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|