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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
950
ratings and reviews
97%
recommended
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Cruise
Filed claim
The trip included a
tour
John Hancock Gold
How can you be satisfied or dissatisfied with something you've never used? Like all insurance products, the odds are in favor of the insurer and with travel insurance in particular, it is probably used to offset the costs of other products that actually have to pay out. Entirely too expensive.!
Kenneth C. would not 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.
  • Melissa J.
    Photo
    Thank you for your feedback on the policy.

    Comprehensive policy premiums are rated based on the age of the traveler, his/her trip cost and the length of the trip. Since we offer plans from more than 25 of the leading providers of travel insurance, the pricing also varies by plan. Generally, the more expensive plans offer the broadest benefits with some exceptions.

    In the future, if you are looking for guidance in selecting a travel insurance plan, please consider contacting our office at 800-487-4722 where a licensed representative would be happy to assist you.
    Jul 25,2017
John Hancock Gold
InsureMyTrip was very easy to use for securing a healthcare inly policy for my son heading off to Europe on a post graduation trip.

Contacted customer service via live chat and they followed up with options available for the type of coverage I wanted. No trip cancellation needed so you simply put $0 in the field asking for cost of trip.

I just purchased another policy for myself and sons as we head off to England for an opening day football match in Manchester.

Hopefully won't need the insurance and will be writing another positive review in a months time.
Brian C. 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
I'm thankful I didn't need to file a claim, but since I didn't have to, it's hard to rate the plan, but thanks for asking. Bless you.
Marion P. 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 had a few concerns about a couple of things, and the company was very responsive and helped me. I didn't have a claim, but I felt very confident that it would have worked out if I had.
Cary F. 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
I was satisfied enough to use this resource on my next trip
Bianca B. 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
Fortunately didn't have to use it, but was good to know I had it if needed.
KG
Morgan B. 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
tour
John Hancock Gold
My husband became ill while on our trip. This policy covered the hospital bill that our US insurance didn't cover. It also covered the excursions we could not take, the cost of taxi to the hospital and back , and even covered our portion of a rental car that we did not get to use.These were all the things we had asked for reimbursement. Professional, prompt. I would purchase a plan from them again. It did take 6 months to get everything settled, so keep that in mind--we had traveled internationally. A big slow down was actually our regular insurance company--I had to submit info that showed how much my personal medical insurance company covered before John Hancock would pursue the claim.

Note: It would be a good idea to print off the forms you might need and take them with you.That way the forms can be completed by the doctor while you are still at the hospital. I did not do that, and had to get the ER doc to write a letter instead. John Hancock DID accept the letter and worked with us, hassle free.
amy s. would recommend this plan to a friend or relative.
1 of 1 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
cruise
John Hancock Gold
First of all, reviews from people who did not "have to file a claim" are practically useless, since the claim process and trying to get a claim paid is where the problem arises.
I submitted a clearly covered claim for a trip including a cruise and roundtrip non-refundable airfare, with the required proofs of payment, unused tickets and cancellation notice from the cruise. The claim for the cruise was paid, but I had not cancelled my air ticket assuming no need since it was non-refundable (and the airline already had my money). Besides, I paid a higher premium for my insurance so airfare would be covered. WRONG! The airfare claim was denied.
I'm not sure everyone knows you need to actually cancel your ticket and get a "cancellation notice"(?) from the airline to have a claim paid. A no-show doesn't count. This is not clear in the policy rules.
Considering the claim process hassle, I'm not sure I will insure for airfare in the future.
barrie b. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Melissa J.
    Photo
    Thank you for your feedback on the policy. We appreciate you using InsureMyTrip for your travel insurance needs. We are sorry to learn that you were unable to travel and are dissatisfied with this policy. The claims administrator is required to adjudicate claims based on the terms and conditions of the policy and they will require Proof of Loss. In the future, please consider contacting the claims department immediately after suffering a loss to receive the claims procedure. Please call us at 800-487-4722 if you have any questions or concerns. We would be happy to assist you.
    Jul 13,2017
John Hancock Gold
We had peace of mind knowing that we had this coverage..it was very comprehensive for the price. I would definitely use it again for my next trips.
Victoria 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
Your costs are too high for the services you provide.
Jeanene J. 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.
  • Carol
    Photo
    Thank you for your comments. We certainly agree that spending more than 1,000 USD for a policy that you did not need to use may now seem unnecessary and expensive. Premiums are based on the ages of the travelers, cost of trip, and length of trip. Some plans may even vary their rates based on destination. Premiums also vary from company to company and plan to plan. John Hancock offered three levels of coverage, the Bronze, Silver and Gold plans. You decided to purchase the Gold plan which is their premiere program with enriched benefits and primary coverage.

    We always appreciate our customers' input. We also invite you to call us for your next trip so that we can help you review the various policies.
    Jun 30,2017
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