John Hancock Insurance Agency, Inc. is a subsidiary of Manulife Financial Corporation, a leading North American-based financial services group serving millions of customers in 22 countries and territories worldwide. All travel insurance plans offered by John Hancock are underwritten by Starr Indemnity & Liability Company.
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The number one covered reason for Trip Cancellation on the John Hancock Insurance Agency, Inc. Gold plan is an:
"Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your
Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date."
In order to receive reimbursement for your covered trip cost, you must complete and submit a Trip Cancellation claim from to the claim administrator. A section of the claim from must be completed and signed by the treating physician because the trip was cancelled due to medical reason. This is industry standard protocol. We would be happy to assist you with any questions or concerns. Our toll free phone number is 800-472-4722.