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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

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 976 reviews.
A
A.M. Best Rating
A+
Better Business Bureau Rating
Paid claim with ZERO hassle. Rough trip - lost Bose headphones between plane and baggage claim. Then arrived at YVR late due to flight delay. Had to take a cab and get a hotel room. Both claims paid with zero hassle. Impressive.
mark M.
This was my second time buying John Hancock trip insurance via Insuremytrip.com. On our recent vacation in Thailand my girlfriend became ill which required seeing a doctor and modifying our travel arrangements. John Hancock couldn't have been easier to deal with. I spoke to them from Thailand and they immediately started the claims process. When we arrived back in the U.S. I submitted the paperwork via their online portal. At one point they did ask for additional documentation that I didn't realize was required but I completely understood why they needed it to verify the legitimacy of travel change fees. We received the check about a month after we started the claims process. I don't normally write online reviews but I wanted to make sure they receive the credit they deserve. When I purchase trip insurance i have a nagging worry that the company will find a way out of a claim but that absolutely wasn't the case here. I plan to use them again for a cruise this summer.
Steven S.
I liked this plan to cover 3 hours flight delay, but in my case I wanted insurance to cover meals when flight schedule changed. My flight changed earlier than original time , so that I missed a hotel breakfast and needed to purchase it out of my pocket. Both Air line and insurance did not cover this portion even this is not my fault.
Yukinori Y.
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