This plan is improved and updated as of March 30, 2020. If you have questions about a policy purchased before March 30, 2020 , click here.
CA-G

CoverAmerica - Gold

Comprehensive Coverage
AM Best Rating
A (Excellent)
Administrator/Underwriter
IMG
Sirius International
100%
In Network

After deductible, the plan pays 100% up to the policy maximum.

80%
Out of Network

Plan pays 80% of the first $1,000 then 100% up to the policy maximum.

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Acute onset of Pre-Existing Conditions
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Medical Coverage During Travel
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Renewable & Cancelable
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Comprehensive Coverage Plan
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Coverage from 5 days to 365 days
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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 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 $1,000 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 $1,000 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 $1,000 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 $1,000 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 $1,000 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 $1,000 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 $1,000 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 $1,000 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 $1,000 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 $1,000 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

24-Hrs Emergency Assistance

Yes. Contact Number and details can be found on the ID card.

Plan Administrator Company

IMG

Carrier / Underwriter

Sirius International

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 $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

Renewable with $5 fee each time you renew up to a maximum period of 365 days.

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

United Healthcare

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 70 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

CoverAmerica Gold Insurance Brochure 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:

  • Non-US citizen or Non US residents on a visitor's visa traveling to the USA.
  • It is not available for US citizens, US Green Card Holders or long term visa holders, who stay in the USA permanently, and pay taxes in the USA.
  • It is also 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.
  • It also covers for incidental trips from USA to Canada, Mexico, Bahamas, South America & North America. .
  • The plan is available for a minimum of 5 days and a maximum of 365 days.
  • Q2. 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.

    Q3. 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.

    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 extend the policy. It is recommended to extend the plan at least two days before the policy expires. There is a $5 extension fee added to the premium for the additional days of coverage. The policy can be extended for up to a maximum of 365 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:
    1) You will get the full refund back if you cancel the policy before the policy start date.
    2) After the start date, you can get refund back, only if you do not need to visit the doctor/provider while the policy is in force.
    3) You can get a pro-rated refund for the number of days left in the policy
    4) If there is any claim on file, you would not get any refund back.
    5) Written request is required for any cancellation.

    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. 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 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. 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. 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

    Q7. 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

    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:
    Visitor Insurance 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?

    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.

    Q12. Where can I find answers to other questions I have?

    Please refer to Visitors Insurance FAQs section.
    Learn more from informative articles at Visitor Insurance Information section. If you still have questions, please call our support line toll free: 1.866.384.9104

    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

    Q13. Does CoverAmerica Gold cover coronavirus?

    Depending on when you purchased a travel insurance policy and the type of plan purchased, coverage for coronavirus, if any, may vary. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

    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.