Visitors to the USA
CoverAmerica-Goldî
Comprehensive Coverage,
Sirius Specialty Insurance Corporation
Best for:
Preferred rate available.Learn more
Why CoverAmerica-Gold? Best Seller
CoverAmerica-Gold is an A- rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for visitors to the U.S during their travel and temporary stay outside of their home country. 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. The coverage duration available is from 5 days to 365 days.
CoverAmerica-Gold can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date. The plan offers a Public Health Emergency Screening benefit, along with Quarantine Indemnity coverage if a policyholder is ordered to quarantine by an authorized attending physician.
CoverAmerica-Gold does not cover Pre-Existing medical conditions. Please review CoverAmerica-Gold?s policy documents for complete coverage and exclusions.
Learn more about 3 optional add-on benefits available on this plan.
How CoverAmerica-Goldî Works
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 policy maximum. Outside of the PPO network, the plan will pay 80% of the first $5,000 in eligible medical expenses 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
Key Travel Medical Insurance Benefits
Here are some of the top benefits, for your convenience*
Preferred Rates
Available
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
$250 copay, 100% up to Policy Maximum
Hospitalization
100% up to policy maximum
Urgent Care
$15 copay, 100% up to Policy Maximum
Prescription
100% up to Policy Maximum
Preferred Rates
Available
Emergency Room
$250 copay, 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
100% up to Policy Maximum
*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge.
Why 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.
- COVID-19/Coronavirus covered as any other covered medical condition
- COVID-19 Screening benefit.
- COVID-19 Quarantine benefit.
- Covers travel to the U.S. and incidental trips to Canada, Mexico, Central America, Caribbean, and South America.
CoverAmerica-GoldâÃÂÃÂs Advantages
| Outstanding Benefits | CoverAmerica-Goldî | 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 |
Flu Shot Benefit |
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COVID-19/Coronavirus Screening Benefit |
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COVID Quarantine Benefit |
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Lost or Stolen Passport or Travel Document |
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Travel Delay |
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| Border Entry Protection Benefit- In case a valid visa holder is denied entry into the U.S |
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| Insurance ID cards downloadable to iPhone and Android Wallets |
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Eligibility
- For non U.S. residents and non U.S. citizens, 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
How COVID-19 is Covered Under CoverAmerica-Goldî
COVID-19 Medical Expenses
Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.
COVID-19 Testing
Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.
Public Health Emergency Screening (COVID-19 Test)
One-time benefit to cover the cost of a COVID-19 test up to $150. The policyholder does not need to have symptoms or a physician order to utilize the benefit.
COVID-19 Vaccination/Booster
COVID-19 vaccination/booster is not covered under the policy.
Quarantine Benefit
A quarantine indemnity benefit of up to $50/day for 10 days.
Emergency Medical Evacuation
Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.
Similar Plans
Atlas America
Comprehensive Coverage
Underwriter: Lloyd's of London
Best for:
Visitors to the USA
In Network:100% up to policy maximum.
Out of Network:100% up to policy maximum.
Direct Billing: Through United Healthcare PPO Network
In Network:100% up to policy maximum.
Out of Network:100% up to policy maximum.
Direct Billing: Through United Healthcare PPO Network
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 100% of eligible medical expenses up to the policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Dental Coverage
- Emergency Eye Exam Coverage
- Prescriptions/Medication
- COVID-19 Coverage: Included
- Pre-Existing Conditions: No Coverage
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.
Personal Liability Benefit Rider
This rider allows you to purchase an additional $90,000 in Personal Liability coverage. As Atlas Travel provides $10,000 in Personal Liability coverage in the base plan, purchasing this rider would increase the total Personal Liability benefit to $100,000 for only $0.35 / person / day.
| Base PL Coverage | Additional PL Coverage Available | Total PL Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
Crisis Response Benefit Rider
This rider allows you to purchase an additional $90,000 in Crisis Response coverage. As Atlas Travel provides $10,000 in Crisis Response coverage in the base plan, purchasing this rider would increase the total Crisis Response benefit to $100,000 for only $1.40 / person / day.
| Base CR Coverage | Additional CR Coverage Available | Total CR Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
Accidental Death and Dismemberment Coverage
This rider, available to Members age 18 to 69, allows purchase of additional Accidental Death and Dismemberment (AD&D) coverage. Coverage may be increased to equal the medical maximum coverage amount. The AD&D benefit is not subject to the overall policy maximum. Accidental Death and Dismemberment coverage provides benefits in the event of your death or loss of limb due to an accident. It does not cover certain activities and conditions, as listed in the policy. As Atlas Travel provides $25,000 in AD&D coverage to Members age 18 to 69 in the base plan, this rider would increase the total AD&D benefit to $50,000 for only $0.35 / person / day.
| Base AD&D Coverage | Additional AD&D Coverage Available | Total AD&D Coverage Amount |
|---|---|---|
| $25,000 | $25,000 | $50,000 |
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.
Patriot America Plus
Comprehensive Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
In Network:100% up to policy maximum.
Out of Network:80% of first $5000, 100% thereafter.
Direct Billing: Through United Healthcare PPO Network
In Network:100% up to policy maximum.
Out of Network:80% of first $5000, 100% thereafter.
Direct Billing: Through United Healthcare PPO Network
- 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
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- COVID-19 Coverage: Included
- Pre-Existing Conditions: No Coverage
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. 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; amusement/theme park activities; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wakeboarding; water skiing; wildlife safaris; and windsurfing.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Accidental Death and Dismemberment
This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. This rider is available with a minimum purchase of three months of medical and AD&D rider coverage.
Device Protection Rider
The optional Device Protection Rider offers coverage for replacement or reimbursement for Loss, theft, or repair services for damages, including accidental damage, liquid damage, malfunction, and/or screen break, of an Insured PersonâÃÂÃÂs cellular phone during normal usage of the Insured PersonâÃÂÃÂs cellular phone during the period of coverage. Replacement parts will be new, rebuilt, or non-original manufacturer's parts that perform to the factory specifications of the device at the Service ProviderâÃÂÃÂs sole discretion.
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.
Patriot Platinum
Comprehensive Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
In Network:100% up to policy maximum.
Out of Network:90% of first $5000, 100% thereafter.
Direct Billing: Through United Healthcare PPO Network
In Network:100% up to policy maximum.
Out of Network:90% of first $5000, 100% thereafter.
Direct Billing: Through United Healthcare PPO Network
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 90% of eligible medical expense up to $5,000, then 100% thereafter
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- COVID-19 Coverage: Included
- Pre-Existing Conditions: No Coverage
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; amusement/theme park activities; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wakeboarding; water skiing; wildlife safaris; and windsurfing.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Accidental Death and Dismemberment
This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. This rider is available with a minimum purchase of three months of medical and AD&D rider coverage.
Device Protection Rider
The optional Device Protection Rider offers coverage for replacement or reimbursement for Loss, theft, or repair services for damages, including accidental damage, liquid damage, malfunction, and/or screen break, of an Insured PersonâÃÂÃÂs cellular phone during normal usage of the Insured PersonâÃÂÃÂs cellular phone during the period of coverage. Replacement parts will be new, rebuilt, or non-original manufacturer's parts that perform to the factory specifications of the device at the Service ProviderâÃÂÃÂs sole discretion.
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.
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.
