John Hancock Insurance Agency, Inc. Gold

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.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

Protect your trip with cancellation, interruption, delay and medical benefits.

Highlighted Coverages

Trip Cancellation
Trip Interruption
Baggage Loss
Baggage Delay
Pre-Existing Condition Lookback Period
Medical Evacuation

Plan Info

Plan Type
View Certificate
Refund Policy
Available to
AM Best Rating
Years in Business

Trip Protection

Trip Cancellation
Trip Interruption
Terrorism in Itinerary City
Interrupt for Any Reason
Baggage Loss
Baggage Delay
Supplier Default


Complications of Pregnancy
Emergency Medical Expenses

Pre-Existing Conditions

Sudden Recurrence
Lookback Period
Pre-Existing Condition Period

Accidental Death

24-Hr Full Coverage
Common Carrier


Medical Evacuation
Evacuation from
Evacuation to
Evacuation criteria

Additional Benefits

24-Hour Emergency Assistance
Optional Coverages

Your Quote

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Ratings and reviews

Our customers rate the John Hancock Insurance Agency, Inc. Gold on our site
(4.55) of 5
on average based on 241 reviews.
A.M. Best Rating
Better Business Bureau Rating
The customer service at John Hancock Insurance was the worst I've experienced in over 20 years. While their office took information for a call back (twice) they never returned my calls. It took 3 days to reach an agent to ask questions about their policy and the agent was unwilling or unable to address my questions on the policy. After requesting to speak to a supervisor I was placed into a voicemail box and again no return call. Fortunately, I was within the 10-day review period so was able to cancel the JH policy. I purchased a policy from April who provided exceptional customer service when I contacted them with the same questions regarding their Choice policy. I highly recommend you check out policies offered by April vs. JH; April offers similar coverage (same underwriter as JH), are cost competitive, and April provides excellent customer service.
Brian H.
I found the John Hancock Insurance Agency very easy to deal with. There was a last minute change in travel dates and the Agency was very accommodating - no problem with them changing my coverage to the new dates. There has been no need to file a claim, so can't comment on how that would have been handled.
Melinda M.
I routinely buy travel insurance but this is only my second claim in 10 years! My luggage was delayed 3 days. After I emailed the company for directions, submitting the claim online (with scanned docs) was easy, and I was never asked to re-send anything. The only curious thing is, since this was a policy insuring two people, my baggage loss claim was split between my husband and me. Half the claim arrived 2.5 weeks before the other one, which caused initial confusion on my part and a concerned call to the agency. It would have been helpful to receive an explanation with the first check that the second half was on its way - or having two checks in the same envelope would have been a good idea! Either way, it's done now, and I am happy with the answers I got on the phone while we were in New Zealand as well as with the smoothness of the online claims procedure. I will buy from this company again.
Carlton K.
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