What is good and what is bad? Who are we to decide? Good and bad are abstract things. But, if you get a positive impression from insurance, we can undoubtedly determine it as good without hesitation.
Such is the case of John Hancock Insurance Agency. It is a leading travel insurance provider. And it is a subsidiary of Manulife Financial Corporation. It provides services to millions of customers across 22 countries and regions.
In the last couple of years, I became a part of John Hancock Travel Insurance. You know what. It ensured my peace of mind while traveling because I did not have to worry about trip cancellation or lost luggage.
Do you want to have a fresh mind while touring somewhere? If yes, you might like to know, “Is John Hancock Travel Insurance Good.” This article will briefly discuss John Hancock Travel Insurance. Keep reading this article.
Availability of John Hancock Travel Insurance
John Hancock Travel Insurance is available in DC and Puerto Rico. Also, this insurance is allowed to run businesses in all US states. Massachusetts and Indiana are the locations of John Hancock Travel Insurance offices.
The Indiana address for customer service and the claims department is 303 Congress Boulevard, Carmel, Indiana, 46032.
More About: How Do I Get Insurance For My Company?
Advantages of John Hancock Travel Insurance
John Hancock Travel Insurance has many benefits. If you become a member of this insurance, it will be worth it. Some benefits include:
- Amazing benefits for medical evacuation.
- The “Cancel for any reason” option is available.
- After only a three-hour delay, benefits for travel delays kick in.
- $2,500 per person coverage for baggage loss.
- Perfect weather and hurricane coverage.
- Includes protection against theft of sports equipment.
Disadvantages of John Hancock Travel Insurance
Every coin has two sides. Similarly, John Hancock Travel Insurance has some opposing sides.
- The plans are expensive.
- You may get benefited from baggage delays. But you have to wait for 12 hours.
John Hancock Travel Insurance Plans
John Hancock covers trip cancellations, interruptions, lost baggage, emergency medical care, and accidental death. Those coverage are among the three levels of travel insurance services provided by John Hancock. They provide Gold, Silver, and Bronze plan.
- Bronze Plan
People who travel with their families benefit from the bronze plan. Because they provide reasonable basic coverage that meets visa requirements. This plan contains the following:
- Insurance for all trip cancellations.
- 125% for trip disruption.
- Medical costs due to an accident or illness are covered. You will have coverage of $50,000, with emergency dental costs of up to $750.
- In an emergency, $250,000 coverage for travel insurance: evacuation, medically necessary repatriation, and the body’s return.
- $25,000 for death and dismemberment by accident (AD&D).
- Insurance for baggage delays of at least 12 hours is $250.
- A fee of $200 for changing an airline ticket.
- $500 for a three-hour or longer delay in travel.
- $200 for a dropped call.
- Refund of sky miles or reward points up to $200.
- Silver Plan
The Silver Plan provides all basic plan coverage with a higher limit for a modest premium increase. These are some:
- Trip interruption insurance at 150%.
- Emergency dental care up to $750 and coverage for $100,000 in accident or sickness medical costs are included.
- $500,000 in case of an emergency evacuation, medical repatriation, or the return of a body.
- $100,000 for dismemberment and accidental death (AD&D).
- Coverage of $1,000 for personal belongings or baggage.
- 500$ for baggage delays of at least 12 hours.
- Trip delay insurance for three hours or more costs $750.
- $750 for a connection that was lost.
In addition, it covers itinerary changes for 90 days in case of a terrorist attack.
- Gold plan
The John Hancock Gold travel insurance plan has the highest coverage limits. It makes it perfect for business or family travelers. Everything in the Silver Plan is covered, plus higher limits.
- Up to $750 in emergency dental care and $250,000 in coverage for medical costs resulting from an accident or illness.
- $1,000,000 for emergency evacuation, medical repatriation, and repatriation of remains.
- Range of $2,500 for personal effects or baggage.
- $1,000 for a three-hour or more delay in travel.
- $1,000 for a dropped call.
Plans provided by John Hancock Insurance Company can be changed to each tier based on the policyholder’s requirements. Yet, insurance coverage may differ from state to state.
Add-Ons from John Hancock
If you upgrade your John Hancock plans with optional add-ons, they may provide you with more protection. These are some:
- Provision of Cancel for Any Reason (CFAR)
If they cancel their trip 48 hours before departure, this rider package will cover up to 75% of their travel costs.
- Accidental Death and Dismemberment (AD&D) Protection
You can get AD&D coverage from John Hancock Insurance Company for $300,000 or $500,000, respectively, for an extra payment of $19 or $27.
- Insurance for Rental Car Damage
You can get coverage for $50,000 with no deductible in the event of damage, accident, theft, or vandalism for $9 per day.
- Insurance for Pre-existing Conditions
Pre-existing conditions have a look-back period of 180 days on a John Hancock Insurance policy. Yet, under certain circumstances, it can be reduced to 60 days.
What is not included in John Hancock Travel Insurance?
Only a few things are excluded by John Hancock Travel Insurance, including:
- Extreme athletics
Extreme sports like scuba diving, skydiving, mountain climbing, and bungee jumping are not covered by John Hancock in any way. You will need coverage from travel insurance companies like Travelex if you need it.
- Destinations with High-Risk
Travelers traveling to high-risk nations like Iran, North Korea, Syria, Cuba, and Crimea are not covered by John Hancock.
Comparison With Competitors
You can identify through comparison that “Is John Hancock Travel Insurance Good.”
- Travelex vs. John Hancock
Travelex and John Hancock Insurance Agency are both reputable insurance providers. They have stable financial standings.
On the other hand, Travelex only offers two travel plans. While John Hancock provides three. Extreme sports coverage is provided for free by the latter.
Travelex Insurance offers multiple family benefits. But John Hancock is a better choice for solo travelers. Although John Hancock Travel Insurance is more affordable, its prices are similar.
- Allianz vs. John Hancock
With some exceptions, John Hancock Insurance Company and Allianz provide excellent customer service. They have a wide range of coverage options in their plans.
Yet, Allianz offers free coverage for children under six months on up to nine different methods for extended trips. But John Hancock provides a customizable range that is more flexible.
A fantastic option for student travel insurance is Allianz. It covers trips for up to one year. Although John Hancock does not provide this feature, it does allow passengers to cancel for any reason for a small fee.
Customer Satisfaction and Financial Strength Review
Many customers appreciate John Hancock Travel Insurance’s speedy resolution of complaints. As a result, it has earned the company a favorable reputation. In addition, policyholders are happy with the company’s claim-handling procedure. It receives 3.7 out of 5 stars from Trust Pilot.
The Better Business Bureau gives John Hancock an A+ rating. The company is responding to 54 complaints at the moment.
Regarding its financial stability, John Hancock Travel Insurance is well-equipped to fix all claims. The credit rating agency’s third-highest rating category for John Hancock AM Best is A, which stands for “Excellent.”
John Hancock Customer Service
From the Bronze Plan to the Gold Plan, all John Hancock policyholders receive outstanding 24/7 emergency travel assistance.
The support service’s polite, professional agents will immediately reply to any of your travel-related questions. Also, Seven Corners customer service provides multilingual phone help.
Although the John Hancock Travel Insurance website is simple, it is kept up to date with the necessary claims documentation for all policy kinds.
Furthermore, if you become ill, John Hancock customer service experts can assist you in locating nearby healthcare facilities. They will arrange for medical transportation and ensure that your medical costs are covered.
They can contact embassies in other countries. Also, they will manage interpreters and assist you if your passport is missing. Customer service is available no matter where you live as long as your travel destination is covered.
Flexible claiming method
Depending on the kind of claim, John Hancock Insurance Agency has different claim forms. You have to be sure to include the appropriate documentation to back up your claims.
You can get in touch with John Hancock Insurance Agency directly by sending an email to [email protected] or calling the claims customer service department at 1-866-888-7803.
Frequently asked questions
If you want to spend your vacation in a foreign country, look for good travel insurance to avoid the hassle. But, a question can pop up in your mind “Is John Hancock Travel Insurance Good.” In this section, I have included some questions that will help you to know more about John Hancock Travel Insurance.
Is John Hancock identical to Manulife?
In 2004, the Canadian insurance company Manulife acquired John Hancock. So, yes, they are similar.
What risks are covered by the benefit of canceling a trip?
You can get up to 100% of the cost of a trip cancellation from John Hancock Insurance Company. You can cancel the trip for any cause with a clear add-on. Sickness or injury, death, bad weather, traffic accidents on the way to the airport, strikes, terrorist attacks, evacuation of the destination, and other risks are just a few examples.
What if a trip lasts longer than ninety days?
The insured will be covered for the first 90 days. At the beginning of the 91st day, coverage will end.
When does the insurance expire?
John Hancock Travel Insurance coverage ends at 11:59 p.m. local time on the date you change or leave your covered trip. The date you return to your origination point if it is earlier than the scheduled return date. And the date you cancel your covered trip.
What is a refund for a free look?
After paying your premiums, John Hancock Insurance Agency gives you 14 days to review the policy’s coverage and terms. If you are dissatisfied with the policy during this time, you can cancel it as long as the trip has yet to begin. Florida, Massachusetts, New York, Texas, Virginia, and Oklahoma do not provide this choice.
Do travel plans provided by John Hancock Insurance Agency cover Covid?
Plans proposed by John Hancock Insurance Agency include coverage for trip cancellation and medical costs related to Covid.
These plans will repay you for any non-refundable and pre-paid deposits you have already paid for if you have contracted Covid and have to cancel your trip before it begins. These plans may cover your medical costs if you have Covid while traveling.
Are there any nations that John Hancock Travel insurance does not cover?
Yes. The are some nations that are not covered by travel insurance. Those are:
Cuba.
Iran.
Syria.
Crimea.
North Korea.
In addition, travel insurance does not cover costs and does not refund them if sanctions, laws, or regulations prohibit it.
Can I purchase travel insurance after an accident?
The only situations that are covered by travel insurance are those that come up after the policy has been in effect. Events that are no longer unexpected or unforeseen are not covered by insurance.
Final Thoughts
So, What do you think? Is John Hancock Travel Insurance Good? Some will say it has fantastic service. Some may say it is all about dissatisfaction.
But remember that John Hancock is a far-reaching and affordable travel protection plan for solo explorers. It provides emergency travel insurance in three main plans that can be individualized with add-ons.
With all of these benefits of John Hancock Travel Insurance, it is easy to say John Hancock Travel Insurance is good. And its service will impress you.
Mehedi Hasan is an insurance expert with over 6 years of experience in the industry. He has a deep understanding of various types of insurance policies and is skilled at helping clients find the coverage that best fits their needs. In his current role, Mehedi works as a consultant, advising businesses and individuals on the best insurance options for their specific situations.
He is also a frequent speaker at industry events, sharing his knowledge and expertise with colleagues and professionals in the field. Mehedi holds a degree in insurance and risk management and is committed to staying up-to-date on the latest industry trends and developments. In his free time, he enjoys reading, traveling, and spending time with his family.