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. The Silver plan does offer higher limits of coverage than the Bronze plan for Baggage, Travel Delay, Medical and Emergency Medical Evacuation.
I can't comment on how well the plan covered my medical expenses since I had no claim. Until you have a claim I believe you don't know how good a plan is. I needed a plan to cover helicopter skiing and this one was reported to do so.
John F. would
recommend this plan to a friend or relative.