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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 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

To see the most accurate plan information and pricing Get a Quote

Ratings and reviews

Our customers rate the John Hancock Insurance Agency, Inc. Gold on our site
(4.55) of 5
on average based on 1018 reviews.
A.M. Best Rating
Better Business Bureau Rating
The purchase of the insurance was easy. The documents were delivered right away and it gave me peace of mind. I am happy I did not need it, but heard about a girl yesterday breaking her ankle on day 5 of her trip and had to return home for surgery.One never knows what can happen and better safe than sorry.
Mirtha M.
The good news, I never had to use the plan. I do have underlying health concerns so I pick a great plan. I was an insurance agent for 33 years and sold some of product during that period. Our agency had our retirement plan with JH and I was the active administrator.
Richard L.
We have always used John Hancock travel insurance. We have bought the gold package with the trip cost being $1.00 as we did not need to cover the travel cost. Hence the policy was purchased only for medical emergencies. And we have always confirmed this by phone with your office. I contacted your office a few days ago to confirm as usual and I was informed that John Hancock do not cover medical for travel insurance and that I would need to provide the whole travel cost in order to get medical coverage. This is a surprise and concern as I have always taken the policy for medical and not the travel cost. In which case why would the system let me even purchase a policy? Why do we receive a policy indicating the coverage? And what does the premium paid get applied to? There seems to be a misrepresentation by your staff. I have purchased policies for myself and others for the last 10 years and was always informed by your office to put the trip cost at $1.00. We recently traveled in September with the John Hancock policy. Had there been a medical emergency would your office have considered/covered the claim? We buy insurance for peace of mind. I shudder to think what could have happened if we had a claim. I need to know before purchasing future policies with John Hancock. I have emailed their office but no response has been received I hesitate to give them a good rating after this. I have always praised their service earlier Thanks Perviz Tarapore
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