CoverAmerica-Gold

CoverAmerica-Gold Insurance provides coverage for non-U.S. residents and non-U.S. citizens, while traveling to the United States and for trips to Canada, Mexico, Latin America, Bahamas & South America. The only plan of its kind, CoverAmerica-Gold is a comprehensive plan that offers a wide variety of unique coverage options, from border entry protection to optional coverage for acute onset of pre-existing conditions and hazardous sports.

Plan Features

  • Coverage for COVID-19 like any other new illness.
  • Indemnity allowance for policyholders forced to quarantine at their destination.
  • Public health emergency screening benefit which covers testing for illnesses including COVID-19
  • Plan pays 100% in the network after deductible is satisfied
  • Provides coverage for U.S., and trips to Mexico, Canada, Latin America, Bahamas and South America
  • No cancelation fees
  • Access to urgent care copay $15
  • Provides coverage if your entry to the U.S. is denied*
  • Available coverage for hazardous sports*
  • Coverage for emergency dental treatment and eye exams*

* Conditions Apply
“CoverAmerica"

Why CoverAmerica-Gold?

CoverAmerica-Gold Insurance is an ideal policy for international travelers to the U.S., especially senior travelers like parents traveling from the Indian sub-continent or Asia. Not only does CoverAmerica - Gold provide coverage for loss of passport or travel documents, the plan may also provide coverage if the insured is denied entry at the border, making travel to the U.S. easier and more carefree than ever. This plan also offers comprehensive benefits for COVID-19 coverage. CoverAmerica-Gold can provide coverage for acute onset of pre-existing conditions. With exorbitantly high healthcare costs in the U.S., this policy makes it easy for international travelers to travel to America with peace of mind.

Expert Reviews Why Trust this Review?

Notable Features
  • Coverage for COVID-19 like any other new illness.
  • Indemnity allowance for policyholders forced to quarantine at their destination.
  • Comprehensive coverage
  • No cancelation fee
  • Public health emergency screening benefit which covers testing for illnesses including COVID-19
  • Plan pays 100% coverage after deductible, in network
  • Acute onset of pre-existing conditions coverage
  • Easy and affordable access to urgent care
  • Emergency dental treatment and eye exams

Limitations
  • Maximum 365 days of coverage
  • Coverage not provided for travelers 80 years and older

Expert Opinion
CoverAmerica-Gold Insurance offers comprehensive medical coverage for non-U.S. citizens traveling to the U.S., with trips to Canada, Mexico, Latin America, Bahamas and South America. The only plan of its kind, CoverAmerica-Gold offers a wide variety of unique coverage options, from border entry protection to optional coverage for acute onset of pre-existing conditions and hazardous sports. CoverAmerica-Gold covers COVID-19 like any other new illness, and includes an allowance for policyholders who must quarantine due to the virus. This is also the only plan currently on the market to offer the Public Heath Emergency benefit, which covers testing for illnesses including COVID-19. The plan pays 100% coverage after the deductible is satisfied and allows easy and affordable access to urgent care and an extensive PPO network. With CoverAmerica-Gold insurance, all international visitors to the U.S. can travel confidently and worry-free.

Why is CoverAmerica-Gold unique and better than similar policies?
A typical travel medical insurance policy will cover medical emergencies, but the best policy has 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, enforced stays (quarantines), and missed departures or connections. CoverAmerica-Gold has all this and more.
A true international travel medical insurance policy, CoverAmerica-Gold is not just another "COVID medical included" type of policy--it is much more, it is a true gold standard.

Overall Ratings

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Plan Highlights

AM Best Ratings
A+
Coverage Type
Comprehensive
Renewability
Yes
Who Can Buy It
Non-U.S. citizens traveling to the U.S.
Contact Information
800-628-4664
317-655-4500
Administrator
IMG
Coverage Duration
5 days to 365 days
Refund Policy / Look-up Period
Yes
Providers Network
Extensive PPO network
 
Emergency Assistance Numbers
1-317-655-4500
Underwriter
Sirius International
Provides Coverage for
USA & trips around U.S.
Cancellable
Yes
State Restrictions
None
 
Pre-Existing Conditions Coverage
Acute Onset Only

How to Buy CoverAmerica - Gold Insurance?

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Disclaimer: Information presented here is high level and for your convenience only; it may not be accurate and is subject to change. Please review your policy document or brochure for the terms and conditions, a detailed description of coverage, benefits, limitations, and exclusions.
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