The John Hancock Travel Insurance Gold Plan is the best of the three options that are offered by this company. When travelers want to insure their vacations or business trip, they need to make sure that they know what they are buying. Travelers will get all the basic coverage that they get with other plans offered by John Hancock (with higher dollar amounts of coverage for most benefits), and they even get a few extras that will be useful while on the road.
How Does This Plan Compare To Standard Bronze Or Silver Coverage?
The Gold Plan offers the basic coverage from the Bronze and Silver plans but with higher benefit limits for most coverage line items. This means that there is trip cancellation coverage, trip interruption, delay coverage, and baggage coverage. Plus, there are emergency medical allowances in case someone needs emergency care while they are on a trip. This even includes medical evacuations which might be needed when people are traveling in remote areas.
What Else Does The Gold Plan Offer?
The Gold Plan will cover all travelers who have missed a connecting flight, and that coverage extends to the things that are missed because the traveler never got on that flight. For example, some people will miss a cruise or train because they were not able to get on their connecting flight due to a covered reason. The costs incurred to catch up to the missed cruise or train ride are covered under the Gold Plan. Customers need to ensure that they have a copy of their itinerary so that they can prove their connecting flight caused other delays or cancellations.
Pre-Existing Conditions Can Be Covered
The Gold Plan offers coverage for pre-existing medical conditions. This means that someone who is on their vacation can get coverage if they have something like an asthma attack. The traveler does not need to worry about filing claims with their traditional medical insurance. Pre-existing medical coverage is offered if the plan is purchased within 14 days of the initial trip payment and if 100% of pre-paid and non-refundable trip costs are insured.
Travelers are advised to keep all their receipts and documentation to ensure that they can create a paper trail for their claims. This is the optimal way for the customer to file their claims when they need to prove how much was spent on medical expenses. Plus, this is needed when claiming for coverage due to a pre-existing condition as you’ll need to prove when the trip deposit was made.
What Are The Additional Benefits Offered Through This Plan?
The plan has additional coverage that travelers need when they are on a big trip. Travelers can purchase an optional rental car collision damage upgrade. All drivers need to make sure that they have checked with the rental car company to find out if that company will allow this type of insurance.
There is a “cancel for any reason” upgrade for the policy that literally allows travelers to cancel their plans for any reason very close to their trip date (usually up to 48 hours before the trip) and get 75% of their money back. This means that 75% of the insured trip costs are reimbursed by the insurance policy, but this coverage is not offered in every state and is only available if you purchase the plan within 14 days of the initial trip payment and insure 100% of your pre-paid and non-refundable trip costs.
Basic Coverage Information
John Hancock Gold Plan trip insurance includes the following:
- Trip cancellation is covered up to 100% of insured pre-paid and non-refundable trip costs.
- Trip interruption is covered at the trip cost plus 50% to cover additional expenses to return home for a covered reason.
- Baggage coverage goes up to $2,500 and there is a $250 per article limit.
- Baggage delay covers delays of more than 12 hours, and there is a $500 limit.
- The pre-existing condition waiver can be part of the policy if purchased within 14 days of the trip deposit and if 100% of pre-paid and non-refundable trip costs are insured.
- Medical evacuation is covered up to $1,000,000 per person.
The John Hancock Gold Plan offers a level of travel insurance that most people did not know was possible. The plan will cover travel, baggage, rental cars, and even medical expenses. Ensure that this plan has been purchased in advance of the trip to ensure that all the coverage is available.
John Hancock Insurance Agency, Inc. travel insurance plans are underwritten by Starr Indemnity & Liability Company