VenbrookEssential

Plan Administrator: Venbrook Insurance Services | Underwriter: Crum & Forster SPC | AM Best Rating: A (Excellent)

  • Eligibility: Non-US citizens reside outside US & traveling outside of Their Home Country to visit solely US, or to visit combination of US & other countries worldwide. Policy is not available to anyone age 90 or above.
  • Coverage Length: 5 days to 364 days.
  • Acute Onset of Pre-existing Condition under age 70: Upto policy maximum. A maximum of $15,000 for any Cardiovascular for $25,000 policy maximum Event sublimit. Rest of policy maximum maximum of $25,000 for any Cardiovascular Event sublimit.
  • Coinsurance: After deductible, plan pays 100% up to the selected Policy Maximum
  • PPO Network: PHCS Network
  • ID Card: Link comes in email to download

Complete details are given in certificate of insurance.

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  • Coverage depends on age and policy maximum selected.
  • Physician’s Visits/ Urgent Care: $60 to $150 per visit, one visit per day and 30 visits per Policy Period.
  • Diagnostic X-rays and Lab Services: $500 to $1,100 per Incident
  • Hospital Room and Board Expenses: $1,500 to $3,250 per day to a maximum of 30 days.
  • Prescription drugs and medications: $250 to $500 per Incident
  • Ambulance Service Benefits: $500 to $750 per injury/illness, maximum of 60 days per prescription.

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  • Pre-Existing Conditions, as defined.
  • Sickness resulting from pregnancy.
  • miscarriage resulting from Accident.
  • any infection of the urinary tract (including, without limitation, infection of the kidney, ureter, bladder, prostate or urethra) and any complication, medical condition or other Illness directly or indirectly arising therefrom, that occurs within ninety (90) days of the Effective Date of this Insurance and that requires Treatment of the Covered Person in a Hospital as an inpatient.

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Renew

An extension notice will be sent to the Covered Person before the Policy Period ends and includes links to extend prior to the Termination Date. The Covered Person is subject to the following rules at extension:  In order to extend, the Policy Period must be initially purchased for a minimum of 5 days.  If available, an extension period can be purchased; 1.at the premium rate in force at the time of the extension; 2. for a minimum of 5 days; 3. for up to a maximum of 364 days, provided the Covered Person’s Policy Period does not exceed 364 days in total. There are no grace periods for extension.  Once the Policy has lapsed, reapplication is required. Please note, upon application for a new Policy, the Pre-Existing Condition exclusion, deductible and co-insurance start over.

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Policy Maximum per Policy Period $25,000 Ages 0 – 89 $50,000 Ages 0 – 79 $100,000 Ages 0 – 79 $150,000 Ages 0 – 69

 Acute Onset of a Pre-Existing Condition
Benefit Maximum

Medical Evacuation Sub-limit


Cardiovascular Event Sub-limit


Age Limit

 

Up to Policy Maximum 


$25,000


$15,000


Upon attaining age 70 Acute Onset of Pre-existing Condition benefits are not available.   

 

Up to Policy Maximum 


$25,000


$15,000


Upon attaining age 70 Acute Onset of Pre-existing Condition benefits are not available.   

 

Up to Policy Maximum 


$25,000


$15,000


Upon attaining age 70 Acute Onset of Pre-existing Condition benefits are not available.   

 

Up to Policy Maximum 


$25,000


$15,000


Upon attaining age 70 Acute Onset of Pre-existing Condition benefits are not available. 

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Full cancellation and refund will only be considered if We receive written request prior to or on the Effective Date of the coverage. If We receive a written request for cancellation and refund after the Effective Date of coverage, a partial cancellation and refund may be allowed. The following conditions apply:

  1. If any claims have been filed with Us, the premium is fully earned and is non-refundable;
  2. If no claims have been filed with the Company, then
    (i) a cancellation fee of US $25 will be charged; and
    (ii) only unused days premiums will be considered as refundable; and
  3. If after a refund is made, it is determined that a claim was presented to Us on a Covered Person’s behalf, the Covered Person will be fully responsible for that claim in its entirety.

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A claimant must give Us or Our authorized representative written (or authorized electronic or telephonic) notice of claim within 90 days after any loss covered by the Policy occurs. If the claimant or Covered Person is incapacitated within the 90 days after the loss, must be given as soon as reasonably possible. This notice should identify the Covered Person and the Policy Number. All claims must be submitted within 90 days from date of incident, or they will be denied. Circumstances may exist in which this is not always possible. Any submissions after 90 days will be considered based on those circumstances.

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