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. The coverage duration available is 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 policy maximum. Outside of the PPO network, the plan will pay 80% of the first $5,000 in eligible medical expenses then 100% thereafter.  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. 

Key Highlights:

  • Plan pays 100% in the network after the applicable deductible. For the covered benefit as per the policy.
  • No cancellation fee
  • COVID-19 Coverage and Daily Quarantine Benefit
  • Urgent Care Visit with only $15 copay
  • Covers Acute Onset of Pre-existing Conditions
  • Border Entry Protection, includes if denied entry due to COVID-19
  • Emergency Dental Treatment & Eye Exam
  • Emergency Medical Reunion
  • Return of Mortal Remains
  • Natural Disaster & Terrorism Coverage
  • Political Evacuation and Repatriation Coverage
Key Highlights

Best Suitable Plan For

Parents visiting USA
Non-US Citizens visiting USA
B1/B2 Visa Holders to the USA
Plan Details

Insurance Provider

International Medical Group (IMG)


Plan Underwriter

SiriusPoint Speciality Insurance Corporation


Plan Rating

A.M. Best Rating: A


Plan Category

Travel Medical Insurance


Plan Type

Comprehensive Coverage


PPO Network

United Healthcare PPO Network

Plan Eligibility

Eligibility

For non U.S. residents and non U.S. citizens, while traveling to the United States and for incidental trips to Canada, Mexico, Latin America, Bahamas and South America


Age for Coverage

14 days to 79 years


Coverage Duration

Minimum of 5 days to a maximum of 365 days


Extendable

Yes, up to 365 days

Policy Maximum, Deductibles & Medical Coverage Limits

Period of Coverage

5 days up to 12 months


Period of Coverage limit

Through age 64: $50,000, $100,000, $250,000
Ages 65 through 79: $50,000, $100,000


Deductible Options

Through Age 69: $100, $250, $500, $1,000, $2,500, or $5,000
per Insured Person, as indicated in the Declaration
Ages 70 through 79 when the $100,000 Period of Coverage
limit is elected: $1,000, $2,500, or $5,000 per Insured Person, as indicated on the Declaration


Coinsurance

In-Network: Plan pays 100% Insured pays 0%
Out-of-Network: Plan pays 80% Insured pays 20% (out-of-pocket maximum $1,000)


Pre-Existing Conditions

Acute Onset of Pre-Existing Conditions

Through age 69: up to the Period of Coverage limit
Except Cardiac Coverage for Angina, Heart Attacks and Stroke: Maximum Limit $36,000

Ages 70 through 79: Maximum Limit: $30,000
Except Cardiac Coverage for Angina, Heart Attacks and Stroke: Not covered

Emergency Coverage
NOT Subject to Deductible and Coinsurance unless otherwise noted Eligible
Medical Expenses are limited to Usual, Reasonable and Customary
Maximum Limits per Period of Coverage unless otherwise stated

Emergency Local Ambulance

Subject to Deductible and Coinsurance
• Injury
• Illness resulting in an Inpatient Hospital admission
In-Network : Not Applicable
Out-of-Network : 80%
International : 100%


Emergency Medical Evacuation

• Independent of Maximum Limit per Period of Coverage
• Maximum Limit: $1,000,000
• Includes Pre-existing conditions
• Approved in advance and coordinated by the Company
In-Network : 100%
Out-of-Network : 100%
International : 100%


Emergency Reunion

Independent of Maximum Limit per Period of Coverage
• Maximum Limit: $100,000
• Maximum days: 15
• Maximum limit per day for reasonable and necessary travel costs, meals and accommodations: $200
• Approved in advance by the Company
In-Network : 100%
Out-of-Network : 100%
International : 100%

Out-Patient

Dr. / Physician Visit

In-Network: 100% up to policy maximum
Out-of-Network: 80% of first $5,000, 100% thereafter


Urgent Care

In-Network: $15 copay, 100% up to Policy Maximum
Out-of-Network: $15 copay, 80% of the first $5,000, 100% thereafter


Surgical Treatment

In-Network: 100% up to policy maximum
Out-of-Network: 80% of first $5,000, 100% thereafter


Lab & X-rays

In-Network: 100% up to policy maximum
Out-of-Network: 80% of first $5,000, 100% thereafter


In-Patient

Hospital Room

In-Network: 100% up to policy maximum
Out-of-Network: 80% of first $5,000, 100% thereafter


Surgical Treatment

In-Network: 100% up to policy maximum
Out-of-Network: 80% of first $5,000, 100% thereafter


Hospital Intensive Care Unit

In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000

Dental Coverage

Dental Treatment

Deductible per occurrence: $50
• Limit: $250
• Unexpected pain to natural teeth
In-Network: Not Applicable
Out-of-Network: 80%
International: 100%

Travel Coverage

Return of Remains

100% up to policy maximum


Trip Interruption

Up to $10,000


Additional Coverage Options
NOT Subject to Deductible and Coinsurance unless otherwise noted. Eligible Medical Expenses are limited to Usual, Reasonable and Customary. Maximum
Limits per Period of Coverage unless otherwise stated.

Natural Disaster

Limit per day: $250
Maximum days: 5
In-Network: Not Applicable
Out-of-Network: 100%
International: 100%

CoverAmerica – Gold FAQs

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: Not available if Home Country/Country of Residences are: Botswana, Cuba, Gambia, Ghana, Iran, Kosovo, Niger, Nigeria, North Korea, Sierra Leone, Syria, U.S. Virgin Islands, United States & Venezuela
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.

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 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.

A typical travel medical insurance policy will cover medical emergencies (as included), but the best policy would have comprehensive coverage for Covid-19. This means that the insurance firm won’t just help you if you get sick, but they’ll also be able to reimburse you for delays, Quarantines (enforced stays), or a missed departure(Missed connection). CoverAmerica Gold has it all and more. A true international travel medical insurance policy. It is not just another "Covid medical included" type of policy. It is much more and a true Gold standard.

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