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CoverAmerica-Gold®

Comprehensive | A- (Excellent) | IMG

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COVID-19 Included

Acute Pre-Existing Condition Condition

Medical Coverage During Travel

Cancelable & Renewable

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.

Available for B1 and B2 visa holders, non-immigrant visa holders, or under the visa waiver program residing outside of the U.S., 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

Not available to residents of: Botswana, Cuba, Gambia, Ghana, Iran, Kosovo, Niger, Nigeria, North Korea, Sierra Leone, Syria, Venezuela

Not available for following home countries: Botswana, Cuba, Gambia, Ghana, Iran, Kosovo, Niger, Nigeria, North Korea, Puerto Rico, Sierra Leone, Syria, United States, Venezuela, Virgin Islands (USA)

Not available for citizens of: Botswana, Gambia, Ghana, Kosovo, Niger, Nigeria, Puerto Rico, Sierra Leone, United States, Virgin Islands (USA)

Not Available for the following Destination Countries:: Congo, The Democratic Republic of, South Sudan, Uganda

Plan Brochure | Description of Coverage | Plan FAQs | See Complete Benefits

CoverAmerica-Gold (A.M. Best Rating: A) is a comprehensive travel medical insurance plan for international visitors traveling to the United States. It offers broad medical coverage for eligible new illnesses and injuries, access to the UnitedHealthcare PPO network, helping protect travelers during their trip. Coverage is available 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 selected policy maximum. Outside of the PPO network, the plan will pay 80% up to the first $5,000, then 100% thereafter in eligible medical expenses, up to the selected policy maximum.

CoverAmerica-Gold has a unique feature called US Border Entry Protection Benefit. This benefit is designed for foreign travelers entering the United States, helping mitigate the financial risk associated with being denied entry at a U.S. port of entry.

CoverAmerica-Gold does not cover pre-existing conditions. CoverAmerica-Gold includes acute onset coverage of pre-existing conditions up to the policy maximum through age 69 (cardiac/stroke up to $36,000) and up to $30,000 for ages 70–79.

Review the CoverAmerica-Gold policy documents for complete coverage details, exclusions, and limitations.

Eligible Medical Expenses

In-Network

100% up to policy maximum

Out-Network

80% of first $5,000, 100% thereafter

Pre-Existing Conditions

Pre-existing conditions are typically not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:

  • Pre-Existing Diabetes: Not Covered
  • Pre-Existing Hypertension: Not Covered
  • Pre-Existing Heart Conditions: Not Covered

    Please review your policy document for any other limits or exclusions.

    • Acute onset Pre-Existing Condition

    • Up to policy maximum: Age 69 and below
    • Up to $30,000: Age 70 and above

    Prescription Drugs / Medicines

    100% up to Policy Maximum

    Dr. / Physician Visit

    In-Network

    100% up to policy maximum

    Out-Network

    80% of first $5,000, 100% thereafter

    Urgent Care

    In-Network

    $15 copay, 100% up to Policy Maximum. Copay waived if $0 deductible is selected.

    Out-Network

    $15 copay, 80% of the first $5,000, 100% thereafter. Copay waived if $0 deductible is selected.

    Surgical Treatment

    In-Network

    100% up to policy maximum

    Out-Network

    80% of first $5,000, 100% thereafter

    Lab & X-rays

    In-Network

    100% up to policy maximum

    Out-Network

    80% of first $5,000, 100% thereafter

    Hospital Room and Board

    In-Network

    100% up to policy maximum

    Out-Network

    80% of first $5,000, 100% thereafter

    Dr. / Physician Visit

    In-Network

    100% up to policy maximum

    Out-Network

    80% of first $5,000, 100% thereafter

    Surgical Treatment

    In-Network

    100% up to policy maximum

    Out-Network

    80% of first $5,000, 100% thereafter

    Ambulance Expenses

    In-Network

    Not Applicable

    Out-Network

    100% of urc, up to Policy Maximum

    Emergency Room

    In-Network

    Up to 100% coverage. Additional $250 deductible for illnesses that do not result in a hospital admission

    Out-Network

    Up to 80% of the first $5,000, 100% thereafter. Additional $250 deductible for illnesses that do not result in a hospital admission

    Dental Emergency

    Up to $300

    US Border Entry Protection

    One way ticket and/or common carrier change fees up to $750

    Emergency Medical Evacuation / Repatriation

    Up to $1,000,000

    Return of Mortal Remains

    Up to $25,000

    Trip Interruption

    Up to $10,000

    Trip Delay

    Up to $100 (delay of 12hrs or longer)

    Lost Luggage

    Up to $1,000

    Terrorism

    Up to 100%

    Personal Liability

    Up to $50,000

    Identity Theft

    Up to $500

    Legal Fees

    Up to $250

    Lost or Stolen Passport

    Up to $200

    Missed Connection

    Up to $400

    COVID-19 Medical Coverage

    This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions.

    COVID-19 Testing

    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 Vaccine/Booster

    No Coverage

    COVID-19 Quarantine Coverage

    A quarantine indemnity benefit of up to $50/day for 10 days.

    Doctor Wellness Visit

    No Coverage

    Preferred Rates

    Returning customers will enjoy a preferred rate that is approximately 5% lower. The preferred rate will only apply to the same policyholder(s) who purchase a new CoverAmerica-Gold policy.

    Plan Administrator Company

    IMG

    Carrier / Underwriter

    Sirius Specialty Insurance Corporation

    AM Best Rating

    A- (Excellent)