COVID-19 CoverageVisitors to the USA
CoverAmerica - Gold®
Comprehensive Coverage, A.M. Best Rating: A
Sirius Specialty Insurance Corporation
Best for:
Preferred rate available.Learn more
Why 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 country. 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-GoldâÂÂs 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
Acute onset of Pre-Existing Conditions
Extendable & Cancelable
PPO 
Medical Evacuation
Urgent Care
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
How COVID-19 is Covered Under CoverAmerica - Gold®
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
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)
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 is not covered under the policy.
Quarantine Benefit
A quarantine indemnity benefit of up to $50/day for 10 days.
Emergency Medical Evacuation
Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.
Why CoverAmerica-Gold?
CoverAmerica-Gold is one of the most popular travel medical insurance policies for U.S. visitors. The benefits of this plan are designed to meet the unique needs of those traveling to the United States. Here are some of the benefits that make it superior:
- Bestseller comprehensive coverage Plan for U.S. Visitors.
- Rated "A" plan
- Most popular and widely accepted United Healthcare PPO Network
- Covers 100% in PPO network with Cashless Payment.
- COVID-19/Coronavirus covered as any other covered medical condition
- COVID-19 Screening benefit.
- COVID-19 Quarantine benefit.
- Covers Cruise, theme parks and trips to Mexico, Bahamas, Canada
Here is why it is superior to other plans in the same category.
| Outstanding Benefits | CoverAmerica-Gold® | Most other plans in the same category |
|---|---|---|
| Extension/Renewal Fee | No Fee | Most other plans charge a renewal or extension fee |
| Cancellation Fee | No Fee | Most plans charge $20-$50 cancellation fee |
| Flu Shot Benefit |
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| COVID-19/Coronavirus Screening Benefit |
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| COVID Quarantine Benefit |
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| Lost or Stolen Passport or Travel Document |
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| Travel Delay |
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| Border Entry Protection Benefit- In case a valid visa holder is denied entry into the U.S |
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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
- Extendable for up to 365 days
- Must purchase a minimum of 30 days of coverage prior to leaving the country of residence to be eligible for the Public Health Emergency Screening (COVID-19 Test) benefit.
Similar Plans
Benefits
- COVID-19 Coverage: Included
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare 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
- Urgent Care Visits
- Emergency Room Services
- Emergency Dental Coverage
- Emergency Eye Exam Coverage
- Prescriptions/Medication
- Pre-Existing Conditions: No Coverage
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
- Extendable for up to 364 days
Purchase Restrictions
- Not Available for the following Destination Countries: Belarus (BLR), 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), Myanmar (MMR), North Korea (PRK), Puerto Rico (PRI), Syria (SYR), Ukraine (UKR), United States (USA) & Virgin Islands (USA) (VIR)
- Not available for Citizens of: Cuba (CUB), Iran (IRN), Myanmar (MMR), North Korea (PRK), Puerto Rico (PRI), Ukraine (UKR), United States (USA) & Virgin Islands (USA) (VIR)
- Not available to individuals who are physically located in the states of: Maryland (MD), New York (NY) & Washington (WA)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available to individuals who are physically located in the country of Australia (AUS) & Canada (CAN)
Plan FAQs
Patriot America Plus
Comprehensive Coverage, A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation
Best for:
U.S citizens visiting the USAGreencard holders visiting the USA
Benefits
- COVID-19 Coverage: Included
- 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
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- Pre-Existing Conditions: No Coverage
Eligibility
- For non U.S residents traveling to the USA and internationally and for U.S citizens living abroad visiting for a short period
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 365 days
- Extendable for up to 365 days
- Temporary coverage for green card holders visiting the USA for a short trip
Purchase 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), Puerto Rico (PRI), 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 Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Plan FAQs
Patriot Platinum
Comprehensive Coverage, A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation
Benefits
- COVID-19 Coverage: Included
- 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 Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- Pre-Existing Conditions: No Coverage
Eligibility
- For non U.S residents traveling to the USA and internationally and for U.S citizens living abroad visiting for a short period
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 365 days
- Extendable for up to 365 days
Purchase 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), Puerto Rico (PRI), 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 Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Plan FAQs
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.
