Venbrook Essential Insurance for USA & Intl.
Venbrook Essential Insurance is a fixed-benefit travel medical plan for visitors to USA or USA/abroad, purchase visitor medical coverage from 5 days up to 1 year, includes Covid-19 and acute-onset of pre-existing conditions. Extendable without lapse in coverage.
COVID-19 / SARS-CoV-2 / Coronavirus Venbrook Essential Insurance includes coverage for testing/treatment of COVID19 just as any other covered disease/condition.
Venbrook Essential Insurance is a low-cost fixed benefit medical coverage plan that is specifically suited for non-citizens visiting the United States or anyone traveling outside home country to the USA and other countries. This scheduled benefit coverage plan is a lower cost fixed solution for your medical and travel-related emergency needs. Venbrook Essential plan is available to individuals and families, who are 89 years or younger by age. Venbrook Essential plan is even available for tourist groups traveling outside of their home country while visiting USA or traveling to the United States and worldwide. Coverage duration is a minimum of 5 days up to a maximum of 364 days (1 year). This policy includes coverage for Acute Onset of Pre-Existing Conditions.
VenbrookEssential Insurance is an ideal medical policy suitable for health emergencies for relatives or parents visiting USA. Within the PPO network, the plan pays 100% up to the policy maximum after the deductible is met. Outside of the PPO network, the plan pays 80% for the first $5,000, and then 100% thereafter. Outside the USA, plan pays 100% towards eligible covered expenses for each sickness or injury.
Venbrook Essential is a visitor insurance policy that can be initially purchased for a minimum of 5 days up to a maximum of 364 days, the coverage may be extended or renewed without lapse in coverage. Review the plan brochure for the summary of benefits to understand both insurance and non-insurance benefits included, and the policy certificate has the complete description of all of the terms, conditions, and exclusions.
- Quote and Buy Venbrook Essential Insurance online, instant ID cards and proof of coverage.
- Review the Venbrook Essential Insurance Brochure for plan summary of benefits.
- Review the Venbrook Essential Insurance Certificate for policy details and exclusions.
Venbrook Essential Insurance plan is offered and administered by Venbrook Insurance Services, the policy is underwritten by Crum & Forster, SPC, rated A (Excellent) by A.M. Best.
Venbrook Essential Insurance Review
Low-Cost Travel to USA & Intl. COVID-19
Notes: Designed for the budget-minded traveler option with offering basic necessary fixed-benefit coverage (Covid-19 included) for visitors to the USA and abroad, includes acute-onset pre-existing condition benefits. Robust policy claims handling and extendable coverage.
Eligibility: Any foreign resident individuals and/or family, visiting the USA and worldwide, up to the age of 89 years.
Coverage Duration: Minimum of 5 days to maximum of 1 year (364 days)
Amounts:
- Member maximum limits: $50K to $1 million
- Choice of deductible: $0 to $5000
- AD&D benefit: $25K (included)
PPO Network: For treatment received within USA, plan uses MultiPlan Preferred Provider Organization (PPO) network, save costs as NO co-insurance applies when you stay within the Venbrook Insurance PPO network to consult a doctor or hospital for medical care.
Renew or Extend: Plan renewable to total of 364 days, process extension prior to expiration date of policy.
Other Highlights
- Foreign nationals visiting the USA
- Sickness/injury plans for visitors to America
- Acute-onset of pre-conditions included
- Covid-19 treated as any other sickness
- Quote & purchase online for single trip
- Optional Riders: Athletic sports, Return to Home
Venbrook Essential Travel Insurance
Venbrook Essential Insurance is available for non-U.S. citizens who are visiting the United States, or foreign nationals while traveling to the USA and other countries outside home country. Coverage is suitable both for business or leisure travelers to the U.S., international tourists, individuals or family who are on a holiday to America.
Venbrook Essential Insurance Overview
Venbrook Essential Insurance plan review and highlights of coverage. VenbrookEssential travel medical insurance policy highlights are as follows:
- Eligiblity: Foreign residents visiting the USA and worldwide, up to the age of 89 years.
- Maximum coverage for up to $150,000 in accident and sickness medical expenses.
- Coverage from 5 days to 364 days; renew uninterrupted policy to extend expiration dates up to 1 year (12 consecutive months).
- Wide network of doctors or hospitals available in the PHCS/MultiPlan PPO Network
- Acute Onset of Pre-Existing Conditions covered
- Not available to US Citizens, US Residents or US green card holders
- Covered en-route to USA and in countries during travel
- Premium Rates, please use the quote buy link to generate an online quote for plan rates.
Venbrook Essential Insurance Plan Details
This is a brief summary of the features available in Venbrook Essential plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. Limitations and exclusions apply. Please refer to the plan certificate for more details.
| Plan Name | Venbrook Essential |
| Quote & Buy Online | Buy Venbrook Essential Insurance |
| Renew Coverage Online | Venbrook Essential Insurance plan is renewable up to 364 days, if the policy is not lapsed and currently active. |
| Review Plan Brochure | Venbrook Essential Visitor Insurance Brochure |
| Coverage Period or Duration | Coverage period minimum length of 5 days to maximum of 364 days (nearly 12 months or 1 year) |
| Benefit Period | 180 days (amount of time you have from the date of your injury/illness to receive treatment). |
| Policy Maximum | Choice of Maximums: $50,000, $100,000, $250,000, $500,000, or $1,000,000 USD Per Policy Period. ($20,000 for ages 80+) |
| Deductible Options |
Choice of Deductibles: $0, $100, $250, $500, $1,000, $2,500, $5,000. |
| Co-Insurance: | Inside the USA, after deductible, plan pays 100% up to the Policy Maximum. Outside of the USA, plan pays up to 100% up to the Plan Maximum. |
| Well Doctor Visit: | Pays up to $250 One Visit per person per policy period. The Well Doctor Visit must occur within the first 21 days from the effective date of coverage. To be eligible you must purchase at least 30 days of coverage initially. |
| Urgent Care Co-Pay: |
$30 copay if the $0 deductible is chosen |
| Emergency Room: | $200 Co-pay applies for Emergency Room (ER) use for Illness without direct Hospital Admission. Emergency Room Injury/Accident or Illness with direct Hospital Admission: Usual customary charge to the selected Medical Maximum. |
| Hospital Room & Board Expense: |
The average semi-private room rate |
| Emergency Medical / Hospitalization | Hospital/ICU Room & Board Charge covered 100% up to Policy Maximum. Includes coverage for Ambulance up to 100% of Policy Maximum. $200 Additional deductible per visit Waived if care in an Emergency Room results in a hospital admittance |
| Doctor / Physician Visit | 100% Outpatient Medical and Telemedicine is also covered. |
| Labs and Diagnostics | covered 100% up to Policy Maximum
X-rays and labs must be ordered by the physician. |
| Prescription Drugs / Medicines | covered 100% up to Policy Maximum
Ongoing prescriptions prior to purchase of policy will not be covered. |
| Emergency During Pregnancy | Emergency Medical Treatment of Pregnancy up to $1,000 (subject to Out of Network Deductible) |
| Mental or Nervous Disorders | covered up to $2,500
Chronic conditions will not be covered. |
| Physical Therapy | Physiotherapy, Physical Medicine or Chiropractic covered up to $50 per visit per day (10 visits) Must be ordered by attending physician. Usual Reasonable and Customary. |
| Dental Treatment | covered up to $250. Sudden Dental Pain (Acute, spontaneous and unexpected) |
| Emergency Medical Evacuation | 100% (Not Subject to the Deductible) |
| Political/Natural Disaster Evacuation | $25,000 (Not Subject to the Deductible) |
| Repatriation of Mortal Remains | 100% (Not Subject to the Deductible) |
| Local Burial/Cremation | $5,000 (Not Subject to the Deductible) |
| Emergency Reunion | $15,000 (Not Subject to the Deductible) |
| Return of minor Child(ren) | $5,000 (Not Subject to the Deductible)
Applies to Travel Companion also |
| Trip Interruption | $5,000 per policy period (Not Subject to the Deductible) |
| Loss of Checked-in Baggage | Lost Baggage up to $250 (Not Subject to the Deductible) |
| Primary insurance | Venbrook Essential is a Primary Insurance plan A Secondary insurance plan just fill gaps found in coverage benefits in the Primary plan. In comparison, a Primary Insurance plans pays immediately for an unexpected injury/illness that is not an exclusion, without any verification made, whereas in a secondary plan, this check is done. |
| Pre-Existing Conditions | Acute Onset of a Pre-Exisiting Condition included in coverage. Acute Onset of a Pre-Exisiting Condition: For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Period of Coverage except for any coverage related to cardiac disease or conditions, which will be limited to $25,000 up to and including age 69 and $15,000 for ages 70 and above. Upon attaining age 70 Acute Onset benefits will be reduced to a Maximum of $35,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Provides coverage for an Acute Onset of a Pre-Existing Condition. Any repeat recurrence within the same policy period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage. A Pre-Existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset. This benefit covers only ONE (1) Acute Onset episode of a Pre-Existing condition. Sudden and Acute Onset of a Pre-Existing Condition Coverage expires upon medical advice that the condition and Onset is no longer acute or you are discharged from a medical facility. Please see certificate for more details. |
| Accidental Death &: Dismemberment (AD&D) | Included maximum $25,000 (Not Subject to the Deductible) Optional AD&:D Upgrades: $50,000, $100,000, $250,000, or $500,000 1. $50,000 – $0.25 per day – All Ages 2. $100,000 – $0.50 per day – Ages 19-79 3: $250,000 – $1.75 per day – Ages 19-69 4: $500,000 – $4.00 per day – Ages 19-69 Additional costs apply for optional add-on. |
| Return to Home Coverage | Optional Upgrade: Maximum $50,000, Up to 60 days prorated, 1.10 x the daily base plan rate. Provides coverage for injury or sickness that occurs during an incidental trip to back to your home country or for covered expenses incurred in your home country for conditions first diagnosed outside your home country and treated during your policy period. You must purchase 30 days of coverage to add this benefit. |
| Athletic Sports Coverage | Optional Upgrade: Some hazardous sports covered, 1.20 x the daily base plan rate + monthly Sports Class rate. Class 1 Sports: Rate $0 per month (Archery, Tennis, Swimming, Cross Country, Track, Volleyball & Golf) Class 2 Sports: Rate $26 per month (Ballet, Basketball, Cheerleading, Equestrian, Fencing, Field Hockey, Football (no division 1), Gymnastics, Hockey, Karate, Lacrosse, Polo Rowing, Rugby & Soccer) Provides coverage for injuries incurred during amateur, Club, Intramural, Interscholastic, Intercollegiate activities such as archery, tennis, swimming, cross country, track, volleyball golf, ballet, basketball, cheerleading, equestrian, fencing, field hockey, football (no division 1), gymnastics, hockey, karate, lacrosse, polo, rowing, rugby and soccer. Any athletic sport not listed is excluded from this policy unless the activity is non- contact and engaged in by you solely for leisure, recreation, entertainment, or fitness purposes only. |
| Exclusions & Limitations | Exclusions apply, see Exclusions & Limitations section in plan certificate for details |
| Pre-certification Requirements | See pre-certification section in plan certificate for details, pre-certification does not guarantee benefits. |
| Claims & Reimbursement | Submit the completed claim form and file along with the itemized medical bill/s to the plan administrator within 90 days Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determine it is an eligible expense Claim payments can be converted to a currency of your choice |
| Cancellation & Refund | Before coverage start date, full plan cost refunded After coverage start date, the unused portion of your plan cost is refunded minus a cancellation fee of $10, if no claims filed under the policy already Note: A written (email) request along with the requiste cancellation form filled ans signed is required. |
| Other Details |
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| Worldwide Assistance | 247/365 Emergency Assistance service included, contact phone number provided on the back of ID card. |
| Plan Administrator | Venbrook International handles all policy administration services |
| Claims Administrator | Venbrook International handles all claims administration services |
| Insurance Underwriter | Underwritten by Crum & Forster, SPC. |
| Ratings of Insurance Company | A.M. Best: “A” (Excellent) and Standard & Poor’s: “A+” (Strong) |
| Quote & Buy Online | Venbrook Essential Insurance Quote |
THIS IS A LIMITED BENEFIT POLICY. The insurance described in this document provides limited benefits. Limited benefits plans are insurance products with reduced benefits intended to supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.
Disclaimer: The information provided on this page is only a summary of the Venbrook Basic Insurance plan, be sure to read the plan brochure for complete details. Also review the policy certificate to view the Description of Coverage, Exclusions,
The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan.
All coverages and plan costs are shown in U.S. Dollar amounts and are per person and per period of coverage unless otherwise noted.
To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by the plan claims administrator.
Venbrook Essential Insurance - Plan Brochure
Review the Venbrook Essential Visitor Insurance brochure which includes the high level summary of benefits and coverage.
- Plan Brochure: Venbrook Essential Visitor Insurance Brochure
Venbrook Essential Insurance - Certificate Description of Coverage
Review all the Venbrook Essential Visitor Insurance policy details in the master certificate of coverage wording below:
- Certificate of Insurance: Venbrook Essential Insurance Certificate
Venbrook Essential Insurance PPO Network
Venbrook Essential Insurance has an extensive USA based and international PPO network of doctors, hospitals, diagnostic labs, and other caregivers. The plan uses the third-party PHCS/MultiPlan PPO network for caregivers and providers, both for care inside USA and outside America.
- Provider Network: Search and find doctors, hospitals, labs, and other providers within the Venbrook Insurance PPO Network to save on out-of-network charges which is typically incurred outside the network.
Venbrook Essential Insurance - Quote/Buy Online or Apply
Quote, apply and buy the Venbrook Essential Insurance policy securely and instantly online.
- Quote/Buy Online: Get instant quote & Buy Venbrook Essential Insurance coverage online.
Venbrook Essential Insurance - Renew/Extend Coverage
Venbrook Essential visitor insurance coverage duration can be extended as plan is renewable, you can extend the policy coverage dates up to a total duration of 364 days, as long as the policy has NOT lapsed or expired.
Renew Policy:
- Extend the Venbrook Essential Insurance plan coverage dates using on the Venbrook Insurance Client Resources page.
Venbrook Essential Insurance - Claims
Download and submit the claims form along with for detailed information including receipts for all medical bills for review and processing. You can also check the status of your claim online.
- Claims: Download the Venbrook Essential Insurance Claims form and online submission of claims is available on the Venbrook Insurance Client Resources page.
Venbrook Essential Cancellation & Refund Rules
Below are the rules pertaining to cancellation of the policy and refund of premium.
- Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
- Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.
Venbrook Essential Insurance Plan FAQ
Below are some of the questions frequently asked with the VenbrookEssential plan:
Who is Eligible to Buy the Venbrook Essential plan?
Foreign Nationals Visiting USA or Traveling to the USA and Worldwide
Venbrook Essential Insurance is a visitors insurance policy that foreign residents up to the age of 89 years can buy for a coverage duration of 5-364 days while visiting USA or traveling to the United States and other countries.
Is the Venbrook Essential Renewable Coverage?
Renew Policy to Extend Coverage Dates up to 364 days
Venbrook Essential Insurance plan can be initially purchased for a minimum of 5 days up to a maximum of 364 days, the coverage may be extended or renewed without lapse in active coverage.
Can US Citizens or Green Card Holders Buy Venbrook Essential Insurance?
US Citizens and Green Card Holders Living/Visiting USA Not Eligible
Venbrook Essential Insurance plan is NOT available to US Citizens (even expatriates living abroad), US Residents (US green card holders in the USA) or even US green card holders traveling to the USA.
What are some of the claims handling guidelines with the Venbrook Essential plan?
Venbrook Essential Insurance plan claims handling guidelines
Venbrook Essential Insurance plan guidelines for the different conditions as listed below:
Diabetes and Acute Onset of pre-existing conditions:
Diabetes is considered a chronic condition, which means most insurance companies can deny claims it if it’s listed as a pre-existing condition in your medical records. This is even if the traveller experiences an acute event (like a diabetic coma), the claim might be denied.
However, VenbrookEssential has a special rule for acute onset of chronic conditions. If a diabetic event happens suddenly and requires immediate care, it might still be covered under certain conditions, depending on factors like age and the specifics of the event.
Heart Attack or Stroke:
A heart attack or stroke is always treated as an emergency and is not considered a pre-existing condition. These events require immediate medical care, and many people who experience them take medications for conditions like high blood pressure, heart disease, or high cholesterol. Other insurance companies may deny claims if they see that the person is on medication for a pre-existing condition.
VenbrookPremier uses the blow guidlines for Heart Attack or Stroke coverage:
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- If someone has high blood pressure (or another chronic condition) but their condition is under control (meaning they have been following their prescribed treatment), Venbrook will cover the heart attack or stroke
- If the person’s condition was not controlled, then the claim will be looked at under a chronic disease exclusion.
If the person has no pre-existing conditions (they aren’t on any medication for chronic health issues), the event will be covered as a cardiovascular event (not an acute onset, since there was no pre-existing condition).
When can an Acute Onset of pre-existing conditions claim be denied?
An acute onset claim could be denied in these situations:
- If the event happens within the first 48 hours after the policy starts.
- If the person doesn’t seek treatment within 24 hours of the event.
- If the person doesn’t follow their prescribed treatment, like not taking medication.
- If the person goes against their doctor’s advice, for example, leaving the hospital against medical orders or trying to run a marathon after being told not to.
The Venbrook Essential policy is designed to fairly cover claims related to acute onset conditions, as long as the situation meets specific guidelines as noted above.
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