While there are several visitors insurance plans on the market, CoverAmerica-Gold and Patriot America Plus are a couple of the top travel insurance plans for U.S. visitors. Both are highly reputed and comprehensive travel medical insurance plans that covers international travel. Both plans also cover COVID-19.
While there are many similarities between these two plans, there are some key differences. Here is a quick comparison chart that may help you decide which plan is best for you.
| Categories | CoverAmerica-Gold | 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 |
| CoverAmerica-Gold Buy | Patriot America PlusBuy |
Both CoverAmerica-Gold and Patriot America Plus are great plans to cover international travel. They're underwritten by the same insurer, Sirius International. Their administrator, IMG (International Medical Group) is the United States' oldest and most-trusted travel medical insurance policy administrator. Both plans come with the world-class service of VisitorsCoverage.
Like other insurance plans, these plans have some exclusions, are subject to eligibility requirements, and have other terms and conditions. We highly recommend that you review the plan documents carefully before you purchase a plan.
Which Plan Should You Pick?
You should pick your travel medical insurance plan based on your needs and which features of a plan will be useful for you. If you need assistance, you can send your specific questions to our Customer Success Team.
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.
