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 930 reviews.
A.M. Best Rating
Better Business Bureau Rating
I thank God that I did not have to use this insurance. Overall, I was protected.
Maria Jennifer C.
We purchased this plan for a cruise in French Polynesia. While there, we had a medical emergency which required care. On our return flight to Los Angeles, the flight was delayed and I arrived too late to make my connecting flight and had to get a hotel room at the airport. We filed two claims for these small costs. We never received payment. HOWEVER, we belatedly called the company, and the representative advised that they had mailed checks. The timing was just when we transitioned from our summer home to our winter home, so the checks were clearly lost, and he confirmed that they had not been cashed. He said that he would stop payment on the original checks and issue replacements, which he did. Bottom line, our claims were honored without dispute. A very satisfactory experience!
Carl E.
My husband was admitted to hospital a day after we landed in London, on second day of our trip . We had already checked in for the next flight. It wasn't easy to find how to infirm you but I did so by email. It was nearly impossible to figure out how to actually file a claim. But I persisted, and it has now been paid. Claim was all by email and attached files. Eventually a check came for cruise part with some asterisks stating a letter would be sent about the medical part. No letter ever arrived! Eventually i sent another email and the claim was processed.
Brenda R.
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