As far as the basics go, a good South America holiday insurance policy should include:
Medical coverage – most policies include medical coverage, so if you get ill or injured while on your trip to South America, your policy will cover the cost of your care. What’s more if you have any pre-existing conditions, you can easily get coverage that’s specific to your needs.
Your belongings – always check that your luggage is covered for theft or damage, and also what the individual item limits are on the policy. This is especially crucial if you’re bringing expensive equipment with you, like a laptop or specialist camera. More on baggage cover.
Travel problems – cancelled, delayed, or missed flights can all be covered by travel insurance, which is handy if you plan on hopping from destination to destination. Delayed bags are typically covered in your policy too, but it’s always good to double-check.
Personal liability – if you have an accident that inadvertently affects others on your trip, personal liability cover helps should you get sued for damages.
Legal fees – you shouldn’t need this, but it’s great peace of mind to know your travel insurance covers you for legal expenses, should you need them.