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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
945
ratings and reviews
97%
recommended
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Cruise
Filed claim
The trip included a
cruise
tour
John Hancock Gold
I have always bought trip insurance and wondered about the value. Unfortunately, this trip we did need assistance and had to file a claim. My wife fell down the stairs on the third day of our 15 day cruise from Sydney to Singapore. She fractured her pelvis in four places and suffered internal bleeding. The ship's team handled the emergency well until we anchored at Airlie Beach. The local EMTs called a helicopter for a forty minute flight from the ship to a hospital in Mackay, Australia. At admission, the hospital made it clear that I personally would be responsible for payment. But by the third day, Seven Corners Assist had contacted the hospital financial office arranging for a guarantee of payment for what turned out to be almost three weeks in the hospital including a surgery. Seven Corners Assist arranged for flights back to North Carolina in lie-flat seating for my wife, even sending an escort to accompany us. A former EMT, he was very well versed medically, and very experienced in handling the challenges encountered in our 30 hour return trip. I was able to tend to my wife while he handled the aggravations of the airports and airline.

Insurance promptly paid the direct hospital billing and return travel to enable us to leave the hospital. Personal expenses and trip interruption reimbursements were a challenge, with misplaced claims paperwork requiring several follow-up calls. It dragged four months, but after electronically resubmitting receipts, we received full refund of all our expenses. We certainly appreciated the assistance we received while in the throes of our emergency given the14 hour time difference, and during our trip home; and for the final settlement of our claim. I recommend this policy for the emergency support received and final settlement.
Roger R. would recommend this plan to a friend or relative.
3 of 3 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 I didn't have to submit any claims with this insurance. However the Insure My Trip site makes it very easy to navigate and narrow down the options based on your particular situation and travel needs. The mobile app is great and easily provided peace of mind of local emergency contact information and details on your plan should you need it.
Highly recommended.
Anne M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
John Hancock Gold
Trip insurance is part of every travel budget my wife and I put together, and we travel quite a bit. As we know people who have horror stories of extreme medical needs when traveling overseas we buy the maximum coverage available, and the policies from John Hancock have given us complete piece of mind. Rarely do we never need to use it, but for the couple of occasions when we did the coverage far exceeded the seemingly high up front cost of buying it in the first place. We wouldn't travel these days without it.
James M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
John Hancock Gold
While the plan itself may be good (don't know if it is or not since I never had to use it) there needs to be a better way to handle policy extensions. Here's our story. We purchased coverage to cover us from 8/17/17 thru 9/3/17 while we were traveling in Costa Rica. Due to Hurricane Harvey our return flight from San Jose, Costa Rica to Houston, Texas for 9/3/17 was cancelled by our airline. I attempted to contact someone at the phone numbers provided and either didn't get an answer or the requested return call regarding extending the policy end date was never returned. Our return flight finally took place on 9/7/17 which left us without any coverage for 4 days. Luckily we managed without the extended coverage. So given that situation, what should we do the next time? Purchase 10 days extra coverage just in case something like that happens again and then apply for a refund of the unused coverage if we're able to return to the US as scheduled?
John 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.
  • Kyle
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    John Hancock Ins. Agency would like to apologize for your inconvenience and someone will contact you shortly.
    Sep 13,2017
The trip included a
cruise
tour
John Hancock Gold
Comforting to have coverage, but fortunately I did not have to use it.
Bonnie D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
John Hancock Gold
For the third time I have returned from a trip without needing to access the claims benefits under my policy and I am grateful for that. The peace of mind in having this coverage and knowing that there is somewhere to call if anything had gone wrong is of significant value to me. The people I have worked with at InsureMy Trip are knowledgeable and responsive and, of course, the next time I travel, I will purchase another policy.
Samuel M. would recommend this plan to a friend or relative.
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 plan offered great coverage and was reasonably priced relative to other options.
Ryan M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
John Hancock Gold
We knew we were in good hands with our insurance policy. It gave us peace of mind.
ellen n. would recommend this plan to a friend or relative.
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
I (fortunately) did not have to use the plan. I purchased it after reading what it covered and also felt the cost of the premium was fair.
Diana S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
John Hancock Gold
Once again, we returned home having happily NOT used our travel insurance. The best of all possible outcomes. We were glad we had it, however, especially as we watched a fellow tourist being winched out of a cliffside broken-ankle situation in Cornwall. It only takes a minute of thinking how good it is to have a number to call, to reach someone who could figure out how to get us home from that point.
Mary Harris R. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
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