The John Hancock Gold plan offers the highest coverage limits of the three plans provided by John Hancock Insurance Agency on InsureMyTrip. The plan includes many of the standard coverages included in comprehensive travel insurance plans, as well as other helpful benefits and optional upgrades to make the plan meet your needs.
In the Gold plan, you’ll find the standard benefits to protect your travel investment. Trip cancellation, trip interruption, travel delay, baggage protection, emergency medical and emergency medical evacuation are all coverage offered by this plan.
The Gold plan also offers coverage for missed connection and itinerary changes. For instance, if you miss your cruise, due to a covered reason (like a weather-related flight delay), this plan offers a benenfit to help with the cost of getting you to the next port of call to meet your cruise. Also, if your travel supplier changes the itinerary on your trip due to a covered reason which prevents you from participating in an activity pre-paid prior to departure, then you may be entitled to reimbursement.
Like the Silver plan, the Gold plan does provide coverage for pre-existing conditions – if you are eligible. In the event that you have to make a claim due to a covered medical reason, the pre-existing condition exclusion may be waived if the plan is purchased within 14 days after making the initial trip deposit (and all other eligibility requirements are met).
This plan also lists several additional benefits available for purchase. If needed, you can add on rental car collision coverage as well as an adventure sports rider. If you add rental car coverage, be sure to check with your rental car company to see if they will honor the coverage. If you are planning adventure sports such as bungee cord jumping, scuba diving (up to certain depths), or skydiving, the rider may be a good option for you to expand coverage due to injury during one of those activities.
Comprehensive travel insurance plans offer the most benefits and optional coverages. These plans provide the best protection for the investment made in a trip.