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CoverAmerica - Gold® : Reviews, Ratings, and Feedback

CoverAmerica - Gold®

Comprehensive Coverage,Rated A- (Excellent)
Sirius Specialty Insurance Corporation

Best for:
COVID-19 CoverageVisitors to the USA
Preferred rate available.Learn moreWhy CoverAmerica-Gold?
Best Seller
CoverAmerica-Gold is an A- rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for visitors to the U.S during their travel and temporary stay outside of their home. The coverage duration available is from 5 days to 365 days. While in the U.S, after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 100% of eligible medical expenses up to the policy maximum. Outside of the PPO network, the plan will pay 80% of the first $5,000 in eligible medical expenses then 100% thereafter. Learn more about how CoverAmerica-Gold works.

CoverAmerica-Gold can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date The plan offers a Public Health Emergency Screening benefit, along with Quarantine Indemnity coverage if a policyholder is ordered to quarantine by an authorized attending physician.


CoverAmerica-Gold does not cover Pre-Existing medical conditions. Please review CoverAmerica-Golds policy documents for complete coverage and exclusions.

Plan Highlights

  • COVID-19 Coverage: Included
  • After the deductible, plan pays 100% of eligible medical expenses within the PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to $5,000, then 100% thereafter.
  • Acute Onset of Pre-Existing Condition Coverage
  • Emergency Medical Evacuation
  • Urgent Care Visits
  • Emergency Room Services
  • Emergency Eye Exam Coverage
  • Emergency Dental Coverage
  • Prescriptions
  • COVID-19 Test Benefit: At least 30 days of coverage must be purchased prior to departing the home country
  • Quarantine Indemnity
  • Influenza (flu) shot
  • No Cancellation Fee
  • No Extension Fee
  • Pre-Existing Conditions: No Coverage
Key Metrics

Key Metrics

  • Administrator: IMG
  • Underwriter: Sirius Specialty Insurance Corporation
  • Best Suitable for: B visa holders traveling to the USA
  • Eligibility (Who can buy this travel insurance?): Visitors to the USA
  • Type of coverage: Comprehensive Coverage Plan
Reviews and Ratings

Reviews & Ratings

  • AM Best Rating: A- (Excellent)
  • Licensed and Regulated by the United States Department of Insurance
What's Good

What's Good

  • COVID-19: Included
  • United Healthcare PPO Network
  • After the deductible plan pays: 100% up to the policy maximum within the PPO Network
  • Public Health Emergency Screening Benefit
  • Influenza Vaccination Coverage
  • International Coverage During Travel
  • Acute onset of Pre-Existing Conditions
  • No Extension/Renewal Fee
  • No Cancellation Fee
  • Emergency Medical Evacuation: Up to $1,000,000
What's Not So Good

What's Not So Good

  • Only available for B visa holders
  • North America Coverage Only
  • No Coverage for Those Ages 80+

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Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.