John Hancock Travel Insurance

John Hancock Travel Insurance partners with AARDY to offer a range of travel insurance products, including their Bronze, Silver, and Gold plans. These policies are well-regarded for their strong coverage in areas like Emergency Medical, Medical Evacuation, and Pre-Existing Medical Condition Exclusion Waivers.

We find that the John Hancock Travel Insurance plans are comprehensive and should be considered in any travel insurance comparison.

John Hancock Insurance Agency, Inc., based in Delaware, operates from its main office at 197 Clarendon Street, Boston, MA (CA license number OH37453). The policies mentioned in this article are underwritten by Starr Indemnity & Liability Company, which is domiciled in Texas (NAIC Company Code: 38318; Texas license number 93542) and has its main office at 399 Park Avenue, 8th Floor, New York, NY 10022.

Travel Insurance provides essential emergency services, including coverage for unexpected costs like trip cancellations or interruptions due to unforeseen circumstances such as illness, severe weather, or missed connections. Coverage includes trip cancellation and interruption, medical emergencies, medical repatriation, baggage issues, and more.

These policies also include toll-free, 24/7 multilingual emergency assistance services, ensuring you have the necessary support while traveling.

John Hancock Insurance Agency (John Hancock Travel Insurance) collaborates with Seven Corners Inc., located in Carmel, IN, to provide licensed administrative services for this travel insurance program.

Let's take a closer look at the specific plans offered by John Hancock Travel Insurance.

John Hancock Travel Insurance - Bronze Plan

The Bronze plan is John Hancock's most affordable travel insurance option, but it still comes packed with valuable benefits.

This plan is ideal for travelers looking to protect their trip investment against trip cancellations or interruptions. As the most cost-effective option from John Hancock, the Bronze plan also offers coverage for travel and baggage delays, along with emergency travel assistance services.

Key Benefits of John Hancock Bronze Plan

Maximum Limits Per Person

• Trip Cancellation: 100% up to $10,000 of trip cost*
• Trip Interruption: 125% of Trip Cost**
• Travel Delay: $500 ($150 per day after a 6-hour delay)
• Missed Connection: $200 (after a 6-hour delay)
• Change Fee: $200
• Reimbursement of Miles or Reward Points: Up to the maximum shown on the schedule of benefits
• Baggage and Personal Effects: $750
• Baggage Delay: $250 (after a 12-hour delay)
• Accident and Sickness Medical Expenses: $50,000
• Emergency Medical Evacuation: $250,000
• AD&D: $25,000
• Pre-existing Condition Waiver: Available if purchased within 14 days of initial trip deposit
• Coverage Type: Primary

Covered Perils in the Bronze Plan

• Emergency Sickness/Illness/Injury/Death: Yes
• Hijacking, Medical Quarantine, Subpoena, or Jury Duty: Yes
• Home uninhabitable due to fire, flood, burglary, or Natural Disaster: Yes
• Direct involvement in a documented traffic accident en route to your departure: Yes
• Organized Labor Strike: Yes
• Terrorist Incident: Yes
• Inclement Weather and Natural Disaster: Yes
• Revocation of previously granted military leave: Yes
• Financial Default of Travel Supplier: Yes
• Theft of passport or visa that prevents departure: Yes
• Mandatory evacuation ordered by government authority due to adverse weather or Natural Disaster: Yes

Additional Information on the Bronze Plan

• Maximum Trip Duration: 90 days
• Maximum Age Insured: 69
• Pre-Existing Condition Review Period: 60 days
• Premium Refunds: Full refund available within 14 days from the effective date of coverage**
• Latest Date Plan Can Be Purchased: 1 day before departure
• 24/7 Emergency Travel Assistance: Included
• Minimum Trip Cost to be Insured: $500
• Coverage Type: Primary

Please note that this is only a summary of the program. You should read the policy carefully to fully understand the coverages, terms, conditions, limits, and exclusions. The benefits depend on the plan selected, and rates are subject to change.

John Hancock Travel Insurance - Silver Plan

The Silver plan offers more value with enhanced benefits to protect your trip investment and cover emergency accident and sickness expenses.

This plan is suitable for both domestic and international travel, offering well-rounded coverage.

Key Benefits of John Hancock Silver Plan

Maximum Limits Per Person

• Trip Cancellation: Up to $20,000 of Trip Cost*
• Trip Interruption: 150% of Trip Cost**
• Travel Delay: $750 ($150 per day after a 3-hour delay)
• Missed Connection: $750 (after a 3-hour delay)
• Change Fee: $200
• Reimbursement of Miles or Reward Points: Up to the maximum shown on the schedule of benefits
• Baggage & Personal Effects: $1,000 ($250 per article)
• Baggage Delay: $500 (after a 12-hour delay)
• Accident & Sickness Medical Expense: $100,000
• Emergency Medical Evacuation: $500,000
• AD&D: $100,000
• Pre-existing Condition Waiver: Available if purchased within 14 days of initial trip deposit
• Coverage Type: Primary

Covered Perils in the Silver Plan

• Emergency Sickness/Illness/Injury/Death: Yes
• Hijacking, Medical Quarantine, Subpoena, or Jury Duty: Yes
• Home uninhabitable due to fire, flood, burglary, or Natural Disaster: Yes
• Direct involvement in a documented traffic accident en route to your departure: Yes
• Organized Labor Strike: Yes
• Terrorist Incident: Yes
• Inclement Weather and Natural Disaster: Yes
• Revocation of previously granted military leave: Yes
• Financial Default of Travel Supplier: Yes
• Theft of passport or visa that prevents departure: Yes
• Mandatory evacuation ordered by government authority due to adverse weather or Natural Disaster: Yes

Additional Information on the Silver Plan

• Maximum Trip Duration: 90 days
• Maximum Age Insured: 69
• Pre-Existing Condition Review Period: 60 days
• Premium Refunds: Full refund available within 14 days from the effective date of coverage***
• Latest Date Plan Can Be Purchased: 1 day before departure
• 24/7 Emergency Travel Assistance: Included
• Minimum Trip Cost to be Insured: $500
• Coverage Type: Primary

Please read the policy carefully to fully understand the coverages, terms, conditions, limits, and exclusions. The benefits depend on the plan selected,and rates are subject to change.

John Hancock Travel Insurance - Gold Plan

The Gold plan is John Hancock's top-tier travel insurance option, offering the highest level of protection for any type of travel. This plan is particularly beneficial for senior travelers due to its extensive Emergency Travel Medical Insurance ($250k) and Medical Evacuation coverage ($1m). Coverage is Primary, and a Pre-Existing Medical Condition Exclusion Waiver is available.

Key Benefits of John Hancock Gold Plan

Maximum Limits Per Person

• Trip Cancellation: Up to $100,000 of Trip Cost*
• Trip Interruption: 150% of Trip Cost**
• Travel Delay: $1,000 ($200 per day after a 3-hour delay)
• Missed Connection: $1,000 (after a 3-hour delay)
• Change Fee: $200
• Reimbursement of Miles or Reward Points: $75
• Baggage & Personal Effects: $2,500
• Baggage Delay: $500 (after a 12-hour delay)
• Accident & Sickness Medical Expense: $250,000
• Emergency Medical Evacuation: $1,000,000
• AD&D: $100,000
• Pre-existing Condition Waiver: Available if purchased within 14 days of initial trip payment
• Coverage Type: Primary

Covered Perils in the Gold Plan

• Emergency Sickness/Illness/Injury/Death: Yes
• Hijacking, Medical Quarantine, Subpoena, or Jury Duty: Yes
• Home uninhabitable due to fire, flood, burglary, or Natural Disaster: Yes
• Direct involvement in a documented traffic accident en route to your departure: Yes
• Organized Labor Strike: Yes
• Terrorist Incident: Yes
• Inclement Weather and Natural Disaster: Yes
• Revocation of previously granted military leave: Yes
• Financial Default of Travel Supplier: Yes
• Theft of passport or visa that prevents departure: Yes
• Mandatory evacuation ordered by government authority due to adverse weather or Natural Disaster: Yes

Additional Information on the Gold Plan

• Maximum Trip Duration: 90 days
• Maximum Age Insured: 99
• Pre-Existing Condition Review Period: 60 days
• Premium Refunds: Full refund available within 14 days from the effective date of coverage
• Latest Date Plan Can Be Purchased: 1 day before departure
• 24/7 Emergency Travel Assistance: Included
• Minimum Trip Cost to be Insured: $500
• Coverage Type: Primary

Please review the policy thoroughly to understand the coverages, terms, conditions, limits, and exclusions. The benefits depend on the plan selected, and rates are subject to change.

John Hancock Travel Insurance FAQs

What if I purchase and then decide the coverage isn’t right for me?

If you are not completely satisfied with your travel insurance, you can cancel within 14 days of the effective date. As long as you have not yet started your trip, your policy will be canceled, and we'll refund the premium you paid. This option, known as the ‘Free-Look’ period, is not available in the following states: Florida, Massachusetts, New York, Oklahoma, Texas, and Virginia.

If I already have medical coverage, why do I need to pay for it again within travel insurance coverage?

Travel Medical Expense is designed to cover expenses for accidental injury and sickness that occur during your trip. This benefit provides coverage for medically necessary care that may not be included in your health insurance plan. It's a good idea to check with your health insurance provider to see if you're covered outside your plan area or the U.S. This travel insurance also includes 24/7 emergency assistance, helping with medical care, transportation, and payment arrangements.

Are there any destinations or countries not covered by this insurance?

Yes, this insurance does not cover travel to the following locations: Cuba, Iran, Syria, Crimea, and North Korea. It also does not cover or reimburse expenses if sanctions laws or regulations prohibit it.

What is OFAC?

The Office of Foreign Assets Control (OFAC) administers and enforces economic sanctions programs, mainly targeting countries and groups like terrorists and narcotics traffickers. Sanctions can include blocking assets and trade restrictions to achieve foreign policy and national security goals.

What if a trip lasts longer than 90 days?

Coverage is provided for the first 90 consecutive days of a trip. Coverage will end at 12:01 a.m. on the 91st day of the insured’s trip.

What is a Pre-existing Condition?

A Pre-existing medical condition refers to any Accidental Injury, sickness, or condition of you, your Traveling Companion, or your Family Member booked to travel with you, for which medical advice, diagnosis, care, or treatment was recommended or received within the 60-day period before the Effective Date. Conditions are not considered pre-existing if the sickness or condition is controlled without any change in prescription throughout the 60-day period before the Effective Date, and no other medical advice, diagnosis, care, or treatment has been received.

What is a “Covered Trip”?

A “Covered Trip” refers to a trip taken during the policy period for which you request insurance coverage and pay the required premium. The trip must be more than 100 miles from your home, be for business or pleasure, and have defined departure and return dates.

What events are covered under the Trip Interruption benefit?

Generally, you can interrupt your trip for similar reasons to canceling your trip. These include emergency sickness, injury, or death; hijacking; subpoena or jury duty; home uninhabitable due to fire, flood, burglary, or Natural Disaster; and more. The insured will be reimbursed for pre-paid, unused, and non-refundable travel arrangements, plus additional transportation costs to resume their trip or return home early.

What does Baggage Delay cover?

This benefit reimburses a specified amount for emergency toiletries and clothing when checked luggage is lost or delayed by the airline or other Common Carrier for 12 hours or more.

Is loss of baggage covered?

Baggage and personal possessions are covered up to $750 under the John Hancock Bronze plan. A maximum benefit of $250 per item applies. Refer to the policy certificate for complete details on coverage, limitations, and exclusions.

You can a traveler get assistance while on a trip?

For emergency evacuation and medical assistance, or travel assistance, call Seven Corners Assist 24/7/365 at (1) 866-888-7150 or (1) 317-582-2690 from outside North America.

When does insurance coverage begin?

Coverage for Trip Cancellation begins at 12:01 A.M. local time on the day after the required premium is received. Coverage ends at the point and time of departure on your Scheduled Departure Date.

When does coverage end?

Coverage ends at 11:59 P.M. local time on the earliest of the following dates: the date you cancel your Covered Trip, the Scheduled Return Date as stated on your travel tickets, or the date you return to your origination point.

What is a Trip?

A “Trip” refers to a journey taken during the policy period, where you travel more than 100 miles from home, the purpose of the trip is business or pleasure, and the trip has defined departure and return dates.

What perils are covered under the Trip Cancellation benefit?

Covered perils include emergency sickness, injury, or death; hijacking; quarantine; jury duty; subpoena; and more. Coverage is also provided for events like inclement weather, labor strikes, and government-mandated shutdowns of airports due to Natural Disasters.

What is AD&D – Air only?

This benefit covers loss of life, limb, or sight resulting directly from a covered accident while you are a passenger on a licensed air conveyance during the Covered Trip.

What does the Travel Delay benefit cover?

This benefit provides payment for additional expenses if you are delayed en route to or from the Covered Trip for at least the specified number of hours due to an Unforeseen Event. Additional expenses include prepaid, unused, non-refundable land, air, or water accommodations; reasonable additional expenses; an Economy Fare to resume your trip or return home.

Do You Already Have Coverage?

Have you recently reviewed your credit cards or healthcare coverage? Many people are unaware that their existing insurance may not provide adequate travel coverage. Travel insurance can fill in gaps where other types of insurance fall short, such as a lack of coverage, deductibles, exclusions, or co-payment penalties.

Credit Cards: The average American holds four credit cards, yet fewer than 15% offer any travel insurance coverage. Even when coverage is provided, it is often limited, and trip cancellation or interruption is usually not included.

Homeowner’s or Renter’s Insurance: While your personal property is typically covered anywhere in the world under a homeowner’s policy, this coverage is subject to named perils (e.g., fire, theft) and deductibles. However, these policies do not cover trip cancellations, interruptions, baggage delays, or medical benefits.

Health/Medical Insurance Plans: Many domestic health insurance plans do not cover you outside the U.S., or if they do, high deductibles and co-pays may apply. Emergency medical transportation, which is costly, is not typically covered.

Medicare: U.S. citizens aged 65 or older qualify for Medicare, but it generally does not cover medical expenses outside the U.S. unless you have a Medigap plan (C or higher), which also has limitations.

U.S. Embassies: The U.S. government does not cover medical costs or medical transportation needs. While the State Department may assist in arranging medical transportation, you are responsible for payment.

It’s crucial to understand your existing coverage and assess any gaps. A conversation with your travel agent can help you evaluate your financial exposure should the unexpected occur.

At AARDY, you can obtain a quick, anonymous quote and compare top travel insurance plans, saving you time and money.

Remember, you won’t find the same travel insurance plans at a better price, thanks to U.S. price certainty and anti-discriminatory laws.

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Travel Insurance Comparison – Will I Pay More Buying Travel Insurance from a Comparison Website?

The price of a travel insurance plan on AARDY is the same as buying directly from the insurance carrier. Due to regulatory laws, no one can compete on price for filed insurance products. Therefore, you are guaranteed the best value when purchasing through us.