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Assist 365 travel insurance reviews: Advantages & disadvantages
Discover Assist 365 travel insurance reviews. We assess their services and share real user experiences from around the world.
Travel is for many one of life’s greatest pleasures, but planning the next destination can be exhausting. You have to think of everything: Visas, accommodation, bookings, and, because it’s better to be cautious, travel insurance. To do so, the first thing you do is search online for references to places and procedures; that’s why today, we want to help you make the decision to be protected from unforeseen events and bring you the reviews of Assist 365 travel insurance.
You will get a close look at the different policies this insurance offers and the experiences of customers who have used this company during their travels. Find out and evaluate with Holafly, if Assist 365 is the best travel insurance option for you.
What is Assist 365 travel insurance and what does it offer?
Assist 365 is an international company specializing in travel assistance and travel insurance. With over 15 years of experience, it has established a presence in more than 208 countries, providing medical protection, medical repatriation, legal assistance, and coverage for lost luggage, among other essential services.
Travel insurance plans offered by Assist 365
The company offers a variety of plans tailored for frequent travellers and digital nomads:
- Short-stay plans: For brief trips, including options like World Cover, Safe Travel, and Premium Cover.
- Long-stay plans: Designed for extended stays, such as Working Holiday or study visas, with plans like Global Backpacker, Safe Exchange, and World Explorer.
Assist 365 provides global coverage and assistance to its customers in over 208 countries. To offer these services, the company collaborates with a network of professionals and international medical entities, ensuring quality care regardless of the destination.
Additional services
Among the standout services, Assist 365 offers:
- Online doctors and telepsychology: 24/7 online medical assistance, with no usage limits.
- Coverage in the home country: Protection in case of accidents when returning to your home country.
What do Mapfre travel insurances cover?
Assist 365 offers a wide range of coverage in its travel insurance, adapting to the needs of different types of travellers. Here are the main coverages included in the policies:
- Medical assistance for illness or accident: Provides medical care in case of illness or accident during the trip, including consultations, treatments, and hospitalization.
- Medical assistance for pre-existing conditions: Some plans offer coverage for emergencies related to pre-existing medical conditions, up to the limit specified in the voucher.
- COVID-19 coverage: All plans include medical assistance in case of COVID-19 infection, covering hospitalization expenses, necessary treatments, and cremation.
- Medical repatriation: Covers the expenses of returning to the home country in case of serious illness or accident that prevents continuing the trip.
- Legal assistance: Provides legal support in situations requiring it during the trip.
- Coverage for lost luggage: Compensates the traveller in case of loss or theft of luggage during the trip.
- Assistance in case of lost or stolen documents: Helps in managing and recovering important documents in case of theft or loss.
- Urgent message transmission: Facilitates the communication of urgent messages to family members or third parties in emergency situations.
- Urgent dental assistance: Covers emergency dental treatments that cannot be postponed until returning to the home country.
- Early return due to emergency: Covers the expenses of an early return to the home country in case of serious family emergencies.
- Compensation for luggage delay: Compensates the traveller for essential expenses in case of delayed luggage delivery.
- Assistance in case of trip cancellation: Some plans offer coverage for non-refundable expenses in case the trip is cancelled for justified reasons.
Now, take a look separately at what’s included, what’s not, the limit of each plan, and whether it’s compatible with your next trip plans:
| Plan | Medical assistance | COVID-19 Coverage | Medical repatriation | Baggage loss | Price per Day (USD) |
| World Cover | Up to $50,000 (€46,000) | Included | Included | Up to $1,200 (€1,110). | 3 |
| Safe Travel | Up to $100,000 (€92,000) | Included | Included | Up to $2,000. | 5 |
| Premium Cover | Up to $250,000. | Included | Included | Up to $3,000. | 7 |
| Global Backpacker | Up to $60,000. | Included | Included | Up to $1,500. | 4 |
| Safe Exchange | Up to $80,000 (€73,600). | Included | Included | Up to $2,000 (€1,840) | 6 |
| World Explorer | Up to $150,000. | Included | Included | Up to $2,500 (€2,300) | 8 |
Assist 365 travel insurance plans.
What’s not included in Safe Travel Assistance travel insurance?
Although Assist 365 travel insurance offers extensive coverage and meets the basic requirements many visas ask for, there are some aspects not covered by their policies that you should be aware of to avoid future issues. Check the list below:
- Undeclared pre-existing conditions: Medical conditions that were not declared or that are not covered in the selected plan may be excluded.
- High-risk sports activities: Participation in extreme sports or activities considered high-risk may not be covered unless a specific coverage has been purchased.
- Aesthetic or cosmetic treatments: Medical procedures for aesthetic purposes are not included in the coverage.
- Mental or psychological illnesses: Treatments related to mental disorders may be excluded, unless the plan includes specific psychological assistance.
- Self-inflicted injuries or suicide attempts: Expenses arising from intentional acts that cause harm to the insured individual are not covered.
- Participation in criminal acts: Incidents occurring during the commission of illegal acts are not covered.
- Wars, terrorism, or natural disasters: Events related to armed conflicts, terrorist acts, or natural catastrophes may be excluded from coverage.
How’s customer service?
Assist 365 offers various communication channels for customer support in different situations, including a phone line, website, and WhatsApp (for quicker responses), available 24/7, along with an online platform for inquiries and assistance.
Response times are usually fast, with trained staff available to effectively address concerns and emergencies. However, some user reviews on forums like Tripadvisor mention negative experiences, such as delays in service or lack of coverage in specific situations.
“The service was incredible. They explained everything very willingly.” Emilio C.
“They are very bureaucratic and don’t solve the problems.” Ariel.
Reviews of Assist 365 travel insurance and its online platform:
In general, Assist 365’s website stands out for its simple design, where users can get personalized quotes by entering basic travel details, making it easy to compare plans and coverage. The contracting process is straightforward: You get a quote, select the desired plan, and complete the purchase in a few steps.
The platform is flexible in that it accepts various payment methods, such as credit cards and electronic options. We recommend reading the coverage and exclusions of the policy carefully and clarifying any additional doubts with customer support before making a purchase.
Advantages and disadvantages of Assist 365 travel insurance
Our goal is to provide you with an objective view, and since everything has its pros and cons, here are the benefits and aspects to improve for Assist 365 when compared to other travel insurance providers:
| To keep | To improve |
| Wide coverage: In over 200 countries. | Customer service: Some users report delays in responses and problem resolution. |
| Competitive prices: Its plans are often more affordable compared to other insurance providers. | Coverage for high-risk activities: Limitations on coverage for sports or high-risk activities. |
| Easy registration: Simple and quick online process. | Coverage for pre-existing conditions: Some limitations on coverage for pre-existing medical conditions. |
| Variety of plans: Options for different types of travellers, including digital nomads. |
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Users speak: Reviews of Assist 365 travel insurance
While many users positively rate Assist 365 for its speed and effectiveness, there are cases where the assistance didn’t meet expectations. Some potential customers express doubts about the company due to the limited reviews online, despite it being a company with 15 years of experience, which generates distrust when choosing a travel insurance provider.
In conclusion, each experience is personal, and reviews of Assist 365 travel insurance reflect both positive and negative opinions. We’ve gathered some online ratings about the insurer so you can get a complete picture. The final decision is yours.
Positive reviews
Some customers have shared positive experiences about the medical care received through Assist 365 and how the insurance was activated without any issues, which supports the quality of their services.
“My husband broke his fibula after falling off his bike in California. He was screaming in pain. I called the insurance company, and the service was excellent. A few minutes later, we were being attended at the Santa Clara Valley Medical Center. A hospital with excellent staff and facilities. We didn’t have to pay anything.” Sofía Gualleno.
“I had to use the insurance for food poisoning in Mexico, and they were very careful.” Emilio.
“I’ve used it, and I had no issues, as did other friends and family. But it’s during a time of need that you see if the coverage you bought truly works.” Jorge.
Negative reviews
The other side of the story is that there are also negative reviews. One user on Tripadvisor rated Assist 365 as a “scam”:
“Don’t use Assist Card 365. It’s a scam. We were in Isla Grande, Brazil. My daughter got gastroenteritis with fever and vomiting. We had to go to Angras do Reis to a hospital, 30 minutes by boat. During the transfer, they kept sending us around to find where we should be treated. They didn’t cover the transfer. They also didn’t cover the hospital, claiming that none in the area accepted insurance, saying they only took cash and didn’t issue invoices. Luckily, we went to a public hospital, and the local doctors treated us very well. The company doesn’t cover expenses or medications and doesn’t acknowledge the inconvenience caused.” Hernán.
Additionally, these users didn’t have favorable experiences either:
“I had an intestinal problem from a very aggressive virus during my trip to New York, and they refused to cover the bill. Excuse: Pre-existing condition, meaning they accused me of having travelled with the virus and, in that way, they won’t cover it.”Ruben. Ruben.
“It’s better not to contract with these people. I lost a tooth on my trip to Europe. I called them, and they referred me to a dentist. Later, they rejected the coverage, saying it was a cosmetic issue since I wasn’t in pain… I had to pay USD 240 out of my own pocket. I will never use Assist 365 again.” Roberto.
