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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.

Customers rated the John Hancock Insurance Agency, Inc. Gold plan
4.55 out of 5
1,022
ratings and reviews
96%
recommended
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Cruise
Filed claim
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
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
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.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
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
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
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.
2 of 3 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
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
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
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
PHIROZ T. would not recommend this plan to a friend or relative.
3 of 5 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
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.
3 of 5 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
John Hancock Gold
Thankfully didn’t need to use the insurance, but the coverage was what I wanted.
Janet I. would recommend this plan to a friend or relative.
3 of 5 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
John Hancock Gold
Good coverage, and I received the refund for my overseas medical expenses. However, it took several months to get it ...
Pearl H. would not recommend this plan to a friend or relative.
4 of 6 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
tour
John Hancock Gold
Very high cost but in line with other provideers
Peter C. would recommend this plan to a friend or relative.
3 of 5 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
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