CoverAmerica Gold Review: The Best Travel Insurance Plan?

This article was last updated and fact checked on June 24, 2023 by Mani Karthik.

CoverAmerica Gold is one of the most popular travel insurance plans on the market, but is it the best?

In this review, we’ll take a look at the coverage, benefits, and drawbacks of CoverAmerica Gold to help you decide if it’s the right plan for you.

What is CoverAmerica Gold?

When you’re jetting off to another country, it’s crucial to consider travel insurance – because, let’s face it, life can throw curveballs at us, especially when we’re on the move.

One travel insurance plan that’s making waves in the market is CoverAmerica Gold. You might be wondering, is it really worth the hype?

Is it truly the best travel insurance plan out there?

CoverAmerica Gold is a travel insurance plan that covers you for up to $500,000 in medical expenses while you’re traveling.

It also provides coverage for lost luggage, trip cancellation, and emergency evacuation.

The plan is available to US citizens and residents, and it can be purchased either as a standalone policy or as an add-on to your existing health insurance.

What Does CoverAmerica Gold Cover?

CoverAmerica Gold is a travel insurance plan that covers medical expenses, trip cancellation, and other travel-related costs.

It is one of the most comprehensive travel insurance plans available, and it can be a great option for those who are looking for comprehensive coverage.

The plan covers medical expenses up to $500,000, trip cancellation up to $5,000, and other travel-related costs such as lost luggage and emergency evacuation. CoverAmerica Gold also offers 24/7 customer support and a variety of other benefits.

CoverAmerica Gold offers a variety of benefits for its members, including access to a nationwide network of providers, coverage for pre-existing conditions, and no lifetime or annual limits on benefits.

Additionally, members have the peace of mind of knowing that their coverage will not be cancelled due to illness or injury.

How Much Does CoverAmerica Gold Cost?

CoverAmerica Gold is one of the leading travel insurance providers in the United States. Their plans are designed to provide comprehensive coverage for travelers of all ages and budgets.

CoverAmerica Gold offers a variety of plan options, so you can choose the one that best fits your needs.

Their plans start at $30 per person, per trip, and go up to $500 per person, per trip. You can also add on additional coverage, such as medical evacuation and rental car protection.

Buckle up as we dive deep into an in-depth review of CoverAmerica Gold, bursting with essential insights.

CoverAmerica Gold: What’s in it for you?

CoverAmerica Gold is a comprehensive travel insurance plan offered by VisitorsCoverage, specifically designed for travelers visiting the USA.

It provides an impressive maximum coverage of up to $1,000,000 and unique benefits like coverage for acute onset of pre-existing conditions up to $125,000 for individuals below 70 years of age.

Benefits such as dental, vision, and emergency room visits due to an accident or sudden illness are also covered.

What really sets it apart is that it also offers coverage for adventure sports and amusement park injuries – not something every insurance plan provides.

CoverAmerica Gold: Pros and Cons

Nothing in life is perfect, and the same goes for CoverAmerica Gold.

Advantages

• High coverage limits.
• Coverage for acute onset of pre-existing conditions.
• Coverage for adventure sports and amusement park injuries.
• Co-insurance waived off if treatment is received in the insurance network.

Disadvantages

• Might be more expensive compared to other plans.
• Benefits are subject to policy maximum and deductibles.
• Does not cover routine medical check-ups.

What about alternatives?

While CoverAmerica Gold does have its perks, it’s always a good idea to look at other options before making a decision.

1. Patriot America Plus:
   Offered by IMG, it’s another comprehensive plan that offers similar benefits but at a potentially lower price point.
2. Atlas America:
   Atlas America is designed to take the risk out of international travel and includes benefits like Emergency Medical Evacuation, Acts of Terrorism, and complications of pregnancy.
3. Safe Travels USA Comprehensive:
   Provided by Trawick International, this plan offers acute onset of pre-existing conditions coverage up to the policy maximum for people under 70.

What Are the Benefits of CoverAmerica Gold?

CoverAmerica Gold is a travel insurance plan that offers a variety of benefits to its members.

Some of these benefits include emergency medical and evacuation coverage, trip cancellation and interruption protection, and lost luggage reimbursement.

CoverAmerica Gold also offers 24/7 customer support, so you can always get help when you need it.

If you’re looking for a comprehensive travel insurance plan, CoverAmerica Gold is a great option to consider.

How Do I File a Claim with CoverAmerica Gold?

Filing a claim with CoverAmerica Gold is easy. Simply call their customer service number and have your policy number and travel dates ready.

One of their representatives will then help you file your claim and answer any questions you may have.

CoverAmerica Gold is one of the leading providers of travel insurance, and their customer service is top-notch.

So if you’re looking for the best travel insurance plan, CoverAmerica Gold is a great option.

Does CoverAmerica Gold cover pre-existing conditions?

CoverAmerica Gold is a travel insurance plan that does not cover pre-existing medical conditions.

It is one of the most comprehensive plans available but is not ideal for those with chronic illnesses or who take multiple medications.

Conclusion

CoverAmerica Gold is an attractive option for those needing robust coverage while traveling to the USA.

Its comprehensive set of benefits ensures you’re well-protected against a variety of unforeseen incidents.

However, the potential higher price point and the absence of routine check-up coverage might be a deterrent for some.

If cost is a concern, or you need routine check-up coverage, consider alternatives like Patriot America Plus or Safe Travels USA Comprehensive.

The key is to evaluate your needs, compare different plans, and select one that offers the best balance between cost and coverage.

So, is CoverAmerica Gold the best travel insurance plan?

It’s certainly a strong contender, especially for those seeking extensive coverage and unique benefits like adventure sports coverage.

But ‘best’ can be subjective – it truly depends on what you’re looking for in a travel insurance plan.

Safe travels, folks!

(Remember, terms and conditions apply to these insurance plans. Be sure to read the fine print and consult with the providers for the most accurate, up-to-date information.)

Frequently Asked Questions (FAQs)

1. What is the acute onset of pre-existing conditions in travel insurance?

Acute onset of a pre-existing condition refers to a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs spontaneously and without advance warning, either in the form of physician recommendations or symptoms. Coverage for acute onset of pre-existing conditions varies by policy.

2. Does CoverAmerica Gold cover COVID-19 related medical expenses?

Yes, CoverAmerica Gold provides coverage for eligible medical expenses if you contract COVID-19 while traveling. Please refer to the policy document for detailed information.

3. Can I buy CoverAmerica Gold after starting my trip?

It’s generally recommended to buy travel insurance before you start your journey. However, you might be able to purchase it after the trip has started, but the coverage will only begin from the day of purchase.

4. What happens if I need to extend my stay in the USA? Can I extend my CoverAmerica Gold coverage?

Yes, you can extend your coverage if you find yourself needing to stay longer in the USA. You can extend the plan online before the policy expiration date.

5. How does the deductible work in CoverAmerica Gold?

A deductible is the amount you are responsible for before the insurance begins to pay. For example, if you have a $250 deductible, you’ll have to pay the first $250 of the costs when a covered loss occurs.

6. What is the refund policy of CoverAmerica Gold if I need to cancel my trip?

If you haven’t started your trip or filed a claim, you can cancel your policy and get a full refund within the first 10 days of purchasing the policy. After this period, you can still cancel, but a partial refund will be provided after deducting the cancellation fee.

7. Does CoverAmerica Gold cover trip cancellation or trip interruption?

No, CoverAmerica Gold mainly covers medical expenses while traveling and does not provide coverage for trip cancellation or trip interruption.

(Please refer to the policy documents or contact the insurance provider to get the most accurate and up-to-date answers to these questions.)