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The Land of Incas

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TRAVEL INSURANCE FOR SOUTH AMERICA

With stunning landscapes, treacherous jungles, surreal deserts, tropical rainforests, exceptional street art, and a lost city, it's no suprise that tourism in South America is heating up.
As Colombia continues to shed it's unsavory reputation, Bogata is booming and is on the cusp of becoming the hottest destination in South America.
Whether you’re seeking a challenging hike, flamboyant fiestas, or archaeological awe, we highly recommend you take out comprehensive travel insurance.
Zoom offers unlimited medical cover, emergency assistance, trip cancellation, luggage and more. What are you waiting for? Zoom to getting a cheap quote today.

WHY BUY WITH ZOOM

Emergency Assistance

emergency assistance

No matter where you are, we're there when you need us most. Our expert emergency assistance is available 24 hours a day, 7 days a week.

travel delays

Travel
delays

Flights do get delayed on occasion, but bad weather needn't dampen your holiday. Get cover for travel disruptions with comprehensive cover.

luggage cover

COVER for your luggage

Where there are tourists, there are people ready to exploit them. Take off knowing your belongings are covered for pickpockets, loss or damage.

Adventure activities

Adventure PACKED

Whether you're hiking the Inca Trail or kayaking across Lake Titicaca, you can get cover for your activities with cover from our adventure pack.

money back guarantee

MONEY BACK GUARANTEE*

Our 14 days cooling off period means you can cancel your policy and we'll give you a full refund, no worries.

Cover in a flash

Cover In A Flash

We keep things zippy. Our fast quotes and easy buying process will have you covered in no time. Buy direct today to get immediate cover.

easy claims

We've done away with lengthy forms and have kept our claims process simple. We guarantee to assess fully documented claims in a flash.

Peace Of Mind

Zoom to Zen. You can sit back and relax on your holiday knowing that you're covered by award winning travel insurance.

SOUTH AMERICA QUICK GUIDE


The wonders of South America certainly set the stage for amazing adventures. Whether its lush rainforests, barren deserts, sun-kissed beaches or ice-blue glaciers Zoom has a travel insurance plan to cover your trip. 

 You can minimise your costs with Medical Only cover, or choose to buy Comprehensive Travel Insurance for extra protection to cover things like luggage, travel delays and cancellation. Compare Zoom's Travel Insurance plans online today.


Are you heading to another part of The Americas? If you're holidaying to the United States of America or Canada, we've got heaps more helpful advice on popular travel destinations to check out. What are you waiting for? Zoom to it!

COMPARE SOUTH AMERICA TRAVEL INSURANCE

COMPARE PLANS

(Benefits are per adult) Expand to see benefits & limits in detail
Medical Only Standard Comprehensive
Emergency included included included
24/7 Emergency Assistance Service included included included
24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
Medical unlimited unlimited unlimited
Overseas Emergency Medical & Hospital ExpensesSO unlimited unlimited unlimited
Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas.
Dental ExpensesO $1,000 $1,000 $1,000
Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth.
Repatriation Of RemainsO $25,000 $25,000 $25,000
Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia.
Hospital Cash AllowanceSO $2,500 $5,000
An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
Permanent DisabilityO $25,000
A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip (no excess applies).
Loss of IncomeSO $10,400
Weekly payment you received if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work in your usual occupation for more than 30 days after returning to Australia. (no excess applies)
Luggage & Personal Items $5,000 $10,000
Travel Documents & Transaction CardsO $2,000 $5,000
Reimburses you for the cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
Luggage & Personal EffectsAS $5,000 $10,000
Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
Theft of CashPO $250
Reimburses you for cash, bank notes, currency notes, or money orders stolen whilst on your person during your journey.
Luggage & Personal Effects Delay ExpensesASO $500
Cover to purchase essential clothing and personal items if your luggage and personal effects have been delayed, misdirected or misplaced by your carrier for more than 12 hours.<br/> <br/> $250 if your luggage is delayed for less than 7 days. $500 if your luggage is delayed for more than a week. (no excess applies)<br/>
Cancellation & Delay chosen limit chosen limit
Pre-Departure Cancellation Fees & Lost DepositsPS chosen limit chosen limit
Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters.
Pre-Departure Amendments to JourneyA $2,000
Cover for additional travel expenses that you incur and cannot recover when you need to amend your journey due to illness or injury, hospitalisation of a relative, or your scheduled or connecting transport is cancelled or delayed due to weather, strikes, riots, or a natural disaster.
On-trip Disruption chosen limit chosen limit
On-trip Cancellation Fees & Lost DepositsPS chosen limit chosen limit
Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather.
Additional Accommodation & Travel Expenses
— Family Emergency
— Emergency Companion Cover
AS
$10,000 $25,000
Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster.<br> <br> There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies)
Travel Delay ExpensesS $2,000
Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
Special Event Transport ExpensesO $2,000
Reimburses you for additional travel expenses to reach a special event (wedding, funeral, prepaid conference, concert, music festival, sporting event, or a tour lasting more than two consecutive nights) on time.
Other $2,500,000 $2,500,000 $5 million
Personal LiabilityP $2,500,000 $2,500,000 $5 million
Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent).

Medical Only

Show Benefits
  • Emergency included
  • 24/7 Emergency Assistance Service included
  • 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
  • Medical unlimited
  • Overseas Emergency Medical &amp; Hospital Expenses unlimited
  • Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas.
  • Dental Expenses $1,000
  • Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth.
  • Repatriation Of Remains $25,000
  • Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia.
  • Other $2,500,000
  • Personal Liability $2,500,000
  • Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent).

Standard

Show Benefits
  • Emergency included
  • 24/7 Emergency Assistance Service included
  • 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
  • Medical unlimited
  • Overseas Emergency Medical &amp; Hospital Expenses unlimited
  • Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas.
  • Dental Expenses $1,000
  • Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth.
  • Hospital Cash Allowance $2,500
  • An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
  • Repatriation Of Remains $25,000
  • Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia.
  • Luggage & Personal Items $5,000
  • Travel Documents & Transaction Cards $2,000
  • Reimburses you for the cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
  • Luggage & Personal Effects $5,000
  • Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
  • Cancellation & Delay chosen limit
  • Pre-Departure Cancellation Fees & Lost Deposits chosen limit
  • Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters.
  • On-trip Disruption chosen limit
  • On-trip Cancellation Fees & Lost Deposits chosen limit
  • Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather.
  • Additional Accommodation & Travel Expenses<br/>&mdash; Family Emergency<br/>&mdash; Emergency Companion Cover $10,000
  • Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster.<br> <br> There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies)
  • Other $2,500,000
  • Personal Liability $2,500,000
  • Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent).
  • Cruise unlimited
  • Onboard Medical Expenses unlimited
  • Cover for reasonable onboard emergency medical, and other necessary treatment expenses you incur while on a cruise if you become ill or injured.
  • Rental Vehicle Excess chosen limit
  • Rental Vehicle Insurance Excess chosen limit
  • Covers for the excess payable on your rental vehicle insurance that you have with your car hire company.<br> <br> You can choose your level of cover up to $5,000 or up to $10,000.

Comprehensive

Show Benefits
  • Emergency included
  • 24/7 Emergency Assistance Service included
  • 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
  • Medical unlimited
  • Overseas Emergency Medical &amp; Hospital Expenses unlimited
  • Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas.
  • Dental Expenses $1,000
  • Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth.
  • Hospital Cash Allowance $5,000
  • An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
  • Repatriation Of Remains $25,000
  • Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia.
  • Permanent Disability $25,000
  • A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip (no excess applies).
  • Loss of Income $10,400
  • Weekly payment you received if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work in your usual occupation for more than 30 days after returning to Australia. (no excess applies)
  • Luggage & Personal Items $10,000
  • Travel Documents & Transaction Cards $5,000
  • Reimburses you for the cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
  • Theft of Cash $250
  • Reimburses you for cash, bank notes, currency notes, or money orders stolen whilst on your person during your journey.
  • Luggage & Personal Effects $10,000
  • Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
  • Luggage & Personal Effects Delay Expenses $500
  • Cover to purchase essential clothing and personal items if your luggage and personal effects have been delayed, misdirected or misplaced by your carrier for more than 12 hours.<br/> <br/> $250 if your luggage is delayed for less than 7 days. $500 if your luggage is delayed for more than a week. (no excess applies)<br/>
  • Cancellation & Delay chosen limit
  • Pre-Departure Cancellation Fees & Lost Deposits chosen limit
  • Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters.
  • Pre-Departure Amendments to Journey $2,000
  • Cover for additional travel expenses that you incur and cannot recover when you need to amend your journey due to illness or injury, hospitalisation of a relative, or your scheduled or connecting transport is cancelled or delayed due to weather, strikes, riots, or a natural disaster.
  • On-trip Disruption chosen limit
  • On-trip Cancellation Fees & Lost Deposits chosen limit
  • Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather.
  • Additional Accommodation & Travel Expenses<br/>&mdash; Family Emergency<br/>&mdash; Emergency Companion Cover $25,000
  • Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster.<br> <br> There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies)
  • Travel Delay Expenses $2,000
  • Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
  • Special Event Transport Expenses $2,000
  • Reimburses you for additional travel expenses to reach a special event (wedding, funeral, prepaid conference, concert, music festival, sporting event, or a tour lasting more than two consecutive nights) on time.
  • Other $5 million
  • Personal Liability $5 million
  • Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent).
  • Cruise unlimited
  • Onboard Medical Expenses unlimited
  • Cover for reasonable onboard emergency medical, and other necessary treatment expenses you incur while on a cruise if you become ill or injured.
  • Snow unlimited
  • Emergency Rescue unlimited
  • Medical transfer or evacuation if you injure yourself whilst on the ski slope
  • Snow Pack $750
  • Cover for the value of any unused ski pass, ski hire or tuition fees following loss or theft of your ski pass or you being unable to ski following accident or illness.
  • Resort Closure $1,000
  • Cover for the cost of transport to the nearest resort and the cost of additional ski passes if all lift systems are closed as a result of not enough snow, bad weather or power failure in your pre-booked holiday resort.
  • Winter Sports Equipment Cover $1,500
  • We will reimburse the winter sports equipment hire excess or the cost of repairing the equipment, whichever is lesser, if the winter sports equipment you have hired is damaged or stolen due to an event covered under this policy.
  • Winter Sports Equipment Hire $1,000
  • Cover for the cost of hiring alternative Snow Skiing Equipment following the loss, theft or or breakage of your equipment, or if your equipment has been misdirected or delayed for more than 24 hours
  • Rental Vehicle Excess chosen limit
  • Rental Vehicle Insurance Excess chosen limit
  • Covers for the excess payable on your rental vehicle insurance that you have with your car hire company.<br> <br> You can choose your level of cover up to $5,000 or up to $10,000.
  • Bicycle Pack $15,000
  • Bicycle Cover $15,000
  • Designed specifically for cyclists, we offer cover if your bicycle is lost, stolen or damaged (no cover whilst in use).

Benefits shown are a summary of cover only. Sub-limits may apply. Please read the Product Disclosure Statement (PDS) for full terms, conditions, limits, excess payable and exclusions; and consider the Target Market Determination to determine whether our travel insurance is right for you.

A Limits are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller.
S Sub-limits apply.
P Limits are per policy regardless of the number of persons the claim relates to.
O There is no cover while travelling in Australia.

SOUTH AMERICA TRAVEL INSURANCE FAQs

A vast continent full of jungles, trails, beaches, colonial cultures and charismatic cities. A passion for great food, wine, coffee, football, music, tequila and tango. And a reputation for petty crime, and even gun crime and kidnappings in some parts. What could possbibly go wrong!?
In South America - life can be unpredictable, but with knowledge and travel insurance you can fiesta with freedom.
  • Do I have to enter all countries and regions I visit?
  • If you know where you're going, you can enter each country you plan to visit (for example, Argentina, Brazil, Colombia and Peru). However, if you're unsure of your full itinerary, you can enter 'Americas' which will cover you for both South America and North America (including Central America and USA). If you want the freedom to travel anywhere, you can enter Worldwide and be covered no matter where in the world you are travelling (so long you are not travelling against government advice).

  • Is it safe to travel in South America?
  • The short answer is yes. The longer answer is there are places and situations that may be dangerous and should be avoided.

    South America is a place embroiled with internal conflict, political and social upheaval, but there are many countries that are safe to travel to.The main consideration is not so much the country you are traveling to, but the area(s) you are visiting and how you will get there. You should do your research and consider what risks are involved and whether there are any travel warnings in place.

    Common sense prevails: You should keep your money, passport, and ID documents on you at all times, and avoid flashing cash around or wearing extravagent jewellery.

    Safety in numbers: If you can, travel with a friend or with a group of like-minded travellers.

  • How do alcohol and drugs affect my cover?
  • With drinks as diverse as the continent’s landscape itself, there are plenty of tasty tipples to enjoy throughout South America. Whether it's tequila in Mexico and caipirinhas in Brazil, we advise you to drink in moderation. Please note that we may exclude any claims where excessive drugs or alcohol have been involved.

  • Do you cover the Inca Trail?
  • Check out our Adventure Actitivies pack to understand our cover when it comes to climbing and hiking. 

  • Am I covered for pick pocketing in Colombia?
  • Yes, petty crime is rife in certain parts of South America and you’d be covered provided you were acting with reasonable care (i.e. did not leave your belongings unattended). If you’re the victim of a pickpocket, you’d be covered for loss, theft and damage to your luggage and personal effects. If you are robbed it’s important that you get a police report and contact us as soon as possible.

VISAS FOR SOUTH AMERICA

Visa conditions for South America vary for each country, so it is essential that you check the requirements of every country you will be visiting with the local embassy or consulate before you travel. For the majority of countries, Australian tourists can stay for up to 90 days without a visa.  For those countries in South America requiring Australian visitors to have a visa for entry, most can be obtained on arrival, however there are some exceptions. For example, Australian passport holders require a visa to enter Brazil and this must be obtained prior to departure.

As entry conditions are subject to change at short notice, DFAT recommends travellers consult the closest Consular or Ebassy for the relevant country.

You should also ensure that your passport is valid for at least 6 months from your planned date of departure from South America and that you have blank pages in your passport for all of the visas you require and one or two spare pages.

ON ARRIVAL

South America is a massive continent so you're likely to catch more than one flight, but arriving in South America is a fairly smooth process, as long as you have your visa.  Destination bloggers are full of stories about shonky taxi drivers who lurk at airports, looking for first-time tourists that make easy prey. Fortunately, most major airports now offer secure alternatives for arriving passengers.  The smart option is to just head to a booth before passing security to prepay for a registered cab.  They usually take credit cards too, which is convenient if you haven't yet picked up any of the local currency.  For the small price you pay, it is a great way to avoid dramas.

GETTING AROUND

Rental car agencies don't allow cars to be taken across international borders, so it can be very difficult to drive around the continent.  For most of South America buses are the main method of transportation and should be embraced. There is an enormous network of bus lines, and if you have the time and patience, you can travel easily by bus from one country to another. But be warned, both the road conditions and quality of travel vary drastically between countries and regions in South America. If money is no object, and time is short, flying makes a lot of sense. Internal air travel is expensive and trains are rare, whereas buses are cheap, realible and often very comfortable.  You will also have the chance to rub shoulders with some of the most passionate people on the place, the local population.

BEST TIME TO VISIT

Being such a vast continent with variations in altitude and latitude, the weather can differ greatly from place to place in South America.  Having said that, with two thirds of South America within close proximity of the tropic of Capricorn or the equator, travellers to most destinations can expect a tropical or subtropical climate all year round. Rainforest regions average maximum temperatures of about 30°C and temperatures rarely drop below 20°C.

Like most destinations, prices tend to spike during the school holiday periods in July, August and late-December so where possilbe it's best not to travel during these months if you wish to avoid crowded tourist trails and inflated prices.

WHERE TO GO

South America is one hell of a continent with diverse landscapes, cultures and natural wonders.  Think Argentina, Bolivia, Bueno Aires, Brazil, Chile, Colombia, Galápagos Islands, Peru and Venezuela, where do you even begin? From the ancient ruins of Machu Picchu to gushing cascades of Iguazu falls, there is so much to delight the senses in South America.  Rather than attempt to conquer the whole continent, it's a good idea to choose one country or maybe your big ticket attraction and then build yourself an itinerary around that.

While it's a good idea to keep a loose itinerary to allow for spontaneity and adventure, there are some things that will need to be pre-booked in advance. If you're planning on doing the classic Inca trail hike, you'll need to book at least three to six months ahead of time as spaces are limited.

You could go for a month and barely scratch the surface, so it will pay to take as much time as you can.

There are many well researched bucket lists for South America, so what are you waiting for?  Zoom to it! 

ZOOMING ELSEWHERE?

Are you zooming elsewhere on your holidays? Whether you're going to large it up in London or heading to the land of stars and stripes, we've got plenty of helpful advice on other popular travel destinations to check out. What are you waiting for? Zoom to it!