Visitors Care Lite Vs Venbrook Essential: A Detailed Comparison 

When comparing travel medical insurance plans, two options that often come up are Visitors Care Lite and Venbrook Essential. Both are fixed-benefit plans tailored for non-US citizens visiting the US or traveling abroad. While they share similarities in coverage duration and eligibility, they differ in policy maximums, network structures, and additional benefits. This detailed comparison will help you make an informed decision based on your specific needs. 

Table of Contents: 

• Visitors Care Lite- Plan highlights 
• Venbrook Essential- Plan highlights 
• Visitors Care Lite Vs Venbrook Essential: A Detailed Comparison 
• FAQs 
• Conclusion 

Visitors Care Lite- Plan highlights 

Visitors Care Lite is a fixed-benefit plan available to non-US citizens and residents visiting the US. The plan offers predefined limits for medical expenses related to injuries and illnesses, including hospitalization, surgery, doctor visits, and prescriptions up to a certain limit. It also includes coverage for evacuation and repatriation. Coverage is provided within the United States. 

The plan highlights: 

• Policy maximum of $25,000 
• Deductible options:  $0, $50, $100 
• Covers acute onset of pre-existing conditions up to $25,000 per coverage period. 
• Emergency Medical Evacuation up to $25,000 per coverage period. 
• Covers  up to $40 max per visit/10 visits maximum for Urgent Care/Walk-in clinics. 
• Dental Accidents up to $550 maximum per period of coverage. 
• Prescription drugs up to $250 maximum per period of coverage. 
• Return of Mortal Remains up to $25,000 max with $5,000 max for cremation/burial. 

Venbrook Essential- Plan highlights 

Venbrook Essential is a leading travel medical insurance plan, specifically tailored for non-citizens who reside outside the USA. Coverage includes travel outside the home country to visit the United States or any combination of the United States and other countries worldwide. The plan is available for up to 89 years of age. 

The plan highlights: 

• Coverage for up to $150,000 in accident and medical expenses. 
• Covers Doctor Wellness Benefit 
• Deductible options: $0, $100, $200 
• Physician visits are from $60 to $150 per visit, up to 10 visits maximum (30 for the $25,000 plan). 
• Prescription drugs options from $250 to $500 per annual policy period, maximum of 60 to 90 days depending on the chosen policy maximum. 
• Includes coverage for Acute Onset of Pre-Existing Conditions. 
• Covers Cardiovascular Events with sub-limits ranging from $15,000 to $25,000. 

Visitors Care Lite Vs Venbrook Essential: A Detailed Comparison 

Category	Visitors Care Lite	Venbrook Essential
Plan type	Fixed	Fixed
Benefits	Covers up to $25,000 for inpatient and outpatient services, acute onset of non-chronic pre-existing conditions, urgent care, intensive care unit, specialist consultation, doctor’s visit, medical evacuation, repatriation, COVID-19, and more. (Options for Plus and Platinum available)	Coverage for up to $1,000,000 in accident and sickness medical expenses, Emergency Medical Evacuation and Medically Necessary Repatriation, Repatriation of Mortal Remains or Local Burial| Doctors Wellness Benefit, Acute onset of Pre-existing conditions
Eligibility	Non-US residents and citizens	Non-US residents and citizens
Underwriter	Sirius Point Specialty Insurance Corporation	Crum & Forster SPC
PPO	First Health Network	PHCS network
Policy Maximum	$25,000 maximum per illness/injury (Visitors Care has options for Plus and Platinum)	Options: $25,000, $50,000, $100,000, and $150,000
Deductible	$0, $50, and $100	Ages 0-69: $0, Ages 70-89: $100, $200
Coverage Days	5 days up to 2 years	5 days up to 364 days
Provider	International Medical Group	Venbrook Insurance Services
Ratings	A.M. Best Rating: A –	A.M. Best Rating: A
Brochure	View	View
Plan page	View Plan Page	View Plan Page
Plan features
Hospital room and board	Up to 30 days maximum per period of coverage with sub limits of up to $825 max per day	Up to $1,500 to $3,250 per day up to 30 days depending on the chosen policy maximum
Intensive Care Unit	Up to an additional $400 max per day,8 days maximum coverage per period	Up to $2,250 to $4,750 per day up to 8-10 days maximum depending on the chosen policy maximum
Physician Visit	$40 max per visit, 30 max visits per period of coverage	Up to $60 per visit up to $150 per visit, 10 to 30 visits per policy period depending on the chosen policy maximum
Surgery	Up to $2,000 max per surgical session	Up to $4,000 to $8,000 per surgical session depending on the chosen policy maximum
Local ambulance	Up to $250 max per period of coverage	Up to $750 per injury/illness
Acute onset of pre-existing conditions	$25,000 max per coverage period	Up to the chosen policy maximum. Medical evacuation sub-limit is $25,000 for all chosen policy maximum.
Dental accident	$550 maximum per period of coverage	Up to $650 to $850 per annual period depending on the chosen policy maximum
COVID-19	Covered as any other illness	Covered as any other illness
Emergency Medical Evacuation	Up to $25,000 max	Up to $100,000
Repatriation of remains	$25,000 max; $5,000 max for cremation /burial for all three plans	$25,000
Terrorism	$50,000 maximum per period of coverage	Not covered
Common Carrier Accidental Death	$25,000 max per period of coverage	$25,000, maximum; $125,000 per family or group
Incidental trip	14 days (about 2 weeks) maximum	Included

FAQs 

Visitor Care Lite 

1. Who can buy a Visitors Care Lite plan?  

Visitors Care Medical Insurance is available to non-US citizens or non-US residents who are visiting the US. The plan is not available to US Citizens, US Residents, or Green Card holders permanently living in the US.  To be eligible and qualified for coverage under this insurance, a person must meet all the following requirements:  

•  (1) not be a Habitual Resident of the United States   
• (2) not be a citizen of the Destination Country   
• (3) be at least fourteen (14) days old and less than seventy-nine (79) years of age   
• (4) complete and sign an Application as the Insured Person (or be listed thereon by proxy as an applicant and proposed Insured Person), and/or as the Insured Person’s Spouse, Child, and/or Grandchild  

2. What is the Crisis Support coverage the plan offers? 

Visitors Care Lite includes coverage for  Emergency Medical Evacuation, Emergency Local Ambulance, Return of Mortal Remains, and Terrorism. 

3. Can the plan be extended? 

Visitors Care Lite plans can be purchased for up to a 12-month period and can be extended to 24 continuous months. 

Venbrook Essential 

1. What is the co-insurance for this plan? 

After the deductible has been met, Venbrook Essential covers the pre-defined limits for each benefit. 

2. What is the eligibility for this plan? 

This plan provides coverage to non-US citizens who reside outside the US and are traveling outside of Their Home Country to visit solely the US, or to visit a combination of the US and other countries worldwide. This Policy is not available to anyone age 90 or above. Also, it is not available to any individual who has been residing within the US for more than 365 days (about 12 months) prior to their Effective Date. 

3. Does it offer Travel Assistance Services? 

24-hour travel assistance services are provided by Robin Assist. This plan includes both insurance and non-insurance benefits. 

Conclusion 

Both Visitors Care Lite and Venbrook Essential offer valuable fixed-benefit coverage for international travelers, each catering to unique needs and preferences. Carefully consider your travel plans, health requirements, and budget to choose the plan that best aligns with your needs.