CoverAmerica Gold Review – The Best Travel Insurance Plan Ever?


Choosing a travel insurance plan before your trip is confusing – admit it. Why? I mean, look at all the different options out there. Limited coverage, comprehensive coverage, covering pre existing conditions, PPO network or otherwise…one is sure to get intimidated by all the options that gets thrown at you. I’ve been keeping track of some of the best travel insurance plans out there, comparing and recommending them to my friends who are visiting USA (Heck, even tips on how to choose a good plan). Even then, many friends email me asking which one to go for, because why? They are confused. I try my best to answer them recommending plans that best fit their situation. But I have to admit, sometimes I wish if there was a better plan. One that had better features, offered more coverage, was flexible and fit visitors uses well. Well, looks like somebody finally heard my prayers and launched a plan that pretty much hit all the points – Cover America Gold! This plan was launched on December 5th, 2017 and learning about it did bring a smile on my face.

This is probably the best plan so far, for visitors to USA. A well thought out, well balanced, custom plan that I wished was available before!

Before I go all goo-goo ga-ga over it, let me explain why this is a good plan, we’ve all been waiting for.

Typically, for folks visiting USA, a travel insurance plan is a must. But when you look at all the features available on different plans, they don’t really look like they were built for people traveling to USA alone. They sure did have features but they were more like a blanket approach. The features would cut a median through travelers to different countries, different situations and weren’t really tailor made for visitors to USA. That was the only thing that bothered me.

Earlier, you would most often get a travel insurance plan that would cover a lot more days than needed, wouldn’t let you extend it online or cover only a thin feeble PPO network, would not offer enough coverage or wouldn’t cover pre-existing conditions even. So frustrating!

Looks like Cover America Gold was tailor made for folks traveling to USA, exactly pin-pointing their issues, and customized to fir their usual travel insurance needs. Let’s look at its features.

CoverAmerica Gold Travel Insurance Features

  • Cover America Gold is a comprehensive travel insurance plan for folks visiting USA from their home countries.
  • It offers coverage from 5 days to 364 days and is renewable or cancellable anytime online.
  • It offers a very cheap co-pay for emergency consultation – only $25!
  • It’s best suited for elders traveling to USA, although it’s a good fit for others as well.
  • Probably the best travel insurance plan that pays 100% coverage after the deductible is satisfied.
  • Cover America Gold also covers acute onset of pre-existing conditions and offers coverage for seniors up to 79 years old.
  • Cover America Gold offers coverage for emergency dental treatment and eye exams.
  • It offers easy and affordable access to urgent care.
  • Cover America Gold offers probably the most widest PPO network.
  • It covers border entry protection if travelers is denied entry.
  • It also offers coverage for missed connections (during travel), loss of passport or travel documents, amusement park coverage and cruise coverage.

Get More Details on CoverAmerica Gold

So now you know why Cover America Gold is far better compared to other travel insurance plans out there. Some of it’s features like offering easy urgent care, up to 79 years age limit, 100% coverage and widest PPO network are all unique features! I think it’s a well balanced plan that offers the best medical coverage (cutting off all the unnecessary frills) with even a good travel insurance coverage (loss of passport etc).

So, is CoverAmerica Gold the best travel insurance plan ever?

Very likely, in my opinion. I think it’s probably one of the best travel insurance plan out there for visitors to USA, especially elder folks. It’s got all the features that you always wanted, without all the unnecessary frills.

What is the copay for urgent care in CoverAmerica Gold?

CoverAmerica Gold offers urgent care emergency consultation co-pay of just $25. In my opinion, this is very cheap and one of the best features in this plan. It also offers emergency dental treatment and eye exam as well!

What about pre-existing conditions? Do CoverAmerica Gold cover pre existing conditions?

Yes, absolutely. It covers acute onset of pre-existing conditions and covers up to 79 years of age. (Please read explainer below this post on what is defined as “pre-existing conditions”.

Who cannot buy CoverAmerica Gold?

People from the following countries cannot buy CoverAmerica Gold unfortunately – Islamic Republic of Iran, Syrian Arab Republic, U.S. Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone.

How does CoverAmerica Gold cover treatment charges?

Traveling Inside the United States
For treatment received within the PPO network: after you pay the deductible, the plan pays 100% to the selected medical maximum.
For Treatment received outside the PPO network: after you pay the deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected medical maximum.

Traveling Outside the United States

After you pay the deductible: the plan pays 100% to the selected medical maximum.

What does CoverAmerica Gold’s eye exam benefits cover?

In this plan, visitors are covered for an eye exam to obtain prescription corrective lenses if they are lost or damaged during your trip.

So, there you have it. CoverAmerica is definitely a great plan for visitors to USA, especially elder folks. With its customized features and generous coverage, I’m sure many people will find it useful.

Get More Details on CoverAmerica Gold

Update: As of June 1st, 2018, few changes have been made to CoverAmerica’s features. They’re listed below.

  • Urgent care co-pay : Changed from $30 to $25 for $50,000 policy max and $20 for $100,000 or higher.
  • Border entry protection : Was $400 earlier. Changed to $500.
  • Coverage Area : Covers US and trips to Canada, Mexico, Bahamas, South America & Latin America.
  • Prescription & Other Medical Services Discount Card with our own name is now available.

Clarity on “Pre-existing conditions”

P.S – As for “pre-existing conditions”, please note that the definition provided by providers are to be studied well before purchasing insurance. I do not think that “pre-existing conditions” doesn’t mean or include “every condition that existed earlier”.  There is a list of acceptable and non-acceptable list of conditions (and it differs for each insurance). As for Cover America, here is the definition provided by the company (mentioned on

Non-U.S. citizens only. For those up to age 69, plan will pay up to the policy maximum chosen, or maximum up to $125,000 if policy maximum is above $100,000 for eligible medical expenses. For Cardiac Conditions & Stroke, the plan would cover up to $36,000. For those age 70 – 79, plan will pay up to $30,000 lifetime maximum. Optional $20,000 can be purchased with additional premium. For Cardiac Care & Stroke, the plan covers maximum of $30,000. The optional coverage does not add coverage to Cardiac Care & Stroke. Age 80 and above no coverage. The acute onset for pre-existing condition coverage starts 48 hours, after the policy becomes effective.

Disclaimer: I’m not an insurance agent or in any way qualified to provide legal advice on life insurance. The above review is purely for research purposes and based on information available online. The above review may contain product links, through which if purchases are made, might compensate this website.

About the author

Mani Karthik

Having lived in the USA, India & Middle East for over a decade, and having worked for big MNC's to startups, I have a lot to share with you. My aim is to help people, by sharing everything I've learned in life through this blog. Come join my pursuit of happiness! WhatsApp me at +001-408-489-4785


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  • Hi Mani

    Thank you for the helpful review as I have came across your article as I search for the best possible (and also price friendly) travel insurance for myself (Age 37), my wife (Age 37) and my little girl (Age 3),as we plan to travel to California shortly and have a road trip holiday for 16 days. (SF, LA, Napa, Palm Spring and…of course Disneyland).

    My biggest needs would be the medical insurance part (Especially for my little girl) after learning the high medical cost in US in the case of emergency. Could you kindly suggest me a good travel insurance plan for fulfill my need? (As I came across “Cover America Gold” from the search result from “” )

    Thank you a million for your suggestion and help.

    Looking forward to hear from you at your earliest convenience.

    Thank you.

  • Hey Karthik, Thanks for compiling this useful info. My parents & in laws have pre- existing conditions (High blood pressure, diabetic). My father in law is recovering/recovered from a knee surgery and my mother is recovering from throat cancer.
    I am planning to bring them over here for couple of months. Is there any insurance that “actually” covers the pre-existing conditions (not just the acute on-set)? The ones that seem to have better reviews (albeit expensive) are KV Rao & CoverAmerica – Gold. Based on what i read, they also cover ‘acute onset’. Do You recommend any?
    Also, do You know of anyone who had an actual seamless claim experience with CoverAmerica – Gold?

    • It is a very difficult question to answer Satish. First off, it’s very unfair for me to give a generic statement, like “yes XYZ covers all pre-existing conditions”. It does not work like that. What I’d do if I were in your place is, call up the customer care number, and give an example scenario to figure out how they’d deal in such a situation. It would give me better clarity than me making any assumptions from reading guides. Hope that makes sense.

  • My parents are vising in Dec for 1.5 months, ages 62 and 57. One of them has a pre-existing condition ( had angioplasty in Jan 2017). What do you think of CoverAmerica- Gold for them?

  • Hi Mani, my parents are coming soon for about 4 months. My mother is 78 and my father will turn 80 during his visit. They come with all their medications and usually don’t have a need to see any doctors in the US. I’m looking for insurance with high deductible just in case of an emergency, in case they need to be hospitalized. They have pre-existing conditions but they are both in good health and active. We don’t mind paying for a visit to a walk-in clinic or anything like that, very expensive hospitalizations is what scares me 🙂 What would you recommend? Thanks so much!


    • Hi Veronica,

      Patriot America might be a good option worth checking oiut. Can you ping me on WhatsApp or email please? Happy to help.

  • I have a question. My mom is travelling next month to USA. Assuming am taking travel insurance “COVERAMERICA GOLD” for the time period she stays (cost 570$ approx) and deductible as 250$.
    If i have to visit a doctor for a overall body health check up or backpain, then as i understand will need to pay deductible 250$ and remaining will be paid by insurance as its 100% right?
    What happens for the next visit? again will i have to pay the deductible and remaining will be paid by insurance?
    Is there any limit for number of visits to clinic or hospital?

  • Hello Karthik,

    Thank you for the detailed explanation about this insurance policy. However I would recommend against buying this insurance.

    Reason: Firstly this insurance is provided by “Seven Corners”, who has a pretty bad reputation, and most times they find ways to reject claims saying they do not cover preexisting conditions or they did not receive required documents etc..etc..

    You can see from Yelp reviews how people have some really really bad experiences failing claims through seven corners:

    I hope these reviews and personal experiences from others would help our fellows in finding a better insurance.

    • Hi Kumar,

      Yes indeed – More reviews are better to make informed decisions. I’ve seen quite a good share or mixed reviews for every provider though. It is totally up to the buyer to choose what is right for him/her. Thanks for sharing your pov.

    • Hello Mani Sir,

      My MIL is visiting US sometime next month and am trying to figure out the best insurance policy for her. She has a lot of pre-existing conditions (High bp, headaches, cervical pain) and is usually only able to see a doctor here in the States since she lives alone in India. So she will definitely be seeing some doctors here on this trip (physical, eye, dental) She also had a breast cancer scare in her last trip which will require her to get a mammogram/mri testing done here. Most of these appointments will either be pre-existing or not covered. So I am confused if comprehensive is worth it for her….and that I should get a limited one for emergency and pay thru non-insurance route for these appointments (in which case they will give a discount) She is 67 years old…and we are planning to apply for greencard for her on this trip.

      What would be the best insurance to get for her?

      Thank you for your help!

  • Hi Karthik,

    My parents are visiting the US for just over a month. They are 71 and 67 years old with no major pre-existing condition (apart from minor joint pains). I am looking at comprehensive insurance for them. I was looking at Safe Travels USA – Comprehensive insurance. Please give your suggestion on this insurance..


    • Hi Prasad,

      Yes Safe Travels is a good option for aged parents (especially 80+). The only negative is that the sum assured/cover amount will be slightly lower than regular plans. You can check my recommendations here –

      Let me know if it was useful or not.


  • Hey Mani,

    My Parents are visiting in end of april. My dad is 67 and has gone through by-pass surgery 5 years ago.
    He is doing fine as of now, but i am still worried as its an exisiting condition along with diabetes and blood pressure conditions.
    I don’t really understand acute onset pre-existing conditions, but if something happens is cover america gold good enough to take care of it? I do see they have great PPO in network list.

  • Hello Mani,

    I am looking for health insurance for my parents above 80 years of age with one of them with a pre-existing condition. Safe travels USa comprehensive looks like the best option. What do you think?

    • Don’t buy Safe Travels.

      We bought for my father 76 getting impressed with all the claims they make in their brochure. Paid for months. He was admitted to emergency for Pnemonia and they refused to cover a penny of the $37 k bill. When we filed an appeal they responded with a one liner saying it’s not admissible because it’s pre existing condition. We will file a second appeal and take them to court if necessary.

  • Thanks a lot for this detailed explanation. Would you happen to know if the deductible is a one-time payment for the duration of the policy, or do you have to pay each time you seek treatment? The minimum deductible available for the age group I’m looking at (with pre-existing condition) is $1000, which is why I was wondering. Thanks.

    • The deductible is applicable once per policy period for most comprehensive plans like CoverAmerica – Gold. So if the insured person goes to the provider for multiple medical situations or multiple times for the same situation, they are responsible only once for the deductible. For example, if someone chooses a $1,000 deductible, then the first $1,000 would be their responsibility. After that, the CoverAmerica – Gold plan pays 100% up to the policy maximum for all covered services within provider network.

    • Hi Mani,

      Can you please provide some statistics on their customer satisfaction, like how many users have actually used (availed medical services) their coverage and how easy or difficult it was to submit the claims and actually to get the claims approved/funded (as mostly I hear complains about insurance companies declining the claims for some or other reason and honestly I have never met anyone who was successful in their claims for visitor insurance)

      • Hi Sourish, I wish we all could get that kind of data publicly. If I were you, I’d talk to them directly over the phone and demand the data.

Having lived in USA, India and UAE, worked for companies big and small, I share everything that I’ve learnt in life, on this blog. From spirituality to personal finance and everything in between. Come join me in my pursuit to happiness! > Here’s my journey so far!