CoverAmerica-Gold®

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 their home country. The coverage duration ranges from 5 days to 365 days. While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan pays 100% of eligible medical expenses up to the policy maximum. Outside of the PPO network, the plan pays 80% of the first $5,000 of eligible medical expenses and then 100% thereafter.

CoverAmerica-Gold covers COVID-19 like any other covered medical condition if the virus is contracted after the policy effective date. The plan also 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 provide coverage for pre-existing medical conditions.

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Plan Brochure

Sample Description of Coverage

Key Highlights

Comprehensive travel medical coverage for non-US residents visiting the USA
Overall Maximum Limit options from $50,000 up to $1,000,000
Deductible options available from $0 to $2,500
Coinsurance 100% after deductible up to the policy maximum within PPO network
Coverage for Acute Onset of Pre-Existing Conditions up to eligible limits
Emergency Medical Evacuation up to $1,000,000
Repatriation of Remains up to $50,000
Emergency Reunion coverage included
COVID-19 covered same as any other eligible illness
Access to United Healthcare PPO network
Coverage for hospital stays, physician visits, urgent care and prescription drugs

Note:

Please review CoverAmerica-Gold® policy documents for complete coverage and exclusions.

Plan Details
Out-Patient
In-Patient
Dental Coverage
Travel Coverage
Pre-existing Conditions

Plan Details

Insurance Provider	IMG
Plan Underwriter	Sirius Speciality
Plan Category	Travel Medical Insurance
Plan Type	Comprehensive Coverage
PPO Network	United healthcare PPO

Out-Patient

Medical treatment that does not include an overnight stay at a hospital.

Dr. / Physician Visit	In-Network : 100% Out-of-Network : 80% International : 100%
Urgent Care	Physician visit Copayment: $15 Medical Services subject to Deductible and Coinsurance In-Network : 100% Out-of-Network : 80% International : 100%
Physical Therapy	Medical order or Treatment plan required In-Network : 100% Out-of-Network : 80% International : 100%

In-Patient

Medical treatment that includes an overnight stay at a hospital.

Hospital Room and Board	Average semi-private room rate Includes nursing services, miscellaneous and Ancillary services In-Network : 100% Out-of-Network : 80% International : 100%
Hospital Intensive Care Unit	In-Network : 100% Out-of-Network : 80% International : 100%

Dental Coverage

Treatment for injury to or acute and spontaneous pain in sound natural teeth.

Dental Emergency

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

Travel Coverage

Travel-related coverage

Trip Interruption

Limit: $10,000
In-Network : Not Applicable
Out-of-Network : 80%
International : 100%

Pre-existing Conditions

Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.

Acute onset Pre-Existing Condition

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