Assist 365: complete guide to travel assistance with Elite Cover and Million Cover
In-depth guide to Assist 365: travel assistance vs travel insurance, Elite Cover and Million Cover plans, pre-existing condition cover, telepsychology, fine print and how to use the assistance center.
Assist 365 is one of the most visible travel assistance brands in Latin America, especially among travelers from Argentina and the Southern Cone, and increasingly used by travelers across the region and beyond. Its proposition combines fully online sales, plans with high medical assistance amounts and benefits such as pre-existing condition cover and emotional support. In this guide we analyze in depth what Assist 365 offers, how its highest-cover plans compare, what to check in the fine print and who it makes most sense for.
Travel assistance vs travel insurance: a difference worth understanding
Before talking about Assist 365, it helps to clarify a concept. In Latin America the travel assistance model is common: a company that coordinates and pays for medical care, transfers and other services during the trip through an assistance center and a provider network. In other markets, traditional travel insurance dominates, where an insurer reimburses expenses according to a policy. In practice, for the traveler, both models aim for the same thing, but assistance puts the emphasis on direct coordination: you call, they refer you and the company handles payment.
Understanding this helps you use the service well: with travel assistance, the most important thing is to contact the center before receiving care, except in life-threatening emergencies, so the company can coordinate the provider.
What Assist 365 is
Assist 365 is a travel assistance company that sells its plans online through its website, with a focus on Latin American travelers. According to specialist travel media, it operates through digital sales without public service offices and offers payment options such as interest-free installments in some markets. Its catalog includes plans for different destinations, durations and profiles, and in recent years it added high-cover plans aimed at expensive destinations such as the United States and Europe.
The highest-cover plans: Elite Cover and Million Cover
In early 2025, Assist 365 launched two high-cover plans that became benchmarks of its catalog:
| Item | Elite Cover | Million Cover |
|---|---|---|
| Medical assistance for illness, accident or COVID-19 | USD 500,000 | USD 1,000,000 |
| Pre-existing condition | USD 40,000 | USD 50,000 |
| Lost baggage | USD 5,000 | USD 10,000 |
| Medical and funeral repatriation and medical evacuation | USD 500,000 | USD 1,000,000 |
| Emotional support (telepsychology) | Included | Included |
An important detail: according to published information, these high-cover plans are available for trips of up to thirty days. If your trip is longer, check which other plans in the catalog apply.
Why high amounts matter
One million dollars in medical assistance may seem excessive for a holiday, but it makes sense in destinations such as the United States, where a hospital stay with surgery and intensive care can reach very high figures. A high amount reduces the risk of cover running out in a serious event. For destinations with moderate medical costs, a lower-cover plan may be enough.
Pre-existing conditions: an advantage over many competitors
Many insurers and assistance companies exclude pre-existing conditions entirely. Assist 365, in its Elite and Million plans, includes specific pre-existing condition cover of USD 40,000 and USD 50,000 respectively. This is especially valuable for travelers with controlled chronic conditions, such as hypertension or diabetes, who would otherwise be unprotected if their condition worsens during the trip.
Keep in mind that this cover is limited compared with the plan's overall cap. If you have a pre-existing condition, check the general terms to see which events are covered and what requirements apply.
COVID-19 and illness during the trip
The Elite and Million plans include COVID-19 within medical assistance for illness, with the same caps as the plan. For travelers who still consider this risk, it's reassuring that it isn't excluded.
Emotional support through telepsychology
An uncommon benefit in the market is emotional support through telepsychology, included in both plans. A trip can bring difficult situations: an accident, bad family news, an anxiety episode far from home. Access to a professional by video call can make a difference.
Assist 365's main advantages
High medical assistance amounts. Up to one million dollars on Million Cover.
Pre-existing condition cover. Up to USD 50,000 on the top plan.
Repatriation and evacuation with high caps.
Telepsychology included.
100% online sales with payment options in some markets.
Latin American focus and Spanish-language support.
Benefits in practice
For a couple traveling to the United States for two weeks where one has controlled hypertension, Million Cover offers a high medical cap and pre-existing condition cover, something many policies don't include. For a family traveling to Europe in summer, Elite Cover covers most mishaps comfortably. For a traveler who loses their suitcase on a connection, baggage cover of up to USD 5,000 or 10,000 is meaningful backup.
Fine print worth checking
- Maximum duration: the highest-cover plans apply to trips of up to thirty days.
- Pre-existing conditions: the cap is limited and conditions apply.
- Sports and cancellation: check the general terms to see whether they're included or require an add-on.
- Assistance procedure: contact the center before receiving care, except in life-threatening emergencies.
- Reimbursement deadlines: if you pay anything out of pocket, respect the deadlines for requesting a refund.
How to buy Assist 365 step by step
- Go to the Assist 365 website from the link in this guide.
- Enter destination, dates and travelers' ages.
- Compare the available plans, paying attention to medical amounts, pre-existing conditions and baggage.
- If your trip lasts up to thirty days and you're going somewhere expensive, consider Elite or Million.
- Fill in the travelers' details as in the passport.
- Pay and download the voucher with the assistance number.
How to use the assistance during the trip
Save the voucher and contact numbers on your phone. If you have a health problem, contact the assistance center, explain your location and symptoms and follow its instructions on the provider. In life-threatening emergencies, go to the medical center first and notify assistance as soon as possible. Keep reports and invoices for any expense.
Assist 365 compared with other options in our network
GO! Assistance is another Latin American assistance company with more than twenty-five years, in-house telemedicine and pregnancy cover up to week twenty-six. Protege tu Viaje stands out for its WhatsApp support and high Trustpilot rating. IATI offers high limits in euros and 100% repatriation, but excludes pre-existing conditions. Asegura tu Viaje lets you compare several assistance companies in one place. Assist 365 stands out for combining very high amounts with pre-existing condition cover and telepsychology.
Common mistakes
Buying a low-cover plan for the United States. Medical costs there demand high amounts.
Not declaring or not reviewing pre-existing conditions. They can affect cover.
Choosing Million Cover for a forty-day trip. Check the maximum duration.
Seeing a doctor without notifying the center. It can complicate direct payment.
Assist 365 for older travelers
Older people often have a pre-existing condition and are more likely to need care. For them, the combination of a high medical cap and specific pre-existing condition cover is especially useful. Check the age limits and whether the price changes by band.
Cost and payment
The price depends on destination, duration, age and plan. In some markets Assist 365 offers payment in local currency and interest-free installments, and often runs promotions with discount codes. Always compare the final price with what each plan includes.
Assist 365 for trips to Europe with a Schengen visa
For those who need a Schengen visa, travel assistance must meet the consulate's requirements: minimum medical cover, repatriation and validity for the whole stay. Assist 365's high-amount plans usually exceed the required minimum comfortably, but before the consular appointment confirm that the voucher clearly states the medical assistance amount, repatriation cover, dates and that the destination is Europe. If the consulate asks for a specific letter or format, request it from the company in advance.
Study and business trips
For a short business trip, a mid-level plan with good medical cover is usually enough, unless the destination is the United States, where it's worth moving up. For studies lasting more than thirty days, check the catalog plans that allow long stays, since Elite and Million apply to trips of up to thirty days. Some educational institutions have specific insurance requirements; check them before buying.
How to prepare before you leave
Download the voucher, save the assistance numbers, note your plan number and share it with a relative. If you have a pre-existing condition, carry a medical summary and a list of your medications with their generic names. Activate mobile data or an eSIM so you can reach the center over the internet if you have no international phone signal.
What to do if you paid out of pocket
Sometimes it isn't possible to coordinate care with the center before receiving it, for example in an early-morning emergency in a remote area. In those cases, most assistance companies let you request reimbursement if the event was covered and reported within the set deadlines. For the refund to go smoothly, keep the medical report with the diagnosis, invoices in your name detailing the services, pharmacy receipts with the corresponding prescription and proof of payment. Send the request as soon as possible and keep a copy of everything you send.
Tell the center the case number they assign you and write it down. If they ask for additional documents, reply quickly: many reimbursement delays are caused by missing documents.
Baggage: how to claim a loss
If your baggage doesn't arrive, go to the airline desk before leaving the airport and file a property irregularity report (PIR). Keep that receipt, the bag tags and your ticket. Then contact assistance to learn the compensation procedure under your plan. If the airline finally declares the bag lost, you'll need that record to complete the process. The USD 5,000 or 10,000 caps on Elite and Million apply according to the plan's terms.
Traveling as a family with Assist 365
If you travel with children or several adults, buy a plan for each traveler and check whether family discounts or current promotions exist. Each voucher shows the insured's name, so make sure every detail is correct. Keep everyone's vouchers in one place on your phone and share them with another adult in the group.
Checklist before you travel
- Plan chosen by destination and duration.
- Enough medical cover for the destination.
- Pre-existing conditions reviewed.
- Voucher downloaded and assistance number saved.
- Mobile data or eSIM active to stay in touch.
If you'd rather compare several travel assistance companies with Spanish-language support, viaje365.globalinsurancemall.com brings together plans by destination and helps you pick the right one.
Conclusion
Assist 365 is an attractive option for travelers looking for high medical assistance amounts, pre-existing condition cover and benefits such as telepsychology, all bought online. Its Elite Cover and Million Cover plans are especially useful for trips of up to thirty days to expensive destinations. If you'd like to compare it with other assistance companies, message us on WhatsApp.
Frequently asked questions
How much does Assist 365's Million Cover plan cover?
Up to USD 1,000,000 in medical assistance for illness, accident or COVID-19, and up to USD 1,000,000 for repatriation and evacuation.
Does Assist 365 cover pre-existing conditions?
Yes, on the Elite and Million plans with caps of USD 40,000 and USD 50,000 respectively, subject to conditions.
What is the maximum duration of the highest-cover plans?
According to published information, they apply to trips of up to thirty days.
Does Assist 365 include psychological support?
Yes, Elite Cover and Million Cover include emotional support through telepsychology.
Does it cover lost baggage?
Yes, up to USD 5,000 on Elite Cover and USD 10,000 on Million Cover.
How do I request assistance during the trip?
Contact the assistance center before receiving care, except in life-threatening emergencies, and follow its instructions.