CoverAmerica-Gold vs Patriot America Plus

While there are several visitor insurance plans on the market, CoverAmerica-Gold and Patriot America Plus are some of the top plans for U.S. visitors. 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 is a quick comparison chart that may help you decide which plan will be 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, Sirus 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 the world-class service of VisitorsCoverage.

Like other insurance plans, these plans have some exclusions, are subject to eligibility and 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 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.