Visitors to the USA
CoverAmerica-Gold®
Best Seller Comprehensive A.M. Best Rating: A
Comprehensive A.M. Best Rating: A
CoverAmerica-Gold (A.M. Best Rating: A) is a comprehensive travel medical insurance plan for international visitors traveling to the United States. It offers broad medical coverage for eligible new illnesses and injuries, access to the UnitedHealthcare PPO network, helping protect travelers during their trip. Coverage is available 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 selected policy maximum. Outside of the PPO network, the plan will pay 80% up to the first $5,000, then 100% thereafter in eligible medical expenses, up to the selected policy maximum.
CoverAmerica-Gold has a unique feature called US Border Entry Protection Benefit. This benefit is designed for foreign travelers entering the United States, helping mitigate the financial risk associated with being denied entry at a U.S. port of entry.
CoverAmerica-Gold does not cover pre-existing conditions. CoverAmerica-Gold includes acute onset coverage of pre-existing conditions up to the policy maximum through age 69 (cardiac/stroke up to $36,000) and up to $30,000 for ages 70–79.
Review the CoverAmerica-Gold policy documents for complete coverage details, exclusions, and limitations.
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 selected policy maximum. Outside of the PPO network, the plan will pay 80% up to the first $5,000, then 100% thereafter in eligible medical expenses, up to the selected policy maximum.
CoverAmerica-Gold has a unique feature called US Border Entry Protection Benefit. This benefit is designed for foreign travelers entering the United States, helping mitigate the financial risk associated with being denied entry at a U.S. port of entry.
CoverAmerica-Gold does not cover pre-existing conditions. CoverAmerica-Gold includes acute onset coverage of pre-existing conditions up to the policy maximum through age 69 (cardiac/stroke up to $36,000) and up to $30,000 for ages 70–79.
Review the CoverAmerica-Gold policy documents for complete coverage details, exclusions, and limitations.
Learn more about 3 optional add-on benefits available on this plan.
How CoverAmerica-Gold® Works
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.
Out of Network
1.
80%
After deductible, insurance pays 80% of first $5000
Then
2.
100%
Insurance pays 100% up to policy maximum
PPO Network for CoverAmerica-Gold®
Inside the USA
The PPO provider for CoverAmerica-Gold® Insurance is United Healthcare, a network recognized by all major hospitals and healthcare facilities.
When visiting a healthcare facility, remember to mention United Healthcare as your PPO provider. CoverAmerica-Gold® policy holders should visit providers listed within the United Healthcare directory to take advantage of in-network benefits.
Outside the USA
There is no PPO network outside the United States. If your plan allows for coverage outside of the United States, you can view the international list of providers for IMG.
Key Travel Medical Insurance Benefits
Here are some of the top benefits, for your convenience*
Ambulance
100% of urc, up to Policy Maximum
Acute Onset of Pre-Existing Conditions
- Up to policy maximum: Age 69 and below
- Up to $30000: Age 70 and above
PPO Network
Medical Evacuation
Up to $1000000
Emergency Room
100% up to Policy Maximum
Hospitalization
100% up to policy maximum
Urgent Care
$15 copay, 100% up to Policy Maximum
Prescription Rx - Medicine
100% up to Policy Maximum
Ambulance
100% of urc, up to Policy Maximum
Emergency Room
100% up to Policy Maximum
Acute Onset of Pre-Existing Conditions
- Up to policy maximum: Age 69 and below
- Up to $30000: Age 70 and above
Hospitalization
100% up to policy maximum
PPO Network
Urgent Care
$15 copay, 100% up to Policy Maximum
Medical Evacuation
Up to $1000000
Prescription Rx - Medicine
100% up to Policy Maximum
*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage benefits, exclusions and age limits. Optional add-on benefits are available for an additional charge.
Why Choose 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
- Border Entry Protection in the event entry to the United States is denied
- Trusted by over 200K travelers
- Benefits specially designed for foreign Visitors to the US
- UnitedHealthcare PPO - Most popular and extensive network of hospitals, doctors and health service providers in the US
- Covers travel to the U.S. and incidental trips to Canada, Mexico, Central America, Caribbean, and South America
CoverAmerica-Gold® Advantages
| 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 |
| Border Entry Protection Benefit- In case a valid visa holder is denied entry into the U.S | Covered | Not Covered |
Flu Shot Benefit | Covered | Not Covered |
COVID-19/Coronavirus Screening Benefit | Covered | Not Covered |
COVID Quarantine Benefit | Covered | Not Covered |
Lost or Stolen Passport or Travel Document | Covered | Not Covered |
Travel Delay | Covered | Not Covered |
| Insurance ID cards downloadable to iPhone and Android Wallets | Covered | Not Covered |
Eligibility for CoverAmerica-Gold®
- Available for B1 and B2 visa holders, non-immigrant visa holders, or under the visa waiver program residing outside of the U.S., while traveling to the United States and for incidental trips to Canada, Mexico, Central America, Caribbean, and South America.
- Coverage begins once the policyholder has left their home country and has entered one of the eligible destination countries (or) is in transit to another eligible country after the USA
- 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.
- Plan can be purchased after arrival at the destination
Medical Coverage
Medical coverage details.
Eligible Medical Expenses
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
80% of first $5,000, 100% thereafter
Available Policy Maximums
Available Policy Maximums
Limits may vary based on age or destination of traveler
Available Deductibles
Available Deductibles
Limits may vary based on age or destination of traveler
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
Pre-Existing Conditions
Pre-Existing Conditions
Pre-existing conditions are typically not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:
Please review your policy document for any other limits or exclusions.
Acute onset Pre-Existing Condition
Acute onset Pre-Existing Condition
- Up to policy maximum: Age 69 and below
- Up to $30,000: Age 70 and above
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
Prescription Drugs / Medicines
Prescription Drugs / Medicines
100% up to Policy Maximum
Dr. / Physician Visit
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
80% of first $5,000, 100% thereafter
Urgent Care
In-Network
In-Network
$15 copay, 100% up to Policy Maximum. Copay waived if $0 deductible is selected.
Out-Network
Out-Network
$15 copay, 80% of the first $5,000, 100% thereafter. Copay waived if $0 deductible is selected.
Surgical Treatment
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
80% of first $5,000, 100% thereafter
Lab & X-rays
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
80% of first $5,000, 100% thereafter
In-Patient
Medical treatment that includes an overnight stay at a hospital.
Hospital Room and Board
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
80% of first $5,000, 100% thereafter
Dr. / Physician Visit
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
80% of first $5,000, 100% thereafter
Surgical Treatment
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
80% of first $5,000, 100% thereafter
Emergency Services
Hospital emergency services (certain limits may apply).
Ambulance Expenses
In-Network
In-Network
No PPO - Out of network coverage applies
Out-Network
Out-Network
100% of urc, up to Policy Maximum
Emergency Room
In-Network
In-Network
Up to 100% coverage. Additional $250 deductible for illnesses that do not result in a hospital admission
Out-Network
Out-Network
Up to 80% of the first $5,000, 100% thereafter. Additional $250 deductible for illnesses that do not result in a hospital admission
Dental Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
Dental Emergency
Dental Emergency
Up to $300
Travel Coverage
Travel-related coverage
US Border Entry Protection
US Border Entry Protection
One way ticket and/or common carrier change fees up to $750
Emergency Medical Evacuation / Repatriation
Emergency Medical Evacuation / Repatriation
Up to $1,000,000
Return of Mortal Remains
Return of Mortal Remains
Up to $25,000
Trip Interruption
Trip Interruption
Up to $10,000
Trip Delay
Trip Delay
Up to $100 (delay of 12hrs or longer)
Lost Luggage
Lost Luggage
Up to $1,000
Terrorism
Terrorism
Up to 100%
Personal Liability
Personal Liability
Up to $50,000
Identity Theft
Identity Theft
Up to $500
Legal Fees
Legal Fees
Up to $250
Lost or Stolen Passport
Lost or Stolen Passport
Up to $200
Missed Connection
Missed Connection
Up to $400
Other
Other types of coverage not mentioned above.
Doctor Wellness Visit
Doctor Wellness Visit
Not covered
Preferred Rates
Preferred Rates
Returning customers will enjoy a preferred rate that is approximately 5% lower. The preferred rate will only apply to the same policyholder(s) who purchase a new CoverAmerica-Gold policy.
Optional add-on benefits
More coverage options available for extra protection.
Adventure Sports Rider
Adventure Sports Rider
The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; whitewater kayaking or whitewater rafting in water less than Class V difficulty; wildlife safaris; and windsurfing.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Device Protection Rider
Device Protection Rider
Provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Telehealth
Telehealth
Telehealth provides access to a national network of board-certified doctors and pediatrician in the U.S who are available 24 hours a day, seven days a week, 365 days a year to help diagnose, treat, and prescribe medication (when necessary and available) for many non-emergent medical issues via phone or online video consultations. Telehealth does not replace existing primary care physician relationship, but supplements them as a convenient, affordable alternative for non-emergency medical care.
CoverAmerica-Gold® Exclusions
What is not covered
Manage Your Policy Online
Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.
Sign in to your accountHelpful Links
Claims Contact Information
Send Claim Form to:
Claims Department,International Medical Group, Inc. Attn: Claims Department P.O. Box 240429,
Apple Valley, MN 55124 USA
Apple Valley, MN 55124 USA
317-655-4500
imgcustomercare@imglobal.com
Administrator Contacts:
800-628-4664 or 317-655-4500
imgcustomercare@imglobal.com
Claims Form(s):
The CoverAmerica-Gold plan is available to B1/B2 visa holders, non-immigrant visa holders, and travelers entering the United States under the Visa Waiver Program who reside outside the U.S.
Pre-existing conditions are typically not covered by travel insurance. However, the CoverAmerica-Gold plan covers acute onset of pre-existing conditions for those up to 79 years old, starting 7 days after coverage begins. Coverage amounts vary by age. 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.
Acute onset means a sudden, unexpected recurrence that requires urgent care and happens after the policy starts. Treatment must be sought within 24 hours. Ongoing or congenital conditions and changes in treatment 30 days prior are not covered. Coverage is unavailable for those over age 79. Please review the Description of Coverage for more details.
CoverAmerica-Gold includes acute onset of a pre-existing condition up to the policy maximum for ages 69 and below. For individuals aged 70-79 years old, coverage is available up to $30,000 per policy period. Please Note: Chronic conditions are not considered acute.
You can visit any doctor or hospital of your choice. However, it is recommended to go within the PPO network for CoverAmerica-Gold. You can search for doctors or hospitals on this Provider Directory.
Yes, Border Entry Protection coverage is a unique feature of the CoverAmerica-Gold plan. It is available for people traveling to the USA on a B1 or B2 or tourism visa. For some reason, if the entry to the USA is denied at immigration, the insurance would cover up to $750 for one common carrier exchange fee, back to the insured person’s home country. Please review the policy documents for more benefit details and conditions.
CoverAmerica-Gold includes cardiac coverage for angina, heart attacks, and stroke up to $36,000 for individuals under 69 years old with no cardiac pre-existing conditions.
Please refer to the following article concerning the CoverAmerica-Gold claim process: Visitor Insurance Claim Process
The cost of CoverAmerica-Gold varies based on several qualifying criteria, such as the traveler's age, duration or length of trip, selected coverage benefit limits, and additional coverage options (riders). Typically, it can cost about $6 a day for a person 50 years of age, when selecting coverage area or destination of travel as the USA.
A typical travel medical insurance policy will cover medical emergencies, but the best policy would also offer comprehensive coverage for COVID-19. This means the insurance company will not only assist if you get sick but also reimburse you for delays, quarantines (enforced stays), or missed departures (missed connection). CoverAmerica-Gold provides all this and more. It is a true international travel medical insurance policy, offering much more than just basic COVID-19 coverage—it is a true Gold standard.
Please refer to the following article about the policy usage for CoverAmerica-Gold: How to use Visitor Insurance?
Yes, the CoverAmerica-Gold can be extended if a request is submitted before the expiration date. It is recommended to extend the plan at least two days before the policy expires. There is no admin fee for extension, and can be extended for up to a maximum of 365 days.
Yes, you can cancel and get a refund for the CoverAmerica-Gold plan, if you need to go back earlier than planned. The following rules apply:
1) You will receive a full refund if you cancel the policy before the policy start date.
2) After the start date, you may receive a pro-rated refund for the number of days remaining on the policy.
3) If there is any claim on file, there is no refund.
4) Written request is required for any cancellation.
You cannot remove one person from the CoverAmerica-Gold policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
In order to apply for CoverAmerica-Gold, you will need full name(s), coverage duration, date(s) of birth, home country address, and a valid credit card.
An email confirmation will be sent after purchase. The email will include links and instructions on how to access and print out your CoverAmerica-Gold ID card.
The Influenza (flu) Vaccination benefit will allow an insured person 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 deductible. 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
CoverAmerica-Gold will provide coverage in all eligible countries, except your Home Country and any restricted countries listed in the policy. Coverage is valid only within the policy dates. Note: If any part of your trip includes the United States, please select it as your destination country.
CoverAmerica-Gold can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
Yes, you may purchase CoverAmerica-Gold even after the traveler has entered their destination country. Eligible benefits and coverage will begin after the policy's effective start date.
Automatic monthly payment options are not available for CoverAmerica-Gold.
You can log into your account to submit a request to extend or renew your coverage each month before the policy expires. There are no additional fees applied when extending the policy.
CoverAmerica-Gold coverage begins on the selected date once the policyholder leaves their home country and only covers conditions occurring after this date.
Only the primary destination will be listed on the CoverAmerica-Gold policy documents, but all eligible countries will still be covered during the policy period.
CoverAmerica-Gold starts coverage on the date of departure (12:01 am EST) and once the traveler leaves their home country. Coverage applies if the initial destination country is the United States, and includes any subsequent travel to or within any of Canada, Mexico, Central America, Caribbean Islands, or South America as long the policy is active. Coverage ends immediately upon re-entry into the home country and at 12:01 am EST on the last coverage date.
The CoverAmerica-Gold plan does not extend or renew automatically. You can log into your account to submit a request to extend or renew your coverage before the policy expires. There are no additional fees applied when extending the policy.
Anyone who has purchased a CoverAmerica-Gold policy on or after April 1, 2020 may qualify for the preferred rate. To be eligible, the insured's first name, middle name (if applicable), last name, and date of birth must exactly match the information used on the previously purchased CoverAmerica-Gold policy.
The preferred rate, which is approximately 5% lower than the standard rate, is automatically applied during checkout for eligible returning customers.
The CoverAmerica-Gold 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 sign in to your account to view your plan specific documents for any limits or exclusions.
The CoverAmerica-Gold plan does offer a daily quarantine indemnity benefit. The quarantine indemnity benefit can provide a policyholder a fixed monetary amount to cover additional expenses while ordered to quarantine. Please review the policy documents for limits and exclusions.
Only the primary traveler on the original CoverAmerica-Gold policy will be eligible for the preferred rate. The spouse and/or dependent will not receive the lower rate if they purchase the plan as the primary applicant for coverage when traveling back to the U.S.
However, after purchasing CoverAmerica-Gold as the primary traveler, the spouse or dependent would be eligible for the preferred rate each time they purchase the plan for coverage in the U.S.
However, after purchasing CoverAmerica-Gold as the primary traveler, the spouse or dependent would be eligible for the preferred rate each time they purchase the plan for coverage in the U.S.
If the CoverAmerica-Gold preferred rate was applied during the original purchase of the policy then extensions and renewals on that same policy will receive the preferred rate.
This is a discount savings program available to certificate holders of the CoverAmerica-Gold plan. This program allows card members to purchase prescriptions at one of over 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price.
This discount program is not insurance coverage. It is purely a discount program to purchasers of the CoverAmerica-Gold plan. Use of the discount card does not guarantee that prescribed medication is covered under the insurance benefit plan.
Retrieve your Rx Discount card on imglobal.com: Get Rx Discount Card
The insurance provider recommends submitting correction requests in writing, as your CoverAmerica-Gold policy is a legally enforceable document. Once received, we forward the request to the provider, who will process requests in the order they are received. It typically take 3-5 business days, for the correction to be completed. To avoid errors and corrections, please double-check your application before purchasing.
Adventure Sports:The Adventure Sports Rider offered in the CoverAmerica-Gold plan is available for travelers up to the age of 65 and must be purchased at the time of application. The rider is designed to cover a policyholder while participating in the following activities if the activity is solely for leisure, recreation or entertainment purposes:abseiling, BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wildlife safaris; and windsurfing.
All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity.
PLEASE NOTE: Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.
CoverAmerica-Gold's telehealth rider is an optional benefit that provides 24/7 access to U.S. board-certified doctors and pediatricians for diagnosis, treatment, and prescriptions for new illnesses or injuries via phone or video.
CoverAmerica-Gold's Mobile Device Protection Rider is an optional benefit that provides coverage for the repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip.
If your original payment method for CoverAmerica-Gold is invalid, refunds will require a wire or ACH transfer. Please provide the account holder's full address, account type (checking/savings), and complete bank information for processing.
Learn more from informative articles at Visitor Insurance Information section.
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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.
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Adventure Sports Rider
The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; whitewater kayaking or whitewater rafting in water less than Class V difficulty; wildlife safaris; and windsurfing.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Device Protection Rider
Provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Telehealth
Telehealth provides access to a national network of board-certified doctors and pediatrician in the U.S who are available 24 hours a day, seven days a week, 365 days a year to help diagnose, treat, and prescribe medication (when necessary and available) for many non-emergent medical issues via phone or online video consultations. Telehealth does not replace existing primary care physician relationship, but supplements them as a convenient, affordable alternative for non-emergency medical care.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
