Travel Insurance Reviews John Hancock Insurance Agency, Inc. Gold
Offering the highest coverage limits of the three plans provided by John Hancock, the Gold plan offers the most included coverage as well as optional upgrades. This plan offers Trip Cancellation and Trip Interruption, as well as many other coverages including Missed Connection and Itinerary Change. These coverages could come in handy if a covered common carrier delay causes you to miss your cruise departure or if your travel supplier changes your covered trip itinerary after your departure date.
To learn more, see the John Hancock Insurance Gold product page.
The trip included a
cruise
tour
John Hancock
Gold
great turnaround time!
Rod B. would
recommend this plan to a friend or relative.
The trip included a
cruise
John Hancock
Gold
The plan provided us with peace of mind and was provided at a reasonable price. Thankfully nothing occurred but we were happy to have the coverage in place if we needed it.
Shelley C. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
John Hancock
Gold
John Hancock may be an adequate travel insurer but its claims administrator, Sedgwick, caused me never to purchase any type of John Hancock insurance coverage. Nineteen days before scheduled departure for a France guided tour, I had been hospitalized the second time in as many weeks for bronchitis. The second time was also for sinusitis and the new strain of Covid. CT/MRI scans of the sinuses also revealed that I had incurred a minor stroke. Because of the recurring respiratory infections and need for a cardiology referral, the hospital physician signed a statement medically advising to cancel the upcoming trip scheduled for August 20--September 6. Sedgwick rejected the letter for lack of "required documentation" but would not specify what was required. Four times submitting documentation that did not satisfy Sedgwick, I learned it only wanted physician to specify the dates I could not travel. When bronchitis returned for the third time, I showed the physician Sedgwick's email. He retroactively specified the dates I was restricted from travel. I do no recommend John Hancock insurance because of its claims adjuster, Sedgwick. Lesson learned: always confirm if the insurance company also administers claims. Third-party claims adjusters may be paid a bonus for the amount of claims denied. Caveat emptor!
Larry Dean M. would not
recommend this plan to a friend or relative.
The trip included a
tour
John Hancock
Gold
I am glad that I didn't have to use it, but this was a big expensive trip and if I couldn't have gone, or something happened, I was glad to have the option to get some of the money back.
Valerie F. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
John Hancock
Gold
Claims processing is cumbersome. They ask for far more information than they need. I think their goal is to frustrate you into just giving up. I travel to Europe several times a year and always get travel insurance. The is our first and LAST time with John Hancock.
Brad J. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
John Hancock
Gold
Price was reasonable and was the reason we chose the plan. We did not have any problems so can’t confirm how easy it would be to file a claim. We purchased the insurance so we had medical coverage while in Europe. No issues thankfully.
James H. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
John Hancock
Gold
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. would
recommend this plan to a friend or relative.
3 of
4 people found this review helpful
The trip included a
cruise
tour
John Hancock
Gold
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. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
John Hancock
Gold
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
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
PHIROZ T. would not
recommend this plan to a friend or relative.
2 of
5 people found this review helpful
John Hancock
Gold
Purchased John Hancock Gold plan for a trip to Croatia. Our flight to Croatia was cancelled. Luckily, we live in the area and were able return home not incurring any hotel fees (trip delay insurance max $200/day per person on the gold plan). We managed to get a flight out the next day. I was able to use the "trip delay" insurance coverage to cover the Lyft back home, to the airport the next day and our first night at the Airbnb which was non-refundable. The process took several months - The policy required that you get a written statement from the airline as to the reason for the delay. I wasted a lot of time on the phone with agents trying to get documentation with no results. Also sent emails to their customer service with no results. Finally, sent a letter (snail mail) to the airline's customer service and they responded with an email with the reason (BINGO!). It's odd, I had proof and documentation that the flight was cancelled - the challenge was getting the documented reason for the cancellation. I'm not sure why a reason also needed to be documented. Nevertheless, for all future trip planning I'm just going to assume that a claim will be filed and will ensure that all documentation any reasons for delays/cancellations and for any purchase is readily available so that I'm not in search of it later if a claim is actually made. I also know to use the mail (not email or the phone) when attempting to get an airline to respond to questions for claims.
John M. would
recommend this plan to a friend or relative.
2 of
5 people found this review helpful