Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine.
Michelle Megna Lead Editor, InsuranceMichelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine.
Written By Michelle Megna Lead Editor, InsuranceMichelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine.
Michelle Megna Lead Editor, InsuranceMichelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine.
Lead Editor, Insurance Michelle Megna Lead Editor, InsuranceMichelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine.
Michelle Megna Lead Editor, InsuranceMichelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine.
Michelle Megna Lead Editor, InsuranceMichelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine.
Michelle Megna Lead Editor, InsuranceMichelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine.
| Lead Editor, Insurance
Updated: Jul 12, 2024, 4:00am
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We recommend John Hancock’s Gold policy if you want excellent medical and evacuation limits. We also like that it includes very good trip interruption, baggage and missed connection coverage.
Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.
Top-scoring plan Missed connection benefits per person Medical & evacuation limits per person $250,000/$1 millionJohn Hancock (the person) is well-known for his flamboyant signature on the Declaration of Independence, while John Hancock (the company) is well known for investing, financial advice and life insurance. The John Hancock Insurance Agency offers the following travel insurance policies.
John Hancock Insurance Agency’s Gold plan , described above, is its highest-coverage and highest-cost plan. It also provides excellent hurricane and weather coverage and includes coverage for sports equipment loss. The Gold Plan also providesIncludes $100,000 per person in 24-hour accidental death and dismemberment (AD&D) coverage.
John Hancock Insurance Agency Bronze plan: This comprehensive plan covers $50,000 for emergency medical expenses, and $250,000 for emergency medical evacuation and repatriation. It also includes $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.
John Hancock Insurance Agency Silver plan: This comprehensive plan covers $100,000 for emergency medical expenses and $500,000 for emergency medical evacuation and repatriation. The plan also includes $750 for missed connection coverage, $1,000 for baggage and personal effects coverage, and $150 per day ($750 maximum) for a trip delay of three hours or more.
Collision insurance for rental cars may be available with your John Hancock Insurance Agency plan. For example, the Gold plan can provide up to $50,000 for rental car damage.
Other optional upgrades include:
The benefits vary among John Hancock’s plans and so does the pricing. Here are examples of prices for John Hancock Insurance Agency’s Gold plan. While the Gold plan can be pricey compared to other plans and companies, it’s important to note that you are getting superior coverage for the cost.
Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days Family with two parents age 40 and two children, $15,000 trip cost, traveling to Italy for 17 days Family with two parents age 40 and two children, $15,000 trip cost, traveling to France for 17 days Family with two parents age 40 and two children, $15,000 trip cost, traveling to U.K. for 17 days Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days See More See LessJohn Hancock Insurance Agency plans include access to their 24/7 emergency assistance hotline, which can help you with problems such as locating medical care and arranging for medevac transportation.
The assistance services can also help with problems such as forgotten or damaged prescription medications, locating an English-speaking doctor, advising you where to go if you lose your passport, emergency cash assistance and legal services.
All travel insurance policies have exclusions, and that’s why you need to review the fine print and familiarize yourself with what your plan does not cover. Here are some examples of exclusions to emergency medical coverage for the John Hancock Insurance Agency Gold plan:
John Hancock Insurance Agency has different claim forms depending on the type of claim. Make sure you include the appropriate supporting documentation.
If you want to contact John Hancock Insurance Agency directly, call the claims customer service department at 1-866-888-7803 or email JHIAclaims@sevencorners.com.
Compare Quotes With Over 22 Travel Insurers
Forbes Advisor scored 39 policies to find the best travel insurance. When companies had more than one travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.
Cost (25% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:
Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.
Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.
Medical evacuation (10% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.
“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.
Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.
Cancel for work reasons: (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.
Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.
“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.
Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).
Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.
Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.
John Hancock Insurance Agency has plans that include coverage for Covid-related medical costs and trip cancellation. If you need to cancel your trip prior to departure because you contracted Covid, these plans reimburse you for 100% of what you lose in non-refundable and pre-paid deposits. If you contract Covid during your trip, these plans can cover the medical expenses.
You can get a pre-existing medical condition exclusion waiver from John Hancock Insurance Agency. It’s a good idea to check your policy details to confirm this coverage. When you have this important waiver, pre-existing conditions won’t be excluded from coverage. For example, John Hancock Insurance Agency’s Gold plan will cover pre-existing conditions if you buy the plan within 14 days of your first trip payment. Your policy must be the first and only policy issued for your travel dates and destination. You also must be medically able to travel at the time you buy your policy.
John Hancock Insurance Agency offers the option to upgrade to “cancel for any reason” (CFAR) coverage on some, but not all, of its plans. For example, residents of New York may not be able to add this upgrade. CFAR coverage gives you the ability to cancel for a reason that is not listed in your plan’s base trip cancellation reasons and receive some reimbursement of trip costs. For example, you could cancel your trip simply because the weather forecast doesn’t have enough sunny days. Make sure you check the rules for CFAR for the plan you’re buying. For example, the Gold plan will reimburse 75% of non-refundable trip costs under a CFAR claim. But you need to add CFAR within 14 days of your initial trip deposit and you must cancel no less than two days prior to your departure date.
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