JOHN HANCOCK
Travel Insurance Review
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John Hancock, a subsidiary of Manulife, offers single trip plans encompassing Gold, Silver, and Bronze plans. They are specifically designed to meet the diverse travel insurance needs of U.S. residents. Featuring a minimum 14-day free look period, these plans offer flexibility and assurance for prospective travelers.
All plans feature robust trip cancellation and trip interruption coverage, ensuring financial security in unforeseen circumstances. The coverages for trip interruption, trip delay, medical, baggage, and AD&D vary, allowing you to choose options that align with your specific requirements.
Additionally, optional upgrades, such as the cancel-for-any-reason, car rental coverage, and more offer added flexibility. You will have access to 24/7 emergency travel assistance. All plans are underwritten by Starr Indemnity & Liability Company, which has an excellent credit rating.
MEDICAL
The Gold Plan has excellent accident and sickness, evacuation, and repatriation
CANCEL FOR ANY REASON
All plans offer this upgrade option
PRE-EXISTING CONDITIONS
Available as an optional add-on for all plans
LIMITED PLAN SELECTION
No medical only plan option
INTERRUPTION FOR ANY REASON
Not offered on any plan
BAGGAGE DELAY
12 hour delay threshold is more than some competitors
TERROR ATTACK COVERAGE
All plans include coverage related to terror attacks / terrorism
POLICY COMPARISONS
SINGLE TRIP PLANS
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Highlights |
Single Trip Plans |
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Gold |
Silver |
Bronze |
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General |
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Availability |
U.S. residents |
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Free look period |
14 days (all states except IN, NH, UT) |
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Free look period |
30 days for IN, NH, UT |
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Pre-existing conditions |
60 day look back, 14 day waiver, conditions apply |
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Maximum trip duration |
90 days |
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Trip Protection |
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Cancellation |
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Trip cost |
100% |
100% |
100% |
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Interruption |
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Trip cost |
150% |
150% |
125% |
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Delay |
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Delay - 3 hrs |
$1,000 ($200/day) |
$750 ($150/day) |
- |
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Delay - 6 hrs |
- |
- |
$500 ($150/day) |
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Missed connection - 3 hrs |
$1,000 |
$750 |
$200 |
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Single occupancy supplement |
Included |
Included |
Included |
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Airline ticket change fee - 1hr |
$200 |
$200 |
$200 |
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Medical Protection |
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Emergency Medical |
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Accident and sickness |
$250,000 |
$100,000 |
$50,000 |
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Evacuation / repatriation |
$1,000,000 |
$500,000 |
$250,000 |
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Baggage / Belongings |
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Baggage/personal items |
$2,500 |
$1,000 |
$750 |
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Delay – 12 hrs |
$500 |
$500 |
$250 |
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Additional Benefits |
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24/7 emergency assistance |
Included |
Included |
Included |
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Other Optional Upgrades |
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Cancel for any reason |
75% Trip Cost (ex. residents of New York) |
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Car rental damage |
$50,000 |
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Death and dismemberment |
$300,000 or $500,000 |
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Accidents |
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Death and dismemberment |
$100,000 |
$100,000 |
$25,000 |
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Underwriter |
Starr Indemnity & Liability Company |
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The following is a sample list of exclusions and is subject to change and vary by policy, jurisdiction, and more. Please read the policy carefully before accepting and signing.
Criminal activity
Dental treatment except as a result of accidental injury to sound natural teeth or emergency dental treatment for relief of pain
Under the influence of drugs or alcohol
Mental disorders
Emotional disorders
Non-emergency treatment or surgery, routine physical examinations, hearing aids, eye glasses, or contact lenses
Military or police service or participation
Pregnancy and childbirth other than unforeseen complications
Cosmetic surgery
Suicide, attempted suicide, or self-inflicted injury
Travelling for the purpose of seeking medical treatment
War, invasion, acts of foreign enemies or civil war
Participation in civil disorder, riot or a felony
Accidental illness or sickness when travelling against the advice of a physician
Care or treatment that is not medically necessary
Baggage or personal effects claims related to: animals, automobiles, boats, trailers, motors, motorcycles, aircraft, bicycles (except when checked as baggage with a common carrier), eyeglasses, sunglasses, or contact lenses, artificial teeth, dental bridges, hearing aids, prosthetic limbs, keys, money, stamps, securities, documents, entertainment tickets, and more
and more
Note:
Travel to the following countries is not covered:
Cuba
Iran
Syria
Crimea
North Korea
Coverages and exclusions listed are a sample with potential limitations, subject to change based on jurisdiction, age, and health. Refer to our Terms of Service for the full disclaimer. Information provided is general; it's not professional advice. Verify policy details with the company or seek advice before deciding. We're not liable for any loss or damage. External links don't signify endorsement; users are encouraged to independently research for informed insurance decisions.
