Redpoint Destinations

South America

Travel Insurance for South America

Prepare for a South American Adventure With Redpoint

Get protected with the best trip insurance for South America

From Brazil's beaches to the glaciers of Patagonia to ancient culture in the Andes mountains, a South America holiday has much to offer — for adventure travel and outdoor exploration, it really can't be beat. But the continent also boasts rich culture and diverse cities that delight and surprise visitors over and over again.

No matter where you plan to visit in South America, you need to purchase travel insurance before you go. Because South America has so many opportunities for adventurous (and therefore higher-risk) activities, having travel insurance will give you the peace of mind that you're covered should any unexpected mishaps come up.

Health & Safety in South America

South America is a large, geographically diverse continent, so health and safety risks vary greatly from country to country and city to city.

Relative to the United States, crime rates can be high in certain areas, and travelers should exercise caution about where they visit. However, by and large, major cities and tourist destinations are safe and welcoming to American visitors.

The U.S. Centers for Disease Control and Prevention (CDC) does recommend yellow-fever vaccination for several countries in South America, including Brazil, Peru, and Ecuador. In addition, the CDC recommends being up to date on all routine vaccinations, and protecting against the various mosquito-borne illnesses endemic to certain regions of South America.

For travel tips and the most up-to-date information on South American health and safety, you should always defer to the U.S. Department of State’s guidance about high-risk areas to avoid, as well as the CDC’s health recommendations for the South American country or countries you’ll be visiting ahead of your trip.

If your travel plans include exploring South America’s diverse, rugged landscapes and abundant wildlife, keep in mind that weather and conditions can quickly turn harsh. Travelers should not underestimate the risks involved, including extreme weather (both heat and cold), altitude sickness, snow, ice, and natural disasters, such as flooding and wildfires.

Always follow local guidance and advice about environmental hazards when it comes to hiking, trekking, or camping. Play close attention to weather reports, and be sure to notify someone locally of your itinerary if it involves being in wildlife or going off-grid in remote areas.

Finally, the rules of the road can differ across South America, and etiquette and safety expectations can feel very foreign to American drivers. Before you get behind the wheel, familiarize yourself with any major changes, and be aware that signage will not be in English.

In addition to a valid drivers license, some countries may also require an International Driving Permit in order to rent a vehicle. You’ll also need rental-car coverage in case anything goes wrong on the road.

Insurance Benefits and Coverage for a Trip to South America

From medical cover and emergency assistance to protection in case of flight cancellations, travel delays, and lost luggage, the best travel insurance plans offer cover for the same components.

Before you purchase South America travel insurance, read the policy wording carefully to make sure the plan you choose covers all the areas below. That way you’ll be prepared — no matter what happens during your trip.

Trip cancellation and interruption insurance: Trip interruption and cancellation cover reimburses you if your trip is canceled or cut short due to covered reasons like illness, severe weather, or family emergencies. If you need more flexibility, you can usually opt to add cancel for any reason (CFAR) insurance at an extra cost.
Travel medical insurance: This covers emergency medical treatment for injuries or illnesses that occur during your trip. Keep in mind that healthcare systems in South American countries vary, and receiving private medical care as a foreigner can be very expensive in some of them. It’s highly unlikely your health insurance plan from home will cover emergency medical expenses in South America. In addition, if you have any pre-existing medical conditions, you’ll need to consider applying for a waiver as part of your coverage.
Emergency medical evacuation insurance: Emergency evacuation coverage pays for transportation to the nearest medical facility or back to your home country if extraction or medical assistance is urgently needed. If you’re doing any adventure travel or trekking during your time in South America, this type of coverage is a must.
Baggage and personal belongings insurance: This covers loss, theft, or damage to your belongings while you’re in South America, including lost baggage and adventure-sports equipment.
Travel delay insurance: Trip delay benefits should compensate you for additional expenses incurred if your travel is delayed.

If your trip involves adventurous activities or higher-risk sports — say, hiking the Inca Trail to Machu Picchu, diving in the Galapagos Islands, or visiting Patagonia — our Ripcord policy is the best South America travel insurance policy you can buy.

Specifically designed for adventure travelers and off-the-beaten path explorers, this extensive plan has high coverage limits and enhanced coverage, including emergency evacuation and search and rescue.

On the other hand, if your plans revolve around sightseeing in the legendary metropolises of Latin America — think: Buenos Aires, Rio de Janeiro, Lima, and Caracas — Redpoint’s other travel insurance plans, Cavalry and Harbor, are probably better options.

For a more relaxing, city-focused luxury trip, Cavalry is ideal. Harbor, on the other hand, offers robust coverage for the budget-minded leisure traveler.

You can buy travel insurance for a single trip to South America, or purchase an annual policy for multiple visits. For travel insurance costs and more information on insurance for South America specifically, check out our [TK page] and get a quote today.

FAQs for South AmericaTtravel Insurance

Do I need travel insurance for South America?

Generally speaking, travel insurance is not required to enter most South American countries. However, Ecuador does require travel insurance to visit the Galapagos Islands.

Even if it's not mandatory, international travel is risky without the appropriate coverage for medical emergencies, trip cancellation, and the like — and visiting South America is no exception.

How much is travel insurance for South America?

The cost of travel insurance coverage varies depending on what your policy covers, among other factors, but most of Redpoint's plans for travel to South America range from 6% to 15% of the total trip cost.

What should your travel insurance cover for a trip to South America?

Before you settle on a plan, read your policy documents carefully to make sure the key elements are included.

A comprehensive travel insurance policy for South America should feature emergency medical coverage (at minimum, $100,000 to cover unexpected costs from medical emergencies), emergency medical evacuation, coverage for trip cancellations and interruptions, and baggage loss protection.

If you have pre-existing medical conditions, you'll want to look for insurance providers that offer waivers. You should also choose a policy with 24/7 assistance services, which all of Redpoint's policies offer.

Are there any COVID-19 restrictions for travelers to South America?

COVID-19 restrictions across South America have largely relaxed, but some countries may still have specific requirements for travelers, such as proof of vaccination, testing, or health declarations. Enforcement may vary, so it's best to check country-specific guidance before you depart.

What happens if a tourist gets sick in South America?

If a tourist gets sick in South America, quality medical care is available in major cities, although rural areas may have limited facilities. Private hospitals often offer higher-quality care but can be costly, so up-front payment or proof of travel insurance may be required.

For serious illnesses or injuries, medical evacuation to another city or country may be necessary, making travel insurance with evacuation coverage essential. Redpoint's 24/7 assistance line can provide help and guidance at +1-415-481-0610.

Are the hospitals good in South America?

The hospital and medical-facility standards in South America vary by country and whether you're in an urban or rural area. Generally speaking, though, large cities in South America will have sufficient medical treatment.

If private clinics or hospitals are available, those tend to be of a higher standard, but they're more expensive too — which is why travel insurance is a must for emergency medical expenses. In addition, keep in mind that not all hospitals or facilities will have English-speaking staff and doctors.

If you're having trouble locating adequate options during your trip to South America, you can reach out to Redpoint's 24/7 assistance line — our team is always available to help you find high-quality healthcare.

What documentation is needed to visit South America?

The entry requirements for U.S. citizens visiting South America vary by nation, so you should always check the specific visa and entry requirements of the country you plan to visit.

Americans can visit many South American countries — including Argentina, Colombia, Chile, Brazil, Peru, and Ecuador — without obtaining a visa first, as long as their stay is for tourism purposes and doesn't exceed a maximum period (usually 90 days). You'll also need a valid passport, most likely with at least six months' validity.

Is South America safe to visit?

South America is a large continent with varying safety levels and crime rates. However, major tourist destinations, large cities, and hotspots are generally safe to visit. Always consult country-specific guidance from the U.S. State Department, which will highlight regions in various countries that it's best for travelers to avoid.

Is South America safe for female travelers?

South America is generally safe for women travelers, especially in popular tourist areas, but it’s wise to take standard precautions anyway.

Solo female travelers should avoid isolated areas after dark, use trusted transportation, and be mindful of their belongings. Some countries may have issues with street harassment, so staying alert and dressing conservatively can help. Traveling in groups or joining organized tours can also enhance safety and provide a more comfortable experience.

How do I contact the U.S. Embassy in South America?

You should be able to contact the U.S. Embassy in all South American countries; however, country-specific hours and protocols will vary. Here is the contact information from some popular destinations:

Peru

Avenida La Encalada, Block 17, Santiago de Surco, Lima

Tel:+51-1-618-2000

Argentina

Av. Colombia 4300 (C1425GMN), Buenos Aires

Tel:+54-11-5777-4533

Brazil

St. de Embaixadas Sul 801 - Asa Sul, Brasília - DF, 70200-010

Tel:+55-61-3312-7000

Colombia

Carrera 45 No. 24B-27, Bogotá, D.C.