What Does Assist-365 Cover? A Complete Coverage Guide
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Assist-365's coverage is built around 24-hour medical assistance: consultations, treatment, and hospitalization for illness or accident, backed by a provider network in more than 200 countries. On top of that sit complementary coverages like baggage, COVID-19, repatriation, and electronics protection.
Exact amounts vary by plan (World Cover, Elite Cover, Million Cover, and others), destination country, and the traveler's age, so they should always be confirmed when you get a quote. Below is a breakdown of each coverage type and the indicative ranges published by Assist-365.
Medical assistance for illness or accident
Includes medical consultations, treatment, and hospitalization around the clock, with access to a provider network in more than 200 countries. This is the core coverage on every Assist-365 plan.
COVID-19 coverage
Every Assist-365 plan includes COVID-19 coverage, with hospitalization and treatment built into the policy.
Repatriation and medical evacuation
Covers medical and funeral repatriation, as well as medical evacuation when the severity of the case requires it and the destination lacks the infrastructure to treat it.
Baggage and Tech Protection
Lost baggage coverage typically ranges between USD 5,000 and USD 10,000 depending on the plan. As an optional add-on, Tech Protection covers a laptop, tablet, or camera against theft or accidental damage.
Pre-existing conditions
Pre-existing conditions can be covered up to an approximate sub-limit of USD 40,000 to USD 50,000, as long as they're declared when the policy is purchased. Not declaring a pre-existing condition can leave a related complication without coverage.
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Indicative amounts by coverage type
| Coverage type | Indicative amount |
|---|---|
| Lost baggage | Between USD 5,000 and USD 10,000, depending on the plan |
| Pre-existing conditions (sub-limit) | Approximately USD 40,000 to USD 50,000, if declared at purchase |
| Medical coverage for illness or accident | From entry-level amounts up to USD 500,000 (Elite Cover) or USD 1,000,000 (Million Cover) |
| Tech Protection (laptop, tablet, camera) | Optional add-on coverage, amount depends on the chosen plan |
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Frequently Asked Questions
Does COVID-19 coverage cost extra?
No, it's included on every Assist-365 plan at no extra charge.
What happens if I don't declare a pre-existing condition?
If it isn't declared at purchase, a problem related to that condition could be left without coverage, so it's always recommended to declare it.
How much does Assist-365 cover for lost baggage?
The amount varies by plan, typically between USD 5,000 and USD 10,000.
Is Tech Protection included or do I need to add it?
It's an optional coverage added on top of the base plan to protect electronics like a laptop, tablet, or camera.
Does repatriation include the transfer of remains in case of death?
Yes, the coverage includes both medical and funeral repatriation.
