CoverAmerica - Gold vs. Atlas America

If you’re looking to purchase a visitors insurance plan, it is important to weigh your policy options to choose a plan that has the right coverage for you and your needs. Two similar visitors insurance plans are CoverAmerica - Gold and Atlas America, which are both comprehensive policies that provide percentage-based coverage for most eligible travel benefits.

Both CoverAmerica - Gold and Atlas America insurance cover short trips to the U.S. and offer medical coverage and benefits. The comparison chart below features the main differences between CoverAmerica - Gold and Atlas America insurance so you can find out which visitors insurance policy is best for you.

Atlas America
  • Administered by WorldTrips
  • Up to 364 days of coverage
  • Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date
  • Covers up to the policy maximum for an acute onset of a pre-existing condition for those under the age of 80
  • Covers up to $1,000,000 for emergency medical evacuation
  • Covers up to $300 for acute and unexpected dental pain
  • Covers up to $100,000 for political evacuation
  • UnitedHealth PPO network
  • Not available for purchase in NY, MD, and WA
  • Available up to age 79

CoverAmerica - Gold
  • Administered by IMG
  • Provides coverage for U.S., and trips to Mexico, Canada, Latin America, Bahamas and South America
  • Maximum 365 days of coverage
  • Plan pays 100% coverage after deductible, in network
  • Coverage for COVID-19 like any other new illness if contracted after the policy start date
  • Quarantine Indemnity Benefit for $50/day for 10 days
  • COVID-19 test benefit
  • No cancelation or extension fees
  • Acute onset of pre-existing conditions coverage
  • Emergency dental treatment and eye exams
  • Influenza vaccination coverage
  • Returning customers received preferred rate
  • UnitedHealth PPO network
  • Covers up to $1,000,000 for Emergency Medical Evacuation
  • Available up to age 79

COMMON EXCLUSIONS (What's not covered)
  • Preventative care (immunizations, routine medical exams)
  • Accidental death and dismemberment (AD&D) coverage
  • Terrorism coverage
  • Trip interruption coverage
  • Pregnancy and maternity care
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