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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?Learn more
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.

How It Works

100%

In Network

100% up to policy maximum See How CoverAmerica - Gold® Works.

80%

Out of Network

80% of first $5000, 100% thereafter

Key Benefits

COVID-19 Included
COVID-19 Included
Acute onset of Pre-Existing Conditions
Acute onset of Pre-Existing Conditions
Extendable & Cancelable
Extendable & Cancelable
PPO
PPO PPO Network
Medical Evacuation
Medical Evacuation
Urgent Care
Urgent Care
Medical Coverage During Travel
Medical Coverage During Travel
Comprehensive Coverage Plan
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
Coverage from 5 days to 365 days

How COVID-19 is Covered Under CoverAmerica - Gold®

COVID-19 Medical Expenses
COVID-19 Medical Expenses

Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.

COVID-19 Testing
COVID-19 Testing

Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.

Public Health Emergency Screening (COVID-19 Test)
Public Health Emergency Screening (COVID-19 Test)

One-time benefit to cover the cost of a COVID-19 test up to $150. The policyholder does not need to have symptoms or a physician order to utilize the benefit.

COVID-19 Vaccination/Booster
COVID-19 Vaccination/Booster

COVID-19 vaccination/booster is not covered under the policy.

Quarantine Benefit
Quarantine Benefit

A quarantine indemnity benefit of up to $50/day for 10 days.

Emergency Medical Evacuation
Emergency Medical Evacuation

Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.

Eligibility

  • For non U.S. residents and non U.S. citizens, while traveling to the United States and for incidental trips to Canada, Mexico, Latin America, Bahamas and South America
  • For Ages 14 days to 79 years
  • Coverage for minimum of 5 days up to 365 days
  • Must purchase a minimum of 30 days of coverage prior to leaving the country of residence to be for the Public Health Emergency Screening (COVID-19 Test) benefit.

Restrictions

  • Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)
  • Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA), Sierra Leone (SLE), United States (USA) & Virgin Islands (USA) (VIR)
  • Not Available for Addresses from the Following U.S. States/Territories: Maryland (MD) & New York (NY)

Similar Plans

Atlas America

Comprehensive Coverage, Rated A (Excellent)
Underwriter: Lloyd's of London

Benefits
  • COVID-19 Coverage
  • After the deductible, plan pays 100% of eligible medical expenses within the PPO network; outside the PPO network, plan pays 100% of eligible medical expenses up to the policy maximum
  • Acute Onset of Pre-Existing Condition Coverage
  • Emergency Medical Evacuation
  • Emergency Room Services
  • Urgent Care Visits
  • Emergency Dental Accident
  • Emergency Eye Exam
  • Lost Checked Luggage
Eligibility
  • For non U.S residents and non U.S citizens traveling to the U.S
  • For ages 14 days to 99 years
  • Coverage for minimum 5 days to maximum up to 364 days in a policy period
Restrictions
  • Not Available for the following Destination Countries: Cuba (CUB), Iran (IRN), North Korea (PRK), Russia (RUS), Syria (SYR) & Ukraine (UKR)
  • Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), North Korea (PRK), Syria (SYR), United States (USA) & Virgin Islands (USA) (VIR)
  • Not available for Citizens of: Cuba (CUB), Iran (IRN), North Korea (PRK) & United States (USA)
  • Not available to individuals who are physically located in the states of: New York (NY), Washington (WA) & Maryland (MD)
  • Not available to individuals who are physically located in the country of Australia (AUS) & Canada (CAN)
Liaison Travel Plus

Comprehensive Coverage, Rated A (Excellent)
Underwriter: Lloyd's of London and Tramont Insurance Company

Best for:
COVID-19 CoverageWorldwide
Benefits
  • COVID-19 Coverage
  • After the deductible, plan pays 90% of the first $5,000, then 100% up to policy maximum within the PPO network; outside the PPO network, plan pays 80% of the first $5,000, then 100% up to policy maximum.
  • Acute Onset of Pre-Existing Condition Coverage
  • Emergency Medical Evacuation
  • Telehealth Services
  • Urgent Care Visits
  • Emergency Room Services
  • Incidental Trip to Home Country
Eligibility
  • For international travelers traveling outside their home country
  • Coverage for minimum 5 days to maximum up to 364 days
  • For ages 14 days to 74 years
Restrictions
  • Not Available for the following Destination Countries: Antarctica (ATA), Cuba (CUB), Iran (IRN), Kosovo (XKX), North Korea (PRK) & Syria (SYR)
  • Not available if Home Country/Country of Residences are: Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR) & Virgin Islands (USA) (VIR)
  • Not Available for Addresses from the Following U.S. States/Territories: Washington (WA), South Dakota (SD), New York (NY), Maryland (MD) & Colorado (CO)
Patriot America Plus

Comprehensive Coverage, Rated A- (Excellent)
Underwriter: SiriusPoint Speciality Insurance Corporation

Best for:
U.S citizens visiting the USAGreencard holders visiting the USA
Benefits
  • COVID-19 Coverage
  • 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 Examination
  • Emergency Dental Accident
Eligibility
  • For non U.S residents traveling internationally, including the USA
  • For U.S citizens living abroad and visiting the USA for a short trip
  • For ages 14 days to 99 years
  • Coverage for minimum 5 days to maximum up to 365 days
  • Temporary coverage for green card holders visiting the USA for a short trip
Restrictions
  • Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)
  • Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
  • Not Available for Addresses from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Patriot Platinum

Comprehensive Coverage, Rated A- (Excellent)
Underwriter: SiriusPoint Speciality Insurance Corporation

Benefits
  • COVID-19 Coverage
  • After the deductible, plan pays 100% of eligible medical expenses within the PPO network; outside the PPO network, plan pays 90% 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 Examination
  • Emergency Dental Accident
Eligibility
  • For non U.S residents traveling internationally, including the USA
  • For ages 14 days to 99 years
  • Coverage for minimum 5 days to maximum up to 365 days
Restrictions
  • Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)
  • Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
  • Not Available for Addresses from the Following U.S. States/Territories: Maryland (MD) & New York (NY)

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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.