Venbrook Basic Vs. Venbrook Premier: A Detailed Comparison 

When it comes to choosing the right travel insurance, especially for visitors to the United States, the options can be overwhelming. Venbrook Basic and Venbrook Premier are two popular travel insurance plans designed to offer coverage for international travelers, but they differ significantly in terms of benefits and coverage limits. 

Table of Contents: 

• Venbrook Premier- Plan Highlights 

• Venbrook Basic- Plan Highlights 

• Comparison between Venbrook Premier and Venbrook Basic 

• FAQs 

• Conclusion 

Venbrook Premier- Plan Highlights 

Venbrook Premier is a leading travel medical insurance plan, specifically tailored for non-citizens traveling to the US. This comprehensive plan provides enhanced protection, ensuring coverage for a wide range of medical and travel-related emergencies.  

Plan highlights: 

• Choice of medical maximum per policy period ranges from $50,000 to $1,000,000 and $20,000 for ages 80+ 
• Covers Emergency Medical Evacuation up to $1,000,000 per policy period. 
• Covers one episode of an Acute Onset of Pre-existing Condition up to age 69 yrs. 
• $250 for a Wellness Check within the first 21 days from the effective date of coverage 
• Includes coverage for Cardiovascular events. 
• Dental Treatment to a sound natural tooth is up to $300 per policy period. 
• Up to $150 for Emergency Eye Exam due to an accident. 
• $10,000 per policy period for Trip Interruption. 

Venbrook Basic- Plan Highlights 

Venbrook Basic is designed for budget-minded travelers, offering basic necessary protection to health and belongings to visitors coming to the US or US and other countries. The plan is available up to 79 years, and extendable from 5 days to up to 364 days. 

Plan highlights: 

• Choice of policy maximum are $50,000, $100,000, $250,000, $500,000, $1,000,000. 
• Covers Emergency Medical Evacuation up to $500,000 per policy period. 
• The choice of deductibles ranges from $0 to $5,000. 
• Covers Prescription Drugs up to  $50,000 per policy period.  
• Includes some coverage for Dental Treatment and Emergency Eye Exam.  
• $2,500 per policy period for Trip Interruption. 
• The plan offers Optional Sports Coverage, Optional Adventure Activity, Optional Accidental Death, and Dismemberment- 24 hours 

Comparison between Venbrook Premier and Venbrook Basic

Category	Venbrook Premier	Venbrook Basic
Plan type	Comprehensive	Comprehensive
Benefits	Coverage for up to $1,000,000 in accident and sickness medical expenses, Emergency Medical Evacuation and Medically Necessary Repatriation,Natural Disasters Evacuation, Repatriation of Mortal Remains or Local Burial, Doctors Wellness Benefit, Pre-existing conditions	Coverage for up to $1,000,000 in accident and sickness medical expenses, Emergency Medical Evacuation and Medically Necessary Repatriation, Natural Disasters Evacuation,| Repatriation of Mortal Remains or Local Burial
Eligibility	Coverage 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.	Coverage 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.
Underwriter	Crum & Forster SPC	Crum & Forster SPC
Policy Max	$50,000, $100,000, $250,000, $500,000, $1,000,000, and $20,000 for ages 80+	$50,000, $100,000, $250,000, $500,000, $1,000,000
Deductible	$0, $100, $250, $500, $1,000, $2,500, $5,000	$0, $50, $100, $250, $500, $1,000, $2,500, $5,000
Coverage days	5 days up to a maximum of 364 days (about 12 months)	5 days up to a maximum of 364 days (about 12 months)
Plan Page
Brochure	View	View
Plan features	View Plan Page	View Plan Page
Hospital room and board expenses	The average semi-private room rate	Up to Age 70: The average semi private room rate For Ages 70+: The average semi private room rate to a maximum of $20,000
ICU room and board charges	To the selected Policy Maximum	Up to Age 70: To the selected Policy Maximum For Age 70+: Up to a maximum of $20,000
Outpatient medical expenses	To the selected Policy Maximum	To the selected Policy Maximum
Prescription drugs	To Policy Maximum or $250,000, whichever is lower. Subject to a 60-day maximum supply per prescription.	To Policy Maximum of $50,000 per Policy Period. Subject to a 30-day maximum supply per prescription.
Cardiovascular event	Up to policy maximum per Policy Period for ages up to 64; $25,000 per Policy Period for ages 65 to 69; $15,000 per Policy Period for ages 70 and over	Not covered
Covid 19	Covered as any other illness	Not covered
Acute onset of pre-existing conditions	For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Policy Period, subject to any sub-limit or restriction as outlined here in the Policy. Upon attaining age 70 Acute Onset of Pre-existing Condition benefits are not available.	Not covered
Well doctor visit	Up to $250 – One Visit per Policy Period	Not covered
Dental treatment	Up to $300 maximum per Policy Period	Up to $150 maximum per Policy Period
Emergency eye exam	Up to $150 maximum per Policy Period	Up to $50 maximum per Policy Period
Emergency Medical Evacuation	Up to $1,000,000 per Policy Period. Limit of $25,000 Maximum per Policy Period for any condition covered under Acute Onset of a Pre-existing Condition Benefit	Up to $500,000 per Policy Period
Medical Repatriation	Up to $50,000 per Policy Period	Up to $15,000 per Policy Period
AD&D- 24 hours	Insured: $25,000 Principal Sum Spouse / Domestic Partner: $25,000 Principal Sum Dependent Child: $10,000 Principal Sum Maximum benefit paid $250,000 per family	$25k per adult, $15k per child, max $100k per family or group
Lost Baggage	$100 per item to a maximum of $500 per Policy Period	$50 per item to a maximum of $250 per Policy Period
Lost Passport	$100 per Policy Period	Not available
Trip Interruption	$10,000 per Policy Period	$2,500 per Policy Period
Optional Benefits	Optional Return to Home Country, Optional Activity coverage, Optional Sports Coverage	Optional Adventure Activity Coverage, Optional Sports Coverage, Optional Accidental Death, and Dismemberment-24 hours

FAQs 

How to file a claim Venbrook plans?  

• Request a claims form by writing to [email protected] as soon as you have a claim. 
• Upon receiving the written notice of the claim, a claims form will be emailed to the email address on file within 15 days (about 2 weeks). 
• Attach copies of all the pages of the passport. 
• Attach the itemized bills if any. 
• All claims’ forms and details must be emailed to [email protected] along with the completed claims form within 90 days (about 3 weeks) of the date of service. 

What is not covered in Venbrook Basic and Premier?  

Venbrook Basic and Premier plans have general exclusions like maternity, terrorism, war, suicide, and more. Apart from these general exclusions, the Basic plan does not cover acute onset of pre-existing conditions, Cardiovascular events, Covid-19, and lost passport. The Premier plan does not cover acute onset of pre-existing conditions above the age of 70yrs. Reviewing the brochures is recommended. 

Is there any network of doctors?  

Both Venbrook Basic and Premier plans follow the PHCS network. 

Is Travel Assistance Service available?  

24-hour travel assistance services are provided by Robin Assist for both Basic and Premier plans. 

Conclusion 

Choosing between Venbrook Basic and Venbrook Premier depends on your individual needs and the level of coverage you require. The Basic offers a more affordable option with essential coverage, making it ideal for budget-conscious travelers who need emergency medical coverage and a basic level of protection. On the other hand, the Premier provides more comprehensive benefits. Ultimately, understanding your coverage needs will help ensure you select the right plan for a safe and worry-free trip to the US.