CoverAmerica-Gold vs Patriot America Plus

While there are several visitor insurance plans on the market, CoverAmerica-Gold and Patriot America Plus are among the top plans for visitors to the United States. Both are highly reputed and comprehensive travel medical insurance plans.

While there are many similarities between these two plans, there are some key differences. Here's a quick comparison chart to help you decide which plan is best for you.

Patriot America
Patriot America Plus
Underwriter Rating A + A +
Coverage Area USA, Canada, Mexico and South America. If your destination is the U.S., this is the best plan. Covers international travel.
Coverage duration Between 5 days and 12 months, can be extended for 2 years Between 5 days and 12 months, can be extended for 2 years
COVID-19 Coverage Covers COVID-19 like any other new illness. This plan also covers screening costs and includes an indemnity allowance. Covers COVID-19 like any new illness.
Cancellation Fees No cancellation fee $50
Border Entry Protection Despite having a Visa, you may be denied entry to the U.S. In this event, the plan pays up to $550; this can help you with any related expenses. Does not cover
Coverage amounts for policyholders aged 70 to 79 Up to 100K $50K only
Acute Onset PreEx coverage for policyholders aged 70 to 79 $30K $50K
Buy Buy

Both CoverAmerica-Gold and Patriot America Plus are great plans, and underwritten by the same insurer, Sirius International, and administrator, the U.S.'s oldest and most well-reputed travel medical insurance policy administrator IMG (International Medical Group). Both plans come with VisitorsCoverage's world-class services.

Like other insurance plans, there are some exclusions, eligibility requirements and other terms and conditions. We recommend that you review the plan documents carefully before purchasing a travel insurance plan.

Which Plan Should You Pick?

You should pick your travel medical insurance plan based on your needs and which plan features will be useful for you. If you need assistance, you can send your questions to our team at or call +1 (866) 384-9104 to speak to a licensed insurance expert.

You can also learn more about CoverAmerica-Gold or compare it to some of our other top-rated plans for the U.S. and international travel including Atlas America and Safe Travels USA.