When traveling to the USA as an international visitor, having the right medical insurance is crucial. Venbrook offers two popular visitor insurance plans: Venbrook Basic and Venbrook Premier. Both plans provide essential medical protection during your stay in the U.S., but they differ in terms of coverage limits, benefits, and pricing.
| Benefits | Venbrook Basic | Venbrook Premier |
|---|---|---|
| Policy Maximum | $50,000, $100,000, $250,000, $500,000, $1,000,000 | $50,000, $100,000, $250,000, $500,000, $1,000,000 |
| Deductible Options | $0, $100, $250, $500, $1,000, $2,500 and $5,000 | $0, $100, $250, $500, $1,000, $2,500 and $5,000 |
| Coinsurance | The plan pays 80% up to $10,000, then 100% to the selected medical maximum. | The plan pays 100% up to medical maximum. |
| Length of coverage | 5 days to 12 months | 5 days to 12 months |
| Coverage type | Secondary | Primary |
| Pre-existing Conditions | ||
| Pre-existing Conditions | Does not cover acute onset of pre-existing conditions | Covers acute onset of pre-existing conditions up to 70 years. |
| Cardiovascular Event | Not available | Up to policy maximum for ages 0-64; $25,000 for ages 65-69; $15,000 for ages 70+. |
| Medical Benefits | ||
| Urgent Care Clinic | $50 copay | $30 copay |
| Dental Treatment | Up to $150 | Up to $300 |
| Physician’s Surgical Visits | Up to the maximum limit | Up to the maximum limit |
| Emergency Eye Exam | Up to $50 | Up to $150 |
| Wellness Doctor Visit | Not Available | Up to $250 |
| Evacuation Benefits | ||
| Emergency medical evacuation | Up to $500,000 | Up to $1,000,000 $25,000 maximum limit per policy period for Acute Onset of a Pre-existing Condition. |
| Local Burial / Cremation | $5,000 per policy period | $5,000 per policy period |
| Return of minor children | $50,000 per policy period | $50,000 per policy period |
| Accidental Death & Dismemberment (AD&D) | $2,500 per policy period | $10,000 per policy period |
| Trip Interruption | $50 copay | $30 copay |
| Optional Benefits | Athletic sports coverage, AD&D, return to home coverage | Athletic sports coverage, AD&D, return to home coverage |
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The Venbrook Basic and Venbrook Premier travel insurance plans are priced based on several factors, including the traveler’s age, chosen plan maximum, and deductible. Venbrook Basic costs range from $39 to $291 per month, while Venbrook Premier ranges from $49 to $775 per month. In both plans, premiums are generally higher for senior travelers due to increased healthcare risks. Choosing a higher plan limit increases the premium, whereas selecting a higher deductible lowers the premium.
For both plans, travelers up to age 64 can choose coverage limits of $50,000, $100,000, $250,000, $500,000, or $1,000,000. Those aged 65 to 69 can opt for $50,000, $100,000, or $250,000, and travelers aged 70 to 79 can select either $50,000 or $100,000. Additionally, only Venbrook Premier offers a $20,000 limit for travelers aged 80 to 89.
For Example here we are showing monthly premium costs for each plan using a $250 deductible for comparison.
For senior travelers aged 80 to 89, the cost of Venbrook Premier is $775 per month, with a maximum coverage of $20,000 and a deductible of $250.
What are the requirements for purchasing VenbrookBasic Visitor insurance?
To buy the VenbrookBasic insurance, you will need the travel dates and passport details of the traveler.This will include the name of the traveler, the date of birth, the passport number and the travel dates.
Who is eligible to buy Venbrook Basic insurance?
Venbrook Basic is available for non-US citizens and foreign residents visiting the USA or traveling outside their home country, from 14 days to 79 years of age. It is not available to US citizens or permanent US residents.
Does Venbrook Basic cover pre-existing conditions or COVID-19?
No, Venbrook Basic does not cover pre-existing conditions, including the acute onset of pre-existing conditions, cardiovascular events, or COVID-19
How do I purchase VenbrookBasic travel insurance?
You can get the quotes and make an instant purchase of VenbrookBasic travel insurance online with a credit card on American Visitor Insurance.This can be done without the need of any paperwork or medical exam.
Can US citizens buy Venbrook Basic Visitor insurance?
VenbrookBasic Insurance is available only for non-citizens coming to the USA or USA and other countries.
Does Venbrook Basic insurance have a cancellation fee?
Yes. Venbrook Basic have $25 cancellation fee after the effective date.
How do I file a claim?
Claims must be submitted within 90 days of the date of service. You need to request a claim form by emailing VenbrookTravel@RobinAssist.com, attach itemized bills and passport copies, and send the completed form to the same email. For questions, call 877-340-7910.
Does Venbrook Basic insurance covers Adventure sports?
Yes. Provides coverage up to the maximum as stated in the Schedule of Benefits if the Covered Person suffers an Injury due to an Accident while performing, practicing, or participating in Adventure Activities, Mountaineering, or Rock Climbing.
To buy the VenbrookPremier insurance, you will need the travel dates and passport details of the traveler.This will include the name of the traveler, the date of birth, the passport number and the travel dates.
You can get the quotes and make an instant purchase of VenbrookPremier travel insurance online with a credit card on American Visitor Insurance.This can be done without the need of any paperwork or medical exam.
VenbrookPremier Insurance is available only for non-citizens coming to the USA or USA and other countries.
Yes, This plan offers coverage for acute on set of pre-existing conditions up to 70 years of age.
Yes, cardiovascular events are covered up to the policy maximum for ages up to 64, $25,000 for ages 65-69, and $15,000 for ages 70 and over
Yes, one wellness doctor visit is covered up to $250 if the initial coverage purchase is at least 30 days and the visit occurs within the first 21 days of coverage.
Yes. Venbrook Premier have $25 cancellation fee after the effective date.
Yes. Covers up to $50,000 policy maximum and Provides coverage up to the maximum as stated in the Schedule of Benefits if the Covered Person suffers an Injury due to an Accident while performing, practicing, or participating in Adventure Activities, Mountaineering, or Rock Climbing.
Both Venbrook Basic and Venbrook Premier provide valuable visitor medical insurance options tailored to different traveler needs. Assess your health situation, travel plans, and budget to select the plan that offers the right balance of coverage and cost. For comprehensive protection with higher limits and pre-existing condition coverage, Venbrook Premier is the preferred choice. For essential coverage at a lower cost, Venbrook Basic is a solid option.
