Travel insurance is an important consideration for anyone planning a trip, whether it’s a quick weekend getaway or a long-term adventure abroad. There are many different providers to choose from, each offering their own unique coverage options and benefits. One provider that is worth considering is John Hancock, which has been offering travel insurance for over 160 years.
Travel Insurance John Hancock
John Hancock’s travel insurance options are designed to provide coverage for a variety of trip-related issues, including trip cancellation, trip interruption, medical emergencies, lost or stolen luggage, and more. The company offers several different plans to choose from, each with different levels of coverage and costs.
One of the key benefits of John Hancock’s travel insurance is the comprehensive coverage it provides. For example, their “Cancel for Any Reason” coverage allows you to cancel your trip for any reason and still be reimbursed for your expenses. This is a great option for those who may be uncertain about their travel plans, or who want the flexibility to change their minds without incurring financial losses.
Coverage Travel Insurance John Hancock
In addition to comprehensive coverage, John Hancock also offers a wide range of additional benefits and services. For example, the company provides a 24/7 emergency assistance hotline that can be reached from anywhere in the world. This hotline can provide assistance with medical emergencies, lost or stolen luggage, and more. Additionally, John Hancock offers a variety of travel-related resources, such as destination guides and trip planning tools, to help you make the most of your trip.
Another benefit of John Hancock’s travel insurance is the flexibility it provides. The company offers a range of coverage options to suit different types of trips and travelers. For example, they have plans for solo travelers, families, and groups. They also offer coverage for a variety of trip lengths, from one day to one year. This makes it easy to find a plan that fits your specific needs and budget.
John Hancock’s travel insurance is also known for its competitive pricing. The company offers a range of coverage options at different price points, making it easy to find a plan that fits your budget. Additionally, John Hancock offers a variety of discounts, such as multi-trip discounts for frequent travelers and group discounts for groups of 10 or more.
Overall, John Hancock is a great choice for anyone looking for comprehensive and flexible travel insurance. The company’s long history in the industry, comprehensive coverage options, additional benefits and services, and competitive pricing make it a strong choice for travelers of all types.
It’s worth noting that the review is based on the year 2023 and John Hancock’s coverage options, pricing and discounts may vary. It is always advisable to check the terms and conditions of the company before making a purchase. Additionally, it’s important to compare different travel insurance options to find the best plan for your specific needs and budget.
Types of Coverage
1. Types of Coverage:
John Hancock offers a variety of types of coverage to meet the needs of travelers. These include insurance for medical expenses, repatriation, accidental death and dismemberment, theft and loss, and damage to your vehicle.
2. Medical Expenses:
If you are injured while traveling, John Hancock will cover medical expenses up to $250,000 per occurrence. This covers hospital costs, doctor fees, ambulance rides, and more. You can also add on optional coverage for prescription drugs and devices, which raises the maximum payout to $500,000 per occurrence.
3. Repatriation:
If you need to return home because of an emergency or illness, John Hancock has insurance options that will help cover the costs involved in getting back home. This includes coverage for airfare home, hotel bills while away from home, and other associated costs such as visa application fees and transportation between your destination country and the U.S.
4. Accidental Death & Dismemberment:
John Hancock offers insurance for travelers who may be injured or die as a result of an accident while on vacation or during another travel-related activity. This policy covers medical expenses and funeral costs if you are killed or seriously injured in an accident abroad; it also covers some lost income in the event that you are unable to work due to your injury. The policy also provides benefits if someone else is killed as a result of your accident
John Hancock Insurance Agency Travel Insurance Plans
Gold Plan
The John Hancock Insurance Agency is widely known for its investing, financial advice, and life insurance services. It also provides travel insurance plans, with the Gold plan being the most highly rated according to Forbes Advisor.
Bronze Plan
The Bronze plan provides $50,000 for emergency medical expenses, $250,000 for emergency medical evacuation and repatriation, $200 for missed connection coverage, $750 for baggage and personal effects coverage, and $150 per day ($500 maximum) for a trip delay of six hours or more.
Sliver Plan
The Silver plan, on the other hand, covers $100,000 for emergency medical expenses and $500,000 for emergency medical evacuation and repatriation.
Travel Insurance John Hancock Pros/Cons
Pros:
• Superior benefits when compared to other travel insurance plans.
• Includes coverage for sports equipment loss.
• Good medical evacuation benefits.
• “Cancel for any reason” upgrade available.
• Pricey among the plans we analyzed, but you buy superior benefits.
Cons:
• Baggage delay benefits require a 12-hour delay.
• Travel delay benefits kick in after only a 3-hour delay.
Benefits Of Travel Insurance John Hancock
John Hancock Insurance Agency – Recognized by Forbes Advisor for ‘Best Plan for Seniors’ 5/5 Stars. “John Hancock’s Gold plan has the top-notch medical evacuation limits you might want, and you don’t have to wait a long time for travel delay benefits to kick in.”
- 24/7 Assistance
- Trip Cancellation
- Trip Interruption
- Airline Ticket Change Fee
- Terror Attack Coverage
- Trip Delay
- Missed Connection
- Baggage/Personal Effects
- Emergency Accident & Sickness Medical (Primary)
- Pre-ex Waiver (conditions apply)
- Emergency Medical Evacuation
Some Important Questions And Answers About Travel Insurance John Hancock ( FAQs)
Can You Get a Free Quote?
If you’re looking for affordable travel insurance, John Hancock is a great option. Not only do they offer some of the lowest rates available, but they also have a variety of coverage options to choose from. Plus, their customer service is top-notch, so you can rest assured that if anything goes wrong while you’re on your trip, they’ll be there to help.
To get started, simply enter your travel dates into the search bar at JohnHancock.com and select the coverage type that best suits your needs. You can find coverage for all sorts of situations, from just needing medical evacuation assistance in case of an emergency to comprehensive theft and loss protection.
When it comes to costs, John Hancock offers several different options. You can choose between a yearly plan or a monthly plan (both with discounts available), and the price range for each option varies depending on the coverage you select. Plus, you can add extras such as baggage insurance or travel accident insurance (both of which are very affordable).
So if you’re looking for affordable travel insurance that offers a variety of coverage options and top-notch customer service, John Hancock is definitely worth considering!
Cancel For Any Reason
The Cancel For Any Reason Option may be purchased with the Gold, Silver or Bronze Plan. It allows you to cancel your trip for a reason that is not already listed as a covered risk, such as the death of a pet or your travel plans must change. If you are prevented from taking the covered trip for any reason not otherwise covered by the policy, you will be reimbursed for 75% of the prepaid, non-refundable payments or deposits for the covered trip arrangements, provided the following conditions are met:
this coverage is purchased within 14 days of the date the initial payment or deposit is paid and you insure the cost of any subsequent arrangement(s) added to the same covered trip within 14 days of the date of payment or deposit for any subsequent covered trip arrangement(s); and
this insurance coverage is purchased for the full cost of all non-refundable, prepaid covered trip arrangements; and
you must cancel the covered trip no less than 2 days prior to the scheduled departure date.
This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured. The Cancel for Any Reason option is not available in New York State. If you do need to cancel, note that a travel credit or travel voucher offered by the travel supplier means that there is no financial loss and a Cancel for Any Reason benefit is not applicable.
If I have Already Medical Covrage
Travel Medical Expense is designed to cover expenses for accidental injury and sickness occurring on your trip. This benefit provides coverage for medically necessary care that may not be covered on your health insurance plan. You should check with your health insurance provider to verify if you are covered outside of the plan area or the US. This travel insurance also includes valuable 24/7 emergency assistance to aid with locating medical care, medically necessary transportation, and arranging payment for medically necessary care.
If your trip is extended on order of a physician due to an illness or accidental injury incurred while traveling, hotel and meal expenses as well as additional airline transportation costs may be covered.
The assistance services can also help you with many other services, such as arranging for forgotten or damaged prescription medication, locating an English-speaking doctor and ensuring you are receiving suitable care for a medical emergency. The multilingual assistance staff can provide you with helpful information and advise you where to go if you lose your passport, need cash assistance or need legal services at your destination.
Medical Insurancce
Yes
What is OFAC?
OFAC is the Office of Foreign Assets Controls. The Office of Foreign Assets Control administers and enforces economic sanctions programs primarily against countries and groups of individuals, such as terrorists and narcotics traffickers. The sanctions can be either comprehensive or selective, using the blocking of assets and trade restrictions to accomplish foreign policy and national security goals.
If I already have medical insurance, do I need additional medical insurance for travel away from home?
Emergency medical & 24/7 assistance
Our travel insurance plans include Primary Emergency Accident and Emergency Sickness expense coverage as well as Emergency Medical Evacuation and Medically Necessary Repatriation when arranged by our multilingual 24/7 assistance.
