CoverAmerica - Gold vs. Patriot America Plus

When comparing your options for a visitors insurance plan, you may have come across CoverAmerica - Gold and Patriot America Plus, two popular visitors insurance plans that offer similar benefits but still have key differences. These policies are designed for international travelers visiting the U.S. for a short period of time. Both CoverAmerica - Gold and Patriot America Plus are comprehensive coverage policies, which both cover 100% in network after the deductible.

While both CoverAmerica - Gold and Patriot America Plus are excellent choices for visitors insurance plans and administered by IMG, there may be some benefits or specific coverage that you are looking for that one plan may have and not the other. The key differences between each of these plans are highlighted in the comparison chart below:

Patriot America Plus
  • Administered by IMG
  • Available for US and non-US citizens visiting the US
  • Up to $1,000,000 policy maximum
  • Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date
  • Covers up to the maximum limit for acute onset of pre-existing conditions for travelers under the age of 70
  • Requires a deductible only once per policy period
  • Utilizes a PPO Network for increased coverage options
  • Requires a deductible only once per policy period
  • Not available for purchase if physically located in NY
  • Not available for purchase in MD
  • Available up to age 79


vs.
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
  • Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date
  • Quarantine indemnity benefit of up to $50/day for 10 days
  • No cancelation or extension fees
  • Acute onset of pre-existing conditions coverage up to the policy maximum for those under age 70, and up to $30k for those aged 70-79
  • Emergency dental treatment and eye exams
  • Influenza vaccination coverage
  • Not available for purchase if physically located in NY
  • Not available for purchase in MD
  • 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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