CoverAmerica - Gold
Comprehensive Coverage, Rated A- (Excellent)By: IMG, UW: Sirius SpecialitySirius Specialty Insurance Corporation
Why CoverAmerica-Gold®? 
- AM Best Rating
- A- (Excellent)
- Administrator/Underwriter
- IMG
Sirius Specialty Insurance Corporation
In Network
After deductible, the plan pays 100% up to the policy maximum.
Out of Network
Plan pays 80% of the first $5,000 then 100% up to the policy maximum.
COVID-19 Included
Acute onset of Pre-Existing Conditions
Extendable & Cancelable
PPO
Urgent Care
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
Preferred rate available for returning customers 
CoverAmerica - Gold is a visitor insurance plan that provides medical insurance coverage and emergency services for non US citizens and non US residents traveling to the USA. It also covers incidental trips to Canada, Mexico, Bahamas, Latin America and South America, while visiting the USA. After the deductible is satisfied, within the PPO network , the plan will pay 100% of eligible medical expenses up to the policy maximum. Outside the PPO network, the plan will pay 80% of the first $1,000 in eligible medical expenses than 100% thereafter . Outside the USA, after the deductible is satisfied, the plan will pay 100% up to the chosen policy maximum.
Out-Patient
Dr. / Physician Visit
After deductible is met:
Within PPO Network
100% covered for eligible medical expenses up to policy maximum
Outside PPO Network
80% of the first $5,000 for all eligible medical expenses than 100% thereafter up to the policy maximum
Urgent Care
$15
For all other services after deductible is met:
Within PPO network
100% covered for all eligible medical expenses up to policy maximum
Outside PPO Network
80% of the first $5,000 for all eligible medical expenses, then 100% thereafter up to the policy maximum
Surgical Treatment
After deductible is met:
Within PPO Network
100% covered for all eligible medical expenses up to policy maximum
Outside PPO Network
80% of the first $5,000 for all eligible medical expenses, then 100% thereafter up to the policy maximum
Prescription Drugs / Medicines
After deductible is met:
URC up to the policy maximum
Lab & X-rays
After deductible is met:
Within PPO Network
100% covered for all eligible medical expenses up to policy maximum
Outside PPO Network
80% of the first $5,000 for all eligible medical expenses, then 100% thereafter up to the policy maximum
Physical Therapy
After deductible is met:
Within PPO Network
100% covered for all eligible medical expenses up to policy maximum
Outside PPO Network
80% of the first $5,000 for all eligible medical expenses, then 100% thereafter up to the policy maximum
In-Patient
Hospital Room
After deductible is met:
Within PPO Network
100% covered for all eligible medical expenses up to policy maximum
Outside PPO Network
80% of the first $5,000 for all eligible medical expenses, then 100% thereafter up to the policy maximum
Surgical Treatment
After deductible is met:
Within PPO Network
100% covered for all eligible medical expenses up to policy maximum
Outside PPO Network
80% of the first $5,000 for all eligible medical expenses, then 100% thereafter up to the policy maximum
Hospital Intensive Care Unit
After deductible is met:
Within PPO Network
100% covered for all eligible medical expenses up to policy maximum
Outside PPO Network
80% of the first $5,000 for all eligible medical expenses, then 100% thereafter up to the policy maximum
Emergency Services
Ambulance Expenses
Reasonable and Customary up to policy maximum
Emergency Room(ER)
After deductible is met:
Within PPO Network
100% covered for all eligible medical expenses up to policy maximum
Outside PPO Network
80% of the first $5,000 for all eligible medical expenses, then 100% thereafter up to the policy maximum
For ER visits for illness, that does not lead to in-patient hospitalization, there is an extra $250 deductible.
This deductible does not apply to accidents/injuries or sickness that lead to in-patient hospitalization
Dental
Acute, spontaneous and unexpected pain
Up to $250. (Deductible per occurrence $50)
Accidental emergency
After deductible is met:
Within PPO Network
100% covered for all eligible medical expenses up to policy maximum
Outside PPO Network
80% of the first $5,000 for all eligible medical expenses, then 100% thereafter up to the policy maximum
Travel
Emergency Medical Evacuation / Repatriation
Up to $1,000,000. Covered for any sickness or injury, including pre-existing conditions
Return of Remains
Up to $25,000
Emergency Reunion
Up to $100,000
Return of minor Child(ren)
Up to $100,000
Trip Interruption
Up to $10,000
Loss of checked Baggage
Up to $1,000 ($50 per item)
Life
AD&D
Up to $25,000 for primary insured and spouse.
(Dependents children: $5,000); $250,000 Family max
Common Carrier Accidental Death
Up to $50,000
(Dependents $25,000 each; $250,000 Max for Family)
Other
Acute Onset
Coverage is available for acute onset of pre-existing conditions
Up to age 69
Up to policy maximum selected
Ages 70-79: Maximum coverage $30,000
Maternity
Not Covered
General Physical full Checkup
Not Covered
Terrorism Coverage
Up to policy maximum chosen
Brochure
Support
Plan Administrator Company
IMG
Carrier / Underwriter
Sirius Specialty Insurance Corporation
AM Best Rating
A- (Excellent)
Eligibility
Available for Non US Citizens and Non US Residents, traveling to the USA for a short trip.
Plan Type
Comprehensive Coverage Plan
Percentage based coverage.
Coverage in U.S.A.
Covered
Coverage outside U.S.A.
Covered
Co-Pay
Urgent care consultation copay $15
Co-Insurance
After the deductible is satisfied, the plan pays 100% of all eligible medical expenses up to the medical maximum within the UnitedHealth Care PPO network.
How the Benefits are Paid
After the deductible is satisfied, the plan pays 100% of eligible medical expenses up to the selected policy maximum within the UnitedHealth Care PPO network.
Coverage Type
Lifetime of the policy
Deductible Type
Once Annually or Per Policy Period.
Renewability
Extendable up to a maximum period of 365 days. There is no Admin Fee for an extension.
Cancellation
No Cancellation Fee Full refund available if cancelled before start date. Pro-rated refund available after start date if no claims have been made
PPO Network
Coverage Length
Min 5 Days to 365 days
Available Deductibles
Age up to 79 Choose from:$100; $250; $500; $1,000; $2,500; $5,000
Age 70-79 with a policy maximum of $100,000 or more, choose from: $1,000; $2,500; $5,000
Available Coverage
Choose From: $50,000; $100,000; $250,000
Ages 65 to 79: Limited to $50,000; $100,000
Ages 80 and over: No coverage available
Provider Directory
By Provider, Phone Nos. : 1 (800) 628-4664 or 1 (317) 655-4500
Plan Brochure
Home Country Definition
The country where the covered person has his/her true, fixed, permanent home and principal establishment.
US States Restrictions
No Restrictions
Country Restrictions
Paper applications are needed for residents of the following countries: Gambia, Ghana, Nigeria, Sierra Leone, Niger, Botswana
CoverAmerica - Gold Insurance FAQs | |
| Q1. Am I eligible for the CoverAmerica - Gold? The CoverAmerica - Gold plan is available for: | |
| Q2. Why CoverAmerica is unique, and best among all other similar policies? A typical travel medical insurance policy will cover medical emergencies (as included), but the best policy would have comprehensive coverage for Covid-19. This means that the insurance firm won’t just help you if you get sick, but they’ll also be able to reimburse you for delays, enforced stays( Quarantines) , or a missed departure( Missed connection). CoverAmerica Gold has it all and more. A true international travel medical insurance policy. It is not just another "Covid medical included" type of policy. It is much more and a true Gold standard. | |
| Q3. What Information do I need to buy the Plan? You would need the name of the traveler(s), dates of birth(s), travel dates and mailing address of the visitor(s). A valid credit card is also required to purchase the plan. | |
| Q4. When will I receive my ID card? An email confirmation will be sent after purchase. The email will include links and instructions on how to access and print out your ID card. | |
| Q5. Can I extend the plan, if I plan to stay longer? Yes, if you buy the plan initially for more than 5 days, you can extend the policy. It is recommended to extend the plan at least two days before the policy expires. There is no Admin Fee for extension. The policy can be extended for up to a maximum of 365 days. | |
| Q6. Can I cancel the plan, if I plan to go back earlier? Yes, you can cancel and get a refund for the CoverAmerica - Gold Plan, if you need to go back earlier than plan. The following rules apply: | |
| Q7. Are pre-existing conditions covered by the CoverAmerica - Gold Plan? Pre-existing conditions are not covered by any travel insurance plan. The CoverAmerica - Gold plan covers for an acute onset of pre-existing conditions for people up to 79 years of age. Coverage amounts vary by age as shown in the Summary of Benefits section of this brochure. An acute onset of a pre-existing condition shall mean a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms and requires urgent care. The Acute onset of a Pre-Existing Condition(s) must occur after the Effective Date of the Certificate. Treatment must be obtained within 24 hours of the sudden and unexpected recurrence. A Pre-existing Condition that is a congenital condition or that gradually becomes worse over time will not be considered acute onset. A pre-existing condition will not be considered an Acute Onset if during the 30 days prior to the acute event you had a change in prescription or treatment for a diagnosis related to the acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of Coverage. There is no coverage for people above 79 years of age. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition. | |
| Q8. How does the Public Emergency Health Screening Work? The Public Emergency Health Screening benefit will allow an insured person who has 30 days or more of coverage the ability to get a one-time screening up to $150. A screening that results in a positive test during a travel warning of any kind in the destination country will not grant coverage for treatment and services. This benefit is ONLY for a public health emergency screening. Treatment and services are subject to the terms and conditions of the certificate. Please review the policy certificate for limits and exclusions. Description of Coverage | |
| Q9. How does the Influzena (flu) Vaccination Work? The Influenza (flu) Vaccination benefit will allow an insured person who has 30 days or more of coverage the ability to get a one-time flu vaccination up to $50. The benefit is only available in the United States and has a $25 co-pay. Treatment and services are subject to the terms and conditions of the certificate. Please review the policy certificate for limits and exclusions. Description of Coverage | |
| Q10. What is Adventure Sports Coverage? Adventure Sports are usually not covered in travel medical policies. With additional premium you can purchase the optional Adventure Sports Rider Coverage. This would cover for the following sports and activities: motorcycle /motor scooter riding (whether as a passenger or a driver), hang gliding, Parachuting, zip lining, parasailing, bungee jumping, water skiing, wakeboard riding, jet skiing, windsurfing, snowmobiling, and spelunking | |
| Q11. Which doctor or hospital can I go to? You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for CoverAmerica Gold. You can search for doctors or hospitals on this Provider Directory. | |
| Q12. How do I use this insurance? Please refer to the following article about the policy usage: How to use Visitor Insurance? | |
| Q13. How do I file a claim? Please refer to the following article concerning the claim process: | |
| Q14. When I buy this plan, do I need to make the full payment at once or do I have the option of paying it on a monthly basis? Payment in full is required in order for coverage to begin. There is no monthly payment options. You can choose to renew your coverage monthly. There is a $5 extension fee applied for each extension done. | |
Q15. Who qualifies for the CoverAmerica-Gold preferred rate? Anyone who has purchased a CoverAmerica-Gold policy on or after April 1, 2020 is eligible for the preferred rate. The insured name and date of birth should match exactly what was inputted on the previously purchased CoverAmerica-Gold plan to qualify for the lower rate. | |
Q16. How much lower is the preferred rate for returning customers? Returning customers will enjoy a preferred rate that is approximately 5% lower. | |
| Q17. Is the preferred rate valid on extensions and renewals? If the preferred rate was applied during the original purchase of the policy then extensions and renewals on that same policy will receive the preferred rate. | |
| Q18. Does CoverAmerica Gold cover coronavirus? If you purchased CoverAmerica Gold on or after September 1, 2020, CoverAmerica Gold will cover COVID-19 as any other eligible illness. The condition must not have been contracted before the policy effective date and a minimum of 30 days of coverage will need to be purchased. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub. | |
| Q19. When does my coverage start on my travel medical insurance plan? Coverage on a travel medical insurance plan will begin on the date of departure and once the traveler has left their home country. Coverage areas are anywhere outside ones' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country. | |
| Q20. Where can I find answers to other questions I have? Please refer to Visitors Insurance FAQs section. Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer to your policy papers/guidelines and contact the Provider for up-to-date information | |
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.
