John Hancock Insurance Agency, Inc. Silver

The John Hancock Silver Plan is designed for both Domestic and International travel coverage. There are valuable benefits you may need before and during your trip when your travel plans could change due to unexpected delays or interruptions. This plan includes a wide range of coverages including trip cancellation, trip interruption and trip delay, plus primary accident or sickness medical coverage. There are no deductibles on claims and you can customize a personal plan by adding optional coverages including Trip Cancellation for Any Reason, rental car coverage and increased Common Carrier Accidental Death and Dismemberment limits.

If you are taking a cruise or a well-planned vacation, the John Hancock Silver travel insurance plan is a good insurance option to include in your travel plans. If your trip is delayed en route to or from your destination for 3 hours or more, the Silver plan includes benefits to help with unexpected out-of-pocket arrangements. Covered reasons include inclement weather, sickness of you or a family member, or airport closures are a few of the many covered occurrences. Baggage delay or loss is covered with some benefits starting after just 12 hours of checked luggage being delayed. Multilingual assistance is available 24/7 in case you need help during your trip or even assistance with arrangements to return home due to an emergency. Please refer to the policy for all the benefits, terms and conditions.

John Hancock Insurance Agency, Inc. Bronze

The Bronze plan is the most economical policy offered by John Hancock Insurance Agency. It includes basic limits of coverage for standard comprehensive benefits like trip cancellation, trip interruption, travel delay, baggage, and emergency medical coverage.

This plan allows you to insure trip costs up to $10,000 per person, making it ideal for insuring smaller, less expensive trips. If you would like to protect your travel investment from unexpected trip cancellation or trip interruption, this plan offers coverage if you have to cancel your trip prior to departure (for a covered reason) or if you have to return home in the middle of your trip, due to a covered reason.

The John Hancock Bronze plan covers typical reasons for cancellation and interruption such as:

• Unforeseen illness, injury or death
• Adverse weather or Natural Disaster resulting in the obstruction of public roadways or curtailment of public transportation, that prevents Your ability to arrive at Your Land/Sea Arrangements.
• Natural Disaster or documented man-made disaster at the point of departure or Your destination that renders Your primary residence or the accommodations at Your destination uninhabitable.

For a full list of covered perils, please see the full details of the quoted plan.

If you are looking for a plan that is more robust in coverage, specifically the medical and evacuation benefits, you may want to look at the Silver and Gold plans offered by John Hancock Insurance Agency.

International Medical Group iTravelInsured Travel LX with CFAR

The iTravelInsured Travel LX with CFAR plan has excellent coverage, like the iTravelInsured Travel SE plan, but with additional included benefits. The plan is specifically designed for luxury and adventure trips to exotic locations.

In addition to traditional trip cancellation and trip interruption coverage, the LX with CFAR plan offers Cancellation for Any Reason and Interruption for Any Reason as an additional benefit for travelers. These benefits are available to those who purchase this plan within 20 days from your initial trip deposit and certain conditions are met. This coverage will help to reimburse you up to 75% of the total trip cost if your trip must be cancelled or interrupted for any reason not listed as a covered peril within the plan details.

The LX with CFAR plan offers a pre-existing condition waiver if your plan is purchased within 20 days of your initial trip deposit (coverage varies by state, please refer to your policy documents for further details). Unlike the SE plan, this plan has up to $1,000,000 in coverage for emergency medical evacuation and automatically includes the hospital of choice benefit as well. The plan also includes $50,000 for Political or Security Evacuation and Natural Disaster Evacuation.

Additionally, this plan includes missed trip connection for coverage if you miss your trip departure because your arrival at your trip destination is delayed for at least three consecutive hours, due to one of the covered reasons under missed trip connection in the plan details.

International Medical Group iTravelInsured Travel LX

The iTravelInsured Travel LX plan has excellent coverage, like the iTravelInsured Travel SE plan, but with additional included benefits. The plan is specifically designed for luxury and adventure trips to exotic locations.

The LX plan offers a pre-existing condition waiver if your plan is purchased at or before the final payment for your trip (coverage varies by state, please refer to your policy documents for further details). Unlike the SE plan, this plan has up to $1,000,000 in coverage for emergency medical evacuation and automatically includes the hospital of choice benefit as well. The plan also includes $50,000 for Political or Security Evacuation and Natural Disaster Evacuation.

Additionally, this plan includes missed trip connection for coverage if you miss your trip departure because your arrival at your trip destination is delayed for at least three consecutive hours, due to one of the covered reasons under missed trip connection in the plan details.

International Medical Group iTravelInsured Travel SE

The iTravelInsured Travel SE plan offers well-rounded coverage for domestic or international travel. This plan is ideal for protecting a variety of trips, from cruises and tour packages to family travel. Cancel and Interruption for Any Reason (CFAR/IFAR) can be purchased as an optional upgrade at an additional cost. (Not available in NY).

This plan includes coverage for travel delay if you are delayed for twelve (12) consecutive hours or more during the course of Your Trip for one of the covered reasons listed under Trip Delay in the plan details. This plan also includes rental car coverage if your rental car is damaged while on a trip due to collision, theft, vandalism, natural disaster or any cause beyond your control while in your possession, or your rental car is stolen and not recovered.

If you purchase this plan within 20 days of your initial trip payment and you are not disabled from travel at the time of purchase, you may be eligible for coverage for pre-existing medical conditions. This means that the accident & sickness coverage on this plan would most likely reimburse you for any expenses, even if they were due to a pre-existing medical condition.

This plan also includes missed trip connection coverage. If a covered reason delays you 6 hours or more and causes you to miss your cruise or tour departure, this benefit could cover the cost of the non-refundable deposits or additional transportation to join the already departed cruise or tour.

International Medical Group iTravelInsured Choice

iTravelInsured Choice offers a budget-friendly solution to travel’s worst moments. Whether it’s a cancelled flight, delayed baggage, or a medical emergency while away from home, iTravelInsured Choice provides benefits to help get you through it.

This well-rounded plan includes coverage for trip cancellation, trip interruption, missed connections, baggage loss or delay, emergency medical evacuations, emergency accident and sickness medical expenses, and much more.

iTravelInsured Choice insures trip costs up to $10,000 per person. If you’re taking a more expensive trip, consider iTravelInsured Travel SE or iTravelInsured Travel LX, which both insure trip costs up to $150,000. iTravelInsured Choice is ideal for families traveling domestically or cruising abroad, couples and solo travelers exploring the world, weekend getaways, business travel, and nearly every trip in between.

HTH Worldwide Trip Protector Preferred

The HTH Worldwide Travel Insurance TripProtector Preferred plan builds upon the Trip Protector Classic plan. The plan also offers the option to add on cancellation for any reason, if you are purchasing the insurance within the time sensitive period and certain conditions are met. This allows you to cancel the trip for any reason up until two days before departure and receive a refund of 75% of your trip cost.

The TripProtector Preferred plan also includes trip interruption coverage, which reimburses up to 200% of the insured trip cost. The additional amount can help to offset the cost of an emergency one-way ticket back home. TripProtector Preferred offers medical coverage of $500,000, and does not require you to have primary health insurance in force to be eligible for coverage.

You are provided with a 24-hour emergency hotline that you can call for informational services, emergency assistance and concierge services. Security profiles can be obtained for your destination so that you can be well prepared wherever you may be traveling. It will allow you to stay on top of any travel alerts or health warnings that may arise before or while you are traveling.

Also, access to HTH’s global community of physicians, dentists, hospitals and other healthcare providers is available. Search online to find and choose the provider that best fits your needs. You can obtain provider profiles, which give you details about the doctor, their qualifications and specialty services that they provide. This service allows you to make an informed decision if you need to seek medical attention during your trip.

The plan also includes the Direct Billing program. If you choose a provider within the HTH network and inform them 24 hours or more prior to the appointment, (or use HTH representatives to make the appointment for you) they may pay for your medical care up front. This can help you avoid a claims process.

HTH Worldwide Trip Protector Classic

The HTH Worldwide Travel Insurance TripProtector Classic plan offers comprehensive travel protection, which includes trip cancellation and trip interruption coverage. Along with protecting the cost of your trip, this plan also offers coverage for baggage loss or delay and travel delay. If your bags are delayed for more than 12 hours, coverage is offered to help reimburse you for necessities you may need to purchase.

As for medical coverage, this plan offers high limits of coverage, and does not require you to have primary health insurance in force to be eligible for coverage. This plan also offers coverage for emergency medical evacuation while you are traveling. There are also Accidental Death & Dismemberment benefits for your beneficiaries.

The TripProtector Classic plan also provides you with a 24-hour emergency hotline that you can call for informational services, emergency assistance, concierge services and security profiles of your destination so that you can be well prepared wherever you may be traveling. This can highlight any travel alerts or medical warnings that may be occurring during your time of travel.

You will also have access to HTH’s strong, global community of physicians, dentists, hospitals and other healthcare providers. Search online and choose the provider that best fits your needs. You can obtain provider profiles, which give you details about the doctor, their qualifications and specialty services that they provide. This service allows you to make an informed decision if you need to seek medical attention during your trip.

The plan also includes the Direct Billing program. If you choose a provider within the HTH network and inform them 24 hours or more prior to the appointment, (or use HTH representatives to make the appointment for you) they may pay for your medical care up front. This can help you avoid a claims process.

WorldTrips Atlas Journey Explore

Atlas Journey Explore, underwritten by U.S. Specialty Insurance Company (USSIC), is a comprehensive trip protection plan for U.S. residents traveling domestically and abroad.

This customizable plan features a Trip Cancellation benefit that provides full reimbursement for prepaid, nonrefundable trip costs if you cancel your trip for one of many covered reasons. It offers many other travel-related benefits as well, including Trip Interruption, Travel Delay, Missed Connection, and Baggage Damage or Loss.

Atlas Journey Explore also includes several travel medical benefits to help cover unexpected health costs, like Emergency Accident & Sickness Medical Expense, Accidental Death & Dismemberment, and Medical Evacuation & Repatriation of Remains.

Customize your Atlas Journey Explore plan by adding one or more optional upgrades, including a Trip Cancellation for Any Reason upgrade. This benefit upgrade offers reimbursement for up to 50% or 75% of your nonrefundable trip costs if you cancel your trip at least two days before departure for a reason not already covered by your Trip Cancellation benefit.

Other optional upgrades include Adventure Sports, Rental Car Damage and Theft, Medical Evacuation, and Pet Care.

Finally, the Atlas Journey Explore plan features travel assistance services to assist you before and after you depart on your trip. These multilingual services include medical assistance, transportation services, emergency travel services, pre-trip information, referrals, and more.

While everyone hopes for a trip free of interruptions or emergencies, Atlas Journey Explore is designed to be there for you if trouble arises.

In the State of California, operating as WorldTrips Insurance Services. California Non-Resident Producer License Number: 0G39705

WorldTrips Atlas Journey Elevate

Atlas Journey Elevate, underwritten by U.S. Specialty Insurance Company (USSIC), is a comprehensive trip protection plan for U.S. residents traveling domestically and abroad. It offers the highest coverage limits of the Atlas Journey series.

This customizable plan features a Trip Cancellation benefit that provides full reimbursement for prepaid, nonrefundable trip costs if you cancel your trip for one of many covered reasons. It offers many other travel-related benefits as well, including Trip Interruption, Travel Delay, Missed Connection, and Baggage Damage or Loss.

Atlas Journey Elevate also includes several travel medical benefits to help cover unexpected health costs, like Emergency Accident & Sickness Medical Expense, Accidental Death & Dismemberment, and Medical Evacuation & Repatriation of Remains.

You can customize your Atlas Journey Elevate plan by adding one or more optional upgrades, including a Trip Cancellation for Any Reason upgrade. This benefit upgrade offers reimbursement for up to 50% or 75% of your nonrefundable trip costs if you cancel your trip at least two days before departure for a reason not already covered by your Trip Cancellation benefit.

Other optional upgrades include Interrupt for Any Reason, Adventure Sports, Rental Car Damage and Theft, and Pet Care.

Finally, the Atlas Journey Elevate plan features travel assistance services to assist you before and after departure. These multilingual services include medical assistance, transportation services, emergency travel services, pre-trip information, referrals, and more.

While everyone hopes for a trip free of interruptions or emergencies, Atlas Journey Elevate is designed to be there for you if trouble arises.

In the State of California, operating as WorldTrips Insurance Services. California Non-Resident Producer License Number: 0G39705