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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

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

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

Trip Protection

Trip Cancellation
Trip Interruption
Terrorism in Itinerary City
Interrupt for Any Reason
Baggage Delay
Vacation Rental Damage

Medical

Medical Limit

Accidental Death

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

Evacuation

Medical Evacuation

Additional Benefits

24-Hour Emergency Assistance
Optional Coverages
Notes

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 989 reviews.
A
A.M. Best Rating
A+
Better Business Bureau Rating
Thankfully my wife did not need to use this policy but it was a comfort to me to know she would be covered in the event of illness or accident. She was in the Philippines and unlike more modern countries it is not always easy to get the best healthcare and of course all costs have to be paid in cash up front before treatment is rendered which in my mind is outrageous.
Daryl C.
It's a plan that covers all bases. I've used it many times on previous trips. Thankfully I didn't have to use it but it was comforting to feel safe.
Andrew H.
My flight was cancelled and no flights were available for this and the following days. I didn't get any refund from airline for the cancelation because it was connected flight. We rented a car and drove 16 hours to get home next day. I filed the claim and got a full refund for car rental and other expenses on the way back. Claim was paid within 2 months. I would use this insurance again.
Olga K.
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