John Hancock Silver

The Silver plan is the mid-level policy offered by John Hancock and may be ideal for families traveling with children, as kids 17 and under are free as long as one parent is covered under the plan. Coverage is offered if you have to cancel or interrupt your trip for a typical covered reason which can range from an unforeseen illness, injury or death, to your destination being made uninhabitable by a natural disaster (please see your quoted plan for a full list of covered perils).

The Silver plan does offer higher limits of coverage than the Bronze plan for Baggage, Travel Delay, Medical and Emergency Medical Evacuation. This plan also includes Accidental Death coverages as well as an option to add Rental Car coverage. If you are concerned about a potential Pre-Existing Condition causing you to make a claim, this plan offers a Pre-Existing Conditions Waiver, which waives the Pre-Existing Condition exclusion up to the first $50,000 of medical coverage. You must purchase the plan within 21 days of the initial trip payment and meet all other eligibility requirements to qualify for the waiver.

There are many unforeseen issues that may arise, especially when you are traveling with children, and it is best to be prepared and have the peace of mind that this coverage provides.

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

Plan Info
Plan Type
Comprehensive
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
$1,000 (secondary)
Baggage Delay
12+ hours
$250 max.
(secondary)
Travel Delay
5+ hours
$150/day
$750 max
. (secondary)
Supplier Default
Medical
Medical Limit
$50,000
$150,000 (+$)
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 $50,000 Medical Coverage
Lookback Period
60 Days
Pre-Existing Condition Period
Evacuation
Medical Evacuation
$250,000
Evacuation from
Evacuation to
Evacuation criteria
Accidental Death
24-Hr Full Coverage
$25,000
Common Carrier
Flight Only
$0
$300,000 (+$)
$500,000 (+$)
Additional Benefits
24-Hour Emergency Assistance
Yes
Rental Car
$0
$50,000 (+$)

Available to
U.S. Residents

Customer Ratings

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

(4.61)
on average based on 91 reviews.

Better Business Bureau Rating
A

A.M. Best Rating
A

Latest Reviews

John Hancock
Silver
Fortunately, we did not need to use the plan, but were happy with the coverage offerred.
Clarence M.
John Hancock
Silver
Well, The "proof is in the pudding." Not having to file a claim associated with the insurance, I really can't give a totally thorough review. BUT, all in all, I like the ease of securing the policy. I appreciated the "your trip is about to begin" note. The coverage seemed very good for the price. I'll go with John Hancock again in the future.
HATTON K.
John Hancock
Silver
Well worth the piece of mind to have. We didn't need to file a claim, but I researched and read many reviews on this policy/company and was very confident that it wouldn't have been a problem if we'd had to file one. I'd buy this policy from the same company again.
Arnold S.
See all reviews

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