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.
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.
3 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.
3 of
5 people found this review helpful
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
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
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
John Hancock
Gold
While fortunately we didn’t have to ‘use’ the plan, it was a great peace of mind while traveling that the plan was there to cover us if needed. Very affordable for the coverage you get in the plan.
John B. would
recommend this plan to a friend or relative.
3 of
5 people found this review helpful
John Hancock
Gold
Thankfully my wife did not need to use this policy but it was a comfort to me to know she would be covered in the event of illness or accident. She was in the Philippines and unlike more modern countries it is not always easy to get the best healthcare and of course all costs have to be paid in cash up front before treatment is rendered which in my mind is outrageous.
Daryl C. would
recommend this plan to a friend or relative.
3 of
6 people found this review helpful
John Hancock
Gold
It's a plan that covers all bases. I've used it many times on previous trips. Thankfully I didn't have to use it but it was comforting to feel safe.
Andrew H. would
recommend this plan to a friend or relative.
3 of
5 people found this review helpful
The trip included a
tour
John Hancock
Gold
My flight was cancelled and no flights were available for this and the following days. I didn't get any refund from airline for the cancelation because it was connected flight. We rented a car and drove 16 hours to get home next day. I filed the claim and got a full refund for car rental and other expenses on the way back. Claim was paid within 2 months. I would use this insurance again.
Olga K. would
recommend this plan to a friend or relative.
8 of
10 people found this review helpful
The trip included a
cruise
John Hancock
Gold
Had no occasion to use benefits/compensation, but process for enrolling seemed smooth enough.
Dorothy S. would
recommend this plan to a friend or relative.
3 of
7 people found this review helpful