Travel Insurance Reviews John Hancock Insurance Agency, Inc. Gold
Offering the highest coverage limits of the three plans provided by John Hancock, the Gold plan offers the most included coverage as well as optional upgrades. This plan offers Trip Cancellation and Trip Interruption, as well as many other coverages including Missed Connection and Itinerary Change. These coverages could come in handy if a covered common carrier delay causes you to miss your cruise departure or if your travel supplier changes your covered trip itinerary after your departure date.
To learn more, see the John Hancock Insurance Gold product page.
The trip included a
cruise
tour
John Hancock
Gold
John Hancock may be an adequate travel insurer but its claims administrator, Sedgwick, caused me never to purchase any type of John Hancock insurance coverage. Nineteen days before scheduled departure for a France guided tour, I had been hospitalized the second time in as many weeks for bronchitis. The second time was also for sinusitis and the new strain of Covid. CT/MRI scans of the sinuses also revealed that I had incurred a minor stroke. Because of the recurring respiratory infections and need for a cardiology referral, the hospital physician signed a statement medically advising to cancel the upcoming trip scheduled for August 20--September 6. Sedgwick rejected the letter for lack of "required documentation" but would not specify what was required. Four times submitting documentation that did not satisfy Sedgwick, I learned it only wanted physician to specify the dates I could not travel. When bronchitis returned for the third time, I showed the physician Sedgwick's email. He retroactively specified the dates I was restricted from travel. I do no recommend John Hancock insurance because of its claims adjuster, Sedgwick. Lesson learned: always confirm if the insurance company also administers claims. Third-party claims adjusters may be paid a bonus for the amount of claims denied. Caveat emptor!
Larry Dean M. would not
recommend this plan to a friend or relative.
The trip included a
cruise
tour
John Hancock
Gold
The good news, I never had to use the plan. I do have underlying health concerns so I pick a great plan. I was an insurance agent for 33 years and sold some of product during that period. Our agency had our retirement plan with JH and I was the active administrator.
Richard L. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
tour
John Hancock
Gold
It took longer than I expected about 7 weeks to fully process my claim
Dean F. would
recommend this plan to a friend or relative.
John Hancock
Gold
Didn't need to file a claim, but it is comforting to know that we were protected in case of problems.
Thomas H. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
John Hancock
Gold
Overall best for the price
Rhoda R. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
tour
John Hancock
Gold
They even supply a wallet insurance card to carry, also have electronic copy of what is covered. It is piece of mine knowing the family is protected from the unlikely event for this coverage. Having the coverage makes the ski trip that much more enjoyable.
Thomas F. would
recommend this plan to a friend or relative.
John Hancock
Gold
No claim so nothing to say. I did have a prior claim on another trip and John Hancock's follow-up was very good.
Michael T. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
John Hancock
Gold
Hard to review when the policy wasn't used. Bought it and had peace of mind.
Glenn W. would
recommend this plan to a friend or relative.
John Hancock
Gold
We had a bucket list trip planned to Paris and I became ill and could not travel. I was heart broken. Insuremytrip.com, Seven Corners, and John Hancock were easy to work with, everyone was kind, and responded quickly. I contacted them, they emailed me a very easy to fill out form, had my physician fill out the appropriate areas, sent it back and they had my check in the mail to reimburse me for my prepaid trip expenses within 10 days. I will always use this site and the John Hancock gold plan for all my large travel trips. They were wonderful and easy to work with!! It was worth every penny!! Hopefully, I will go again, buy the policy, not have to use it and actually make it to Paris. I will not go on any big trip now without them!
Joanna B. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
tour
John Hancock
Gold
Expensive plan and didn't need it, but if we did the coverage would have been excellent.
William S. would
recommend this plan to a friend or relative.