India USA Travel

Recommended Travel Plans

1. Atlas America
2. Safe Travels
3. Patriot America
  • Visit USA
  • US Travel Tips
  • Visiting Parents
  • Students in USA
  • B1 B2 Visit Visa
  • H1B Visa
  • Life in USA
  • Home
  • About Us
  • Contact Us
  • Privacy policy
  • Legal Disclaimer
  • Home
  • About Us
  • Contact Us
  • Vision & Mission
  • Visa Application
Categories
  • B1 B2 Visit Visa
  • FAQ
  • H1B Visa
  • Life in USA
  • NRI FAQs
  • Spouse Visa
  • Students in USA
  • Travel Insurance
  • Travel News
  • US Immigration
  • US Immigration News
  • US Travel Tips
  • USA to India Travel
  • Visa
  • Visit USA
  • Visiting Parents
  • Home
  • About Us
  • Contact Us
  • Vision & Mission
  • Visa Application
India USA Travel
  • H1B Visa
  • Student Visa
  • Tourist Visa
  • Green Card
  • US Immigration
  • Travel Insurance
Travel Insurance Review
  • Travel Insurance

CoverAmerica Gold Review: The Best Travel Insurance Plan?

  • June 16, 2022
  • Mani Karthik

This article was last updated and fact checked on July 14, 2025 by Mani Karthik.

So, you’re planning to visit the US.

Maybe it’s your first trip to check out universities.

Or you’re bringing your parents to meet your new life in America.

Everyone’s telling you to get travel insurance.

But which one?

CoverAmerica Gold keeps popping up as “the best” option.

Is it really worth the hype?

Let me break it down for you.

In this article...

  • What Is CoverAmerica Gold?
  • Who Can Buy CoverAmerica Gold?
  • Coverage: What’s Actually Included?
  • The Standout Features
  • What About Pre-existing Conditions?
  • The COVID-19 Coverage
  • Real-World Cost Examples
  • United Healthcare Network: The Big Advantage
  • The Downsides: What’s Not Perfect
  • How It Compares to Competitors
  • Is It Really “The Best”?
  • The Claims Process: How Easy Is It?
  • Real User Experience
  • Special Features Worth Noting
  • When NOT to Buy CoverAmerica Gold
  • Step-by-Step: How to Buy
  • The Verdict: Worth It or Overhyped?
  • Alternatives to Consider
  • Smart Shopping Tips
  • Final Thoughts

What Is CoverAmerica Gold?

CoverAmerica Gold is travel medical insurance.

It’s designed for people visiting the US temporarily.

Think tourists, parents visiting kids, or people checking out potential universities.

The plan is underwritten by Sirius Specialty Insurance Corporation.

They have an “A” rating for coverage and service. (Source: Path2USA)

It’s administered by IMG (International Medical Group).

They’ve been doing international insurance for 30+ years.

Helpful Tip

When traveling to USA, travel insurance is much recommended.

Two great plans are, Atlas America and Safe Travels USA.

However there are other choices like these, as well.

Who Can Buy CoverAmerica Gold?

You can buy it if you’re:

  • Non-US citizen
  • Non-US resident
  • Visiting the US temporarily (5-365 days)
  • Between 14 days and 79 years old

You CAN’T buy it if you’re from:

  • Iran, Syria, Cuba, Kosovo
  • Ghana, Nigeria, Sierra Leone, Gambia
  • US Virgin Islands

The plan covers travel to the US.

Plus trips to Canada, Mexico, Central America, Caribbean, and South America.

💡Tip: Perfect for that cross-border trip to Niagara Falls while you’re in the US.

Coverage: What’s Actually Included?

Here’s what CoverAmerica Gold covers:

Coverage TypeBenefitNotes
Medical Maximum$50K to $1MChoose based on your budget
Deductible Options$0 to $5,000Lower deductible = higher premium
Network Coverage100% after deductibleUses United Healthcare PPO
Out-of-Network80% first $5K, then 100%Better to stay in-network
Pre-existing ConditionsUp to policy max (under 70)Acute onset only
COVID-19Like any other illnessIncludes testing and quarantine

(Source: CoverAmerica Gold Official)

The Standout Features

1. Border Entry Protection

This is unique.

If you’re denied entry to the US (even with valid visa), they cover up to $550 for flight changes.

No other plan offers this.

2. Zero Copay Urgent Care

Choose $0 deductible and urgent care visits are free.

Huge money saver for minor issues.

3. Mobile Wallet Integration

Your insurance card goes straight to your iPhone or Android wallet.

No more fumbling with papers at the hospital.

4. No Cancellation Fees

Plans change. Flights get cancelled.

Most insurers charge $20-55 to cancel.

CoverAmerica Gold? Zero fees.

💡Tip: This flexibility is worth the premium alone. US travel plans change more often than you think.

What About Pre-existing Conditions?

This is where CoverAmerica Gold shines.

Most travel insurance excludes pre-existing conditions completely.

CoverAmerica Gold covers “acute onset” of pre-existing conditions.

What’s acute onset?

Sudden, unexpected flare-up of an existing condition.

Like a diabetic going into sudden shock.

Or a heart patient having an unexpected episode.

Coverage limits:

  • Under 70 years: Up to full policy maximum
  • 70-79 years: Up to $30,000
  • Heart/stroke: $30,000-$36,000

Perfect for bringing elderly parents to the US.

The COVID-19 Coverage

CoverAmerica Gold treats COVID like any other illness.

If you catch it after your policy starts, you’re covered.

Includes:

  • Testing if you have symptoms
  • Treatment if positive
  • Quarantine allowance if required
  • Free initial screening (with 30+ day policies)

Most competitors charge extra for COVID coverage.

CoverAmerica Gold includes it automatically.

Real-World Cost Examples

Let’s look at actual pricing:

30-year-old, 30 days, $100K coverage:

  • $0 deductible: ~$180-220
  • $250 deductible: ~$120-150
  • $500 deductible: ~$90-120

65-year-old parent, 90 days, $100K coverage:

  • $0 deductible: ~$850-950
  • $500 deductible: ~$450-550

Prices vary by age, duration, and coverage amount.

But generally competitive with other comprehensive plans.

💡Tip: The $0 deductible option is worth it for older travelers. Eliminates upfront costs during emergencies.

United Healthcare Network: The Big Advantage

CoverAmerica Gold uses United Healthcare’s PPO network.

This is massive in the US.

Why this matters:

  • Accepted at most major hospitals
  • Direct billing (no upfront payment)
  • Negotiated rates (lower costs)
  • Easy to find doctors anywhere

Other insurers use smaller networks.

You might end up paying upfront and waiting for reimbursement.

The Downsides: What’s Not Perfect

Age restrictions are tight.

Coverage drops significantly after 70.

Not available after 79.

Pre-existing condition coverage is limited.

Only covers “acute onset,” not regular management.

If you need dialysis or chemo, this won’t help.

No coverage for high-risk activities.

Skydiving, mountaineering, professional sports.

Stick to tourist activities.

Premium costs add up.

For long stays (6+ months), costs can reach $2,000+.

Consider if it’s worth it vs. self-insuring.

How It Compares to Competitors

FeatureCoverAmerica GoldAtlas AmericaPatriot America Plus
Maximum CoverageUp to $1MUp to $2MUp to $1M
Pre-existing (Acute)✅ Up to max✅ Up to max✅ Limited
Border Protection✅ Unique feature❌ No❌ No
COVID Coverage✅ Included✅ Included✅ Included
Cancellation Fees✅ $0❌ $25❌ $25
NetworkUnited HealthcareFirst HealthFirst Health

CoverAmerica Gold sits in the sweet spot.

Not the cheapest, but excellent value for features.

Is It Really “The Best”?

Depends on what you need.

CoverAmerica Gold is best for:

  • First-time US visitors wanting comprehensive coverage
  • Bringing elderly parents (pre-existing condition coverage)
  • People worried about entry denial
  • Those wanting premium network access

Skip it if:

  • You’re young, healthy, and budget-conscious
  • You need coverage above $1M
  • You’re over 79 years old
  • You’re doing high-risk activities

💡Tip: For most Indians visiting the US, CoverAmerica Gold hits the sweet spot of coverage and cost.

The Claims Process: How Easy Is It?

Filing claims is straightforward:

Step 1: Get treatment (show insurance card)

Step 2: Submit claim within 90 days

Step 3: Include medical records and receipts

Step 4: Wait for processing (usually 2-3 weeks)

Direct billing works at most network providers.

You won’t pay upfront.

Out-of-network? You’ll pay first, get reimbursed later.

Real User Experience

Positive feedback:

  • Easy online purchase
  • Good customer service
  • Fast claim processing
  • Wide network acceptance

Common complaints:

  • Higher premiums than basic plans
  • Age restrictions for elderly
  • Limited pre-existing coverage scope

Overall satisfaction is high.

Most complaints are about cost, not coverage quality.

Special Features Worth Noting

Telehealth Access

Optional add-on for $0.12 per day.

24/7 virtual doctor consultations.

Great for minor issues or prescription refills.

Prescription Drug Coverage

Includes coverage for prescribed medications.

Uses a pharmacy discount card.

Amusement Park Coverage

Yes, you’re covered at Disney World and Universal Studios.

Most basic plans exclude these.

💡Tip: The little extras like theme park coverage and telehealth make this plan stand out from cheaper alternatives.

When NOT to Buy CoverAmerica Gold

You’re already in the US:

This is for people entering the US.

If you’re already here, you need different insurance.

You have US health insurance:

If your employer/school covers you, you might not need this.

You’re staying permanently:

This is temporary visitor insurance.

For immigration purposes, you need immigrant health insurance.

You’re on a tight budget:

Basic plans cost 30-50% less.

If you’re young and healthy, consider cheaper options.

Step-by-Step: How to Buy

Step 1: Visit an authorized agent website

Step 2: Enter your travel dates and age

Step 3: Choose coverage amount and deductible

Step 4: Add optional telehealth if wanted

Step 5: Pay online (credit card accepted)

Step 6: Download insurance card to phone

Step 7: Print backup copies

Takes about 10 minutes.

Coverage starts immediately or on your chosen date.

The Verdict: Worth It or Overhyped?

CoverAmerica Gold isn’t the cheapest.

But it’s comprehensive, reliable, and feature-rich.

Buy it if:

  • You want peace of mind
  • You’re bringing family members
  • You can afford the premium
  • You want premium network access

Skip it if:

  • Budget is tight
  • You’re young and healthy
  • You need basic coverage only
  • You’re staying short-term (under 14 days)

For most Indians planning US visits, it’s a solid choice.

Not perfect, but very good.

💡Tip: Compare at least 2-3 plans before deciding. Your specific needs matter more than generic “best” recommendations.

Alternatives to Consider

For budget travelers:

  • Safe Travels USA Basic
  • ChoiceAmerica

For maximum coverage:

  • Atlas America (up to $2M)
  • Safe Travels USA Comprehensive

For pre-existing conditions:

  • INF Elite (broader pre-existing coverage)
  • Safe Travels USA Comprehensive

Smart Shopping Tips

Buy early.

Prices can increase closer to travel dates.

Choose the right deductible.

$0 deductible costs more but saves money during claims.

Read the fine print.

Every plan has exclusions.

Know what’s not covered.

Keep documents handy.

Save insurance cards offline too.

Know your network.

Find United Healthcare providers before you need them.

Final Thoughts

CoverAmerica Gold is solid.

Not revolutionary, but comprehensive and reliable.

The unique features (border protection, zero fees) add value.

The United Healthcare network is excellent.

For most visitors to the US, it’s a safe bet.

Just make sure the premium fits your budget.

Good insurance is about peace of mind.

If CoverAmerica Gold gives you that, it’s worth every rupee.

 

Join Our Facebook Group

Mani Karthik

Having lived in 3+ countries, worked for companies small and big in the USA, Middle East & India, I have a lot of experience to share about international travel, immigration and living as an NRI in the US.

Related Topics
  • Travel Insurance
Previous Article
Travel Insurance Review
  • Travel Insurance

INF Elite Travel Insurance – Worth Buying?

  • June 15, 2022
  • Mani Karthik
View Post
Next Article
Travel Insurance Review
  • Travel Insurance

Liaison Travel Plus Review – Good Travel Insurance?

  • June 16, 2022
  • Mani Karthik
View Post

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

  • How to Get Admission to US Colleges from India – Complete Guide 2025
  • Eligibility Requirements for US Colleges – Complete Guide for Indian Students 2025
  • Top Colleges in USA That Accept Indian Students – 2025 Guide
  • How to Get Job in USA from India – Complete Guide 2025
  • How to Get Green Card in USA – Complete Guide for Indians 2025
  • Which Countries Can I Visit with US Visa on Indian Passport
  • Trump’s New Travel Ban: What Travelers Need to Know
  • Priority Dates for EB2 Visa: Complete Guide for Indians
  • What is the EB1 Visa: Complete Guide
  • EB1 vs EB2 Visa: Complete Comparison Guide
Compare Insurance Plans
  • B1 B2 Visit Visa
  • FAQ
  • H1B Visa
  • Life in USA
  • NRI FAQs
  • Spouse Visa
  • Students in USA
  • Travel Insurance
  • Travel News
  • US Immigration
  • US Immigration News
  • US Travel Tips
  • USA to India Travel
  • Visa
  • Visit USA
  • Visiting Parents

Recommended Travel Plans

1. Atlas America
2. Safe Travels
3. Patriot America
IndiaUSAtravel_Logo

IndiaUSAtravel.com provides general information on U.S. immigration, not legal advice. For specific guidance, consult a licensed immigration attorney. We assume no responsibility for the accuracy or timeliness of information, and using this Website does not establish an attorney-client relationship.

We respect your privacy and use any collected data solely to improve our services. However, we cannot guarantee the security of internet-transmitted information. For details, see our Privacy Policy.

We do not guarantee the outcome of immigration processes, as success depends on individual circumstances and legal compliance. External links on the site are for convenience, and we are not responsible for their content or privacy practices.

Some links may be affiliate links, from which we may earn a commission at no extra cost to you. All content on IndiaUSAtravel.com is our intellectual property. Unauthorized use is prohibited; contact us for usage inquiries.

Email: info@indiausatravel.com
Phone: +1 (628) 201-9173
Address: Blogitivity Media LLC, 30 N Gould St Ste N, Sheridan Wyoming, USA, 82801

  • Twitter
  • Instagram
  • Facebook Page
Recent Articles
  • How to Get Admission to US Colleges from India – Complete Guide 2025
  • Eligibility Requirements for US Colleges – Complete Guide for Indian Students 2025
  • Top Colleges in USA That Accept Indian Students – 2025 Guide
  • How to Get Job in USA from India – Complete Guide 2025
  • How to Get Green Card in USA – Complete Guide for Indians 2025
  • Which Countries Can I Visit with US Visa on Indian Passport
  • Trump’s New Travel Ban: What Travelers Need to Know
  • Priority Dates for EB2 Visa: Complete Guide for Indians
  • What is the EB1 Visa: Complete Guide
  • EB1 vs EB2 Visa: Complete Comparison Guide
  • What is the EB2 Visa: Complete Guide
  • US Green Card Renewal Process: Complete Guide for 2025
  • Dual Citizenship India and USA: Complete Guide
  • 100 US Citizenship Test Questions and Answers: Complete Guide
  • B1 B2 Visit Visa
  • FAQ
  • H1B Visa
  • Life in USA
  • NRI FAQs
  • Spouse Visa
  • Students in USA
  • Travel Insurance
  • Travel News
  • US Immigration
  • US Immigration News
  • US Travel Tips
  • USA to India Travel
  • Visa
  • Visit USA
  • Visiting Parents

Input your search keywords and press Enter.