John Hancock Travel Insurance offers the Bronze Plan as their basic and most cost-effective plan for travelers. Anyone who is looking for insurance through the John Hancock Insurance Agency will get at least what is featured in the Bronze Plan. Most travelers who are searching for travel insurance or trip insurance should read the Bronze Plan specifications before they look at the other plans.
What Does The Basic Bronze Coverage Include?
The Bronze Plan includes trip insurance that will cover up to $10,000 in trip costs per person. This is a good way to protect travelers who are going on trips that are not overwhelmingly expensive. Plus, there is coverage for occurrences such as trip cancellations and interruptions. If customers are new to trip insurance, they should continue reading to learn what this coverage can do for them if they are caught in a bad situation.
Trip cancellation coverage is offered for trips that are canceled prior to departure, and coverage is offered if people need to interrupt their trip and return home due to a covered reason under the policy. Coverage is offered for baggage loss or delay, and there is also coverage for unforeseen medical emergencies. In the event of a claim, travelers need to remember to keep all receipts from their trip booking and from covered events during the trip so that they can prove when they were traveling, how much the trip costs were, and what type of reimbursable event they incurred during their trip.
How Is Trip Cancellation Or Interruption Covered?
Trip interruption and cancellation are covered up to the insured cost of the trip, and trip interruption offers an extra 25% of coverage to pay for more accommodations and travel, since traveling home at the last minute can be quite expensive. Someone who has an interruption or cancellation can file a claim if they experience:
- Unforeseen and sudden illnesses, injuries, or deaths
- Inclement weather that causes a public health and safety concern. This could include weather that makes the sea impassable or that closes roads and train tracks. Also, this could be due to weather that cancels a flight.
- Natural disasters or man-made disasters that make it impossible for the traveler to leave home or continue on their journey.
- Other disasters or situations that make the traveler’s current accommodations untenable.
Someone who is concerned about things like medical coverage and evacuations might need to look at the Gold and Silver plans to see what is offered, since the coverage levels will be substantially more on those plans. This plan also offers an optional upgrade for Car Rental Collision coverage. However, a lot of travelers do no rent cars because they do not want to drive in a foreign country. Moreover, some drivers prefer to use their current car insurance or buy coverage from the rental car provider in order to cover damage to their rental car. Consider all these factors when deciding on the Bronze Plan and its optional upgrades.
What Are The Coverage Basics?
Coverage basics for the Bronze Plan are listed below. This is the base level of coverage that everyone gets with John Hancock Travel Insurance, and travelers can get additional coverage if they want to move up to the Gold or Silver Plans. Travelers get the following from the Bronze Plan:
- Trip cancellation is covered up to the cost of the trip.
- Trip interruption is covered up to the cost of the trip plus 25% extra that will pay for more travel or hotel accommodations.
- Baggage is covered up $250 per person for a 12 hour delay.
- Medical coverage is offered up to $50,000 per person.
- Travelers can get the pre-existing condition exclusion waiver for all plans that are bought within two weeks of their trip deposit and if they insure 100% of their pre-paid and non-refundable trip costs.
- Medical evacuation is covered up to $250,000 per person for emergency evacuations to the nearest approved medical facility.
What Is The Best Option For The Traveler?
The John Hancock Bronze Plan is a good option for anyone who is taking a smaller trip with fewer people. This plan is cost-effective yet still offers a moderate level of coverage for any trip. The traveler can get trip insurance for most destinations in the world, and they can add the pre-existing medical condition rider if needed. Consider this plan, but also look at the Gold or Silver Plans when more coverage is required.
John Hancock Insurance Agency, Inc. travel insurance plans are underwritten by Starr Indemnity & Liability Company