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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
944
ratings and reviews
97%
recommended
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Cruise
Filed claim
John Hancock Gold
I've always bought travel insurance and this is the first time I've had to use it. Our flight on the way back home was delayed by a day due to power outage in Atlanta. I filed a claim on 12/19/17 and I deposited the check on 1/29/18. While it takes time to process, the agents were helpful and quick to reply and the steps to file the claim was extremely easy. I primarily buy this policy for the medical insurance and I hope I never have to use it for that, however, the Trip Protection Coverage was wonderful when we used it. I am going on another trip and I've bought the same policy.
Alexander P. would 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
It’s hard to review any product that you didn’t actually use. All you can say is that relative to other plans, it potentially offers more bang for your buck. The good thing is it’s backed by major insurance company. You won’t know if it delivers until you need to file a claim.
GEORGE Y. 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
Fortunately, we did not have to use the plan.
Celeste K. 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 did not need to file a claim but was secure in knowing that if I did, I had coverage.
Lisa 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
InsureMytrip made it super easy to browse and purchase trip insurance and they sent email confirmation of my purchase. Days before departure they also sent a "Bon Voyage" email with reminders and links for easy download.

I chose the John Hancock Gold plan for my traveling needs. It is administered through Seven Corners. They sent me ID cards and plan info via automated email on the same day that I purchased the coverage. They also provided contact info.

I did have to file a claim and it was a fantastic experience. I wish all of my vendor/provider interactions could be like this.
I called them just after a failed air departure. I did not have to navigate a lengthy "phone tree" or remain on-hold waiting for assistance. I first spoke with Angela. She was pleasant, helpful with my questions and immediately emailed the correct claim form to me.

I don't like to email private information (such as SSN) and faxing was inconvenient so I'm glad that they also have online uploads. Unfortunately, I had trouble with the on-line uploading. It appeared as though my documents uploaded successfully (no red x's), but it turns out that they likely had not (Seven Corners indicated that they had not received them). Seven Corners encouraged me to resubmit them. This time around, I got immediate feedback via email for a successful upload. The trick was to just upload one document at a time and not try to upload a group of documents. It's more tedious, but doing so yields email confirmation ("proof") for each and every document.

One week later, they asked for additional information which I was able to email to them (no private data required -- just the certificate number). It was a reasonable ask for an explanation of why I wasn't on the flight. I received a decision regarding the claim within a week via email and received payment days later. They didn't HAVE to alert me via email that a letter was on its way, but it was much appreciated. I will also mention that each interaction included someone's name -- not some generic department. Today, I recommended Seven Corners to family who regularly travel internationally (and have been waiting months for their claim from another company to be processed).

Kudos to the John Hancock team at Seven Corners, Angela H. and Deborah C. as well as InsureMyTrip.com !
Cheryl M. would recommend this plan to a friend or relative.
1 of 3 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
We had to cancel the trip due to a family health emergency. The claim was processed and approved one day after submission. I was quite pleased with the customer service and responsiveness!
Paula 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
We unfortunately missed the first day of our cruise due to our flight being cancelled due to an airport workers strike. The insurance claim processing was straight forward and they were very prompt on processing our claim. I will definately use them for our next trip. You always hope that nothing happens to delay your trip, but having an insurance company that is straightforward to deal with and prompt with a fair resolution gives you a lot of peace of mind when travelling.
Jane 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
If not for the InsureMyTrip advocate, I doubt John Hancock would have ever paid my claim. My husband was seriously injured in a fall and required hospitalization 2 days before we were to depart. I sent in all required documents within 10 days of his accident and got virtually no response from JHC. After waiting 3 months and getting no response to my inquiries, I asked InsureMyTrip for help. Their advocate called several times and arranged a conference call where they finally agreed to mail the check asap. Almost 4 months after filing my claim, I did receive full reimbursement, but not until sending multiple additional documents and with phone calls from IMT's advocate. I would never use JHC again.
Linda H. 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
    We appreciate your feedback on the policy. We are sorry to learn that you were unable to travel and that you were dissatisfied with your claim experience. We are pleased that you ultimately received reimbursement of your loss.

    Thank you for allowing InsureMyTrip to advocate on your behalf. We look forward to assisting you in the future. Customer Advocates are representatives assigned to assist customers who experience issues after filing a claim. Requesting a Customer Advocate is as simple as calling 800-487-4722 or emailing customercare@insuremytrip.com, explaining the events which resulted in a claim, and the challenges you are facing.

    May 14,2018
The trip included a
cruise
John Hancock Gold
Within days of departing on our trip, we needed to change the dates on the plan and add 2 days. I made a call. They gave me an email address to write to. I received a response within 24 hours that the change was approved. NO CHARGE!
Margaret J. would recommend this plan to a friend or relative.
2 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
The trip included a
cruise
tour
John Hancock Gold
Overall best for the price
Rhoda R. would recommend this plan to a friend or relative.
2 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
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