Nationwide Luxury Cruise

The Nationwide Luxury Cruise plan is available to those who will be traveling on a cruise during their trip. It offers the highest benefit amounts of the three Nationwide Cruise plans. This plan is available for those who may be going on longer, more expensive cruises, as it allows for a maximum trip cost of up to $50,000 per person with a trip length up to 120 days.

The Luxury Cruise plan includes important coverage such as trip cancellation and trip interruption, if you need to cancel prior to departure or interrupt after departure for a covered reason. Other comprehensive travel insurance benefits include baggage protection, travel delay, missed connection, medical, emergency medical evacuation and non-medical evacuation coverage to list a few.

This plan offers optional Cancel for Any Reason coverage for residents of most states that meet all eligibility requirements. This will reimburse up to 75% of your pre-paid, non-refundable trip costs if you have to cancel your trip for something other than a covered reason. With Cancel for Any Reason, cancellation must no later than two days prior to departure. The benefit will allow you to recoup a percentage of the money you originally paid for your cruise.

Unlike the Universal Cruise plan, but similar to the Choice Cruise plan, this plan includes a pre-existing conditions exclusions waiver. This will reimburse for covered medical care needed due to a pre-existing condition, if the plan is purchased within 14 days of initial trip payment and all other requirements are met.

A trip can be planned on a whim or it could be something that has been saved for and dreamed about for a long time. Even with the best planning, a medical issue or a travel delay may arise, and this coverage and assistance services can help you in your time of need.

Nationwide Universal Cruise

The Nationwide Universal Cruise plan is only available to people who will be traveling on a cruise during their trip. It is well suited for those who will be traveling up to 30 days with family or friends.

This plan is specifically built for the unique needs you’ll have if you are going on a cruise. Because of this, there are some benefits that are not typically included in comprehensive plans. For instance, Return Home Early coverage allows you to abandon your cruise for any reason, and provides transportation costs up to $250 in order to get home. See quoted plan for eligibility requirements and full coverage details. Some state residencies will not allow this coverage.

The Universal Cruise plan also includes important coverage such as trip cancellation and trip interruption. If you need to cancel prior to departure or interrupt after departure for a covered reason. The plan also features benefits like travel delay, missed connection, baggage coverage, medical, and emergency medical evacuation coverage to list a few.

Nationwide Choice Cruise

The Nationwide Choice Cruise plan is only available to those who will be traveling on a cruise during their trip. It offers similar coverage to the Universal Cruise plan, but with higher benefit amounts.

This plan includes important coverage such as trip cancellation and trip interruption which allows you to cancel prior to departure or interrupt after departure for a covered reason. It also includes baggage coverage, travel delay, missed connection, medical, and emergency medical evacuation coverage to list a few.

Everyone hopes for a vacation that goes off without a hitch, but there is always the chance that the unexpected may happen. The Choice Cruise plan can provide coverage so that a lost bag or a flight delay won’t completely ruin your trip.

John Hancock Insurance Agency, Inc. Gold

The John Hancock Gold plan offers the highest coverage limits of the three plans provided by John Hancock Insurance Agency on InsureMyTrip. The plan includes many of the standard coverages included in comprehensive travel insurance plans, as well as other helpful benefits and optional upgrades to make the plan meet your needs.

In the Gold plan, you’ll find the standard benefits to protect your travel investment. Trip cancellation, trip interruption, travel delay, baggage protection, emergency medical and emergency medical evacuation are all coverage offered by this plan.

The Gold plan also offers coverage for missed connection. For instance, if you miss your cruise, due to a covered reason (like a weather-related flight delay), this plan offers a benenfit to help with the cost of getting you to the next port of call to meet your cruise.

Like the Bronze and Silver plans, the Gold plan does provide coverage for pre-existing conditions – if you are eligible. In the event that you have to make a claim due to a covered medical reason, the pre-existing condition exclusion may be waived if the plan is purchased within 14 days after making the initial trip deposit (and all other eligibility requirements are met).

This plan also lists several additional benefits available for purchase. If needed, you can add on rental car collision coverage as well as an additional rider that would allow you to cancel for any reason. If you add rental car coverage, be sure to check with your rental car company to see if they will honor the coverage. If you meet the eligibility requirements of Cancel For Any Reason Rider and you purchase this optional coverage, you would have the choice to cancel for reasons outside of the covered Unforeseen Events up to 48 hours prior to the scheduled departure date and receive up to 75% of your pre-paid and non-refundable trip cost. The additional John Hancock Gold plan Cancel For Any Reason coverage is not available in all states.

John Hancock Insurance Agency, Inc. Silver

The John Hancock Silver Plan is designed for both Domestic and International travel coverage. There are valuable benefits you may need before and during your trip when your travel plans could change due to unexpected delays or interruptions. This plan includes a wide range of coverages including trip cancellation, trip interruption and trip delay, plus primary accident or sickness medical coverage. There are no deductibles on claims and you can customize a personal plan by adding optional coverages including Trip Cancellation for Any Reason, rental car coverage and increased Common Carrier Accidental Death and Dismemberment limits.

If you are taking a cruise or a well-planned vacation, the John Hancock Silver travel insurance plan is a good insurance option to include in your travel plans. If your trip is delayed en route to or from your destination for 3 hours or more, the Silver plan includes benefits to help with unexpected out-of-pocket arrangements. Covered reasons include inclement weather, sickness of you or a family member, or airport closures are a few of the many covered occurrences. Baggage delay or loss is covered with some benefits starting after just 12 hours of checked luggage being delayed. Multilingual assistance is available 24/7 in case you need help during your trip or even assistance with arrangements to return home due to an emergency. Please refer to the policy for all the benefits, terms and conditions.

John Hancock Insurance Agency, Inc. Bronze

The Bronze plan is the most economical policy offered by John Hancock Insurance Agency. It includes basic limits of coverage for standard comprehensive benefits like trip cancellation, trip interruption, travel delay, baggage, and emergency medical coverage.

This plan allows you to insure trip costs up to $10,000 per person, making it ideal for insuring smaller, less expensive trips. If you would like to protect your travel investment from unexpected trip cancellation or trip interruption, this plan offers coverage if you have to cancel your trip prior to departure (for a covered reason) or if you have to return home in the middle of your trip, due to a covered reason.

The John Hancock Bronze plan covers typical reasons for cancellation and interruption such as:

• Unforeseen illness, injury or death
• Adverse weather or Natural Disaster resulting in the obstruction of public roadways or curtailment of public transportation, that prevents Your ability to arrive at Your Land/Sea Arrangements.
• Natural Disaster or documented man-made disaster at the point of departure or Your destination that renders Your primary residence or the accommodations at Your destination uninhabitable.

For a full list of covered perils, please see the full details of the quoted plan.

If you are looking for a plan that is more robust in coverage, specifically the medical and evacuation benefits, you may want to look at the Silver and Gold plans offered by John Hancock Insurance Agency.