Serving millions of customers in 22 countries and territories, John Hancock Insurance Agency, Inc. is a leading travel insurance provider and a subsidiary of Manulife Financial Corporation. They have achieved success by offering comprehensive travel insurance coverage combined with excellent customer service. John Hancock Insurance Agency, Inc. serves the diverse needs of domestic, international, and cruise trip travelers and their three trip insurance plans are underwritten by Starr Indemnity & Liability Company. To ensure that travelers get the coverage that meets their needs, John Hancock provides a 14 day free look period, whereby plans can be canceled and refunded if the trip departure date hasn’t passed and a claim hasn’t been filed at the time of the cancellation.
Travelers Can Choose From Three Plans
As a traveler looking for trip insurance, you can select from three different plans offered by John Hancock. You can choose from the Bronze, Silver, or Gold plans.
The Bronze plan, offered by John Hancock Insurance, is the most economical policy. This policy includes coverage for standard comprehensive benefits such as trip interruption, trip cancellation, baggage, travel delay, and medical coverage.
This policy allows a person to ensure their trip costs to a total of $10,000 per person. This is a great way to ensure shorter, less expensive trips. If you must cancel your trip, you can be covered for covered reasons such as unforeseen death, injury, or illness. Also, if you face a natural disaster or adverse weather which prevents you from arriving at your land/sea arrangements, you may be covered. If you encounter a natural disaster, you may also be covered. The full details covered by the Bronze plan are available for review when quoting and comparing on our website.
John Hancock also offers the Silver plan, which is a mid-level policy. It should be considered if you are traveling with children. If your child is 17 years old, or younger, their insurance is free, provided one parent is covered under this plan. If you are faced with canceling your trip, or if your trip is interrupted under the provisions of the plan, your pre-paid and non-refundable trip costs are covered. The Silver plan also provides higher limits of coverage as opposed to the Bronze plan. These higher limits are for baggage, travel delay, medical, and emergency medical evacuation. If you are in a situation where you need to use your plan, you will find there are no deductibles for you to pay on claims. You can also add optional coverage which allow you to customize your travel insurance plan. This available optional coverage includes trip cancellation for any reason and car rental collision coverage.
As the name implies, the John Hancock Insurance Gold Plan is the top of the line option and offers slightly more coverage than the Bronze plan. It is available for most destinations in the world and offers you a wide range of coverage. The Gold plan provides standard benefits such as emergency medical and emergency medical evacuation, baggage protection, travel delay, trip cancellation, and trip interruption. In addition, there is coverage for missed connections. For example, if you miss your cruise, due to a reason covered by the insurance (such as a flight delay), the plan offers a benefit to assist you with the charges of arriving at the next port of call in order to meet your cruise.
The Gold plan also provides additional benefits at an additional cost. For example, you can add optional rental car collision coverage and cancel for any reason coverage on our checkout page. The Gold plan offers trip cancellation coverage up to 100% of the insured trip cost and also provides trip interruption coverage up to 150% of the insured trip cost. It also includes coverage for terrorism as a covered reason under trip cancellation and trip interruption coverage. If you have a medical emergency while traveling, you’ll have up to $250,000 coverage per person available. Your pre-existing condition can be covered if the insurance is purchased within 14 days of the trip deposit and you insure 100% of your pre-paid and non-refundable trip costs. In the event you face a medical evacuation, you’ll have up to $1,000,000 coverage per person.
Once you compare the three plans on TravelInsurance.com, you will learn the differences between them and can buy the right one for your trip with instant confirmation of coverage.
John Hancock Insurance Agency, Inc. travel insurance plans are underwritten by Starr Indemnity & Liability Company