Travel insurance for South America

There are some activities that aren't usually covered by standard travel insurance. So, it's worth thinking about what you'll be getting up to in South America.

If your policy doesn't provide the level of cover you need for the things you plan to do, you might need a policy add-on. Just like the name suggests, you can add them to your policy for enhanced cover. But, keep in mind you'll need to pay an extra cost.

Let's take a look at them:

• Cruise insurance. If you'll be stopping at certain parts of South America as part of a cruise, you'll need cruise travel insurance. It can cover you for the unique things that can go wrong while at sea, like missed ports.

• Scuba diving insurance. Malpelo Island in Colombia is considered one of the best diving sites in the world, and is popular with people who want to swim with sharks! This add-on can offer enhanced cover for scuba diving, including diving to depths past 18 metres.
• Skiing. When you think of South America, skiing might not be the first thing that comes to mind. But, San Carlos de Bariloche in Argentina is popular with skiers all year round. If you're planning to go there, you'll need a winter sports insurance add-on.
• Trekking and hiking insurance. Are you planning on trekking Torres del Paine National Park in Chile? Or, maybe you have plans to hike Tayrona National Park in Colombia? If you are, hiking and trekking won't be covered by your standard insurance. So, you'll need this add-on.

Whether you'll be hiking Machu Picchu or exploring the many tropical coastlines, follow these tips for a memorable experience:

• Safety

  Crime rates can be high in South America. Kidnappings, robbery and pickpocketing can be common. GOV.UK has specific guidance on how to stay safe, depending on which South American country you're visiting.

• Laws and customs

  In some South American countries, you'll need to make sure you're carrying photo ID and your passport with an entry stamp at all times.

  Top tip: Visiting a South American country that doesn't require this? Consider keeping your passport in a safe, secure place and carrying a copy of it instead.

• Volunteering

  If you're planning to volunteer during your time in South America, make sure that you're using a reputable, licenced tour operator. You should also make sure there's a local agent to assist if you have an emergency or need help. It's also worth considering volunteer travel insurance.

• Altitude sickness

  Are you planning to go on a hike or a trek? If you are, you'll need to think about altitude sickness. It's a condition that can happen when your body struggles to adjust to lower oxygen levels at a higher elevation.

  The best way to prevent it is to stay hydrated, take your time, and stick to designated routes with your tour guide. Keep in mind, phone service can be limited in more rural areas. So, make sure someone knows where you're going and when you should be back.

• Road travel

  Many travellers opt to explore various South American countries by car. But, roads in South America can be in poor condition and careless driving can be common.

  If you'll be exploring South America by road, make sure you're wearing your seatbelt and be wary of carjacking. For added safety, you could consider going with an official tour company.

  Planning to use a taxi to get around? If you are, book through your hotel to make sure you're using a legitimate taxi company. There's safety in numbers, too. So, if you can, always travel in a group.