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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. 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.

Like the Bronze and Silver plans, 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 aditional rider that would allow you to cancel for any reason. 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 meet the eligibility requirements of Cancel For Any Reason Rider and you purchase this optional coverage, you would have the choice to cancel for reasons outside of the covered Unforeseen Events up to 48 hours prior to the scheduled departure date and receive up to 75% of your pre-paid and non-refundable trip cost. The additional John Hancock Gold plan Cancel For Any Reason coverage is not available in all states.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

Highlighted Coverages

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

Plan Info

Plan Type
View Certificate
Refund Policy
Available to
U.S. Residents
AM Best Rating


Medical Limit

Accidental Death

24-Hr Full Coverage
Common Carrier
Included in Accidental Death 24-Hour


Medical Evacuation

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 950 reviews.
A.M. Best Rating
Better Business Bureau Rating
I was pleased with my trip insurance with John Hancock. I submitted a claim for a delayed flight and they handled my claim in an expedited manner and to my satisfaction. I would use them again and recommend to others.
David B.
Although I did not file a claim, after doing a lot of research and speaking with helpful representatives at Insure My Trip and John Hancock, I believe I left with the best coverage for me and my circumstances and had great peace of mind after they answered all of my questions. I also felt that the coverage was reasonable for what I was getting. As best as I could tell, they had the shortest window for trip Interruption / delays. All of my expenses were for airfare, so this was an important thing to me. This is the second time I have used Insure My Trip and will most certainly use it again for my next one. One can easily compare coverages, and get very helpful support to clarify coverage language...once you've whittled down your choices.
Elizabeth B.
Nice to have the peace of mind that if something were to go wrong, I'd be covered. Thank you!
Jennifer M.
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