CA-G

CoverAmerica - Gold

Underwriter: Lloyd's of London
Policy info
Plan Administrator: Seven Corners
Carrier: Lloyd's of London
AM Best Rating: A(Excellent)

CoverAmerica - Gold is a visitor insurance plan that provides medical insurance coverage and emergency services to individuals and families traveling outside their home country. After the deductible is satisfied, Within the PPO Network, the plan pays 100% up to the policy maximum. Outside the PPO network, the plan pays 80% for the first $5,000 and 100% thereafter towards eligible covered expenses for each sickness or injury.

Please review CoverAmerica- Gold Brochure brochure or Description of Coverage brochure (policy document) for complete and accurate coverage information.

CoverAmerica - Gold Insurance plan requires pre-certification for certain services and treatments. Read more on Pre-Certification Requirements for CoverAmerica - Gold

All coverage is based on usual, reasonable, and customary expenses. See plan brochure and description of coverage for detailed coverage.

Here is a complete list of benefits of CoverAmerica - Gold
Dr. / Physician Visit
After deductible is met,
Within PPO network: 100% covered up to policy maximum
Outside PPO Network 80% covered for first $5000,
100% covered thereafter, up to policy maximum
Urgent Care
$30 co-pay for Urgent care consultation. For all other services that take place in the Urgent Care,After deductible is met,
Within PPO network: 100% covered up to policy maximum
Outside PPO Network 80% covered for first $5000,
100% covered thereafter, up to policy maximum
Surgical Treatment
After deductible is met,
Within PPO network: 100% covered up to policy maximum
Outside PPO Network 80% covered for first $5000,
100% covered thereafter, up to policy maximum
Prescription Drugs / Medicines
80% covered for first $5000,
100% covered thereafter
Lab & X-rays
After deductible is met,
Within PPO network: 100% covered up to policy maximum
Outside PPO Network 80% covered for first $5000,
100% covered thereafter, up to policy maximum
Physical Therapy
After deductible is met, the plan will pay up to URC.
Within PPO network: 100% covered up to policy maximum.
Outside PPO Network 80% covered for first $5000,
100% covered thereafter, up to policy maximum
Hospital Room
After deductible is met,
Within PPO network: 100% covered up to policy maximum
Outside PPO Network 80% covered for first $5000,
100% covered thereafter, up to policy maximum
Surgical Treatment
After deductible is met,
Within PPO network: 100% covered up to policy maximum
Outside PPO Network 80% covered for first $5000,
100% covered thereafter, up to policy maximum
Hospital Intensive Care Unit
After deductible is met,
Within PPO network: 100% covered up to policy maximum
Outside PPO Network 80% covered for first $5000,
100% covered thereafter, up to policy maximum
Ambulance Expenses
Reasonable and Customary up to policy maximum
Emergency Room(ER)
After deductible is met,
Within PPO network: 100% covered up to policy maximum Outside PPO Network 80% covered for first $5000,
100% covered thereafter, up to policy maximum.
For ER visits for sickness, 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
Acute, spontaneous and unexpected pain
Up to $250. Coverage starts after 30 days of continuous coverage
Accidental emergency
After deductible is met, within PPO network: 100% covered up to policy maximum Outside PPO Network 80% covered for first $5000,
100% covered thereafter, up to policy maximum. Policy has to be purchased for more than 30 days
Emergency Medical Evacuation / Repatriation
Up to $1000,000. Covered for any sickness or injury, including pre-existing conditions
Return of Remains
Up to $25,000. Includes coverage for death due to pre-existing conditions
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 $250
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)
Pre-Existing Conditions
Coverage available for acute onset of pre-existing conditions
This benefit starts 48 hours after policy becomes effective

Up to age 69: Maximum coverage $125,000
For Cardiac and Stroke: Maximum coverage $36,000

Age 70-79: Maximum coverage up to $30,000
Optional additional $20,000 can be purchased as the time of purchase, with additional premium.
For Cardiac & Stroke: Up to maximum $30,000
The optional purchase of acute onset of pre-existing condition, would not increase the coverage for Cardiac Care or Stroke.
Maternity
Not Covered
General Physical full Checkup
Not Covered
Terrorism Coverage
Up to policy maximum chosen
24-Hrs Emergency Assistance
Yes. Contact Number and details can be found on the ID card.
Disclaimer
The comparison of insurance plans shown below is generic and 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 Benifits, 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.