CoverAmerica - Gold
Comprehensive Coverage- AM Best Rating
- A (Excellent)
- Administrator/Underwriter
- Seven Corners
C&F Crum & Forster
In Network
After deductible, the plan pays 100% up to the policy maximum.
Acute onset of Pre-Existing Conditions
Medical Coverage During Travel
Renewable & Cancelable
Comprehensive Coverage Plan
Coverage from 5 days to 364 days
PPO
PHCS Urgent Care
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 100% of URC up to the policy maximum of eligible medical expenses. Outside the USA, after the deductible is satisfied, the plan will pay 100% up to the chosen policy maximum.
Disclaimer: Exclusions and limitations apply - see program summary for details in the Description of Coverage. Please see page 12 on the summary of details of FAQ Q6 for the exclusions and limitations. Please review CoverAmerica- Gold Brochure 
or Description of Coverage (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
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
100% of URC for all eligible medical expenses up to the policy maximum
Urgent Care
- $25 copay for policy max of $50,000
- $20 copay for policy max $100,000 or more
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
100% of URC for all eligible medical expenses 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
100% of URC for all eligible medical expenses 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
100% of URC for all eligible medical expenses 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
100% of URC for all eligible medical expenses 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
100% of URC for all eligible medical expenses 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
100% of URC for all eligible medical expenses
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
100% of URC for all eligible medical expenses
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
URC for all eligible medical expenses
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. Coverage starts after 30 days of continuous coverage
Accidental emergency
After deductible is met:
Within PPO Network
100% covered for all eligible medical expenses up to policy maximum
Outside PPO Network
URC for all eligible medical expenses
Policy has to be purchased for more than 30 days
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. 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
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
Pre-Existing Conditions
Coverage is available for acute onset of pre-existing conditions
This benefit begins 7 days after the policy goes into effect
Up to age 69
Maximum coverage $125,000
For Cardiac and Stroke: Maximum coverage $36,000
Maternity
Not Covered
General Physical full Checkup
Not Covered
Terrorism Coverage
Up to policy maximum chosen
Brochure
Support
24-Hrs Emergency Assistance
Yes. Contact Number and details can be found on the ID card.
Plan Administrator Company
Seven Corners
Carrier / Underwriter
C&F Crum & Forster
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.
AM Best Rating
A (Excellent)
Coverage in U.S.A.
Covered
Coverage outside U.S.A.
Covered
Co-Pay
Urgent care consultation copay $25 for $50,000 policy maximum and $20 for $100,000 policy maximum or higher.
Co-Insurance
After the deductible is satisfied, the plan pays 100% of all eligible medical expenses up to the medical maximum within the PHCS 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.
Coverage Type
Lifetime of the policy
Deductible Type
Once Annually or Per Policy Period.
Renewability
Renewable with $5 fee each time you renew up to a maximum period of 364 days.
Cancellation
Full refund available if cancelled before start date. Pro-rated refund available after start date if no claims have been made( $25 Cancellation Fee Applicable)
PPO Network
Coverage Length
Min 5 Days to 364 days
Available Deductibles
Age up to 69 Choose from:$100; $250; $500; $1,000; $2,500; $5,000
Age 70-79 Choose from: $1,000; $2,500; $5,000
Available Coverage
Choose From: $50,000; $100,000; $250,000; $500,000; $1,000,000
Ages 70 to 79: Limited to $50,000; $100,000
Ages 80 and over: No coverage available
Provider Directory
By Provider, Phone Nos. : 800-335-0477 or 317-575-2656
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
Not available to the residents of the following countries:Islamic Republic of Iran, Syrian Arab Republic, U.S. Virgin Islands, Gambia, Ghana, Nigeria and Sierra Leone
CoverAmerica - Gold Insurance FAQs | |
| Q1. Am I eligible for the CoverAmerica - Gold? The CoverAmerica - Gold plan is available for: | |
| Q2. What Information do I need to buy the Plan? You would need the names, dates of birth, passport numbers of the visitors, and a valid credit card to buy the plan. | |
| Q3. When will I receive my ID card? You can print out your ID card from your confirmation e-mail and it will be used as proof of insurance. | |
| Q4. Can I renew the plan, if I plan to stay longer? Yes, if you buy the plan initially for more than 5 days, you can renew the policy. You would need to renew the plan at least two days before the policy expires. There would be an extra $5 renewal charge. The policy can be renewed for up to a maximum of 364 days. | |
| Q5. 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: | |
| Q6. 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. This benefit is available 7 days after your coverage begins. Coverage amounts vary by age as shown in the Summary of Benefits section of this brochure, and there is an optional increase in coverage available if you are age 70-79. 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 an 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. This benefit becomes available 7 days after the Effective Date of policy. 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. | |
| Q7. What is Hazardous Sports Coverage? Adventure Sports are usually not covered in travel medical policies. With additional premium you can purchase the optional Hazardous Spots 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 | |
| Q8. 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. | |
| Q9. How do I use this insurance? Please refer to the following article about the policy usage: How to use Visitor Insurance? | |
| Q10. How do I file a claim? Please refer to the following article concerning the claim process: | |
| Q11. 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? Based on the desired coverage length you have selected, you have to make the full payment at once. Since this plan is renewable you can renew it anytime you would like to before the policy expires. There is a renewable fee of $5 that associated with the renewal. | |
| Q12. 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.
