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Due to the range of countries on the South American continent, things like the standard of medical care, potential natural disasters and risk of theft can vary. That’s why Compare the Market’s travel insurance expert, Adrian Taylor, has some tips on choosing a travel insurance policy to accompany you on your journey.
It’s important to purchase a comprehensive travel insurance policy as soon as you pay any deposits for your trip. That way, if an unforeseen event means you need to cancel some or all of your trip, you may have access to cancellation cover.
Backpacking can come with the risk of injury of illness while travelling. Often, medical expenses can set you back hundreds, if not thousands, of dollars, especially when you’re overseas without Medicare or private health insurance and need repatriation or emergency evacuation. Your policy can also cover cancellations, luggage, rental vehicle excess and the option for extra cover for snow and adventure sports.
When searching for a policy using Compare the Market’s comparison service, look for the COVID-19 icon. This will allow you to compare products that will cover you for COVID-19 related losses. Keep in mind, this cover may only be available with top tier policies.
First-time backpackers and visitors to South America should do their research before leaving home, so they can be as prepared as possible for anything that comes their way. Here’s some tips to keep in mind before departing:
However, the challenges of South America will pale in comparison to touring some of the world’s greatest historical, cultural and natural wonders.
Dreaming of hitting all your bucket list South American destinations is one thing, but affording it is another. Although South America may be considered ‘cheap’ by some backpacking standards, it’s typically more expensive than other backpacking destinations like Central America and Southeast Asia.
A few travel tips for saving money include:
When planning to travel for weeks or months, it’s important not to overpack and only take what you need. When packing for your South American adventure, here are some things to keep in mind:
Keep in mind that this list is a basic example of a packing list for South America and will vary depending on your individual needs and your itinerary. Check out our full guide on what to pack for your overseas trip.
South America is wonderful place to visit. However, many tourist areas are also crime hotspots, so it’s important to stay alert when in public and protect your belongings with travel insurance.
Your travel policy can also help cover you for other unexpected events that impact your trip. Whether it’s altitude sickness in Peru, malaria in the Amazon or falling off your mountain bike on Yungas Road, you may be covered for medical expenses, cancellation costs due to missed tours and more.
If you’re looking to keep your journey going through Central America, keep travelling upwards to the USA, Mexico and Canada, or even travel the well-trodden path through Europe, a comprehensive travel insurance policy can keep you financially protected against the unexpected.
In general, it’s a good idea to use common sense and not take unnecessary risks when backpacking in South America. If you can, backpack with a friend or join a group of like-minded travellers; you can usually find safety in numbers. Keep your passport, ID documents and money on you at all times and don’t wear flashy jewellery or clothes. Bureaucracy and corruption are also rife in certain parts of South America, so ensure your paperwork (including visas, transit stamps and passport validity) is in order before leaving Australia.
Famous for steak, red wine and their staple snack of empanadas, Argentina’s also well known for inventing the fiery dance of lovers – the Tango! Spanish is the official language, and pesos are the currency. Top spots for your backpacking trip in Argentina include:
Safety tips: Major cities, tourist locations and public transport are hotspots for theft and robberies, so be cautious in those areas and keep personal belongings out of sight.1 Don’t use ATMs unless you’re in a shopping centre or bank and never at night.
Often referred to as the Tibet of the Americas, Bolivia is one of the most remote countries in the Western Hemisphere. The currency is Boliviano and the official language is Spanish, although Bolivian Indigenous languages may be more common in rural and remote communities.
Learning Spanish in a homestay situation is popular with visiting tourists and, as such, homestay programs in Bolivia abound and are usually very safe and reputable. Top spots for backpacking in Bolivia include:
Safety tips: Don’t hail taxis off the street, as criminals often pose as drivers.2 You should avoid political protests, as they can become violent. It’s not recommended to go on hiking trips without an experienced tour guide, and if travelling between November and March, natural disasters such as flooding and landslides may occur, so follow the advice of the local government officials.
Famous for Rio’s Carnivale, long stretches of beautiful beaches and the Amazon rainforest, Brazil offers visitors a wealth of cultural, historical and natural must-see destinations. Portuguese is the official language, the official currency is the Brazilian Real and football is the unofficial religion.
Brazil is a vast country, with the top spots for backpacking in Brazil including:
Safety tips: During the rainy season, flooding, landslides and severe storms are common, so be prepared to make unexpected changes to your travel plans.3 It’s best to avoid going out alone, especially at night, and try to avoid travelling through ‘favelas’ or shantytowns.
Famous for its volcanos, glaciers and fjords, Chile is sandwiched between the Andes Mountains and the Pacific Ocean. It’s only 180km wide at its widest point, but the coastline covers more than 4,300 kilometres, earning Chile the nickname of the world’s longest country.
Spanish is the primary language, and the currency is the Chilean Peso. The capital Santiago is a small, thriving, cosmopolitan city. It’s also making a name for itself as a foodie’s dream with plentiful markets, artisan produce and an array of exciting restaurants, not to mention Chile’s world-renowned wines.
Top spots for backpacking in Chile include:
Safety tips: It’s best to avoid political protests as they can become violent.4 Robberies and petty theft can be common, so it’s best to stay alert on public transport and not travel at night. A variety of natural disasters are also common in Chile, so be sure to follow the advice of local authorities if one occurs.
Colombia is considered one of the world’s megadiverse countries. Spanish (and, in urban centres, English) is the official language, and the Colombian Peso is the currency. Colombia’s famous for coffee and its wealth of natural resources; it’s the world’s leading source of emeralds.
Top spots for backpacking in Colombia include:
Safety tips: Colombia has high levels of crime, terrorism and kidnapping in some parts of the country.5 Check Smartraveller for places you may want to reconsider travelling to or avoiding altogether. If you want to go hiking, hire an experienced, trustworthy guide instead of going alone, as robberies may occur. Some diseases, such as yellow fever and the Zika virus, are common; make sure your vaccinations are up to date before travelling.
With something for everyone, this slightly smaller country is perfect for adventurous backpackers. You’ve got everything from volcanos to heritage architecture to hot springs – the list is almost endless. Spanish is the official language, and the currency is the US Dollar.
Starting with the capital, Quito, every tourist should straddle the equator at least once. Other top spots for backpacking in Ecuador include:
Safety tips: There is a risk of violent crime and theft in Ecuador due to organised crime.6 Keep up to date with any advice from the Ecuadorian government as the situation can change suddenly. Criminals can also target tourists, so be careful when travelling alone or at night, especially if you’re a female traveller.
Famous for the Incans, llamas and their cocoa trade, Peru’s the epicentre of cultural tourism. Spanish and Quechua are the official languages in Peru, though Quechua is more prevalent in highland areas.
The currency is Peruvian Nuevo Sol (soles), but USD is also accepted in some places. Starting in Lima, take in some of the region’s unique local cuisine and cliffside views.
Top spots for backpacking in Peru include:
Safety tips: Never hail taxis from the street, use reputable companies only and, when driving, always lock the doors and windows.7 Some tour and adventure activity operators don’t follow proper safety protocols; always ask about safety requirements and use available safety gear.
Venezuela is known for its natural wonders and for being a tropical paradise. The national currency is the Venezuelan bolívar, and the primary language is Spanish.
Starting in Caracas, take in the Cathedral Metropolitana, Museo Sacro de Caracas and El Ávila National Park. Don’t forget to try an arepa (famous Venezuelan corn meal cake) and cool down with a refreshing papelón con limón (raw hardened sugar cane with water and lemon or lime juice).
Some of Venezuela’s top spots for backpacking include:
Safety tips: Smartraveller has a ‘Do Not Travel’ warning for Venezuela due to the unstable political climate (current as of 21 February 2024).8 If you do travel, be aware there are shortages of food and water, and pharmacies are currently not stocking basic medication.
Guyana, Suriname, Paraguay and Uruguay are lesser known, but no less exciting countries you may want on your South American backpack itinerary. Guyana and Suriname are located on the continent’s north-eastern tip and are bordered by the Caribbean Ocean.
If you’re looking for some of the best beaches in South America that aren’t packed with tourists, backpacking in Guyana or Suriname could be ideal. There are many wonderfully preserved colonial heritage architecture, museums and lush landscapes.
Paraguay and Uruguay are also great ‘off the beaten track’ destinations for international tourists. Check out Punta del Este in Uruguay, a summer oasis often compared to St. Tropez, and do a wildlife cruise down the Paraguay river through the wetlands.
As the Executive General Manager of General Insurance, Adrian Taylor believes in educating customers about the importance of travel insurance so that anyone can kick back and make the most of their time away from home. While no one wants a disrupted holiday, a suitable travel insurance policy can provide a financial safety net for yourself, your belongings and your trip in case things go wrong.
1 Smartraveller, Department of Foreign Affairs and Trade. Argentina. Last updated October 2022. Accessed March 2023.
2 Smartraveller, Department of Foreign Affairs and Trade. Bolivia. Last updated February 2023. Accessed March 2023.
3 Smartraveller, Department of Foreign Affairs and Trade. Brazil. Last updated February 2023. Accessed March 2023.
4 Smartraveller, Department of Foreign Affairs and Trade. Chile. Last updated February 2023. Accessed March 2023.
5 Smartraveller, Department of Foreign Affairs and Trade. Columbia. Last updated October 2022. Accessed March 2023.
6 Smartraveller, Department of Foreign Affairs and Trade. Ecuador. Last updated February 2023. Accessed March 2023.
7 Smartraveller, Department of Foreign Affairs and Trade. Peru. Last updated February 2023. Accessed March 2023.
8 Smartraveller, Department of Foreign Affairs and Trade. Venezuela. Last updated January 2023. Accessed March 2023.