Claims processing is cumbersome. They ask for far more information than they need. I think their goal is to frustrate you into just giving up. I travel to Europe several times a year and always get travel insurance. The is our first and LAST time with John Hancock.
Brad J. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
Paid claim with ZERO hassle. Rough trip - lost Bose headphones between plane and baggage claim. Then arrived at YVR late due to flight delay. Had to take a cab and get a hotel room. Both claims paid with zero hassle. Impressive.
mark m. would
recommend this plan to a friend or relative.
12 of
20 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
We unfortunately missed the first day of our cruise due to our flight being cancelled due to an airport workers strike. The insurance claim processing was straight forward and they were very prompt on processing our claim. I will definately use them for our next trip. You always hope that nothing happens to delay your trip, but having an insurance company that is straightforward to deal with and prompt with a fair resolution gives you a lot of peace of mind when travelling.
Jane S. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
On a one in a lifetime trip our family of six was without luggage for 5 days. We tried to make the most of it and didn't know when or if we would get our clothes and hygiene products back. We didn't purchase much to replace our things but we're later told we don't compensate for inconvenience just what you buy to replace. We learned!
Robert B. would
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
Thank you for your feedback on the policy. We are sorry to learn that baggage was delayed for so long during your trip.
You did have Baggage Delay coverage on this plan under the following terms, which can be found in your certificate:
'We will pay You for the expense of replacing necessary personal effects, up to the maximum shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than 12 hours, while on a Covered Trip, except for travel to final destination or place of residence.
You must be a ticketed passenger on a Common Carrier. All claims must be verified by the Common Carrier who must certify the delay or misdirection and receipts for the purchase or replacement of necessary personal effects must accompany any claim.'
If you have any questions or concerns please call us at 800-487-4722.
You did have Baggage Delay coverage on this plan under the following terms, which can be found in your certificate:
'We will pay You for the expense of replacing necessary personal effects, up to the maximum shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than 12 hours, while on a Covered Trip, except for travel to final destination or place of residence.
You must be a ticketed passenger on a Common Carrier. All claims must be verified by the Common Carrier who must certify the delay or misdirection and receipts for the purchase or replacement of necessary personal effects must accompany any claim.'
If you have any questions or concerns please call us at 800-487-4722.