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Venbrook Essential Insurance
- Who: Venbrook Essential is affordable limited benefit travel insurance designed for non-US citizens who reside outside the USA. Coverage includes travel outside of Your Home Country to visit the United States or any combination of the United States and other countries worldwide. It is available to anyone up to age 89. This Policy is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date.
- What: The plan covers accident and sickness medical expenses with pre-defined limits, some coverage for unexpected recurrence of a pre-existing condition, emergency medical evacuation, emergency reunion, political and natural disaster evacuation, Well Doctor visit and more. Coverage can be purchased for a minimum of 5 days, with the option to extend it up to 364 days (about 12 months) without interruptions.
- Where: This plan provides coverage to non-US citizens who reside outside the USA. Coverage includes travel outside of Your Home Country to visit the United States or any combination of the United States and other countries worldwide.
Venbrook Essential
$42 / mo For age 45 years with $50,000 plan and $0 deductible- Plan maximum limits ranging from $25,000 to $150,000
- Deductible options from $0 to $5000
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, ADD,Covid 19
- Coverage from 5 days to 364 days
- Brochure
Venbrook Essential Plan Benefits
Plan Benefits: Choice of maximum medical options for illness or injury of $25,000, $50,000, $100,000, and $1,50,000 with deductible per policy period of $0 for ages 0-69: and choice of $100, $200 for ages 70 to 79 years. It covers COVID-19 medical expenses, ac ute onset of pre-existing conditions, cardiovascular events, (up to age 70), doctor’s visit, prescription medicines, dental treatment for injury, political evacuation, repatriation of remains, and more.
Pre-existing conditions: The plan does not cover pre-existing conditions but includes coverage for acute onset of pre-existing conditions up to policy maximum for individuals under 70 years: Medical evacuation up to $25,000 and Cardiovascular event sub-limits of $15,000 and $25,000 depending on the chosen plan.
PPO Hospital Network: The plan follows the PHCS network.
Special Feature 1: Coverage for dental treatment for injury to sound natural tooth ranging from $650 to $850 maximum per policy period depending on the choice of policy maximum.
Special Feature 2: Coverage for Cardiovascular events from $15,000 -$25,000 depending on the choice of policy maximum.
Special Feature 3: Incidental home country coverage of 14 days after 30 days of continuous coverage.
What Coverage & Benefits Are Offered by Venbrook Essential?
Venbrook Essential is a travel medical insurance plan, underwritten by Crum and Forster. The plan provides coverage with pre-defined limits. It follows the PHCS Network.
Plan highlights:
- Coverage options of $25,000, $50,000, $100,000, and $1,50,000 in accident and sickness medical expenses.
- Deductibles of $0 for up to 69 years and choice of $100, or $200 for ages 70-89 years.
- Covers a maximum of 60 days per Prescription Drug ranging from $250, $400 & $500 per injury/illness Depending on the choice of the policy maximum.
- Includes coverage for Dental Treatment due to an injury to sound natural teeth up to $850 depending on the chosen policy maximum.
- Covers initial Orthopedic Prosthesis ranging from$1,250 – $2,000 per annual period for a standard basic hospital bed, standard basic wheelchair, or the initial orthopaedic prosthesis.
- Physical therapy visits limited up to $75 per visit (depending on the chosen policy maximum), 1 visit per day and 12 visits maximum.
- Coverage is extendable from 5 days to 364 days total.
You can review the complete benefits in the brochure.
Benefits for Venbrook Essential plan
| Benefit | Coverage Amount up to 64 years | Coverage Amount 64 – 69 years |
|---|---|---|
| In-patient Hospital | From $25,000 to $150,000 | From $25,000 to $150,000 |
| Out-patient Clinic | From $25,000 to $150,000 | From $25,000 to $150,000 |
| Doctor Visit | From $25,000 to $150,000 | From $25,000 to $150,000 |
| Prescription Drugs | From $25,000 to $150,000 | From $25,000 to $150,000 |
* Maximum of $100,000 for 70+years; 80+ year not eligible
* Refer to the brochure for latest benefits.
Venbrook Essential Cost
The cost of the plan depends on four core factors- traveler’s age, the duration of the trip, the chosen policy maximum, and the deductible amount.
Plan Limit: Choice of policy maximum are $25,000; $50,000; $100,000; $150,000
Age: The plan is available to individuals up to 89 years.
Coverage days: Coverage can be bought for a minimum of 5 days up to a maximum of 364 days.
Venbrook Essential Plan Price Table
| Age | Policy Max Limit $50,000 | Policy Max Limit $150,000 |
|---|---|---|
| From 40 to 49 years | $42 | $81 |
| From 50 to 59 years | $58 | $108 |
| From 60 to 64 years | $68 | $124 |
| From 65 to 69 years | $68 | $124 |
| From 70 to 79 years | $97 | NA |
Premium based on a $0 deductible for 31 days (Age0-69),$100 deductible for 31 days(Age 70-79)
* Refer to the brochure for latest benefits.
How to Claim Venbrook Essential Insurance?
- All claims must be submitted within 90 days of the date of service. The insured must provide a notice of claim within 90 days after any loss covered by the policy occurs. Upon receiving a written notice of claim, claim forms are given to the insured within 15 days. Written proof of loss must be sent within 90 days after the date of loss. Request a claims form by writing to VenbookTravel@RobinAssist.com as soon as you have a claim.
- Upon receiving the written notice of the claim, a claims form will be sent to you within 15 days.
- Attach copies of all the pages of the passport.
- Attach the itemized bills if any.
- All claims must be submitted to VenbookTravel@RobinAssist.com along with the completed claims form within 90 days of the date of service.
- To follow up on claims you can call 888-868-6053 or email: VenbookTravel@RobinAssist.com
Claims filing address and email
Claims Administrator:
Battleface on Behalf of Crum and Forster
For claim status or questions, please call: Toll Free: 888-868-6053/ Direct: 860-831-4805
Venbrook Essential Insurance – FAQs
Venbrook Essential is a limited travel insurance plan that offers a lower cost solution to travelers coming to the US. It offers medical coverage, Doctors’ Wellness, evacuation, repatriation of remains, acute onset of pre-existing condition.
The plan is designed for non-US residents who reside outside the US, travelers who travel outside their Home Country to visit the US or any other combination of US and other countries worldwide. The first destination should be the US. It is available to individuals up to 89 years of age.
This plan covers hospital room and board, emergency room injury/accidents, prescription drugs, dental treatment due to an injury to sound natural teeth, eye exam, ambulance service, emergency medical evacuation, repatriation, initial orthopedic prosthesis, acute onset of pre-existing condition, cardiovascular events, COVID-19 and more. Please review the brochure for complete details.
Venbrook Essential has general exclusions like maternity, preventive care, terrorism, war, suicide, trip interruption, lost luggage and more.
The plan excludes coverage for any kind of sports.
The plan follows the PHCS PPO Network.
24-hour travel assistance services are provided by Robin Assist. This plan includes both insurance and non-insurance benefits.