Accidental death coverage

Every ASSIST-CARD holder is given with the card and free of charge and an Accidental Death Coverage hired at insurance companies and that will be valid for trips abroad made during the validity of the card. The covered amount, which rises up to U$S 1,000,000.00 will depend on the ASSIST-CARD product you purchase.
IMPORTANT: We recommend reading the General Conditions corresponding to each product.

Assistance in case of loss or delay of luggage

It is very well known that millions of pieces of luggage are misplaced yearly in air trips, and that a very high proportion of them is never found again.

Whenever your luggage has been misplaced by an airline, you must immediately phone our nearest Alarm Center from the airport. Our Assistance Coordinators will immediately start the luggage-tracking operation in the airport of departure, stopovers and airport of destination. We know that the first hours once the loss is detected are crucial for the finding of the luggage and this is the reason why it is essential that we be informed directly from the airport.
In case the luggage is found we will instruct the airline to deliver the luggage to you. In some cases, when customs must be cleared, it is possible that you must personally go to the airport to pick up the luggage.

Some ASSIST-CARD products include LOST OR DELAYED LUGGAGE COVERAGE that provides an indemnity or compensation in case bag is not found within a specified time frame. This is not theft coverage (for instance when you find out that stuff has been robbed from inside a bag or when a piece of luggage is stolen from your hotel foom, at the street or even at the airport) but insurance for the delay or loss produced by the airline when the piece of luggage was checked in at the counter to be sent into the luggage compartment of the airplane. In these cases, in order to collect the covered amounts, you will be requested to fulfill the requirements established by the Insurance Company hired by ASSIST-CARD, among which the most important are: a) always inform ASSIST-CARD before leaving the airport, and b) submit the receipts corresponding to the type of compensation or indemnity the ASSIST-CARD product purchased eventually includes.

Compensation for expenses arising from delayed or lost luggage

This compensation will allow you to recover the amount you had to spend to purchase basic need items due to delay or loss of a piece of luggage checked into the luggage compartment of a regular airline international flight.
In case the product purchased includes a coverage for up to U$S 1200 and ifyou have fulfilled the Insurance Company?s requirements established in the General Conditions, in case the piece of luggage has not been located within 36 hours from the moment ASSIST-CARD has been notified from the airport, the Insurance Company will reimburse up to U$S 200 for expenses for the purchase of first-need items. And if after 10 days from the first call from the airport the luggage has not already been found and you are still traveling with a valid card, you may obtain up to U$S 1000 for the same reason. In case the piece of luggage is found later, it will be delivered to you regardless of the amount that has been paid for compensation.

Indemnity for total loss of a piece of luggage

The Insurance Company pays this indemnity once the piece of luggage has been declared as non-located by the Airline and therefore has paid you the corresponding amount.
According to the ASSIST-CARD product purchased, the Insurance Company pays the corresponding amounts either in addition or as a complement to the amount paid by the airline.
In addition means that, independently from the amount paid by the airline, the coverage hired by ASSIST-CARD will be fully paid up to the amount established within your voucher.
As a complement means that if the total amount established in the ASSIST-CARD product purchased is up to U$S 1200 and the airline paid you for instance U$S 600, the insurance company will pay a maximum of U$S 600; if the airline paid you U$S 200, the Insurance company will pay you U$S 1000, etc.


IMPORTANT: We recommend reading the General Conditions corresponding to each product and especially the kind of coverage each one eventually includes.

Assistance in case of minors left alone

Should you be traveling alone with minor children and must be hospitalized, ASSIST-CARD will either pay for the trip of a relative to take care of the kids or a member of our staff will escort the children back home. On top of this, ASSIST-CARD will provide a professional baby sitter to accompany the children in the very first moments.

Assistance in the event of lost or stolen passport, tickets, etc.

You will be able to print ASSIST-CARD stickers to identify your passport, airline tickets and other documents so that whoever finds them can get in touch with any ASSIST-CARD office free of charge to return them.


Also, our efficient staff will assist you in order to replace lost or stolen tickets or any other travel documents. In the case of credit cards, we will make the reports to the credit card companies. In the case of travel documents, and since the paperwork in consulates and/or police stations is obviously personal, what we will do to help you is to provide the most complete information on the formalities and steps to be taken (requirements, hours of attention, addresses, etc.). We will also contact the travel agency that issued your tickets in order to have these re-issued.

Compensation for expenses arising from delayed or lost luggage

This compensation will allow you to recover the amount you had to spend to purchase basic need items due to delay or loss of a piece of luggage checked into the luggage compartment of a regular airline international flight. In case the product purchased includes a coverage for up to U$S 1200 and ifyou have fulfilled the Insurance Company?s requirements established in the General Conditions, in case the piece of luggage has not been located within 36 hours from the moment ASSIST-CARD has been notified from the airport, the Insurance Company will reimburse up to U$S 200 for expenses for the purchase of first-need items. And if after 10 days from the first call from the airport the luggage has not already been found and you are still traveling with a valid card, you may obtain up to U$S 1000 for the same reason. In case the piece of luggage is found later, it will be delivered to you regardless of the amount that has been paid for compensation.

Concierge services

For instance in case you have a hotel reservation and upon arrival at the hotel, you find out that the hotel did not receive it, you may call the local or nearest ASSIST-CARD Alarm Center and request that our operator finds you a room in any other hotel.
Or if you need any kind of information or advice on local cultural activities, restaurants, shows, sports, excursions, etc.

Early return due to serious disaster at home

In the event of a fire, explosion, theft with damages, etc. at your home, ASSIST-CARD will take care of penalty charges, rate differences or the cost of a new airline ticket for your immediate return.

Hotel expenses due to convalescence

After a hospitalization that has been taken upon by ASSIST-CARD, and in case our Medical Team prescribes mandatory rest once you have been released from hospital, we will reimburse your hotel lodging expenses (without extras) according to the daily and global amounts established for every ASSIST-CARD product.

Indemnity for total loss of a piece of luggage

The Insurance Company pays this indemnity once the piece of luggage has been declared as non-located by the Airline and therefore has paid you the corresponding amount.
According to the ASSIST-CARD product purchased, the Insurance Company pays the corresponding amounts either in addition or as a complement to the amount paid by the airline.


In addition means that, independently from the amount paid by the airline, the coverage hired by ASSIST-CARD will be fully paid up to the amount established within your voucher.


As a complement means that if the total amount established in the ASSIST-CARD product purchased is up to U$S 1200 and the airline paid you for instance U$S 600, the insurance company will pay a maximum of U$S 600; if the airline paid you U$S 200, the Insurance company will pay you U$S 1000, etc.



IMPORTANT: We recommend reading the General Conditions corresponding to each product and especially the kind of coverage each one eventually includes.

Legal aid and advance of funds for bail bonds

We provide legal assistance in case of an accident. For instance, if you rent a car, you may unintentionally cause an accident. In this case, you may be sued for damages. ASSIST-CARD will provide you with legal assistance by putting at your disposal a lawyer to defend you. According to the product you purchased, ASSIST-CARD will either pay for the lawyer?s fees or not.
In these cases, a bail is generally required to obtain conditional freedom: ASSIST-CARD will provide you with a cash advance for bonds up to the amount needed to face this emergency.
In other cases, and whenever the request is legitimate and moral, ASSIST-CARD may provide you access to a lawyer upon request and with fees paid by you. This means that if you committed any illegal action, ASSIST-CARD will not provide any kind of service.
IMPORTANT: We recommend reading the General Conditions corresponding to each product.

Maximum Global Amount (M.G.A.)

All of our services are provided for free up to a maximum amount that depends on the product you purchased and on whether the need of the assistance service arises from an accident of an illness. And in this case, whether the illness is or not preexistent.

Medical assistance

ASSIST-CARD will provide you with essential medical assistance wherever you may be, either organizing a visit to the doctor's office or sending a doctor to the hotel, or an ambulance if required. In case specialized consultation is necessary, we will arrange appointments with qualified specialists in cardiology, surgery, orthopedics, gynecology, pediatrics, ophthalmology, etc. Also we will make the necessary arrangements for clinical studies, X rays, lab analysis as well as we will proceed with hospitalization, if required, at the most-qualified medical center.


These services include all of the medical procedures that may be needed, from lab tests or CT scans to the most complicated surgical operations. And also, in case of a traumatological problem, up to 10 kynesiotherapy sessions.

What must you do in case of an accident or symptoms of an illness?

Simply call our nearest Alarm Center or, should there be any communication problem, any other ASSIST-CARD office. We have over 48, strategically distributed worldwide. And most of them can be accessed through Toll Free lines, that is to say absolutely for free. We are always near our customers.


At that moment, our assistances coordinator will for instance contact any of the physicians belonging to our network and, whenever possible, will send him/her to your hotel or set an appointment at the doctor?s office. In the case of an appointment at the doctor?s office, ASSIST-CARD will pay for the transfer.


Of course not all of our physicians are polyglots. We select them because of their professional skills and not because of the quantity of languages they speak. This is why we cannot always guarantee that the physician will speak your language. In case the physician does not speak your language, you must simply call the ASSIST-CARD Alarm Center and the emergency operator will work as an interpreter between the physician and you.

Medical assistance in case of preexistent illness

ASSIST-CARD has designed some products that include medical assistance in case of preexistent illness and some other that do not include this service. Please thoroughly check about the scope of the services of the product you have purchased.

Medical repatriation

In case of serious illness or an accident, ASSIST-CARD will arrange for the Card Holder 's return to his country of residence. ASSIST-CARD will provide air transportation, specialized equipment and professional intensive care staff required for this medical air evacuation.

Medicines

ASSIST-CARD pays for all the medicines needed to solve the emergency. In many cases we even deliver them. In case we cannot do this, we will reimburse these expenses if possible locally and if not, when you are back home.
IMPORTANT: We recommend reading the General Conditions corresponding to each product.

Odontology

Our services include assistance in case of an acute dental problem. This means those dental problems that, either due to an infection or a trauma, may cause pain.

The procedure is the usual one: you call ASSIST-CARD, our operator sets an appointment at the nearest dental office belonging to our network and then informs you where to go.

Reimbursement of expenses due to delayed or cancelled flight

In case your flight has been cancelled, delayed or although your reservation had been duly confirmed you could not board it, and any of these circumstances imply over 6 hours of delay, you must simply call our local Alarm Center to be authorized and instructed on how to proceed to be reimbursed for food, telephone or other expenses up to the amount established for the ASSIST-CARD product purchased.

Repatriation of remains

ASSIST-CARD will organize and pay for the transportation costs of the repatriation of the mortal remains to the city of residence. We will provide assistance to obtain the necessary legal documents and authorizations for the body repatriation. According to the product purchased, ASSIST-CARD will also coordinate, together with family members and local providers, the necessary preparations of the remains for transportation or proceed with cremation, as well as we will organize transportation and reception at the airport in the country of residence.
IMPORTANT: We recommend reading the General Conditions corresponding to each product.

Return trip

If the card holder is traveling with a ticket with a limited or a fixed date of usage and must return earlier or later due to illness or the death of an immediate family member in hie/her country of residence, ASSIST-CARD will pay the fare difference or provide a new ticket.

Return trip in case of illness of a relative

In case you have traveled with a ticket that does not allow any modification in the flight dates and for instance the day before your return you suffer an accident that makes it impossible to fly back until 5 days later, ASSIST-CARD will, on top of the medical assistance that may correspond, pay for the amount the airline will charge you for this change of return date.
Same happens in case of demise of any close relative (parents, spouse, child, siblings) in your home country: ASSIST-CARD, just as in the previous case, will pay for the tariff difference in order to allow you to travel back home immediately.
It is important to stress that ASSIST-CARD will pay these amounts directly to the Airline and not to you. Therefore, you must always contact ASSIST-CARD in order to have access to this benefit.
IMPORTANT: We recommend reading the General Conditions corresponding to each product.

Sanitary transfer and repatriation

ASSIST-CARD will provide Sanitary Transfer to the most adequate and nearer medical facility in case you must be hospitalized.
In case of a serious accident, and should the local medical structure not be adequate to provide the attention required, ASSIST-CARD has the broadest experience and the know-how needed to perform this operation.This service is called Sanitary Repatriation and is one of the most complex amongst travelers assistance.

This procedure requires intensive professional preparation as well as a huge experience that may be acquired only through practice, since the medical attention has to be provided at a height of around 10.000 mts and in conditions of pressure absolutely different, that require a very specialized oxygen-handling.
Depending on circumstances and distances, these repatriations are performed in the most modern ambulance aircraft or in regular flights. In this last case, an actual ICU is installed within the plane, which makes it necessary to dismount 6 to 9 seats in order to install the equipment and the specifically-designed stretcher.
IMPORTANT: We recommend reading the General Conditions corresponding to each product.

Transfer and accompaniment of minors

Should a Card Holder be travelling alone with minor(s) and must be hospitalized, ASSIST-CARD will provide a professional baby sitter to accompany the minor(s) while a direct family member arrives, at the expense of ASSIST-CARD to take the minor(s) back.

Transfer of a business colleague due to a medical emergency

If you are abroad on a business trip and must remain hospitalized by ASSIST-CARD as the consequence of a serious medical emergency that makes it impossible for you to continue with the objective of your professional trip, ASSIST-CARD will pay for the ticket of the person that your company appoints as your business replacement.

Transfer of a relative

In case you traveled alone abroad and must remain hospitalized for over 10 days, ASSIST-CARD will take upon the cost of a round trip ticket for a relative to keep you company until your recovery.
IMPORTANT: We recommend reading the General Conditions corresponding to each product.

Transmission of urgent messages

In case of an emergency, ASSIST-CARD will inform family members indicated by the Card Holder, matters regarding his treatment and state of health.
IMPORTANT: We recommend reading the General Conditions corresponding to each product.