized Travel Insurance

Before selecting the best travel insurance South America option for your trip, it's important to understand why standard travel insurance may not be sufficient for South American adventures. The continent presents unique risks and considerations that differentiate it from other destinations.

South America's diverse terrain includes extreme altitudes soaring above 13,000 feet, remote wilderness areas that lie hours from medical facilities, varying healthcare quality across different countries, and countless adventure activities from trekking to white-water rafting. The morning sun warming your face as you climb toward Machu Picchu, the mist rising from thundering Iguazu Falls, the endless white expanse of Bolivian salt flats—these breathtaking experiences come with real risks that demand specialized protection.

Additionally, theft and personal belongings security concerns are more prevalent in certain regions, making comprehensive coverage essential. When you're navigating the colorful colonial streets of Cartagena or exploring the vibrant markets of Cusco, your camera and electronics need protection beyond what standard policies offer.

The best travel insurance South America policies specifically address these challenges with enhanced medical coverage for altitude sickness, emergency evacuation from remote locations, coverage across multiple countries, and protection for adventure activities unique to the region.

Top 8 Best Travel Insurance South America Providers

After extensive research comparing coverage options, customer reviews, and claims experiences throughout South America, here are the best travel insurance South America providers that offer exceptional protection for your journey.

1. World Nomads - Best for Backpackers and Adventure Travelers

World Nomads consistently ranks as the best travel insurance South America option for backpackers, gap year travelers, and adventure seekers exploring the continent. Their policies are designed specifically for independent travelers tackling South America's most challenging adventures.

The Explorer Plan from World Nomads provides medical coverage up to $300,000, which includes altitude-related illnesses that plague unprepared travelers ascending to places like La Paz or Cusco. When you're gasping for breath at 12,000 feet, watching locals breeze past you with seemingly limitless lung capacity, you'll appreciate having emergency evacuation coverage from remote locations across all South American countries.

Their coverage extends to over 200 adventure activities, from the grueling four-day Inca Trail trek to multi-day expeditions deep in the Amazon jungle where the humid air clings to your skin and exotic bird calls echo through towering canopy. Patagonia's wind-swept hiking trails, where gusts can literally knock you sideways on exposed ridges, fall squarely within their high-altitude mountaineering coverage.

The 24/7 multilingual emergency assistance with Spanish and Portuguese support proves invaluable when you're trying to communicate medical needs in a Buenos Aires hospital or navigating healthcare in rural Peru. Plans typically range from $8-12 per day depending on age, destination countries, and coverage level, with a 30-day trip across Peru, Bolivia, and Chile typically costing $250-360.

World Nomads stands out for allowing flexible policies that can be purchased after departure and extended while traveling. Personal liability coverage reaches up to $2.5 million, while lost, stolen, or damaged belongings are covered up to $3,000. The altitude illness coverage extends to destinations above 13,000 feet including La Paz (Bolivia), Cusco (Peru), and Quito (Ecuador), where the thin air makes every breath feel earned.

Trek coverage for popular routes like the Inca Trail, Torres del Paine W Circuit, and Fitz Roy trails means you're protected when hiking through Patagonia's otherworldly landscapes of granite spires piercing steel-blue skies. Protection during Amazon rainforest expeditions covers you when dugout canoes ferry you through chocolate-brown waters teeming with piranha and caiman. Coverage even extends to activities like sandboarding down massive dunes in Huacachina, paragliding over Rio's iconic beaches, and zip-lining through cloud forests.

2. SafetyWing - Best for Digital Nomads and Long-Term Travelers

SafetyWing has emerged as one of the best travel insurance South America choices for digital nomads, remote workers, and extended travelers who plan to spend months exploring the continent while working online from co-working spaces in Medellin or beachside cafes in Florianopolis.

The subscription-based model proves perfect for indefinite travel, auto-renewing every 28 days as you chase endless summers from Argentina to Colombia. Coverage spans 185 countries including all South American nations, providing medical coverage up to $250,000 with $0 deductible outside your home country. Emergency medical evacuation up to $100,000 ensures you won't be stranded in remote locations when serious medical issues arise.

At just $45.08 per 4 weeks for travelers under 40, SafetyWing offers extremely competitive pricing that doesn't drain your location-independent income. A 6-month journey costs around $270-300, leaving more budget for exploring colonial Cartagena's cobblestone streets or tasting your way through Buenos Aires' legendary steak houses where perfectly charred meat arrives sizzling on cast iron platters.

The coverage includes trips back to your home country for up to 30 days per 90-day period, recognizing that even nomads occasionally return for weddings or family gatherings. COVID-19 coverage comes standard as regular medical coverage, addressing the reality of pandemic-era travel. Adventure activities like trekking, hiking, and most non-extreme sports fall within coverage parameters.

SafetyWing excels for slow travel through Argentina, Chile, and Uruguay, where you might spend weeks in a single city truly experiencing local life rather than racing through tourist highlights. The flexible structure covers fluctuating travel patterns typical of backpacking South America, where you might base yourself in Buenos Aires for a month while making weekend trips to Iguazu Falls or Mendoza's wine country.

3. IMG Global - Best for High-Altitude and Extreme Adventure Coverage

IMG Global (International Medical Group) offers some of the best travel insurance South America coverage for travelers tackling extreme altitudes and challenging adventures. Their Patriot Travel Series provides medical coverage up to $1 million, addressing the serious risks inherent in high-altitude destinations.

When you're struggling to catch your breath on Cusco's steep streets or watching dawn illuminate Machu Picchu's ancient stone terraces from 8,000 feet, comprehensive altitude sickness coverage with no elevation exclusions becomes critically important. The thin air at these heights can trigger acute mountain sickness in even healthy travelers, with symptoms progressing rapidly from headaches to life-threatening pulmonary or cerebral edema.

Emergency medical evacuation and repatriation up to $500,000 covers helicopter rescue from remote mountain locations in Patagonia or the Bolivian Altiplano, where the nearest hospital might be four hours away by dirt road. Coverage extends to extreme adventure activities including mountaineering above 15,000 feet, whether you're attempting Cotopaxi's glacier-draped summit in Ecuador or tackling technical sections on Huayna Potosi in Bolivia.

Trip interruption coverage reaches 150% of trip cost, protecting expensive multi-week adventures when unexpected illness or injury forces early departure. The policy covers trekking to Machu Picchu via multiple routes, climbing Cotopaxi's symmetrical volcanic cone, and high-altitude expeditions throughout the Andes where snow-capped peaks pierce impossibly blue skies.

Mid-range to premium pricing typically runs $150-300 for a 2-week adventure depending on coverage limits and traveler age, representing worthwhile investment for high-risk activities. Coverage specifically addresses altitude-related illnesses without exclusions for acute mountain sickness (AMS), high-altitude pulmonary edema (HAPE), and high-altitude cerebral edema (HACE), with emergency evacuation capability from remote mountain locations and medical treatment in altitude-appropriate facilities across Peru, Bolivia, and Ecuador.

4. Allianz Global Assistance - Best Overall Value for South America

Allianz Global Assistance consistently ranks among the best travel insurance South America providers for overall value, reliability, and comprehensive coverage across all traveler types. Their established global network makes them particularly strong throughout South America, with extensive connections to medical providers across major cities where glass-and-steel modern hospitals rival facilities anywhere in the world.

Trip cancellation and interruption coverage reaches 100% of trip costs, protecting expensive pre-booked tours and non-refundable flights when illness, family emergencies, or natural disasters force plan changes. Emergency medical coverage ranges from $50,000 to $100,000 on premium plans, ensuring access to quality private hospitals in Lima, Santiago, or Rio de Janeiro where English-speaking doctors provide care in state-of-the-art facilities.

The 24-hour multilingual emergency hotline with Spanish and Portuguese support proves invaluable when navigating healthcare systems where most medical staff speak only local languages. Baggage loss and delay coverage up to $1,000 protects your belongings when airlines misroute luggage, while travel delay reimbursement covers accommodation and meals when mechanical issues or weather ground flights for hours.

The optional "Cancel for Any Reason" upgrade covers up to 80% of non-refundable costs, providing flexibility when work obligations or personal circumstances create second thoughts about departure. Pre-existing medical condition waivers become available if purchased within 14 days of initial trip deposit, allowing travelers managing chronic conditions to secure full coverage.

Competitive pricing starts around $40-60 for a one-week trip, scaling to $150-250 for three-week adventures. Annual multi-trip plans suit frequent South America travelers who make multiple journeys annually. Strong provider networks in Buenos Aires, Lima, Rio de Janeiro, Santiago, and other major cities ensure reliable access to quality medical care, while comprehensive coverage handles common travel disruptions like flight delays, lost luggage, and itinerary changes.

5. Seven Corners - Best Medical Coverage for South America

Seven Corners specializes in international medical coverage and provides some of the best travel insurance South America options for travelers concerned about healthcare quality and medical emergencies abroad, particularly in developing countries with variable healthcare standards.

Medical coverage reaches up to $5 million on comprehensive plans, providing peace of mind when facing serious medical situations in regions where healthcare quality varies dramatically between pristine private clinics and under-resourced public hospitals. Emergency medical evacuation and repatriation coverage ensures access to appropriate care, whether that means helicopter transport from remote Amazon locations or medical flight to Miami for complex surgical procedures.

Coverage specifically designed for developing countries addresses realities of South American healthcare, where the quality gap between private and public facilities can be staggering. Trip cancellation coverage protects 100% of trip costs, while strong coverage for medical emergencies in remote areas proves crucial when trekking in Patagonia's vast wilderness or exploring Bolivia's isolated salt flats where the nearest hospital sits hours away across unpaved roads.

Plans accommodate both single trips and annual multi-trip coverage, with optional adventure sports riders extending protection to extreme activities. Direct billing arrangements with many South American medical facilities eliminate the need for large upfront cash payments in foreign currencies.

Pricing varies significantly by age and coverage level, typically ranging from $80-200 for a 2-week trip with comprehensive medical coverage, while premium plans with $5 million medical coverage run $150-350 for two weeks. The investment proves worthwhile for travelers with serious pre-existing medical conditions, older travelers (50+) seeking high medical coverage limits, those venturing into remote Amazon, Patagonia, or Altiplano regions, and anyone concerned about healthcare quality variations across South America.

Exceptional coverage for medical emergencies requiring evacuation from remote locations combines with direct relationships with quality medical facilities in Lima, Buenos Aires, Santiago, and Rio. Coverage extends to medical tourism procedures if complications arise, comprehensive emergency dental coverage for painful tooth problems, and mental health and crisis counseling for travelers facing traumatic situations.

6. GeoBlue - Best for Extended South America Adventures

GeoBlue, designed by Blue Cross Blue Shield, offers excellent best travel insurance South America coverage for travelers planning extended stays or repeated trips to the continent. Their comprehensive medical coverage starts at $100,000 and extends up to $500,000, with no deductibles on emergency medical coverage that can drain financial reserves.

Coverage spans trips from 5 days to 364 days, accommodating everything from quick week-long adventures to year-long sabbaticals exploring the continent from Caribbean Colombia to windswept Tierra del Fuego. Direct access to English-speaking doctors via telemedicine eliminates language barriers when describing symptoms or understanding treatment options, while the GeoBlue app provides access to vetted medical providers across South America.

Emergency evacuation coverage protects you when serious medical situations require transport to appropriate facilities, whether that means helicopter rescue from Torres del Paine's remote valleys or medical flight from the Peruvian Amazon. Trip interruption and cancellation protection preserves your travel investment when unexpected circumstances force plan changes.

Premium pricing reflects high-quality medical coverage, typically running $200-400 for a month-long journey. Annual multi-trip plans offer better value for frequent South America travelers at $500-800 per year, ideal for travelers who split their time between home and South American bases throughout the year.

GeoBlue excels for travelers spending 1-3 months exploring South America, sabbatical travelers taking extended breaks from career obligations, pre-retirees doing extended travel before settling into retirement, travelers wanting access to English-speaking medical care, and frequent visitors making multiple South America trips annually. The coverage proves perfect for travelers following the "gringo trail" through multiple countries over several months, covers flexible itineraries with continuous protection, and ideally suits budget travelers planning extended South American backpacking journeys where every dollar must stretch further.

7. HTH Worldwide - Best for Group Travel and Tours

HTH Worldwide provides some of the best travel insurance South America coverage for group travelers, organized tours, and travelers booking comprehensive pre-paid itineraries. Medical coverage reaches up to $2 million, while group discounts for 5+ travelers reduce per-person costs when families or friend groups travel together.

Comprehensive evacuation coverage includes political evacuation, protecting travelers when civil unrest or political instability makes remaining in a country unsafe. The 24/7 multilingual assistance and concierge services provide white-glove support when coordinating group logistics or resolving travel complications.

Trip cancellation for covered reasons protects 100% of trip cost, crucial when groups have invested heavily in Galapagos cruises, multi-week Patagonia expeditions, or comprehensive South American tours visiting six countries. Coverage extends to adventure activities including trekking, rafting, and zip-lining, accommodating the active itineraries most groups pursue.

Lost passport assistance and emergency travel arrangements help stranded travelers secure replacement documents and alternative transportation when original plans fall apart. Coverage for trip delays, missed connections, and baggage issues addresses the complications that plague group travel, where one person's problems can cascade into delays for everyone.

Mid-range to premium pricing with group discounts typically runs approximately $120-250 per person for a 2-week group tour, with costs decreasing as group size increases. This proves ideal for groups of friends traveling together through South America, family reunions or multi-generational trips, organized tour groups on pre-planned itineraries, travelers booking expensive Galapagos cruises or multi-country tours, and wine tour participants in Argentina and Chile where vineyard tours and tastings fill sun-drenched afternoons.

Simplified group policy management coordinates coverage for travelers of different ages and health profiles, while coordinated emergency assistance handles entire group situations simultaneously. Coverage addresses group-specific scenarios like tour operator bankruptcy, protecting deposits when companies fail mid-season.

8. Travelex Insurance - Best for Cruise and Multi-Country Coverage

Travelex Insurance provides robust best travel insurance South America protection particularly suited for travelers visiting multiple countries or taking South American cruises through Chilean fjords or along Brazil's spectacular coastline where granite cliffs plunge into turquoise waters.

Comprehensive trip cancellation coverage reaches 100% of trip cost, protecting expensive cruise bookings and complex multi-country itineraries. Travel Delay coverage provides generous per-day reimbursement limits when mechanical failures, weather, or operational issues keep you waiting in airports. Medical coverage ranges from $50,000 (Travel Select) to $100,000 (Travel Max), with emergency evacuation and repatriation coverage ensuring access to appropriate medical care regardless of location.

Baggage and personal effects coverage up to $2,500 protects belongings during complex journeys involving multiple flights and accommodations. The optional Cancel for Any Reason upgrade must be purchased within 21 days of deposit but then covers situations that don't meet standard cancellation criteria. Strong coverage for cruise-specific issues addresses itinerary changes when weather closes ports and missed port departures when shore excursions run late.

Competitive pricing starts at 4-6% of total trip cost, typically running $80-150 for a $2,000 two-week trip across multiple countries. This proves ideal for cruise passengers exploring Chilean fjords, Cape Horn, or the Falkland Islands where massive albatrosses glide on motionless wings. Multi-country travelers visiting 4+ South American nations in one trip appreciate seamless coverage across all destinations, while those with expensive pre-paid bookings value protection for non-refundable investments.

Seamless coverage across all South American countries eliminates restrictions or limitations when crossing borders, while excellent protection addresses complex itineraries involving multiple flights and connections. Strong coverage handles common travel disruptions when moving between countries, from delayed buses to missed connections, while comprehensive baggage protection proves crucial for multi-country journeys where belongings change hands repeatedly.

Essential Coverage Considerations for South America Travel

When selecting the best travel insurance South America policy, certain coverage types are more critical than for other destinations. Understanding these priorities helps you focus on what truly matters when comparing providers.

High-Altitude Sickness Coverage

South America contains some of the world's highest-altitude tourist destinations, where the thin air can leave even fit travelers gasping for breath after climbing a single flight of stairs. Cities like La Paz, Bolivia (12,000 feet) and Cusco, Peru (11,000 feet) can trigger altitude sickness even in healthy travelers who ascended too quickly from sea level.

The best travel insurance South America policies include comprehensive coverage for altitude-related illnesses without exclusions that leave you stranded when symptoms progress from mild headaches to dangerous fluid buildup in lungs or brain. Look for policies with no altitude exclusions or limitations up to at least 15,000 feet, coverage for emergency descent and medical treatment, emergency evacuation if altitude sickness becomes severe, and treatment coverage for acute mountain sickness (AMS), high-altitude pulmonary edema (HAPE), and high-altitude cerebral edema (HACE).

Popular high-altitude destinations requiring coverage include La Paz, Bolivia (11,975 feet), the world's highest capital city where cable cars ferry residents up impossibly steep canyon walls, and Cusco, Peru (11,152 feet), the gateway to Machu Picchu where Spanish colonial buildings line plazas that once formed the heart of the Incan empire. Quito, Ecuador (9,350 feet) sits in a valley surrounded by volcanic peaks, requiring acclimatization before tackling nearby adventures.

Lake Titicaca, Peru/Bolivia (12,507 feet) holds the title of world's highest navigable lake, its deep blue waters reflecting towering peaks while traditional reed boats ferry tourists to floating islands. Uyuni Salt Flats, Bolivia (11,995 feet) stretches endlessly in all directions, a blinding white expanse where perspective becomes meaningless and the horizon dissolves into sky. Potosí, Bolivia (13,420 feet) ranks among the world's highest cities, its colonial center dominated by the mountain that once produced the silver that funded Spain's empire.

These destinations rank among the best places to travel in South America, making proper altitude coverage essential for any trip attempting to experience the continent's high-altitude wonders.

Emergency Medical Evacuation Coverage

South America's vast distances and remote areas make emergency evacuation coverage essential, particularly when adventures take you far from population centers. A helicopter evacuation from Torres del Paine in Patagonia, where the nearest hospital might be five hours away by winding mountain roads, or the Amazon rainforest, where the only access comes by boat or plane, can easily cost $50,000-100,000 or more.

The best travel insurance South America plans include robust evacuation coverage with minimums of at least $100,000, though preferably $250,000 or higher. Coverage must extend from any location in South America, including remote national parks where cell service vanishes and evacuation might require coordinated helicopter operations. Air ambulance and helicopter evacuation must be explicitly included, along with repatriation to home country if necessary for ongoing care.

Remote areas requiring strong evacuation coverage include Torres del Paine National Park in Chilean Patagonia, where jagged granite towers dominate landscapes of glacial lakes and windswept grasslands. Amazon rainforest regions in Brazil, Peru, and Ecuador sprawl across millions of acres where rivers serve as highways and the nearest hospital might be days away by boat.

The Galápagos Islands, Ecuador, sit 600 miles offshore, their endemic wildlife and volcanic landscapes accessible only by expensive multi-day cruises. Los Glaciares National Park, Argentina, encompasses the small towns of El Chaltén and El Calafate along with massive glaciers and challenging treks far from medical facilities. The Pantanal wetlands in Brazil, Atacama Desert in Chile, and Colca Canyon in Peru all share this characteristic of remote beauty far from sophisticated medical care.

Medical Coverage Across Variable Healthcare Systems

Healthcare quality varies dramatically across South America, from world-class private facilities in Buenos Aires and Santiago where cutting-edge medical technology and highly trained specialists rival the best hospitals anywhere to basic clinics in rural areas where supplies run short and serious conditions require evacuation to larger cities. The best travel insurance South America coverage addresses these variations by ensuring access to quality care regardless of location.

Minimum recommended medical coverage starts at $50,000, though ideally reaching $100,000 to $250,000 or higher for comprehensive protection. Direct billing arrangements with quality private hospitals eliminate the need for large cash payments in foreign currency, while access to English-speaking doctors helps when explaining complex medical situations. Coverage must extend to both emergency and urgent care situations, with dental emergency coverage for painful tooth problems and prescription medication replacement when bags go missing.

Healthcare quality by country reveals striking patterns. Argentina (Buenos Aires, Mendoza), Chile (Santiago), and Uruguay (Montevideo) offer excellent healthcare comparable to US and European standards, with gleaming private hospitals where English-speaking doctors trained at prestigious international institutions. Brazil (São Paulo, Rio), Colombia (Bogotá, Medellin), and Peru (Lima) provide good care in private facilities, though public hospitals face resource constraints. Ecuador and Bolivia offer variable quality, with major cities providing decent care but rural areas having limited resources. Paraguay, Guyana, Suriname, and French Guiana maintain basic healthcare, sometimes requiring travel to medical hubs for serious conditions.

Adventure Activity Coverage

South America is an adventure traveler's paradise, where opportunities for trekking, climbing, rafting, and extreme sports seem limitless. However, many standard policies exclude activities like technical trekking, serious climbing, and extreme sports that define South American adventures. The best travel insurance South America plans specifically cover popular adventure activities that draw travelers to the continent.

Essential adventure coverage includes trekking and hiking up to 20,000 feet including the Inca Trail, Torres del Paine, and Fitz Roy trails where granite spires pierce blue skies and glacial winds cut through multiple layers of clothing. Multi-day treks with overnight camping require specific coverage, as does rock climbing and mountaineering (checking altitude limits carefully). White-water rafting coverage must specify class limits, as many policies cover up to Class IV rapids but exclude more extreme water. Zip-lining and canopy tours through cloud forests, scuba diving to specified depth limits (typically 130 feet), surfing and kiteboarding along endless Pacific coastline, sandboarding and sand skiing down massive dunes, paragliding and hang gliding over coastal cities, and horseback riding through Patagonian estancias all require verification of coverage.

Popular adventures requiring specific coverage include the Inca Trail to Machu Picchu, Peru, a 4-day trek at high altitude requiring coverage for organized treks and altitude. Torres del Paine W Trek, Chile, involves 4-5 days trekking in Patagonia with weather-related evacuation coverage. Fitz Roy and Cerro Torre Trails, Argentina, present challenging Patagonian hiking requiring verified remote area evacuation. The Salkantay Trek, Peru, offers an alternative route to Machu Picchu crossing a 15,200-foot pass where snow and ice dominate the landscape.

Amazon Jungle Expeditions involve multi-day rainforest adventures requiring coverage for jungle-specific illnesses like dengue and yellow fever. Cotopaxi Climbing, Ecuador, takes mountaineers to 19,347 feet on a high-altitude volcano requiring technical climbing skills. Aconcagua Expedition, Argentina, challenges climbers on the highest peak in the Americas at 22,841 feet, requiring specialized mountaineering coverage. Pantanal Wildlife Tours in Brazil explore remote wetlands teeming with jaguars and capybara, while rafting the Futaleufú River, Chile, provides world-class Class IV-V white-water rafting through stunning canyons.

Theft and Personal Belongings Protection

Theft of electronics, cameras, passports, and other valuables occurs more frequently in South America than many destinations, particularly in tourist areas and major cities. The best travel insurance South America policies provide comprehensive belongings coverage with reasonable single-item limits that actually protect expensive cameras and electronics.

Recommended theft coverage includes personal belongings coverage of at least $1,000, ideally $2,500-3,000 for travelers carrying expensive equipment. Single-item limits must reach at least $500, as this proves crucial for cameras, phones, and laptops that easily exceed this threshold. Coverage should extend to theft from accommodations, not just forced entry scenarios, while passport replacement assistance and emergency travel document coverage helps when identity documents vanish.

Money and travel documents need specific coverage, as does theft from vehicles when reasonable precautions were taken. Minimal deductibles on theft claims prevent situations where small claims cost more than the deductible to file.

High-risk areas requiring extra precautions include tourist areas in Rio de Janeiro like Copacabana and Ipanema where beach theft remains common, and certain neighborhoods in Buenos Aires like La Boca and Constitution where pickpockets target distracted tourists. Bus terminals and markets in major cities present opportunities for theft, as do beach areas and coastal towns. Night buses and overnight transportation require securing valuables carefully, as theft during these long journeys occasionally occurs.

When planning your South American travel budget, factor in a quality lock, money belt, and hotel safe usage to minimize theft risk through smart precautions.

Trip Cancellation and Interruption Coverage

South America trips often involve expensive advance bookings including international flights costing $800-1,500 or more, Galapagos cruises running $3,000-10,000+, Inca Trail permits at $500-800 with limited availability and no refunds, and multi-country tours ranging from $2,000-8,000. Comprehensive trip cancellation coverage from the best travel insurance South America providers protects these non-refundable expenses when unexpected circumstances force plan changes.

Essential cancellation coverage includes trip cancellation for covered reasons protecting 100% of non-refundable trip costs, along with trip interruption coverage of 100-150% of trip cost to cover additional expenses when cutting trips short. Cancel for Any Reason (CFAR) upgrades cover 50-80% of costs for any reason if purchased within 14-21 days of deposit, providing flexibility when standard covered reasons don't apply.

Covered reasons typically include illness, injury, death of family member, natural disasters, airline strikes, and job loss. Coverage for missed connections due to delays prevents cascade failures when tight connection times don't account for chronic South American flight delays. Additional accommodation and transportation coverage applies if trips are interrupted mid-journey, covering hotels, meals, and flights home when illness or emergency strikes far from home.

Best Travel Insurance South America by Traveler Type

Selecting the best travel insurance South America option depends significantly on your travel style, age, activities, and trip duration. Understanding which provider aligns with your specific profile ensures optimal coverage without paying for unnecessary features.

For Backpackers and Budget Travelers

World Nomads or SafetyWing serve as recommended providers for budget backpackers exploring South America, who need affordable, flexible coverage that includes the adventure activities central to the backpacking experience. Budget backpackers traversing South America require coverage that doesn't drain limited financial resources while still protecting against serious risks.

Both providers work best for backpackers because of affordable pricing perfect for extended travel on tight budgets, the ability to purchase after leaving home when plans crystallize during travels, coverage for popular backpacker activities like trekking, hiking, and adventure tours, multi-country coverage across all South American nations, flexible policies that extend while traveling as plans evolve, and no requirement to have return flights booked when purchasing coverage.

These policies prove ideal for travelers following the "gringo trail" through multiple countries, gap year travelers spending 6-12 months in South America, budget travelers staying in hostels and using local transportation, young travelers (under 40) seeking affordable coverage, and digital nomads working remotely while exploring South America from co-working spaces in Medellin or Buenos Aires.

Budget tips include combining comprehensive insurance with smart budget travel strategies to maximize South American adventures without overspending. Check out our guide to affordable South American destinations for money-saving tips that stretch budgets further without sacrificing experiences.

For Adventure Travelers and Trekkers

World Nomads, IMG Global, or Seven Corners serve as recommended providers for adventure enthusiasts tackling challenging treks, high-altitude climbs, and extreme activities that need the best travel insurance South America coverage specifically designed for adventurous pursuits where standard policies fall short.

These providers work best for adventurers because of comprehensive adventure activity coverage with minimal exclusions that don't eliminate the activities you traveled to pursue, high-altitude illness coverage without elevation restrictions, emergency evacuation from remote locations where standard ambulances can't reach, medical coverage adequate for remote area medical emergencies, and coverage for extreme sports and technical mountaineering (IMG Global particularly).

Essential coverage for adventure travelers includes medical coverage of $100,000-300,000+ minimum, emergency evacuation of $250,000+ minimum for helicopter rescues from remote locations, trip interruption coverage of 150% of trip cost, and adventure activities rider or built-in coverage that explicitly lists activities you plan to pursue.

This coverage proves ideal for Inca Trail and Salkantay Trek hikers navigating high passes and ancient stone pathways, Torres del Paine and Patagonia trekkers crossing windswept valleys and climbing steep moraine, high-altitude mountaineers attempting peaks like Aconcagua or Huayna Potosi where altitude and weather create genuine dangers, multi-day adventure tour participants, and serious climbers, mountaineers, and hikers pushing their limits in some of the world's most spectacular mountain landscapes.

For Families Traveling to South America

Allianz Global Assistance or HTH Worldwide serve as recommended providers for families needing reliable, comprehensive best travel insurance South America coverage that protects every family member and handles common family travel disruptions effectively when traveling with children introduces additional complications and concerns.

These providers work best for families because of extensive provider networks in family-friendly destinations where finding pediatric care might otherwise prove challenging, coverage for all ages including children and seniors on multi-generational trips, 24/7 assistance in English with family-friendly support understanding the unique stress of family emergencies, comprehensive medical coverage for children including emergency pediatric care, strong baggage and trip delay coverage important for families where delays affect multiple people, and Cancel for Any Reason options protecting expensive family vacation investments when child illness or other circumstances force cancellations.

Family-specific considerations include medical coverage for children including emergency pediatric care when little ones fall ill far from home, coverage for common childhood illnesses and injuries that strike at inconvenient times, trip cancellation due to child illness (a common reason families cancel as kids catch bugs just before departure), baggage coverage for all family members' belongings that accumulate quickly when traveling with children, and coverage for car seats, strollers, and specialized equipment that families can't travel without.

This coverage proves ideal for families exploring Argentina's wine country and Patagonia where outdoor adventures suit all ages, multi-generational trips to Brazil, Peru, or Chile bringing together grandparents, parents, and children, family adventure tours in Costa Rica or Galápagos where educational opportunities abound, and parents traveling with teenagers or young children through some of the world's most diverse landscapes.

For Senior Travelers (60+)

Seven Corners or IMG Global serve as recommended providers for senior travelers requiring higher medical coverage limits and comprehensive best travel insurance South America protection addressing age-related health considerations that become increasingly important with age.

These providers work best for seniors because of higher medical coverage limits ($1 million to $5 million) that protect against expensive medical situations, coverage available for travelers up to age 80+, pre-existing medical condition waivers available when purchased within specified timeframes, comprehensive emergency medical evacuation ensuring access to appropriate care, access to quality medical facilities crucial for travelers with complex health needs, and strong trip cancellation protection for expensive bookings when health issues are more likely to disrupt plans.

Senior-specific coverage needs include medical coverage of $250,000+ minimum, ideally $500,000-$1 million for comprehensive protection, pre-existing condition coverage purchased within time limits after initial deposits, emergency medical evacuation with air ambulance capability, trip cancellation with medical waiver, and extended coverage periods for longer trips exploring the continent at a more leisurely pace.

This coverage proves ideal for retirees on extended South American adventures who have time to truly explore without work constraints, senior travelers on luxury tours or cruises where comfort and quality matter, older adults with managed chronic conditions requiring ongoing medication and monitoring, and senior adventure travelers still hiking and exploring but needing additional medical protection.

Health notes emphasize that senior travelers should prioritize providers with direct billing to top hospitals in Buenos Aires, Santiago, Lima, and Rio de Janeiro, ensuring access to quality care without massive upfront cash payments.

For Digital Nomads and Remote Workers

SafetyWing or GeoBlue serve as recommended providers for digital nomads needing flexible, affordable best travel insurance South America coverage that accommodates extended stays, location changes, and the unique lifestyle of remote work while traveling through cities with strong digital nomad communities and reliable internet.

These providers work best for digital nomads because of subscription-based pricing for indefinite travel periods that don't require committing to specific end dates, coverage in 185+ countries for nomadic lifestyles involving regular international travel, the ability to purchase while already traveling when plans crystallize on the road, coverage including brief returns to home country when family obligations or professional meetings require temporary returns, affordable monthly pricing perfect for remote worker budgets that fluctuate with contract work, and telemedicine access to English-speaking doctors when local medical systems prove challenging to navigate.

Digital nomad considerations include long-term coverage (6+ months) at affordable rates that don't drain location-independent income, multi-country coverage for frequent location changes as nomads chase ideal weather and urban amenities, coverage continuing when returning home briefly between longer stays abroad, flexible policies without fixed end dates accommodating uncertain travel timelines, and access to medical care in popular digital nomad hubs like Medellin, Buenos Aires, and Lima where remote workers congregate in co-working spaces and trendy neighborhoods.

This coverage proves ideal for remote workers basing in Buenos Aires, Medellin, or Lima for months at a time while exploring surrounding regions on weekends, freelancers traveling throughout South America while maintaining client work from laptops in countless cafes, location-independent entrepreneurs exploring the continent while running businesses online, and digital nomads on 6-12 month South American adventures living more like locals than typical tourists rushing between highlights.

For Cruise Passengers

Allianz Global Assistance or Travelex Insurance serve as recommended providers for cruise passengers needing specialized best travel insurance South America coverage addressing cruise-specific scenarios including itinerary changes, medical evacuation from ships, and missed port departures when shore excursions run late or transportation back to the ship encounters delays.

These providers work best for cruise passengers because of strong cruise-specific coverage for itinerary changes when weather or operational issues alter port calls, coverage for medical evacuation from cruise ships when onboard medical facilities prove inadequate, protection for missed embarkation due to flight delays when connections run tight, baggage delay coverage important for cruises when checked bags take days to catch up with passengers, trip interruption coverage if leaving the cruise early becomes necessary, and coverage for pre- and post-cruise land arrangements that many passengers add to their voyages.

Cruise-specific coverage includes cruise fare cancellation and interruption with 100% coverage protecting expensive bookings, missed connection protection resulting in missed embarkation when flights delay arrival to departure ports, medical evacuation from ship to shore facility when serious conditions exceed onboard capabilities, itinerary change coverage if ports are skipped due to weather or political situations, travel delay coverage for flights to embarkation port, and baggage delay while cruising when bags fail to arrive before departure.

This coverage proves ideal for Chilean fjords and Cape Horn cruise passengers navigating some of the world's most dramatic coastlines, Antarctica expedition cruise travelers departing from Ushuaia where icebergs and penguins create once-in-a-lifetime experiences, Galapagos Island cruise participants exploring volcanic islands teeming with endemic wildlife, Amazon River cruise travelers journeying deep into rainforest on riverboats, and multi-country South American cruise itineraries visiting ports across multiple nations.

Common Exclusions to Watch for in South America Travel Insurance

Even the best travel insurance South America policies contain exclusions that can leave you uncovered if you're not careful. Understanding these exclusions helps avoid claim denials and enables choosing appropriate coverage that actually protects when problems arise.

Pre-Existing Medical Conditions

Most policies exclude pre-existing medical conditions unless you purchase coverage within a specific time frame (typically 14-21 days) of your initial trip deposit and meet other requirements. The best travel insurance South America providers offer pre-existing condition waivers when proper procedures are followed.

Getting coverage for pre-existing conditions requires purchasing insurance within 14-21 days of first trip payment, insuring 100% of non-refundable trip costs, being medically able to travel when purchasing insurance, and meeting any additional policy requirements that vary by provider.

Conditions typically requiring waivers include heart disease, diabetes, high blood pressure that might complicate high-altitude travel, cancer requiring ongoing treatment, respiratory conditions affected by altitude and air quality, previous surgeries or ongoing treatment that might require follow-up care abroad, and chronic conditions requiring regular medication that must continue during travels.

Extreme Sports and High-Risk Activities

Standard policies often exclude extreme sports, high-altitude mountaineering above certain elevations, and specific high-risk activities that define South American adventures. Verify your planned activities are covered by the best travel insurance South America policy before assuming protection extends to adrenaline-fueled pursuits.

Commonly excluded activities without specialized coverage include mountaineering above 15,000-20,000 feet (varies by policy and prevents coverage for highest peaks), technical climbing requiring ropes and protection equipment, BASE jumping, skydiving, bungee jumping (often excluded as excessively dangerous), motorsports including motorcycle touring on notoriously dangerous South American roads, and professional athletics or competitive events where injuries are more likely.

The solution involves choosing providers like World Nomads or IMG Global that include adventure activities or offer add-on adventure riders that explicitly cover the activities you plan to pursue.

Traveling to High-Risk Areas

Some policies exclude coverage in regions deemed high-risk by government travel advisories, leaving you unprotected when traveling to areas under State Department warnings. Check current State Department warnings and ensure your best travel insurance South America coverage doesn't exclude your destinations.

Potential exclusions include areas under Level 3 (Reconsider Travel) or Level 4 (Do Not Travel) warnings, border regions with civil unrest where violence occasionally spills across borders, and areas with active violence or terrorism where insurance companies refuse coverage.

Current considerations (requiring checking current advisories as situations change) include Venezuelan border regions where instability sometimes creates security concerns, certain areas of Colombia (though most tourist areas are safe with improved security in recent years), parts of Peru's VRAEM region where coca cultivation creates conflict, and some Brazilian favelas where gang violence makes insurance companies nervous.

Alcohol and Drug-Related Incidents

Nearly all policies exclude coverage for injuries or incidents occurring while intoxicated or under the influence of non-prescribed drugs. This represents a common claim denial reason that catches travelers off guard when celebrations lead to accidents.

Exclusions cover injuries sustained while intoxicated, accidents caused by alcohol or drug use, medical treatment related to substance abuse, and criminal activities while under the influence.

Unapproved Activities and Negligence

Insurance won't cover you for ignoring safety warnings, engaging in activities against operator recommendations, or general negligence that leads to injury or loss. Taking unnecessary risks voids coverage even when policies would otherwise apply.

Examples include hiking alone against park regulations in remote areas, swimming in prohibited areas where currents or wildlife create dangers, ignoring safety equipment requirements on adventure tours, and trekking without proper permits or guides when required by law or regulation.

How to Choose the Right Policy for Your South America Trip

Selecting the best travel insurance South America coverage for your specific trip involves evaluating several factors and comparing options carefully rather than defaulting to the cheapest or most expensive option.

Step 1: Assess Your Trip Profile

Before comparing policies, outline your specific trip details by considering duration (single week, 2-3 weeks, 1-3 months, or 6+ months), countries (single country or multi-country itinerary and which specific nations), activities (standard sightseeing, moderate hiking, extreme adventure, or mixed experiences), age (under 40, 40-60, or 60+ since this impacts pricing and coverage needs), trip cost (total non-refundable expenses including flights, tours, accommodations), pre-existing conditions (any medical conditions requiring coverage), and health concerns (traveling to high altitudes or remote areas far from medical care).

Step 2: Determine Your Priority Coverage Areas

Identify which coverage types matter most for your best travel insurance South America policy. Essential coverage for everyone includes emergency medical coverage of at least $50,000, ideally $100,000+, emergency evacuation of at least $100,000, preferably $250,000+, trip cancellation covering 100% of non-refundable costs, and baggage and personal effects coverage of at least $1,000.

Important coverage for adventure travelers includes adventure activity coverage explicitly listing activities you'll pursue, high-altitude illness coverage without exclusions, higher medical limits of $250,000-300,000+, and remote area evacuation capability.

Important coverage for longer trips includes affordable extended coverage that doesn't drain travel budgets, flexible trip duration without fixed end dates, multiple country coverage across all South American nations, and trip interruption coverage protecting investments.

Step 3: Compare Multiple Providers

Get quotes from at least 3-4 of the best travel insurance South America providers mentioned in this guide. Compare coverage limits including medical coverage maximum, evacuation coverage maximum, trip cancellation/interruption limits, and baggage coverage limits.

Examine inclusions and exclusions including adventure activities covered, altitude restrictions, pre-existing condition policies, and specific exclusions that might affect your plans. Evaluate cost including total premium for your trip, deductibles, and value relative to coverage provided.

Assess customer service including 24/7 availability, language support (Spanish/Portuguese), claims process reputation, and customer reviews from actual travelers who filed claims.

Step 4: Read Policy Documents Carefully

Before purchasing, read the actual policy document, not just the marketing summary that emphasizes benefits while minimizing limitations. The best travel insurance South America coverage is only as good as what's written in the policy.

Key sections to review include coverage amounts and limits that define maximum payouts, complete exclusions list that details what situations aren't covered, claims filing procedures that outline required documentation and timeframes, geographic coverage area confirming all destinations are included, activity restrictions detailing which activities are covered or excluded, and pre-existing condition terms explaining waiver requirements and limitations.

Step 5: Purchase at the Right Time

Timing matters for maximizing your best travel insurance South America coverage benefits. Optimal purchase timing includes within 14-21 days of initial trip deposit for pre-existing condition waivers, before final trip payment to protect full trip cost, before engaging in any non-refundable bookings to ensure everything is covered, and well before departure since some benefits only become available if purchased 7+ days before travel.

Cost Expectations for South America Travel Insurance

Understanding typical costs helps you budget appropriately for the best travel insurance South America coverage without overpaying for unnecessary features or underpaying and receiving inadequate protection.

Pricing by Trip Duration

One week trip costs range from $30-50 for budget providers (SafetyWing), $60-100 for mid-range providers (Allianz, World Nomads), and $100-150 for premium providers (Seven Corners, IMG).

Two to three week trip costs run $60-100 for budget providers, $100-200 for mid-range providers, and $150-300 for premium providers.

One month trip costs range from $80-120 for budget providers, $150-250 for mid-range providers, and $200-400 for premium providers offering comprehensive coverage.

Three month trip costs run $180-300 for budget providers, $400-600 for mid-range providers, and $600-1,000+ for premium providers.

Six-plus month trip costs range from $300-500 for budget providers perfect for extended backpacking, $800-1,200 for mid-range providers, and $1,200-2,000+ for premium providers offering maximum protection.

Factors Affecting Price

Several variables influence your best travel insurance South America premium. Age causes premiums to increase significantly after age 40, with substantial jumps at 50, 60, and 70+ as medical risks increase.

Coverage limits increase costs proportionally, as higher medical and evacuation limits provide greater protection at greater cost. Trip cost matters since cancellation coverage calculates as percentage of total trip cost (typically 4-10%).

Activities affect pricing, as adventure sports riders and extreme activity coverage add 20-50% to premiums. Destination countries come into play, as higher-risk countries or remote destinations may increase costs.

Pre-existing conditions impact pricing, as waivers may add 10-30% to base premium for coverage of existing conditions.

Getting the Best Value

Maximize value from your best travel insurance South America investment by comparing at least 3-5 providers for identical coverage to identify best prices, considering annual multi-trip policies if taking multiple trips per year, opting for appropriate rather than maximum coverage limits, choosing higher deductibles to reduce premiums (if comfortable with more out-of-pocket risk), verifying coverage you're already getting through credit cards or existing policies to avoid paying twice, and bundling with travel partners for possible group discounts.

Making a Claim: What to Expect

Understanding the claims process ensures you can effectively use your best travel insurance South America coverage when needed, turning insurance from theoretical protection into practical assistance.

Document Everything

Successful claims require thorough documentation from the moment an incident occurs. Medical claims need all medical receipts and itemized bills, medical reports and diagnoses, prescription receipts, doctor's notes explaining treatment, and proof of payment.

Theft claims require police reports filed within 24 hours, photos of damaged property or luggage, receipts or proof of purchase for stolen items, lists of all stolen items with estimated values, and proof of security measures taken.

Trip cancellation/interruption claims need documentation of cancellation reason (medical certificate, death certificate, etc.), all receipts for non-refundable expenses, communications with airlines/hotels regarding refunds, proof of relationship (if canceling due to family member), and additional expense receipts if trip interrupted.

Contact Your Provider Immediately

The best travel insurance South America providers require prompt notification of major incidents. Emergency situations demand calling emergency assistance line before/during hospital treatment, getting pre-authorization for major medical procedures, coordinating with provider before medical evacuation, and notifying within 24 hours of theft or serious incident.

Non-emergency claims require contacting provider as soon as possible, beginning gathering documentation immediately, following specific claims filing procedures, and submitting claims within policy timeframe (typically 90 days).

Follow Claims Procedures Exactly

Insurance companies strictly enforce claims procedures. To maximize claim approval, file claims promptly (typically within 20-90 days), complete all claim forms fully and accurately, provide all requested documentation, keep copies of everything submitted, follow up regularly on claim status, and respond quickly to additional information requests.

Common Claim Denial Reasons

Avoid these frequent mistakes that lead to denied claims: filing claims beyond deadline, insufficient documentation, pre-existing conditions not properly disclosed, activities not covered under policy, failure to get pre-authorization for major medical treatment, intoxication or illegal activity, traveling against medical advice, not following claims procedures, and negligence or intentional actions.

Frequently Asked Questions

Do I really need travel insurance for South America? Yes, the best travel insurance South America coverage is essential for this region. South America presents unique risks including high-altitude destinations, remote areas with limited medical facilities, varying healthcare quality, adventure activities, and higher theft rates. Medical evacuation from remote areas can cost $50,000-100,000+, making comprehensive insurance crucial.

What's the minimum coverage I should get for South America? At minimum, get medical coverage of $50,000+ (ideally $100,000+), emergency evacuation of $100,000+ (ideally $250,000+), trip cancellation covering 100% of non-refundable costs, and personal belongings coverage of $1,000+. Adventure travelers should increase medical coverage to $250,000+ and ensure adventure activities are covered.

Will my health insurance cover me in South America? Most US health insurance plans provide minimal or no coverage outside the United States. Medicare doesn't cover international medical care. Some premium plans offer limited emergency coverage, but it's typically insufficient for serious incidents or evacuation. Dedicated best travel insurance South America coverage is necessary.

How much does travel insurance cost for a month in South America? Expect to pay $80-400 for a month of coverage depending on age, coverage limits, and provider. Budget options like SafetyWing cost around $45-50 per 4 weeks. Mid-range providers cost $150-250. Premium comprehensive coverage runs $200-400. Older travelers (60+) pay significantly more.

Can I buy travel insurance after arriving in South America? Yes, several best travel insurance South America providers including World Nomads and SafetyWing allow you to purchase coverage after departure. However, there's typically a waiting period (24-72 hours) before coverage begins, and you won't have trip cancellation coverage for the portion already traveled. It's better to purchase before departure.

Does travel insurance cover altitude sickness? The best travel insurance South America policies cover altitude sickness without exclusions. However, some policies exclude altitude-related illnesses or limit coverage above certain elevations (12,000-15,000 feet). Specifically verify that policies cover high-altitude destinations like La Paz, Cusco, and Machu Picchu without restrictions.

Is hiking the Inca Trail covered by travel insurance? Most best travel insurance South America policies cover the Inca Trail as it's a popular organized trek. However, verify your specific policy covers multi-day treks with overnight camping, high-altitude trekking (the trail reaches 13,828 feet), organized commercial treks, and medical evacuation from remote trail locations.

What should I do if I need medical care in South America? Contact your insurance provider's emergency assistance line immediately. They can direct you to quality medical facilities, arrange direct billing if available, provide translation services, and coordinate care. For serious emergencies requiring evacuation, they'll arrange and coordinate all logistics. Never decline emergency care due to cost concerns—that's what your insurance covers.

Will travel insurance cover adventure activities like Patagonia trekking? The best travel insurance South America policies from providers like World Nomads, IMG Global, and Seven Corners specifically cover adventure activities including Patagonia trekking. However, verify your policy covers multi-day wilderness treks, high-elevation hiking, activities in remote areas, and emergency evacuation from Patagonian wilderness.

Can I get coverage for multiple South American countries? Yes, all major best travel insurance South America providers offer multi-country coverage throughout the continent. Single policies cover travel across all South American nations, making them perfect for backpackers and travelers visiting multiple countries. Just ensure each country is specifically listed in your policy's covered territories.

Related Resources for Your South America Adventure

Planning comprehensive South American travel involves more than just insurance. Explore these valuable resources to help plan the adventure of a lifetime through one of the world's most diverse and spectacular continents.

Discover the best places to travel in South America with our complete destination guide covering everything from Machu Picchu to Patagonia, from Amazon rainforests to Atacama deserts, from colonial cities to pristine beaches.

Maximize your travel budget with our guide to cheap places to travel in South America, featuring budget travel strategies and affordable destination recommendations that help your money stretch further without sacrificing unforgettable experiences.

If you're planning to extend your travels northward, check out the best travel insurance North America for insurance options covering Mexico, the United States, and Canada.

Conclusion: Protecting Your South American Adventure

Choosing the best travel insurance South America coverage is one of the most important decisions in your trip planning process. The right policy protects you from financial disaster while allowing you to fully embrace South America's incredible adventures from Patagonian treks to Amazon expeditions and high-altitude wonders.

For most South American travelers, we recommend World Nomads for comprehensive adventure coverage with flexibility that adapts to changing plans, Allianz Global Assistance for reliable mainstream coverage with excellent value balancing price and protection, or SafetyWing for extended budget travel with affordable subscription pricing that doesn't drain location-independent income.

Remember that the best policy for you depends on your specific trip profile, activities, destinations, age, and budget. Take time to compare options, read policy documents carefully, and select coverage that addresses South America's unique challenges including high altitudes where breathing becomes labored, remote locations where evacuation might require helicopters, varying healthcare quality from world-class to basic, and adventure activities that define the South American experience.

Don't let the cost of travel insurance deter you—a comprehensive policy typically costs just 4-8% of your total trip cost and provides invaluable protection against expenses that could reach tens of thousands of dollars. The best travel insurance South America investment you can make is the one that lets you explore this magnificent continent with confidence and peace of mind.

Once you've secured your coverage, start planning your itinerary with our complete guide to the best South American destinations, or maximize your budget with our affordable travel strategies.

Start your South American adventure protected with the right insurance coverage, and focus on creating unforgettable memories from the peaks of the Andes to the beaches of Brazil without worrying about what could go wrong. Your adventure awaits!