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We had to cancel the trip due to what was happening in Barcelona. The airport was cloed and rioting was all over the city. People could not even get to the airport. This went on all week. We were supposed to fly on Wednesday and cancelled the trip. American airlines finally refunded my money. On Monday 53 people were injured at the the airport and the worst day of rioting in the city was Friday.

We did not go. Onthe 14th, the airport was closed and 53 people were injured there.I cancelled the flight on the morning of the 16th due to problems all over the city.People could not even get to the airport, ships docked in other cities and rioting broke out all over. This to me was terrorist attacks created by the Catalon seperatists against the Spanish government. American Airlines finally refunded my money. The insurance was useless.

We always purchase travel insurance and we travel international every year, sometimes even 3 times in a year and this recent trip was the First Time I actually wanted to use the benefit. I called the John Hancock office to inquire on canceling my trip due to my mother who is 90-years old had an accident and just had Hip Replacement surgery. My husband and I wanted to cancel the Spain trip and just spend time with my mother to help her in her recovery and therapy - the Insurance Agency said they cannot give a definitive answer if my Claim will be approve or rejected UNTIL I file a Claim and wait 30-days for an answer. I now realize Travel Insurance is a waste of money because people buy Insurance to remove the RISK in your Travels but when you need to use it, you will be asked to take the "RISK" anyway if you will be approved or rejected - so what is the point of having Insurance?

No one will probably ever read this review because the company obviously "curates" the reviews. If they are like may sites that self-publish reviews it is possible that fake reviews have been posted. Just ask yourself the question: Why would anyone write a review for one-time insurance they never used? Makes no sense. Some sites give you the option of showing the reviews with claims and they are rarely five stars.

Also, you may buy the policy from John Hancock which has a great reputation but the claims are actually processed by some company you've never heard in the midwest, like Seven Corners (check them on Yelp). So it is actually impossible to read see reviews for the company that actually processes the claims. Once you have made a claim and obtain the name of the claims processor if you go to Yelp and find an overall 1 Star rating and hundreds of horror stories about the claims process. In my experience claim will take 2 to 3 months if you're lucky and possibly never if they invoke the numerous loopholes in these policies.

Then you have another layer of websites like this one that publish "ratings" for companies they represent and articles from Forbes and other sources they pay for the media"reviews". Notice they are all five stars. Finally, you have google who is only going to display positive reviews and information provided by their paying customers, the insurance agent, insurance companies and the hidden companies that you actually deal with if you have a claim. Also note that although you can post a review for your local insurance agent on google there is no option of posting an unedited review for this site, John Hancock or other insurance companies on google, interesting...

Hopefully, the people that review these reviews will find this one worthy. However, I suspect they will be laughing with their workmates as they hit the delete button!

We were not able to get our money back on the air as they siad what was going on in barcelona was not terrorism. The airport was closed ,53 people were injured and there were problems all over the city. American Air finally refunded my money. The insurance was useless. We cancelled our trip.

My dealings with GGA were unhelpful, and a waste of my time and energy, to put it kindly. "Passing the buck", getting the run-around, however, you care to describe it, though kindly and polite, the 'Emergency Hotline" people were singularly unhelpful. (A bit like getting a computer technician 'from India'). Their phone help line seemed incapable, unprepared to answer the most basic questions, about providers, out-of-network providers, reimbursement, claim filing, etc.
I sustained a painful knee injury and needed treatment when I landed in Spain (from SF). For one month the pain continued, and it continued while I was in France for another month. I had purchased a 'comprehensive' policy with supposedly 'no out of pocked medical expenses.' —if I called emergency help line first, which I did several times. Ha! They had no one in Barcelona or Cadiz 'in network'. I was told to locate my own physician in both places I did, with some effort; then paid out of pocket, in cash for four treatments.
In Paris, I called the 'helpline' again and this time received in-network referrals. I made appt with in-network physician who promptly ordered an MRI for my knee. Again I called the 'helpline' to be sure they could make arrangements with osteopath and radiologist( I gave Drs. address, telephone) so I would not need to pay out of pocket. They assured me that, yes, they would, and then that they had, done so. No problem. When I arrived, however, I was told I had to pay for both doctor and MRI. After this, I received email notice from GGA that my claim had been filed and even given a claim number and told a representative would contact me soon (no one ever did).
Now I am home, I call GGA and am told 1)I have to file an official claim to even have any questions answered! The claim number they sent me was "not a 'real claim." 2) In addition to filing out various forms, I need to get a written 'disposition' from Medicare supplemental provider that they refuse to pay foreign costs (even though secondary covers ONLY what Medicare covers, no foreign medical coverage). 3) In the claim filing forms they sent me, I see: "invoices will not be accepted as proof of payment. You must provide credit card or cancelled checks." These foreign providers all requested CASH payments, and would not accept checks or credit cards. This caveat is not mentioned in the policy details.
In short, I am not going to bother to file a claim I am sure will be rejected. have wasted hours and hours of time and frustration attempting to get help from GGA with this injury. I would have been better off, handling this without trying to use them as an intermediary. I was fortunate, this is a relatively minor injury, but surely not worth the frustration, the jumping through the hoops and barriers set up by this company. Just get catastrophe insurance, I can only hope they might have come through if it was a life or death situation.

I never received the information I requested. I will never use this company in the future.