John Hancock Travel Insurance Agency, Inc. is a division of Manulife Financial Corporation, which is the largest financial services company in North America.
It serves millions of customers in 22 countries and regions around the world. Starr Indemnity & Liability Company is the company that backs all of the trip insurance plans that John Hancock Insurance Agency sells.
The company provides multilingual assistance 24 hours a day, seven days a week. This can help to answer any questions you may have on your plan before, during, or after your trip. Customer assistance is designed to make the claims and reimbursement process as smooth as possible.
In this article, qe’ll cover the travel insurance policies John Hancock offers, coverage options and limits, and the premiums you can expect to pay. We’ll also compare John Hancock with other leading travel insurance providers to help you better understand the similarities and differences.
Regardless of your timeline, destination, or itinerary, it’s essential to consider the effects that an unexpected event could bring during your planned trip. Insurance could be a wise investment if you face travel-related expenses like medical costs, emergency evacuation, trip delays, etc.
Pros and Cons of John Hancock Travel Insurance
Pros
- Excellent medical coverage: John Hancock’s travel insurance plans offer generous medical coverage, including up to $1 million in medical expenses and $100,000 in emergency medical evacuation.
- Strong trip cancellation and interruption coverage: John Hancock’s travel insurance plans also offer strong trip cancellation and interruption coverage, including up to 100% of your non-refundable travel expenses if you have to cancel or interrupt your trip for a covered reason.
- Competitive prices: John Hancock’s travel insurance plans are competitively priced, making them a good value for the coverage they offer.
- Easy to use website: John Hancock’s website is easy to use and makes it easy to purchase a travel insurance plan.
Cons
- Some restrictions on coverage: There are some restrictions on coverage under John Hancock’s travel insurance plans, such as pre-existing conditions and certain activities.
- High deductibles: The deductibles on John Hancock’s travel insurance plans can be high, so you may need to pay a significant amount out of pocket before your coverage kicks in.
- Slow claims processing: Some customers have complained about slow claims processing times with John Hancock.
Overall, John Hancock travel insurance is a good option for travelers who are looking for comprehensive coverage at a competitive price. However, it is important to read the fine print carefully to understand the restrictions on coverage.
Does John Hancock Insurance Agency Have 24/7 Travel Assistance?
Plans from John Hancock Insurance Agency give you access to their 24-hour emergency helpline, which may assist you with issues like finding medical care and setting up medevac evacuation.
The support services can also aid with issues like forgotten or broken prescription prescriptions, finding an English-speaking physician, directing you to the right place if you lose your passport, emergency financial assistance, and legal services.
What’s Not Covered by John Hancock Insurance Agency Travel Insurance Plans?
Every travel insurance policy has exclusions, so it’s important to read the small print and become familiar with what your plan doesn’t cover. The John Hancock Insurance Agency Gold plan’s emergency medical coverage has the following exclusions:
- Except in cases of accidental harm, dental care
- Injuries caused by being drunker than the legal limit or under the influence of medications or narcotics (unless recommended by a doctor and taken as directed by your doctor)
- Emotional or mental problems
- Any non-emergency medical care or procedure, including regular checkups, hearing aids, eyeglasses, or contact lenses
- Cosmetic procedures, unless they are necessary due to an accident
- Injuries sustained when participating in contact sports, bungee jumping, hang gliding, skydiving, horse racing, auto and motorbike racing, parachuting, scuba diving (unless accompanied by a dive master at a depth of 100 feet or less), and mountaineering.
- Operating an airplane or learning to operate one
- Suicide or a suicide attempt
- Involvement in a riot or other civil unrest.
John Hancock travel insurance cost and inclusions
We entered a search for a 37-year-old Colorado resident going to Australia for two weeks on a $4,000 vacation in order to conduct a consistent John Hancock travel insurance review across the three plans.
| Coverage | Gold | Silver | Bronze |
|---|---|---|---|
| Trip cancellation | 100%. | 100%. | 100%. |
| Trip interruption | 150%. | 150%. | 125%. |
| Trip delay | $1,000 ($200 daily limit / minimum 3-hour delay required). | $750 ($150 daily limit / minimum 3-hour delay required). | $500 ($150 daily limit / minimum 6-hour delay required). |
| Missed connection | $1,000. | $750. | $200. |
| Change fee coverage | $200. | $200. | $200. |
| Accident & sickness medical expense | $250,000. | $100,000. | $50,000. |
| Emergency medical evacuation and repatriation | $1 million. | $500,000. | $250,000. |
| Baggage & personal effects | $2,500. | $1,000. | $750. |
| Baggage delay | $500 after 12 hours. | $500 after 12 hours. | $250 after 12 hours. |
| Pre-existing conditions exclusion and waiver | 60-day look-back, 14-day waiver (certain conditions apply). | 60-day look-back, 14-day waiver (certain conditions apply). | 60-day look-back, 14-day waiver (certain conditions apply). |
| Policy cost | $226.00. | $170.00. | $158.00. |
| % of trip cost | 5.65%. | 4.25%. | 3.95%. |
The Gold plan provides the greatest benefits, including a much higher limit for emergency medical and lost baggage reimbursement. Other than that, however, the Silver level is fairly similar, enjoying the same 150% reimbursement rate for trip interruption and a three-hour window for trip delay to kick in.
The Bronze level is the least expensive, but it’s not all that far off from the cost of the Silver level. At this rate, you’ll be looking at far less coverage for emergency medical and trip delay, though you’ll still have $200 in coverage for change fees and 100% of costs incurred for trip cancellation.
Which John Hancock plan is right for me?
You’ll want to consider several factors as you shop your John Hancock travel insurance options. However, here are some suggestions to point you in a particular direction:
- If you’re going on a simple return trip: the Bronze plan might be enough.
- If you’ll be going on multiple and longer trips: Consider the Silver or Gold plans, which offer significantly more health coverage.
- If you have a premium travel card (e.g., the Chase Sapphire Reserve®): These cards often offer some trip cancellation and trip interruption coverage, so you may not need a plan that offers all the same coverage.
Does John Hancock Travel Insurance cover pre-existing medical conditions?
Yes, John Hancock travel insurance can cover pre-existing medical conditions, but there are some restrictions. The specific requirements will vary depending on the plan you choose.
In general, to be eligible for coverage for a pre-existing condition, you must purchase your travel insurance within 14 days of making the initial trip deposit. You must also be medically able to travel at the time you purchase the policy.
The specific conditions that are considered pre-existing will also vary depending on the plan. However, some common examples of pre-existing conditions include:
- Heart disease
- Cancer
- Diabetes
- High blood pressure
- Mental illness
- Allergies
If you have a pre-existing medical condition, it is important to read the fine print of your travel insurance policy carefully to understand the coverage that is available. You should also contact John Hancock to make sure you are eligible for coverage.
Here are some additional things to keep in mind about pre-existing conditions and travel insurance:
- The coverage for pre-existing conditions may not be as comprehensive as the coverage for other conditions.
- You may have to pay a higher premium for coverage for a pre-existing condition.
- You may have to wait a certain period of time before you can make a claim for a pre-existing condition.
If you are concerned about whether or not your pre-existing medical condition will be covered by travel insurance, you should speak to a travel insurance agent. They can help you find a plan that meets your needs and budget.
How to choose a John Hancock plan online
If John Hancock travel insurance seems up your alley, it’s pretty easy to purchase a policy online. First, you’ll need to navigate to the John Hancock Insurance Agency website.
From there, you’ll be able to fill out the personal details required to generate a quote.
How To File a Claim with John Hancock Insurance Agency
Depending on the type of claim, John Hancock Insurance Agency has a distinct claim form. Make sure the necessary supporting documentation is included.
Call the John Hancock Insurance Agency’s claims customer care line at 1-866-888-7803 or send an email to JHIAclaims@sevencorners.com if you wish to get in touch with them directly.
Frequently Asked Questions about John Hancock Travel Insurance Agency
What is John Hancock travel insurance?
John Hancock travel insurance is a comprehensive travel insurance plan that offers a variety of coverage options to suit your needs. The plans cover medical expenses, trip cancellation and interruption, lost luggage, and other travel-related risks.
What are the benefits of John Hancock travel insurance?
The benefits of John Hancock travel insurance include:
Comprehensive coverage: John Hancock’s travel insurance plans offer a wide range of coverage options, including medical expenses, trip cancellation and interruption, lost luggage, and more.
Competitive prices: John Hancock’s travel insurance plans are competitively priced, making them a good value for the coverage they offer.
Easy to use website: John Hancock’s website is easy to use and makes it easy to purchase a travel insurance plan.
24/7 customer service: John Hancock offers 24/7 customer service, so you can get help with your travel insurance needs anytime, day or night.
What are the cons of John Hancock travel insurance?
Some of the cons of John Hancock travel insurance include:
Some restrictions on coverage: There are some restrictions on coverage under John Hancock’s travel insurance plans, such as pre-existing conditions and certain activities.
High deductibles: The deductibles on John Hancock’s travel insurance plans can be high, so you may need to pay a significant amount out of pocket before your coverage kicks in.
Slow claims processing: Some customers have complained about slow claims processing times with John Hancock.
How much does John Hancock travel insurance cost?
The cost of John Hancock travel insurance depends on a number of factors, including the length of your trip, your age, your destination, and the level of coverage you choose. You can get a quote for John Hancock travel insurance on their website.
How do I file a claim with John Hancock travel insurance?
If you need to file a claim with John Hancock travel insurance, you can do so online, by mail, or by phone. You will need to provide proof of loss, such as medical bills or a cancelled flight itinerary.
What are some things to keep in mind when buying John Hancock travel insurance?
Here are some things to keep in mind when buying John Hancock travel insurance:
Read the fine print carefully: It is important to read the fine print of your travel insurance policy carefully to understand the coverage that is included and the exclusions.
Purchase your policy early: It is important to purchase your travel insurance policy as soon as possible after you book your trip, as some plans have pre-existing condition exclusions.
Review the claims process: You should also review the claims process carefully before purchasing a plan, to make sure you are comfortable with how claims are handled.
Is John Hancock Travel Insurance worth it?
Whether or not John Hancock travel insurance is worth it depends on your individual circumstances and travel plans. Here are some factors to consider:
- The cost of the insurance: John Hancock travel insurance is not the cheapest option on the market, but it is also not the most expensive. The cost of the insurance will depend on the length of your trip, your age, your destination, and the level of coverage you choose.
- The coverage you need: John Hancock travel insurance offers a variety of coverage options, so you can choose the plan that best meets your needs. Some of the coverage options include medical expenses, trip cancellation and interruption, lost luggage, and more.
- Your travel plans: If you are traveling to a remote area or if you have any pre-existing medical conditions, you may want to consider purchasing travel insurance. Travel insurance can also be a good idea if you are traveling during a time of year when there is a high risk of travel disruptions, such as during the winter holidays.
Ultimately, the decision of whether or not to purchase John Hancock travel insurance is up to you. However, if you are concerned about the financial risks associated with travel, then travel insurance can be a good way to protect yourself.
I hope this answers your questions about John Hancock travel insurance. If you have any other questions, please feel free to ask me.
