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Travel Insurance Reviews John Hancock Insurance Agency, Inc. Silver

The Silver plan is the mid-level policy offered by John Hancock and may be ideal for families traveling with children, as kids 17 and under are free as long as one parent is covered under the plan. Coverage is offered if you have to cancel or interrupt your trip for a typical covered reason which can range from an unforeseen illness, injury or death to your destination being made uninhabitable by a natural disaster. The Silver plan does offer higher limits of coverage than the Bronze plan for Baggage, Travel Delay, Medical and Emergency Medical Evacuation.

To learn more, see the John Hancock Insurance Silver product page.

Customers rated the John Hancock Insurance Agency, Inc. Silver plan
4.50 out of 5
724
ratings and reviews
96%
recommended
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Cruise
Filed claim
The trip included a
cruise
tour
John Hancock Silver
I did not have to make any claims, but piece of mind, knowing I had. I had same plan in June 2023, and had to make claims, everything covered well. Is why I chose this plan again.
Barbara Ann L. 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 Silver
Although I needn't need to claim on the plan, it gave me peace of mind. I was confident that had I needed to file a claim, John Hancock would have been there taking care of me.
Gregory 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 Silver
Did not need to use
Patricia G. 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 Silver
My plan clearly stated that it covers additional travel expenses incurred if there is a delay or cancellation but somehow my insurance processor does not acknowledge that when your flight is diverted into an alternate airport 3 hours from my original destination, that same day last minute car rentals are inherently more expensive then what your pre booked car rental into your planned destination airport will be. And the system of not having access to someone is lousy. I have to call them to request a call back. Hard pass on John Hancock policies on my next trip.
Willian K. 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
John Hancock Silver
Luckily, we had no use of the insurance, but it gave us peace of mind on the trip.
Thomas 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 Silver
My friend and I selected John Hancock Silver for a three week trip to Ireland in May 2024. Approximately 20 minutes after dropping off our luggage at the B&B, I stepped wrong on the uneven sidewalk and broke my ankle. I called the medical emergency number and had a response almost immediately. The rep was very pleasant and talked me through what documents to obtain from the injury clinic before I left. She also opened the medical claim ticket at that time.

After another five days of traveling, my ankle (and hands from crutches) had had enough. Although accommodations could be cancelled with no penalty, we were out the unused car rental days and the airfare re-booking fees, along with my medical expenses.

On the positive side
Responsive Customer Support - Before filing my claim, I had several questions and needed to reach out to the claims dept. Every time I called I rarely had to wait longer than five minutes in the phone queue and each rep was very informative. Once I had submitted the documentation, I heard back within three days from the Claims Associate regarding additional documentation requested for my travel companion. I responded with some clarifying questions, and again, heard back within roughly three days.

Easy Claim Process - Because the rep opened a claim for me when I first called, I received reminder messages every so often listing the documentation I needed to submit. It was beneficial because I could easily upload all the relevant documents as a reply to that email rather than use the online claims submission form which is more tedious. Note, John Hancock uses Sedgwick Claims Management to process the insurance claims.

Quick Reimbursement - I submitted my documents on July 17 and received full reimbursement for all claimed expenses on August 13!

Two Blips
Travel Companion - Because my travel companion needed reimbursement for her re-booking fee, I asked twice if I could add her to my claim or if she needed to submit separately. The first rep told me I could add her, but the second rep said no because the claim had already been opened in just my name and they couldn't add her. Once the documentation was filed, the Claims Associate decided to add her to my claim and process everything together. That was only possible because she had bought a John Hancock policy as well.

Medical insurance - The Silver plan offers primary medical coverage. Due to my misunderstanding the documentation John Hancock required, I submitted my medical expenses through my health insurance company. John Hancock did reimburse me for my co-pay. The documentation is for either Explanation of Benefits or for you to sign an affidavit stating you don't have insurance. The latter is misleading because it's really stating you don't have insurance that will cover the claim you are making. The claims rep did not explain it that way, otherwise I would have submitted the medical expenses thru travel insurance.

Highly recommend the John Hancock Silver policy
Stephanie H. 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
tour
John Hancock Silver
Peace of mind, but very expensive plan, if someone has to cover 6-8 trips a year comes out to be too expensive.
Need to come out with some yearly plan, covering unlimited trips.
Harcharan B. 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 Silver
I originally insured my trip right after I booked it. I was under the impression I insured the trip for me and my wife for the total cost for both of us. 10 days prior to the trip I realized my wife was not insured and I was insured for twice the amount of my portion of the trip. I was not allowed to modify my policy to the actual amount and was compelled to cancel and reinsure for half the original amount and as expected, purchase a new policy for my wife. In total, we got less coverage for a bunch more money. I didn't have this problem on previous trips using another company. I'll go back to the other company for our future trips.
Tracie G. 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 Silver
Fortunately I did not have to use the plan however I found it a good value for a travel insurance plan.
Linda L. 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 Silver
This plan is not designed to pay for a reasonable claim. It is not worth the time or money.
Jennifer F. 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.
  • Empty Comment
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