Ideal for international travelers visiting the U.S., Starting at just $0.733/day
Venbrook Essential Insurance is an affordable Fixed benefit travel medical insurance plan designed for international visitors to the U.S. It provides basic, cost-effective coverage for short-term medical needs, making it one of the cheapest options for travelers who want essential health protection during their stay.
Key Features:Underwritten by Crum & Forster SPC with a rating of A (Excellent) by AM Best Company 2024 is most popular visitor medical insurance among international travelers visiting USA. This plan offers coverage from 5 days to 364 days.
The policy maximum amount of coverage is the total dollar amount of benefits available under the VenbrookEssential plan. Once the maximum is reached, no additional benefits will be paid.
The deductible is the amount the insured must pay before Venbrook Essential insurance starts to cover expenses.
Venbrook Essential insurance has deductible options of :
Age 0 – 69 : $0
Age 89+ : $100 and $200
The cost of Venbrook Essentia insurance starts from $22 and can go up to $293 per month, based on:
Older travelers have higher premiums due to increased medical risk. Choosing a higher maximum increases the premium, while a higher deductible lowers it.
Example: Below is the monthly cost of Venbrook Essential insurance of coverage with a $0 deductible, provided by American Visitor Insurance.
$25,000 |
$50,000 |
$100,000 |
$150,000 |
| Hospital room and board help | |||
| Up to $1,500 per day,30 days | Up to $2,250 per day, 30 days | Up to $2,500 per day,30 days | Up to $3,250 per day,30 days |
| Hospital Intensive Care Unit help | |||
| Up to $2,250 per day, 10 days maximum per annual period | Up to $2,750 per day,8 days maximum per injury/illness | Up to $3,000 per day, 8 days maximum per injury/illness | Up to $4,750 per day, 8 days maximum per injury/illness |
| Inpatient Ancillary Hospital Services | |||
| Maximum per annual period | |||
| Surgical Treatment | |||
| Up to $4,000 per surgical session | Up to $6,000 per surgical session | Up to $7,250 per surgical session | Up to $8,000 per surgical session |
| Anesthesia | |||
| Up to $900 per surgical session | Up to $1,250 per surgical session | Up to $1,500 per surgical session | Up to $2,000 per surgical session |
| Assistant Surgeon | |||
| Up to $900 per surgical session | Up to $1,250 per surgical session | Up to $1,500 per surgical session | Up to $2,000 per surgical session |
| Physician’s Non-Surgical Visits | |||
| Up to $60 per visit, 30 visits per Policy Period | Up to $80 per visit, 30 visits per Policy Period | Up to $125 per visit, 30 visits per Policy Period | Up to $150 per visit, 30 visits per Policy Period |
| Consulting Physician | |||
| Up to $500 per Policy Period | Up to $600 per Policy Period | Up to $650 per Policy Period | Up to $750 per Policy Period |
| Private Duty Nurse | |||
| $500 per Incident | $600 per Incident | $650 per Incident | $750 per Incident |
| Pre-Admission Test within 7 days of Admission | |||
| $1,250 per Incident | $1,375 per Incident | $1,500 per Incident | $1,750 per Incident |
$25,000 |
$50,000 |
$100,000 |
$150,000 |
| Outpatient Surgery | |||
| $4,000 per Incident | $6,000 per Incident | $7,250 per Incident | $8,000 per Incident |
| Physician Visit | |||
| Up to $60 per visit, 1 per day, 30 visits maximum | Up to $80 per visit, 1 per day, 30 visits maximum | Up to $110 per visit, 1 per day, 30 visits maximum | Up to $150 per visit, 1 per day, 30 visits maximum |
| Virtual Visit / Telemedicine | |||
| Included | |||
| Urgent Care / Walk-in Clinic | |||
| Up to $60 per visit, 1 per day, 30 visits maximum | Up to $80 per visit, 1 per day, 30 visits maximum | Up to $100 per visit, 1 per day, 30 visits maximum | Up to $150 per visit, 1 per day, 30 visits maximum |
| Emergency Room - All Expenses Incurred | |||
| $400 per injury/illness. Extra $250 deductible fo rillness visit that does not result in hospital admission. | $600 per injury/illness. Extra $250 deductible fo rillness visit that does not result in hospital admission. | $750 per injury/illness. Extra $250 deductible fo rillness visit that does not result in hospital admission. | $750 per injury/illness. Extra $250 deductible fo rillness visit that does not result in hospital admission. |
| Prescription Drugs | |||
| Up to $250 per annual policy period, maximum of 90 days per prescription | Up to $400 per annual policy period, maximum of 90 days per prescription | Up to $400 per annual policy period, maximum of 90 days per prescription | Up to $500 per annual policy period, maximum of 90 days per prescription |
| Diagnostic X-rays & Lab Services | |||
| Up to $500; up to $750 for on CAT scan, PET scan, or MRI per injury/illness | Up to $750; up to $900 for on CAT scan, PET scan, or MRI per injury/illness | Up to $900; up to $1,100 for on CAT scan, PET scan, or MRI per injury/illness | Up to $1,100; up to $1,300 for on CAT scan, PET scan, or MRI per injury/illness |
| Anesthesia | |||
| $900 per surgical session | $1,250 per surgical session | $1,500 per surgical session | $2,000 per surgical session |
| Assistant Surgeon | |||
| $900 per surgical session | $1,250 per surgical session | $1,500 per surgical session | $2,000 per surgical session |
| Benefit Period | |||
| We will pay eligible medical expenses for up to 180 days beginning on the first day of diagnosis or treatment of a covered Sickness or Injury while a covered person is outside their home country | |||
$25,000 |
$50,000 |
$100,000 |
$150,000 |
| Covid-19 Expenses | |||
| Covered and treated as any other Sickness | |||
| Acute Onset of a PreExisting Condition | |||
| Up to policy maximum | Up to policy maximum | Up to policy maximum | Up to policy maximum |
| Cardiovascular Event Sub-Limit | |||
| $15,000 | $25,000 | $25,000 | $25,000 |
| Dental Treatment for Injury to sound natural teeth | |||
| Up to $650 per annual period | Up to $850 per annual period | Up to $850 per annual period | Up to $850 per annual period |
| Mental or Nervous Disorder & Substance Abuse treatment | |||
| $5,000 per Incident | $5,000 per Incident | $5,000 per Incident | $5,000 per Incident |
| Chemotherapy or radiation therapy | |||
| Up to $1,100 | Up to $1,100 | Up to $1,225 | Up to $1,350 |
| Physiotherapy Physical Medicine/Chiropractic Expenses | |||
| Limited to $50 per visit, one visit per day and 12 visits per Policy Period | Limited to $55 per visit, one visit per day and 12 visits per Policy Period | Limited to $65 per visit, one visit per day and 12 visits per Policy Period | Limited to $75 per visit, one visit per day and 12 visits per Policy Period |
| Initial Orthopedic Prosthesis/brace | |||
| Up to $1,250 | Up to $1,500 | Up to $1,250 | Up to $2,000 |
| Medical Evacuation Sub-Limit | |||
| Up to $25,000 maximum limit | |||
| Well Doctor Visit | |||
| $250 for one visit. Minimum initial purchase of 30 days. Must occur within first 14 days from effective date. | |||
| Ambulance Services | Up to $750 per injury/illness |
| Emergency Medical Evacuation | Up to $100,000 |
| Medically necessary repatriation | Up to $25,000 |
| Repatriation of Remains | Up to $25,000 |
| Emergency Reunion | $500 per Policy Period |
| Natural Disaster Evacuation | $15,000, maximum of 15 days |
| Return of Minor Children or Grand Children* | Up to $2,250 per day for up to 10 days |
| Local Burial/Cremation | Up to $5,000 maximum limit |
| AD&D - Common Carrier | $25,000, maximum $125,000 per family or group |
Our support team is ready to assist you.
American Visitor Insurance has developed comparison tools to help travelers compare prices and benefits of different Venbrook Essential plans and to make an informed decision of the best Venbrook Essential travel insurance plan for your specific requirements. American Visitor Insurance's licensed customer support staff help customers by providing answers to any queries while buying Venbrook Essential travel insurance. The customer support staff are available at all times to help you with the online application process and to extend the travel insurance or even cancel the plan if travel plans change. American Visitor Insurance’s staff can also help customers while filing for any insurance claims if needed
To file a claim with Venbrook Essential, follow these steps:
Download Form
Get claim form online
Call Support
888-207-1694
Email Help
VenbookTravel@RobinAssist.com
Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.
To buy the VenbrookEssential 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 VenbrookEssential travel insurance online with a credit card on American Visitor Insurance.This can be done without the need of any paperwork or medical exam.
VenbrookEssential Insurance is available only for non-citizens coming to the USA or USA and other countries.
No. This plan offers coverage for acute on set of pre-existing conditions up to 70 years of age.
Yes. Venbrook Essential have $25 cancellation fee after the effective date.
No.
Yes, Venbrook Essential covers heart attacks and other cardiac emergencies as part of its full pre-existing condition coverage, which applies to insureds up to age 99. Eligible treatment related to pre-existing heart conditions is included, subject to the plan’s policy limits and deductible.
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