Visitors to the USA
CoverAmerica-Gold®
Comprehensive Coverage,
Underwriter: Sirius Specialty Insurance Corporation
Best for:
Preferred rate availableLearn more
Why CoverAmerica-Gold? Best Seller
CoverAmerica-Gold (A.M. Best Rating: A) is a comprehensive travel medical insurance plan for international visitors traveling to the United States. It offers broad medical coverage for eligible new illnesses and injuries, access to the UnitedHealthcare PPO network, helping protect travelers during their trip. Coverage is available 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 selected policy maximum. Outside of the PPO network, the plan will pay 80% up to the first $5,000, then 100% thereafter in eligible medical expenses, up to the selected policy maximum.
CoverAmerica-Gold has a unique feature called US Border Entry Protection Benefit. This benefit is designed for foreign travelers entering the United States, helping mitigate the financial risk associated with being denied entry at a U.S. port of entry.
CoverAmerica-Gold does not cover pre-existing conditions. CoverAmerica-Gold includes acute onset coverage of pre-existing conditions up to the policy maximum through age 69 (cardiac/stroke up to $36,000) and up to $30,000 for ages 70–79.
Review the CoverAmerica-Gold policy documents for complete coverage details, exclusions, and limitations.
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 selected policy maximum. Outside of the PPO network, the plan will pay 80% up to the first $5,000, then 100% thereafter in eligible medical expenses, up to the selected policy maximum.
CoverAmerica-Gold has a unique feature called US Border Entry Protection Benefit. This benefit is designed for foreign travelers entering the United States, helping mitigate the financial risk associated with being denied entry at a U.S. port of entry.
CoverAmerica-Gold does not cover pre-existing conditions. CoverAmerica-Gold includes acute onset coverage of pre-existing conditions up to the policy maximum through age 69 (cardiac/stroke up to $36,000) and up to $30,000 for ages 70–79.
Review the CoverAmerica-Gold policy documents for complete coverage details, exclusions, and limitations.
Learn more about 3 optional add-on benefits available on this plan.
Plan Highlights
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare 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
- US Border Entry Protection
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- COVID-19 Test Benefit: At least 30 days of coverage must be purchased prior to departing the home country
- Quarantine Indemnity
- Influenza (flu) shot
- Free cancellations
- Extensions at no extra fee
- COVID-19 Coverage: Included
- Pre-Existing Conditions: No Coverage
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 & Ratings
- A.M. Best Rating: A
- Licensed and Regulated by the United States Department of Insurance
What's Good
- 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
- COVID-19: Included
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.
