Venbrook Premier vs. Venbrook Basic

Always compare visitors insurance plans like Venbrook Premier vs. Venbrook Basic Insurance, this helps you to review plan benefits to find the best visitors insurance for relatives or parents visiting the USA. Both are excellent choices, but the Venbrook Premier policy is a high-end coverage option for visitors to USA. Both plans are plans offered by the same plan administrator – Venbrook International, and are also underwritten by Crum & Forster, a leading travel medical underwriter in the world. The key difference between the two plans is that the Venbrook Premier policy is a high-end offering coverage amounts of $10K USD for ages 80+ and also includes benefits for acute-onset pre-existing conditions and COVID-19, which  the Venbrook Basic plan excludes.

Our extensive experience and research in Venbrook Premier vs. Venbrook Basic Insurance  plans has found the following highlighted options that are top-rated and best visitor medical insurance plans with best and elite comprehensive coverage options up to the plan maximum benefit selected at the time of purchase of the policy.

• Venbrook Basic – Suits budget minded traveler 79 years or younger by age, needing basic coverage necessary for comprehensive health protection while visiting the USA, or travel to USA and other countries worldwide. VenbrookBasic is a popular comprehensive plan the EXCLUDES acute-onset or sudden relapse of pre-existing condition coverage benefit. Also, both Cardiovascular events and COVID-19 are NOT covered in this plan. For ages below 65 years, maximum coverage is $1 million, however, for ages 65-79 years, maximum coverage choices are limited to $250K USD.
• Venbrook Premier – Flagship comprehensive program is for non-citizens who are 89 years or younger by age and visiting the USA, or travel to USA and other countries worldwide. VenbrookPremier is a high-end comprehensive plan for visiting USA and/or intl. travel outside home country, after deductible, plan pays 100% up to the policy maximum limits ($50K though $1 million USD for ages below 65 years, $250K for wages 65-79 years and $20K for ages 80+), and INCLUDES coverage for acute-onset or sudden relapse of pre-existing condition coverage benefit for ages below 70 years.  COVID-19 

Both plans are extendable from 5 days up to a maximum of 364 days, and offer available optional Sports Activity coverage.

The key advantages of Venbrook Premier visitor insurance are coverage available especially for ages over 80 years, no coinsurance requirement after the deductible, personal liability coverage, and higher dental coverage limit, coverage for acute-onset of pre-existing conditions and COVID-19. However, Venbrook Basic visitor insurance may be a more affordable option for most travelers visiting just the U.S. Both plans are underwritten by Crum & Forster and administered by Venbrook Insurance Services. Both policies also offer similar core travel medical benefits like emergency medical evacuation, repatriation of mortal remains, coverage for terrorism, optional coverage for certain sports activities, and much more as elaborated in the summary of benefits table in the plan brochure.

Here is a comparison of the key differences between the Venbrook Premier and Venbrook Basic travel insurance plans:

• Venbrook Premier
  • Designed specifically for non-U.S. citizens/residents traveling to the United States or USA/internationally
  • Covers acute onset of pre-existing conditions for ages under 70 years
  • Maximum coverage limit options from $50,000 to $1,000,000 for ages below 65 years, 65-79 limited to $50K or $100K, and limited to $20,000 only above age 80 years.
  • No coinsurance after deductible – 100% of eligible expenses covered up to policy maximum
  • Dental coverage for emergency treatment of acute onset of pain up to $300
• Venbrook Basic
  • Comprehensive coverage for non-U.S. citizens/residents traveling to the U.S. or USA/internationally
  • EXCLUDES coverage for acute onset of pre-existing conditions and COVID-19
  • Maximum coverage limit options from $50,000 to $1,000,000 for ages below 65 years,  65-79 limited to $50K or $100K.
  • Coinsurance of 20% of first $10,000 of eligible expenses after deductible is met, after which plan pays 80% up to policy maximum