John Hancock 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.

With this plan, if purchased within 21 days after making the initial trip deposit (and all other eligibility requirements are met), the pre-existing conditions exclusion will be waived in the event that you have to make a claim due to a covered medical reason. The Pre-Existing Conditions Waiver applies to medical coverage up to $75,000.

Coverages included within this plan are Accidental Death - 24 Hour and Accidental Death Common Carrier as well as Rental Car, Baggage, Travel Delay and Emergency Medical Evacuation coverages.

The plan information below is nonspecific. To see actual amounts and to check plan availability, get a quote.

Plan Info
Plan Type
Comprehensive Plans
View Certificate
View Certificate
Refund Policy
10 Day Review Period
Insurance Underwriter
Old Republic
AM Best Rating
A
Years in Business
79

Coverage amounts are per person, unless otherwise noted.
Click a coverage to read details or view the full certificate.

Trip Protection
Trip Cancellation
Trip Cost
Trip Interruption
Trip Cost + 50%
Financial Default
14 day wait if purchased within 21 days of Initial Trip Payment
Terrorism in Itinerary City
Foreign & U.S. Domestic
Cancel for Any Reason
Baggage Loss
$2,500 (secondary)
Baggage Delay
12+ hours
$600 max
. (secondary)
Travel Delay
5+ hours
$200/day
$1,000 max.
(secondary)
Supplier Default
Medical
Medical Limit
$75,000
$175,000 (+$)
Complications of Pregnancy
Terrorism
Dental
$750 Incl. in Medical
Emergency Medical Expenses
Pre-Existing Conditions
Sudden Recurrence
Waiver
If insurance purchased within 21 days of Initial Trip Payment; Pre-Ex Waiver available for up to $75,000 Medical Coverage
Lookback Period
60 Days
Pre-Existing Condition Period
Evacuation
Medical Evacuation
$2,000,000
Evacuation from
Evacuation to
Evacuation criteria
Accidental Death
24-Hr Full Coverage
$25,000
Common Carrier
$100,000
Flight Only
$0
$300,000 (+$)
$500,000 (+$)
Additional Benefits
24-Hour Emergency Assistance
Yes
Rental Car
$50,000

Available to
U.S. Residents

Customer Ratings


Our customers rate the John Hancock Insurance Agency, Inc. Gold plan on our site

(4.63)
on average based on
58 reviews.

Better Business Bureau Rating
A+

A.M. Best Rating
A

Latest Reviews

John Hancock
Gold
Although I did not have to file a claim, having the insurance gave me peace of mind because the plan was very good.
Massako Kadekaro K.
John Hancock
Gold
Unfortunately it was necessary for us to file a claim due to an injury. The company representative I spoke with was very polite and helpful. The company processed the claim quickly and returned a check in a timely manner. We are very pleased and would highly recommend this company.
Byron V.
John Hancock
Gold
Traveled to the Philippines. I did not use the policy, purchased for peace of mind.
thomas b.
See all reviews

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