CoverAmerica - Gold
- AM Best Rating
- A (Excellent)
- Seven Corners
C&F Crum & Forster
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
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
Dr. / Physician Visit
Prescription Drugs / Medicines
Lab & X-rays
Hospital Intensive Care Unit
Acute, spontaneous and unexpected pain
Emergency Medical Evacuation / Repatriation
Return of Remains
Return of minor Child(ren)
Loss of checked Baggage
Common Carrier Accidental Death
General Physical full Checkup
24-Hrs Emergency Assistance
Plan Administrator Company
Carrier / Underwriter
C&F Crum & Forster
Available for Non US Citizens and Non US Residents, traveling to the USA for a short trip.
Comprehensive Coverage Plan
Percentage based coverage.
AM Best Rating
Coverage in U.S.A.
Coverage outside U.S.A.
Urgent care consultation copay $25 for $50,000 policy maximum and $20 for $100,000 policy maximum or higher.
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.
Lifetime of the policy
Once Annually or Per Policy Period.
Renewable with $5 fee each time you renew up to a maximum period of 364 days.
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)
Min 5 Days to 364 days
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
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
By Provider, Phone Nos. : 800-335-0477 or 317-575-2656
Home Country Definition
The country where the covered person has his/her true, fixed, permanent home and principal establishment.
US States 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
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.