Don't stress — you're covered in the U.S.
CoverAmerica® Gold is a comprehensive travel medical insurance plan designed for non-U.S. residents visiting the United States.
It is underwritten by an A- (Excellent) rated carrier, uses the UnitedHealthcare PPO network, and pays 100% of eligible in-network expenses after the deductible.
Coverage includes emergency medical care, acute onset of pre-existing conditions, COVID-19 treatment, emergency medical evacuation up to $1,000,000, and a U.S. Border Entry Protection benefit that reimburses prepaid, non-refundable trip costs if a valid visa holder is denied entry at the border.
What does CoverAmerica-Gold® cover?
CoverAmerica-Gold® covers emergency medical expenses, hospitalization, COVID-19 treatment, emergency evacuation, and a range of travel situations. Here is a plain breakdown of what is included.
Acute onset of pre-existing conditions
Covers sudden, unexpected medical emergencies caused by a health condition that existed before your trip. Example: a heart attack in someone with prior heart disease is covered. Routine treatment of ongoing conditions is not covered. Age 69 and under: covered up to your full policy maximum. Age 70 and above: covered up to $30,000.
Border Entry Protection
If a valid visa holder is denied entry to the United States by immigration, the plan covers the cost of a one-way ticket home or airline change fees — up to $750. Most visitor insurance plans do not include this benefit.
Where you are covered
United States, plus incidental trips to Canada, Mexico, Central America, the Caribbean, South America, theme parks, and cruises.
What are the key features of CoverAmerica-Gold®?
Pays 100% After Deductible
When you use a United Healthcare in-network provider, the plan pays 100% of your covered medical bills after your deductible. You owe nothing more.
Acute Onset of Pre-Existing Conditions
Covers sudden, unexpected emergencies caused by a condition you had before your trip — such as a heart attack or stroke. Age 69 and under: up to policy maximum. Age 70 and above: up to $30,000.
Border Entry
Protection
If a valid visa holder is denied entry to the United States, covers a one-way ticket home or airline change fees — up to $750. Most visitor insurance plans do not include this.
Lost Passport & Travel
Documents Assistance
Covers the cost of replacing a lost or stolen passport or travel documents during your trip — up to $200.
Missed Connection
Coverage
If you miss a connecting flight due to a covered event, reimburses related costs — up to $400.
How does CoverAmerica-Gold® compare to other visitor insurance plans?
- Border Entry Protection — if a valid visa holder is denied entry to the United States, covers a one-way ticket home or airline change fees up to $750. Most visitor insurance plans do not include this.
- Rated A by A.M. Best — independently verified financial strength rating
- No cancellation fee — most competing plans charge $20–$50
- No extension or renewal fee — most competing plans charge for this
- United Healthcare PPO network — 100% covered in-network with cashless payment
- Covers travel to the U.S. and incidental trips to Canada, Mexico, Central America, Caribbean, and South America
- Insurance ID card downloadable to iPhone and Android Wallet
- Optional Telehealth rider — 24/7 access to board-certified doctors for an additional $0.12/day
- COVID-19 covered like any other illness — includes screening test up to $150, treatment, and $50/day quarantine benefit
- Urgent care copay waived entirely when $0 deductible is selected
Outstanding Benefits | CoverAmerica-Gold® | Most other plans in the same category |
|---|---|---|
Extension/Renewal Fee | No Fee | Most other plans charge a renewal or extension fee |
Cancellation Fee | No Fee | Most plans charge $20-$50 cancellation fee |
Border Entry Protection Benefit- In case a valid visa holder is denied entry into the U.S | Included | Not included |
Flu Shot Benefit | Included | Not included |
COVID-19/Coronavirus Screening Benefit | Included | Not included |
COVID Quarantine Benefit | Included | Not included |
Lost or Stolen Passport or Travel Document | Included | Not included |
Travel Delay | Included | Not included |
Does CoverAmerica-Gold® cover COVID-19?
Yes. CoverAmerica-Gold® covers COVID-19 like any other illness — as long as you contract it after your policy start date.
- COVID-19 medical treatment — Covered up to your policy maximum if contracted after the policy start date. Preventive care such as vaccines is not covered.
- COVID-19 test (Public Health Emergency Screening) — One-time benefit up to $150. No symptoms or doctor's order required. You must purchase the plan at least 30 days before leaving your home country to qualify for this benefit.
- COVID-19 quarantine benefit — $50 per day for up to 10 days (up to $500 total) if a doctor orders you to quarantine.
- Emergency Medical Evacuation for COVID-19 — Up to $1,000,000 if transport is needed and the virus was contracted after the policy start date.
Will CoverAmerica-Gold® cover me if I already have a health condition?
This is the most important question to understand before buying any travel medical plan. Here is a plain answer.
What is NOT covered: Routine or ongoing treatment of conditions you had before your trip — including regular prescriptions, planned procedures, diabetes management, hypertension medication, and routine check-ups.
What IS covered — “acute onset”: A sudden, serious, unexpected medical emergency caused by a pre-existing condition. Examples: a heart attack in someone with prior heart disease; a stroke in someone with high blood pressure; a diabetic emergency requiring hospitalization.
Plain English: Think of the difference between your daily insulin (routine care — not covered) versus a diabetic emergency requiring hospitalization (sudden crisis — covered). Acute onset means something that comes on fast and needs immediate treatment — not something you manage over time.
Important — coverage limits vary by age:
Age 69 and under: acute onset is covered up to your full policy maximum.
Age 70 and above: acute onset coverage is capped at $30,000, regardless of which policy maximum you chose.
CoverAmerica® Gold Benefits
- Border Entry Protection in the event entry to the United States is denied
- Covid-19 Coverage including a Public Health Emergency Screening benefit
- Extensive PPO network in the U.S. under United Healthcare
- Up to $1,000,000 in Emergency Medical Evacuation Coverage
- $15 copay for Urgent Care (waived when $0 deductible is selected)
- Free cancellations
- Extensions at no extra fee
How does CoverAmerica-Gold® work when I need medical care?
When you need medical care during your trip, you can visit any licensed doctor or hospital in the United States. Choosing a provider within the United Healthcare PPO network means the plan pays 100% of your covered costs after your deductible — with no co-insurance and no surprise charges at checkout.
In-Network
Plan pays 100% within PPO network United Healthcare
EXAMPLE
$10,000
Hospital Bill
$100
Deductible
$100,000
Policy Maximum
Out-of-Network
Plan pays 80% of the first $5,000 than 100% thereafter
EXAMPLE
$10,000
Hospital Bill
$100
Deductible
$1,000
Co-Insurance Cost
$100,000
Policy Maximum
Which hospitals and doctors accept CoverAmerica-Gold®?
CoverAmerica-Gold® uses the United Healthcare PPO network — one of the largest provider networks in the United States, accepted at major hospitals, urgent care clinics, and specialist offices across all 50 states.
In-network (United Healthcare): The plan pays 100% of covered costs after your deductible. Payment goes directly from the insurer to the provider — you do not pay upfront beyond your deductible.
Out-of-network (any other provider): Still covered. You pay 20% of the first $5,000 in covered costs (maximum $1,000 extra out of pocket), then the plan pays 100%.
To find an in-network provider before or during your trip, search the United Healthcare provider directory online or call the number on your CoverAmerica-Gold® insurance ID card.
Frequently asked questions
CoverAmerica-Gold® is sold by VisitorsCoverage, a licensed insurance marketplace specializing in visitor and travel insurance for people traveling to and within the United States. VisitorsCoverage is one of the largest online platforms for visitor insurance, serving travelers from over 175 countries. You can reach their licensed insurance consultants by phone, chat, or email if you have questions before buying.
CoverAmerica-Gold® can be purchased directly at VisitorsCoverage.com. The plan can be bought before you leave your home country or after you have already arrived in the United States. Coverage begins on the policy start date you select at checkout. To get an instant price quote based on your age, trip dates, and coverage amount, visit the rates page on this site.
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Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.