Assist-365 Plans: From World Cover to Million Cover, Based on Your Trip
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Assist-365 organizes its plans into three groups: entry-level lines for short tourist trips (World Cover, Safe Travel, Premium Cover), higher medical coverage lines (Elite Cover, up to USD 500,000, and Million Cover, up to USD 1,000,000), and lines built for long stays or Working Holiday visas (Global Backpacker, Safe Exchange, World Explorer).
Choosing the right plan mostly comes down to trip length, destination, and how much medical backup you want. The table below summarizes each line; exact pricing and terms should always be confirmed when you get a quote, since they change based on age, country, and trip duration.
Entry-level plans: World Cover, Safe Travel, and Premium Cover
Built for short tourist or business trips, these plans offer basic 24-hour medical assistance plus COVID-19 and baggage coverage, at a more accessible cost than the higher-tier lines.
High-coverage plans: Elite Cover and Million Cover
Elite Cover goes up to USD 500,000 in medical coverage and Million Cover up to USD 1,000,000, ideal for travelers who want more backup in case of a prolonged hospital stay or high-cost treatment, for example in destinations with expensive healthcare systems.
Plans for long stays and Working Holiday
Global Backpacker, Safe Exchange, and World Explorer are designed for extended trips: long-term backpackers, exchange students, and Working Holiday visa holders, with certificates accepted by consulates and embassies.
Multitrip plan and age surcharge
Frequent travelers can use the Multitrip/annual plan, covering unlimited trips over one year, each of them short-term (the exact number of days varies by plan; confirm it when you get a quote). An age surcharge applies from age 75, with the exact amount confirmed when you get a quote.
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Assist-365 plan lines
| Plan | Group | Best for |
|---|---|---|
| World Cover | Entry-level | Short tourist trips |
| Safe Travel | Entry-level | Short trips, first-time travel insurance buyers |
| Premium Cover | Entry-level / mid-tier | Longer tourism or business trips |
| Elite Cover | High coverage (up to USD 500,000) | Extra medical backup |
| Million Cover | Maximum coverage (up to USD 1,000,000) | High medical risk trips or long stays |
| Global Backpacker | Long stays | Backpackers and extended trips |
| Safe Exchange | Long stays | Academic exchange students |
| World Explorer | Long stays | Digital nomads and long-term travelers |
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Frequently Asked Questions
What's the difference between Elite Cover and Million Cover?
Elite Cover offers medical coverage up to USD 500,000 and Million Cover up to USD 1,000,000, making it the highest-backup option in the lineup.
Which plan works best for a Working Holiday program?
Global Backpacker, Safe Exchange, or World Explorer are built for long stays and are typically accepted by consulates for this type of visa.
Is there a plan for people who travel several times a year?
Yes, the Multitrip/annual plan covers unlimited trips within a year, with each trip being short-term; the exact maximum varies by plan, so confirm it when you get a quote.
Do entry-level plans include COVID-19 coverage?
Yes, COVID-19 coverage is included on every Assist-365 plan, regardless of the line you choose.
