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CoverAmerica Gold v/s Patriot America Plus

So, we saw in our earlier article why Atlas America is a better travel insurance plan than CoverAmerica Gold. In this article, let’s see why Patriot America Plus is a better travel insurance than CoverAmerica Gold.

If you’re looking for a travel insurance plan, then take a look at this article where I’ve listed down all the best travel insurance for USA.

Patriot America Plus is one of the most popular travel insurance for visitors to USA. And rightly so.

Unlike CoverAmerica Gold (which has gone through multiple underwriters and administrator changes in a short span), Patriot America Plus is a long-standing, ever so popular product, chosen by parents visiting USA and others.

Let’s compare CoverAmerica Gold to Patriot America Plus.

FeatureCoverAmerica GoldPatriot America Plus
Policy MaximumTo age 69: $50,000, $100,000, $250,000
Age 70-79: $50,000, $100,000
Age 80+: Unavailable
To age 69: $50,000, $100,000, $500,000, $1,000,000
Age 70-79: $50,000
Age 80+: $10,000
Acute Onset of Pre-existing ConditionsThrough age 69: To policy maximum
Age 70-79: $30,000

Cardiac and Stroke are separate from Acute Onset
Through age 69: $36,000
Age 70-79: No coverage
Under age 70: up to overall policy maximum limit
Age 70+: No coverage
Deductible$0 not available for any age.

Age 70-79: If policy maxmimum is $100,000, then deductible options are $1,000, $2,500, or $5,000

Through age 79: $100, $250, $500, $1,000, $2,500 and $5,000

$0 available

$0, $100, $250, $500, $1,000, $2,500
CoinsuranceOutside PPO: After deductible, 80% up to $5,000, then 100% to policy maximumOutside PPO: After deductible, 80% up to $5,000, then 100% to policy maximum
ER visit copay that does not end in hospital admittance$250$250
Prescription Drug Coverage90 day supply per prescription90 day supply per prescription
Emergency Eye Exam for a Covered Loss$200, $50 deductible per occurrence$150, $50 deductible per occurence
Local AmbulanceTo policy maximum when illness results in hospitalization as inpatient or for injury.To policy maximum when illness results in hospitalization as inpatient or for injury.
MaternityNoneNone
ClaimsWithin 180 days of serviceWithin 180 days of service
Dental - Acute, Unexpected Pain$250 - $50 Deductible per occurrence$300
Pre-certification penalty50%
Return of Minor child(ren)$100,000$100,000
Return of Mortal Remains$25,000To policy maximum
Emergency Medical Evacuation$1,000,000 maximum limit, includes pre-existing conditions$1,000,000

$25,000 for Acute Onset of Pre-existing Condition
Loss of Passport or Travel Documents$200None
Border Entry Protection$550None
Missed International ConnectionUp to $400 per insured person
International transit only in route to US and outside Country of Residence
Initial commercial carrier scheduled departure to US: delay of 3 hours or longer
Scheduled departure of the Commercial Carrier Connection: 12 hours after scheduled originating flight
Adverse weather, overbooking, or mechanical breakdown of Commercial Carrier
None
Travel Delay of 12+ hours and unplanned overnight stay$100
"Overnight" not included in specification.

Only covered for either a car accident substantiated by police report, or a lost or stolen passport substantiated by police report.
None
Accidental Death and Dismemberment$25,000 per adult (death or loss of two limbs, death must be within 90 days of accident); $12,500 (loss of 1 limb)

$5,000 per child (death or loss of two limbs, death must be within 90 days of accident); $2,500 (loss of 1 limb)

$250,000 maximum per family
$50,000 (death or loss of two limbs, death must be within 90 days of accident); $25,000 (loss of 1 limb)
Common Carrier AD&D$5,000 per child, $50,000 per adult, $250,000 maximum per family$25,000 per child, $100,000 per adult, $250,000 maximum per family
Cruise CoverageDepart and return to US port of call
Traveling to Canada, Mexico, Central America, Caribbean Islands, South America
Included
Home Country CoverageNoneIncidental: 14 days after 30 days continuous coverage
Hospital IndemnityNone$250 per night, maximum of 10 nights. Not available in U.S.
Identity Theft Coverage$500$500
TerrorismTo policy maximum$50000
Theme Park ActivitiesIncludedIncluded
Legal Fees$250 maximum
During the period of coverage only. Cannot be related to criminal activity and must be found guilty.
None
Personal Liability$50,000 maximum
Secondary.
For third person and damage to third person's property. No coverage to a related third party or damage to related third person's property.
$25,000 maximum
Secondary.
$100 deductible per insury to third person and damage to third person's property. No coverage to a related third party or damage to related third person's property.
Bedside VisitNone$1500
Felonious Assault$10,000 maximum

Must be substantiated by local law enforcement. Cannot be a a motor vehicle moving violation. Payable if the insured suffers one or more losses payable under AD&D. Only one benefit is payable for all losses.
None
Crisis Response$10,000 maximum

Must be substantiated by local law enforcement. Cannot be a a motor vehicle moving violation. Payable if the insured suffers one or more losses payable under AD&D. Only one benefit is payable for all losses.
None
Pet ReturnNone$1,000

Dog or cat only.
Cancellation FeeAfter effective date, pro-rated refund if no claims. No cancellation fee. Can't cancel individually in a policy.After effective date, pro-rated refund minus $50 if no claims. Can't cancel individually in a policy.
Policy Duration5 days-12 months5 days-12 months
Extendable24 months24 months
Claim AdministratorIMGIMG
UnderwriterSirius InternationalSirius International
Primary Geographic RestrictionsMailing or billing address can not be in Maryland
Citizenship country restrictions: Botswana, Gambia, Ghana, Niger, Nigeria, Sierra Leone

Home Country Restrctions, Unavailable: American Samoa, Guam, Nortern Mariana, Islands, Puerto Rico, United States Minor Outlying Islands, Virgin Islands (U.S.)
Mailing or billing address can not be in Maryland
Citizenship country restrictions: Botswana, Gambia, Ghana, Niger, Nigeria, Sierra Leone

Home Country Restrctions, Unavailable: American Samoa, Guam, Nortern Mariana, Islands, Puerto Rico, United States Minor Outlying Islands, Virgin Islands (U.S.)

Paper Application Required: Botswana, Cuba Gambia, Ghana, Iran, Niger, Nigeria, North Korea, Sierra Leone, Syria, Venezuela
In Market SinceDec 2017May 2015
AvailabilityAvailable only through one insurance brokerWidely through many insurance brokers
Product Stability and Ongoing AvailabilityNot Sure. Since the launch around less than 2.5 years ago, there have been 3 underwriters (Lloyds, Crum & Foster, and now Sirius International) and 2 plan administrators (Seven Corners, and now IMG) have changed.Very stable. The same underwriter and claims administrator since inception.
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Summary

As you can see, when you dig into the details, Patriot America Plus is by far a better an insurance plan than CoverAmerica Gold.

Whether it be short or long visits, Patriot America Plus, just like Atlas America, is a better choice.

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About the author

Mani Karthik

In my pursuit of happiness, I share everything I've learned, on this blog. From productivity to spirituality and everything in between. I quit my cozy job in the USA to pursue my passion - blogging. Today, I make five times what my US job paid. More than the money, I love the freedom it gives me to make my own choices. Come join me. Start blogging! :) WhatsApp : +0014084894785

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Mani Karthik

Hi, I’m Mani Karthik.
Entrepreneur. Blogger. Mentor.
I share my learnings and
experiences on this blog.
Even, you can start blogging.
Hope you like it.