If you’re decided on Chile as your next travel destination, you’re bound to have an amazing experience! The country is incredibly diverse, and has lots to offer, from incredible adventure sports to breathtaking landscapes and a unique blend of cultures.
From its more touristic cities such as Santiago, Viña del Mar, and Valparaíso, to the natural wonders of Torres del Paine and the Atacama Desert, there is something for everyone in Chile.
While there are tons of activities available in this 4,270 km long country, the high cost of health care for foreigners makes travel insurance to Chile a must.
Good insurance will provide you with financial protection, to solve any inconvenience or emergency without seriously breaking the bank. So, let’s take a look at the best options for travel insurance to Chile!
Comparison of the best travel insurance for Chile
Finding international travel insurance to Chile is essential when planning your trip to the country. That is why, in this section, I have compiled the best insurance policies according to a number of different traveller profiles.
Specifically, I have selected those insurance policies that include extensive medical coverage, protection against luggage theft, repatriation and early return of the insured, and adventure sports add-ons.
When searching for travel insurance to South America, it’s important to find a policy whose benefits are consistent with the type of trip you’re taking, so you get the appropriate amount of coverage. So, here’s our comprehensive guide to travel insurance for Chile!
Best travel insurance to Chile for short trips
Although Chile is big, discovering the country in less than 3 months is possible, with comprehensive insurance options for families, solo travellers, and adventurers!
For this reason, I’m going to outline the best insurance policies for each of these traveller types, and explain which are the most useful benefits for each group, so tune in!
This 5% discount from Chapka is valid until 13/10/2024.
Click here: Activate Discount
- Fill in your info: country, coverage regions, and dates.
- Click on “Calculate Price”.
- Done! Your discount will be applied automatically.
Chapka’s most useful benefits for short holidays include:
- Extensive medical assistance at the destination
- Repatriation and early return
- Cover for loss or damage to baggage
In the following table, you’ll find a comparison of the best policies for travel insurance to Chile for trips of under 3 months:
You live in | 🇪🇺 EU | 🇪🇺 EU | 🇪🇺 EU | 🇪🇺 EU | 🇬🇧 🇮🇪 |
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Short Stay Insurance | 
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Price 7 days | 24€ | 25€ | 24€ | 30€ | £107 |
🎁 DISCOUNT | info | info | info | info | info |
🎉 For all | – 5% | – 5% | – 5% | ❌ | – 10% |
👨👩👧👦 For a family | – 15% | – 15% | – 5% | ❌ | for students |
Valid until 13/10/2024 | ACTIVATE DISCOUNT | ACTIVATE DISCOUNT | ACTIVATE DISCOUNT | GET A QUOTE | ACTIVATE DISCOUNT |
🏆 | ⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️⭐️⭐️ |
Medical expenses | Unlimited | 5.000.000€ | 500.000€ | 500.000€ | £15,000,000 |
Accident compensation | 60.000€ | 18.000€ | 80.000€ | 10.000€ | £10,000 |
Loss or delay of baggage | 3.000€ | 3.000€ | 2.500€ | 1.600€ | £1,500 |
Liability | 60.000€ | 2.000.000€ | 60.000€ | £2,000,000 | |
Adventure Sports | ✅ | ✅ | ✅ | ✅ | ✅ |
Repatriation | ✅ | ✅ | ✅ | ✅ | ✅ |
Early return | ✅ | ✅ | ✅ | ✅ | ✅ |
🕵🏽♀️ REVIEWS | Chapka insurance | Heymondo insurance | IATI travel insurance | Outbacker Insurance | |
💰 DISCOUNTS | Promo Code Chapka | Promo Code Heymondo | Promo Code IATI | ❌ | ❌ |
Families travelling short-term
When taking out travel insurance for Chile as a family, your family’s safety is of the utmost importance. That’s why your policy should include broad medical coverage, and coverage designed for the little ones.
This policy has all of these guarantees and more, so you and your loved ones can travel with peace of mind.
Until 13/10/2024, get 5% off Heymondo Insurance when you travel as a family.
If you’re seeking coverage for an adventure with the whole family, this is a great option. It offers medical assistance abroad, pharmaceutical expenses, repatriation of minors, and children’s liability.
Solo travellers and couples travelling short-term
For those exploring the world on their own or as a couple, it is important to have inexpensive but comprehensive medical insurance. It’s also a good idea to find insurance that covers sports activities and medical expenses for pre-existing conditions.
Get a 5% discount on Heymondo travel insurance valid until 13/10/2024!
This is the ideal option for travellers exploring the world on their own or as a couple. This policy offers good value for money, has broad equipment and medical coverage, insures you during sporting activities, and even covers pre-existing conditions.
Backpackers and adventurers travelling short-term
For the intrepid traveller, the ideal policy is one with broad medical coverage, that also covers aspects such as bodily injury in motor vehicle accidents and adventure sports.
Heymondo is the perfect insurer for adventurous travellers, and for travel to countries with high medical expenses. Its comprehensive coverage includes motor vehicle accidents and adventure sports.
Activate your coupon for a 5% discount on Heymondo, available now until 13/10/2024.
Best travel insurance to Chile for long-term trips
Are you planning to spend more than 3 months exploring Chile? Spending a longer time in the country will allow you to discover more of its hidden treasures and have an unforgettable experience.
To save you some time, I’ve also compiled the best policies for long-term trips and highlighted their most useful benefits. But that’s not all! I’ve chosen the best option for families, solo travellers, and backpackers.
You have until the 13/10/2024 to get a 5% discount on Heymondo Insurance!
Click here: Activate Discount
- Fill in your info
- Click on “Calculate Price”
- You’re ready to go! Your discount will be applied automatically.
Remember, the longer the trip, the higher the chance that something will go wrong at some point.
In the following table, you can see a comparison with the policies offered by other companies for long-term travel insurance to Chile:
You live in | 🇪🇺 EU | 🇪🇺 EU | 🇪🇺 EU | 🇪🇺 EU | 🇬🇧 🇮🇪 |
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Long Stay 3 months or + |
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Price 3 months | 229€ | 210€ | 338€ | 220€ | £206 |
🎁Discounts👇 | info | info | info | info | info |
🎉For all | – | – 5% | – 5% | ❌ | – |
👨👩👧👦For a family | – 15% | – 15% | – 5% | ❌ | – 10%* |
valid until 13/10/2024 | ACTIVATE DISCOUNT | ACTIVATE DISCOUNT | ACTIVATE DISCOUNT | GET A QUOTE | ACTIVATE DISCOUNT |
🏆 | ⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️ |
Legal assistance | 13.000€ | 12.000€ | 3.000€ | £10,000 | |
Medical expenses | 1.000.000€ | 500.000 € | 1.000.000€ | 500.000 € | £15,000,000 |
Liability | 4.500.000€ | Optional | 60.000€ | 500.000€ | £2,000,000 |
Loss or delay of baggage | 150€ | 200€ | 300€ | £1,500 | |
Baggage theft and damage | 2.000€ | Optional | 2.500€ | 1.600€ | £1,500 |
Adventure Sports | ✅ | 200€ | ✅ | ✅ | ✅ |
Repatriation | ✅ | ✅ | ✅ | ✅ | ✅ |
Veterinary Assistance | ❌ | ✅ | ❌ | ❌ | |
Early Return | ✅ | 60.000€ | ✅ | ✅ | ✅ |
🕵🏽♀️ Reviews | Chapka insurance | Heymondo insurance | IATI travel insurance | Outbacker Insurance | |
💰 Discounts | Chapka promo code | Promo Code Heymondo | Promo Code IATI | ❌ | *Valid for students |
Families travelling long-term
Travelling families have perhaps the most specific needs when it comes to travel insurance to South America, so finding a policy that fully meets those needs is vital.
Some of the most important benefits that will give you peace of mind while travelling with your family are broad medical coverage, a 24-hour medical chat, repatriation, early return, and pharmaceutical expenses covered.
Get a 15% Discount on Chapka Adventure for a family of 3 persons or more (valid until 13/10/2024).
This is a great option for long-term family trips. It includes a 24-hour medical chat, repatriation and early return, and pharmaceutical expenses because access to prescription drugs is crucial when travelling with the little ones.
Solo travellers and couples travelling long-term
For trips of over 3 months, the best option is to choose a policy that covers all the activities you can possibly contemplate taking part in. This is because with longer trips, you don’t know exactly which types of opportunities will come your way!
Furthermore, you also want a policy that can adapt to changes in your itinerary, like a policy with flexible renewal options. This next policy has all that and more!
Activate 5% Discount at Heymondo Insurance (valid until 13/10/2024).
If you’re ready to dive straight into your next big adventure, either solo, or with a partner, you want peace of mind.
This insurance policy is ideal for long-term trips (from 1 to 12 months), as it includes a high level of medical costs, repatriation, and it allows for renewal whilst on the road.
Backpackers and adventurers travelling long-term
Chile’s vast natural diversity makes it an amazing place for adventurous travel. If you plan to try out extreme and adventure sports, your travel insurance for Chile will need to include broad coverage for medical expenses.
If you’re an adrenaline junkie headed to Chile for a period of 3 months or more, I would consider this the best policy on the market for you right now, check it out!
If you’re an intrepid traveller who’s ready to leap into the unknown and experience the adrenalin and adventure of your next trip, this next long-term travel insurance is for you.
Until 13/10/2024, get a 5% discount on Heymondo Travel Insurance.
Perfect for backpackers, this policy includes a wide variety of high-risk activities, such as activities with undomesticated animals, jet skiing, and off-roading!
Best travel insurance to Chile for digital nomads and businesses
If you’re headed to Chile to live and work for a period of time as a digital nomad, the first most important benefit to note is, of course, electronic equipment coverage!
But which policy offers the best digital nomad travel insurance for Chile? Below, I’ve outlined the policy that has worked best for me as a digital nomad, and not only that, it’s great for business trips, too.
Get a 5% discount on Heymondo until 13/10/2024. Get in quick!
Activate Discount Here
- Fill in your trip info
- Click on “Calculate Price”.
- All done! The discount will be applied automatically.
Some of the most useful benefits of Hey Mondo travel insurance for digital nomads include:
- 24/7 assistance platform.
- Repatriation and early return.
- Travel expenses for a family member if you are hospitalised for over a week.
With the following table, you can compare the best policies for digital nomads seeking travel insurance for Chile:
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⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️ | ⭐️ | ⭐️ | |
Price 3 months | 174€ | 210€ | 338€ | 126€ | 195€ |
Discount valid until 13/10/2024 | – 15% for families | – 5% | – 5% | ❌ | ❌ |
ACTIVATE DISCOUNT | ACTIVATE DISCOUNT | ACTIVATE DISCOUNT | GET A QUOTE | GET A QUOTE | |
Legal assistance | 13.000€ | 12.000€ | 3.000€ | ❌ | ❌ |
Covid-19 | ✅ | ✅ | ✅ | ✅ | ✅ |
Medical expenses | 1.000.000€ | 500.000 € | 200.000€ | 222.600€ | £10,000,000 |
Hospitalization | Actual costs | 500.000€ | 250.000€ | 200.000€ | £10,000,000 |
Theft or loss of luggage | 2.000€ | 2.500€ | Optional | 2.670€ | £2000 |
Repatriation | Actual costs | Actual costs | Actual costs | 17.800€ | Actual costs |
Sports activities | ✅ | Optional | ✅ | ❌ | ✅ |
Recommended for | All types of stays | All types of stays | All types of stays | Digital nomad | All types of stays |
Review | Chapka insurance | HeyMondo insurance | IATI travel insurance | SafetyWing insurance | Word Nomads Insurance |
Discount > | Promo Code Chapka | Promo Code HeyMondo | Promo Code IATI |
Best travel insurance to Chile for Working Holidays
In recent years, the Chilean economy has positioned itself as the strongest in Latin America. It follows that Chile is a great destination for those heading overseas on a Working Holiday visa.
People on this type of visa are typically eager to explore the country they’re living in, and thus, need a policy which covers all the activities that follow. Here’s a comprehensive policy that will allow you to explore Chile worry-free:
Enjoy a 5% discount on Chapka Working Holiday insurance (valid until 13/10/2024)
Click Here: Activate Discount
- Fill in your trip info
- Click on “Calculate Price”.
- Done! The discount will be applied automatically.
The most useful benefits that Cap Working Holiday gives those working abroad include:
- Coverage during short trips to your home country.
- Repatriation and early return.
- Medical expenses and hospitalisation abroad covered at 100%.
- This policy is renewable abroad, in case you decide to extend your stay.
In the table below, you can see a comparison between Working Holiday policies offered by other companies:
🏠You live in | 🇬🇧UK 🇮🇪IR | 🇪🇺 EU | 🇪🇺 EU | 🇪🇺 EU | 🌍 World |
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Working Holiday Insurance |
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Price 1 month | ￡40 | 36€ | 80€ | 51€ | 42€ |
info | info | info | info | info | |
Discounts 🎁 | – 10% for students | – 5% | – 5% | – 5% | ❌ |
valid until 13/10/2024 | ACTIVATE DISCOUNT | ACTIVATE DISCOUNT | ACTIVATE DISCOUNT | ACTIVATE DISCOUNT | GET A QUOTE |
⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️⭐️ | ⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️ | |
Legal assistance | £10.000 | 13.000€ | 12.000€ | 3.000€ | ❌ |
Medical expenses | £15.000.000 | 500.000 € | 200.000€ | 1.000.000€ | 222.600€ |
Hospitalization | £15.000.000 | 200.000€ | 500.000€ | Actual costs | 250.000€ |
Theft or loss of luggage | £1,000 | 2.000€ | Optional | 2.500€ | 2.670€ |
Repatriation | Actual costs | Actual costs | Actual costs | Actual costs | 17.800€ |
Sports activities | ✅ | Optional | ✅ | ❌ | ✅ |
Phone theft | ✅ | ✅ | ❌ | ❌ | ✅ |
Camera or drone theft | ✅ | ✅ | ❌ | ❌ | ✅ |
Recommended | All types of stays | All types of stays | All types of stays | All types of stays | Digital nomad |
Review | Outbacker Insurance | Chapka insurance | Heymondo insurance | IATI travel insurance | SafetyWing insurance |
Discounts | Promo Code Outbacker | Promo Code Chapka | Promo Code HeyMondo | Promo Code IATI |
Best annual travel insurance to Chile
Do you travel to Chile or South America more than once a year? If so, annual insurance can make your life a lot easier!
Annual insurance is essential for frequent travellers. This package insures you for all the trips you take in a year, so you can save time and money on insurance. Each trip under 60 days will include cancellation coverage and a 24-hour assistance platform.
Activate a 5% Discount on Heymondo Annual Multi-trip, only valid until 13/10/2024.
In my experience using annual travel insurance, there are some essential benefits you should look for when taking out travel insurance to Chile:
- Strong coverage for medical expenses
- Repatriation and early return
- Covid-19 cover
- Luggage theft or damage
- Trip cancellation cover
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⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️⭐️ | ⭐️ | ⭐️⭐️ | ⭐️⭐️⭐️ | |
Price for 1 year | 169€ | 198€ | 504€ | 600€ | 751€ |
Discount valid until 13/10/2024 | – 5% | ❌ | ❌ | – 10% for families | – 5% |
ACTIVATE DISCOUNT | GET A QUOTE | GET A QUOTE | ACTIVATE DISCOUNT | ACTIVATE DISCOUNT | |
Covid-19 | ✅ | ✅ | ✅ | ✅ | ✅ |
Medical expenses | 3.500.000 € | 300.000€ | 222.600€ | 150.000€ | 500.000€ |
Hospitalization | Actual costs | 300.000€ | 300.000€ | Actual costs | Actual costs |
Theft or loss of luggage | 1.700€ | 2.000€ | 2.670€ | 1.150€ | 1.500€ |
Repatriation | Actual costs | Actual costs | 17.800€ | Actual costs | Actual costs |
Sports activities | Optional | Covered | Covered | Covered | Covered |
Phone theft | ❌ | ❌ | ✅ | ❌ | ❌ |
Camera or drone theft | ❌ | ❌ | ✅ | ❌ | ❌ |
Recommended for | All types of stays | All types of stays | Digital nomad | All types of stays | All types of stays |
Review | HeyMondo insurance | Chapka insurance | SafetyWing insurance | ACS insurance | IATI travel insurance |
Discount > | Promo Code HeyMondo | Promo Code Chapka | Promo Code IATI |
The best travel insurance to Chile for students
Studying abroad is a dream for many students, and Chile is the perfect place for those who want to discover a new country and culture, and learn Spanish, or any other university course.
As a student in Chile, you want coverage that is designed for your student lifestyle, and designed to allow you to get out there and explore the country. This next policy does both!
Chapka Student is perfect for students heading abroad. This policy is especially useful for students studying in countries with high medical costs, such as the USA, Canada, Australia, New Zealand and Japan.
Get a 5% discount on Cap Student in October 2024:
Click here: Activate Discount
- Fill in your trip info (country of residence, travel dates, type of insurance).
- Click on “Calculate your Insurance”.
- All done! The discount will be applied automatically.
Cap Student also covers travel and accommodation costs for a family member to visit you if you are hospitalised for 2 days or more:
- Repatriation and early return.
- Chronic, pre-existing or congenital conditions.
- Dental expenses.
- Personal injury from motor vehicle accidents.
In the following table, you can compare the best student policies offered by the top insurers:
Useful tips for travelling to Chile at the best price in 2024
In recent years, Chile has positioned itself one of Latin America’s most expensive countries, so it’s a good idea to save where you can. A little saving here and there can go a long way. With that said, here are my travelling hacks!
Choosing insurance that is tailored to your needs is vital, but remember that flights, accommodation, the card you use, and how you book your activities are crucial factors as well.
Here are a few tricks I’ve learned over the years, they’ll help you save money on your travels, so you can focus on the things you enjoy about travelling.
If you follow these tips, you might just find that by the end of your trip, you have enough money left over to explore an extra destination on your route home. Imagine that!
Fly at reduced prices!
You know, flights don’t cost the same from all countries! To pay for my cheapest flights, I use NordVPN.
Basically, it’s a private network that allows you to access Internet sites from locations other than your own, and this can have some serious benefits:
In October 2024, enjoy a 59% discount on NordVPN.
Click here: Activate Discount
Flights from Barcelona to Buenos Aires don’t cost the same if you buy them from Spain as from India, for example. So, once you’ve installed NordVPN, simply access websites like Skyscanner and compare prices by entering as if you were browsing from different countries.
The 8 countries from which it is cheapest to buy flights are: Malaysia, Bulgaria, India, Turkey, Romania, Indonesia, Portugal, and Thailand. Once you have NordVPN, head over to Skyscanner and start paying reduced prices for flights all over the world!
Stay at a discount all year round
Access Booking.com now and get discounts of up to 15% in October 2024 by becoming a Genius user.
There are also ways to save money when booking your accommodation with Booking. The first of which is becoming a Genius user, something you get from making 2 bookings (Genius level 1), and 5 bookings (Genius level 2).
As a Genius user in Booking.com, you can enjoy:
- Discounts on room rates.
- Free breakfast.
- Upgrades to superior room categories.
- Free parking.
- Late check-out.
- Welcome gifts.
In addition, there are hotels in Booking.com that directly offer you a 10 to 15% discount on your rate for being a Genius user.
Access to get discounts of up to 15% by becoming a Genius user.
Finally, Booking.com has a Minimum Price Guarantee program, so if you find a cheaper price for your hotel on any other website, they’ll match it!
Get the best travel card
If you travel frequently, the Revolut Metal Card is another great way to save money. For starters, they offer you unlimited currency exchanges without paying any fees!
This Card allows you to make unlimited domestic transfers free of charge, and withdraw up to £800 a month from international ATMs.
If you spent £650 abroad in a month using a standard card, and withdrew £350 at ATMs, you would have paid around £44 in fees.
With the Revolut Metal card, you would have paid £0 in fees.
Reserve your entertainment and sightseeing in advance
GetYourGuide is an indispensable tool for organising any trip to any destination. It’s a platform that helps you book tourism and leisure activities for your trip.
With GetYourGuide, you can book your activities online to avoid queues, and take advantage of a discount for online bookings. This way, you save time and money, so you can enjoy more activities during your trip!
Discounts on Travel Insurance to Chile
Of course, one of the best ways to save on your trip is to get your insurance as cheap as possible. To save you some time, I’ve compiled the following exclusive discounts for you to take advantage of:
Promo code applies an automatic and immediate discount.
- After clicking on the offer, you will be redirected to the insurer website
- Fill in the details of your next trip
- Then click on “Get a quote”.
- The promo code will be applied automatically.
Requirements for travelling to Chile
The official tourism website of Chile provides information for travellers concerning the requirements to enter the country. Among them, the following conditions are worth mentioning:
- Have a valid passport or identity card.
- You must have a stamped visa. This will depend on your country of origin.
- Proof of funds. The official tourism website of Chile says tourists should provide proof of a minimum of 46 USD for each day they stay in the country.
- Have proof of vaccination from the country where you have been vaccinated. Failing this, present a negative PCR result no more than 48 hours before the trip.
Note that the Ministry of Foreign Affairs of Chile also recommends bringing a return ticket, and strongly advises taking out travel insurance for Chile.
It’s also worth mentioning here that the official tourism website also has all the necessary information concerning entry requirements for visiting Easter Island, or Rapa Nui.
Is it compulsory to take out travel insurance for Chile?
Having travel insurance for Chile is no longer an official requirement. However, as I have mentioned, it is highly inadvisable to enter Chile without insurance.
More specifically, non-resident foreigners are advised to have medical insurance that includes at least 30,000 US dollars, and coverage for complications with COVID-19.
The Chilean authorities also highlight the threat of natural disasters, either earthquakes or floods, which are the most common in Chile. Thus, medical insurance for travelling to Chile is essential to be covered in the event of any incident.
Main coverage for an insurance policy to Chile
With all this information about requirements and recommendations, all you need to know now is what coverage should be included in your travel insurance for Chile. Don’t worry! I’m here to break it down:
I have selected the following benefits precisely for a destination like Chile. There are a number of risks when travelling through Chile’s vast landscapes, such as Torres del Paine and Cerro Dragón, for example.
Here’s my summary of the coverage that your travel insurance to Chile must have. Take note!
- Free assistance 24 hours a day, 7 days a week.
- Extensive medical coverage and access to the best specialists.
- Adventure sports included, as well as search and rescue expenses for the adventurous.
- Early return of the insured, either due to natural disaster at the destination, or problems in your home country, such as accident or death of a family member.
- Coverage for theft or incidents with your luggage.
How much does travel insurance to Chile cost?
In this section, I’ve laid out the average price for travel insurance to Chile for each traveller profile:
- 26 € per week for short trips.
- 52 € per month for long trips, nomadic or business travel.
- 86 € per month for business travel (Working Holiday).
- 51 € per month for overseas study travel.
How to take out travel insurance to Chile
Nowadays, thanks to new technologies, taking out travel insurance to Chile is quick and straightforward.
In the following list, I’ll take you through it step-by-step:
- Go to the website of the insurance company that best suits your needs as a traveller and choose your policy.
- Click on the “Contract” button, or equivalent, and fill in your trip details to start the process. You will be asked to fill in the following: duration of the trip, origin, and destination of the trip, and number of travellers.
- Read the conditions of your chosen insurance carefully and enter the personal information for each traveller.
- Add any extra coverage you need, such as cancellation coverage, in case you need to cancel your trip, or an adventure sports add-on.
- Enjoy the peace of mind your insurance brings and always have the policy at hand in case of any incident.
Is it safe to travel to Chile?
Chile is one of the safest destinations in Latin America. However, as in any other country, it is important to exercise certain precautions. This is the recommendation of Chile’s tourism website. As a general rule, bring a photocopy of your passport wherever you go.
In particular, it states that you should avoid isolated areas at night, and to avoid carrying valuables in less safe areas. You should always be aware of where your belongings are, and if you want to take a taxi, you should book it in advance.
It’s a good idea to know where your country’s Embassy is in Chile, in case you do run into trouble:
Chile’s incredible cultural and natural diversity makes it a dream destination for travellers around the world. Whatever brings you to Chile, you’re bound to have a great time, so… “¡Buen viaje!” 🇨🇱 🌎
