Travel Insurance Reviews John Hancock Insurance Agency, Inc. Gold
Offering the highest coverage limits of the three plans provided by John Hancock, the Gold plan offers the most included coverage as well as optional upgrades. This plan offers Trip Cancellation and Trip Interruption, as well as many other coverages including Missed Connection and Itinerary Change. These coverages could come in handy if a covered common carrier delay causes you to miss your cruise departure or if your travel supplier changes your covered trip itinerary after your departure date.
To learn more, see the John Hancock Insurance Gold product page.
John Hancock
Gold
We have always used John Hancock travel insurance.
We have bought the gold package with the trip cost being $1.00 as we did not need to cover the travel cost. Hence the policy was purchased only for medical emergencies. And we have always confirmed this by phone with your office.
I contacted your office a few days ago to confirm as usual and I was informed that John Hancock do not cover medical for travel insurance and that I would need to provide the whole travel cost in order to get medical coverage.
This is a surprise and concern as I have always taken the policy for medical and not the travel cost. In which case why would the system let me even purchase a policy? Why do we receive a policy indicating the coverage? And what does the premium paid get applied to?
There seems to be a misrepresentation by your staff. I have purchased policies for myself and others for the last 10 years and was always informed by your office to put the trip cost at $1.00.
We recently traveled in September with the John Hancock policy. Had there been a medical emergency would your office have considered/covered the claim?
We buy insurance for peace of mind. I shudder to think what could have happened if we had a claim.
I need to know before purchasing future policies with John Hancock. I have emailed their office but no response has been received
I hesitate to give them a good rating after this.
I have always praised their service earlier
Thanks
Perviz Tarapore
We have bought the gold package with the trip cost being $1.00 as we did not need to cover the travel cost. Hence the policy was purchased only for medical emergencies. And we have always confirmed this by phone with your office.
I contacted your office a few days ago to confirm as usual and I was informed that John Hancock do not cover medical for travel insurance and that I would need to provide the whole travel cost in order to get medical coverage.
This is a surprise and concern as I have always taken the policy for medical and not the travel cost. In which case why would the system let me even purchase a policy? Why do we receive a policy indicating the coverage? And what does the premium paid get applied to?
There seems to be a misrepresentation by your staff. I have purchased policies for myself and others for the last 10 years and was always informed by your office to put the trip cost at $1.00.
We recently traveled in September with the John Hancock policy. Had there been a medical emergency would your office have considered/covered the claim?
We buy insurance for peace of mind. I shudder to think what could have happened if we had a claim.
I need to know before purchasing future policies with John Hancock. I have emailed their office but no response has been received
I hesitate to give them a good rating after this.
I have always praised their service earlier
Thanks
Perviz Tarapore
PHIROZ T. would not
recommend this plan to a friend or relative.
3 of
5 people found this review helpful
John Hancock
Gold
if i want to stay longer if they have another way then start over or if can add couple day to my trip thanks
Daniel C. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
John Hancock
Gold
My daughter got sick so we took her to a doctor. We paid cash and filed a claim. We received our money back within 2 weeks without any hassle.
Jose A. would
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
The trip included a
cruise
John Hancock
Gold
Did not file a claim.
Elwood H. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
John Hancock
Gold
First of all, reviews from people who did not "have to file a claim" are practically useless, since the claim process and trying to get a claim paid is where the problem arises.
I submitted a clearly covered claim for a trip including a cruise and roundtrip non-refundable airfare, with the required proofs of payment, unused tickets and cancellation notice from the cruise. The claim for the cruise was paid, but I had not cancelled my air ticket assuming no need since it was non-refundable (and the airline already had my money). Besides, I paid a higher premium for my insurance so airfare would be covered. WRONG! The airfare claim was denied.
I'm not sure everyone knows you need to actually cancel your ticket and get a "cancellation notice"(?) from the airline to have a claim paid. A no-show doesn't count. This is not clear in the policy rules.
Considering the claim process hassle, I'm not sure I will insure for airfare in the future.
I submitted a clearly covered claim for a trip including a cruise and roundtrip non-refundable airfare, with the required proofs of payment, unused tickets and cancellation notice from the cruise. The claim for the cruise was paid, but I had not cancelled my air ticket assuming no need since it was non-refundable (and the airline already had my money). Besides, I paid a higher premium for my insurance so airfare would be covered. WRONG! The airfare claim was denied.
I'm not sure everyone knows you need to actually cancel your ticket and get a "cancellation notice"(?) from the airline to have a claim paid. A no-show doesn't count. This is not clear in the policy rules.
Considering the claim process hassle, I'm not sure I will insure for airfare in the future.
barrie b. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Mike
Thank you for your feedback on the policy. We appreciate you using InsureMyTrip for your travel insurance needs. We are sorry to learn that you were unable to travel and are dissatisfied with this policy. The claims administrator is required to adjudicate claims based on the terms and conditions of the policy and they will require Proof of Loss. In the future, please consider contacting the claims department immediately after suffering a loss to receive the claims procedure. Please call us at 800-487-4722 if you have any questions or concerns. We would be happy to assist you.Jul 13,2017
The trip included a
tour
John Hancock
Gold
Had to cancel the trip due to family illness/death. Claim was paid in 2-3 weeks of submission.
John P. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
John Hancock
Gold
I called twice while on my trip to get some information about what was covered because we ran into some problems. Both times they could not answer my questions and told me they'd have someone from John Hancock call me back. I never received a return phone call. A total waste of money!
Tanya B. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
The trip included a
cruise
John Hancock
Gold
Didn't file a claim so we can't really says anything about it.
Enrique G. would
recommend this plan to a friend or relative.
The trip included a
cruise
John Hancock
Gold
Plan was easy to acquire and covered what I wanted. Did not need to use, so no input on how it works if you have a loss.
Byron H. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
John Hancock
Gold
I purchase travel insurance because of pre existing health conditions. This policy included a waiver for those issues if stipulations were met. Coverage for medical evacuation was larger than some. Other coverage was standard, and price was good for coverage of the specific items that I needed. I did not file a claim.
Bobby H. would
recommend this plan to a friend or relative.