Travel Insurance Reviews for John Hancock Insurance Agency, Inc. Silver

Although I needn't need to claim on the plan, it gave me peace of mind. I was confident that had I needed to file a claim, John Hancock would have been there taking care of me.

I originally insured my trip right after I booked it. I was under the impression I insured the trip for me and my wife for the total cost for both of us. 10 days prior to the trip I realized my wife was not insured and I was insured for twice the amount of my portion of the trip. I was not allowed to modify my policy to the actual amount and was compelled to cancel and reinsure for half the original amount and as expected, purchase a new policy for my wife. In total, we got less coverage for a bunch more money. I didn't have this problem on previous trips using another company. I'll go back to the other company for our future trips.

Fortunately I did not have to use the plan however I found it a good value for a travel insurance plan.

I bought the insurance when I made my first down-payment toward a 3-week trip to Ireland and Scotland, so it was expensive. Well in advance of the trip, the Ireland half was cancelled. I notified them immediately, expecting the premium to be reduced accordingly. Nope. Not a bit. I had no idea that was their policy. No doubt if I had increased the trip costs later they'd have charged me more! I followed their rules and got shafted. Not happy, would not recommend them again.

Fortunately, we did not need to use the plan. But it was easy to acquire and provided us with peace of mind as we traveled.

The purpose of trip insurance is to provide peace of mind; we all hope to never use it. I purchased my policy six months before the trip, paying extra for Cancel for Any Reason and am glad I had it and never used it. I was reassuring to have this coverage with the Covid virus still an issue in some places.

Having purchased the insurance a year before we traveled, how pleased I was to receive an e-mail reminder of the plan the week of our departure, just in case we needed it. How convenient!

I did not use any of the insurance but it was nice to know it was there.