John Hancock Gold

Offering the highest coverage limits of the three plans provided by John Hancock Insurance Agency, 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 14 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.

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
View Certificate
View Certificate
Refund Policy
10 Day Review Period
Insurance Underwriter
American Modern Home Insurance Company
AM Best Rating
Years in Business

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 14 days of Initial Trip Payment
Terrorism in Itinerary City
Foreign & U.S. Domestic
Interrupt for Any Reason
Cancel for Any Reason
75% of non-refundable trip cost [Requires purchase within 14 days of Initial Trip Payment and certain conditions to be met] (+$)
Baggage Loss
Baggage Delay
12+ hours
$600 max.
Travel Delay
3+ hours
$1000 max.

Supplier Default
Medical Limit
$100,000 (+$)
$200,000 (+$)
Complications of Pregnancy
$750 Incl. in Medical
Emergency Medical Expenses
Pre-Existing Conditions
Sudden Recurrence
If insurance purchased within 14 days of Initial Trip Payment and certain conditions are met
Lookback Period
60 Days
Pre-Existing Condition Period
Medical Evacuation
Evacuation from
Evacuation to
Evacuation criteria
Accidental Death
24-Hr Full Coverage
Common Carrier
Flight Only
$300,000 (+$)
$500,000 (+$)
Additional Benefits
24-Hour Emergency Assistance
Rental Car
$50,000 (+$) (secondary)

Adventure Sports
Adventure Sports Option (+$)
Available to
U.S. Residents

Customer Ratings

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

on average based on 92 reviews.

Better Business Bureau Rating

A.M. Best Rating

Latest Reviews

John Hancock
It was great to know that I was covered.
Louis S.
John Hancock
We had a delay, missed hotel, and lost baggage. I filed a claim and received reimbursement in a prompt manner. I definitely will recommend this coverage to friends or anyone that asks.
Ralph C.
John Hancock
Typically, medicare does not cover foreign medical expenses, and some travel insurance plans do not cover travelers with medicare as their primary health insurance. I was glad that this plan offered me primary coverage. It pays to go with a nationally known company. I could concentrate on having fun, and not worry about coverage- especially after 2 younger travelers had to receive casts after falls on-board the ship! For the price of a fancy dinner for 2, I had peace of mind and the confidence to pursue sports I enjoy.
See all reviews

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