When planning a trip, it is crucial to secure your safety and financial stability, and a good and effective way to do that is by purchasing John Hancock travel insurance. This type of insurance provides a wide range of coverage options that offer peace of mind to travelers.
John Hancock travel insurance strives to satisfy the various needs of contemporary travelers by providing comprehensive coverage, which includes medical emergencies, trip cancellation, and luggage protection. Whether you are planning a business trip or family trip, understanding the advantages of John Hancock travel insurance may help you make wise decisions and protect your belongings during your trip.
This article aims to provide valuable information about how this insurance works, coverage options, advantages and disadvantages, as well as other useful tips.
John Hancock Travel Insurance Plans
There are three major travel insurance policies offered by the this agency; they are as follows:
Gold Plan
John Hancock offers the gold plan as the highest travel insurance policy. While it provides the comprehensive coverage for travelers, be prepared to pay higher premiums in order to enjoy the benefits attached.
The gold plan also includes coverage for accidental death and dismemberment (AD&D), as well as weather-related issues such as hurricanes.
Bronze Plan
The bronze plan is an ideal option for travellers on a tight budget. The silver plan is specifically designed to cover emergency medical care, payment for trip cancellation, and evacuation for travelers.
It is a comprehensive plan that provides up to $50,000 for emergency medical expenses. In addition to the type of coverage it offers, the plan also features baggage, missed connection, and personal effect coverage. The coverage amount for each type of coverage differs significantly; it is advisable to seek more information from the travel agency to have a better idea of what the plan entails.
Silver Plan
John Hancock travel coverage silver plan provides comprehensive coverage tailored to meet the needs of different categories of travelers. This plan includes coverage for emergency medical care, evacuation, and repatriation, up to the limit of the policy. If your trip was delayed for about three hours or more, the silver plan will reimburse the policyholder with a maximum of $150 per day.
Does John Hancock Travel Insurance Offer 24/7 Assistance?
Yes, the insurance plans offered by John Hancock also feature 24/7 travel assistance. They have a 24/7 emergency assistance hotline that you can access if you have any problems with your trip.
Let’s say you encounter a difficulty in locating medical care or finding any missing prescription medications; you can reach out to them for assistance. The services they provide also include assistance with legal services, lost passports, and so many more.
What Is Are the Exclusions?
Just like every other travel insurance policy, this insurance plans also have their limitations and exclusions. It is often advisable to read the fine print of any insurance document carefully in order to have a better idea of what the policy covers and what it does not. Here, we would highlight some of the common exclusions for John Hancock emergency medical coverage:
- Dental treatment. (May be covered if it is due to an accidental injury)
- Cosmetic surgery. (May be covered if it is due to an accidental injury)
- Mental disorders.
- Emotional disorders.
- Attempted suicide or suicide itself.
- Participation in a riot.
- Non-emergency treatment and surgery.
- Injuries incurred from intoxication unless the prescription was given by a physician.
These are some of the typical exclusions in a John Hancock travel insurance policy. There may be others, so endeavor to review your policy documents to be on the safer side.
What Are the Pros
John Hancock travel agency offers a wide range of benefits to travelers who seek satisfactory medical and evacuation coverage. The insurance plans they offer also feature trip cancellation coverage, delayed baggage, and missed connection. Highlighted below are other benefits of this insurance:
- Baggage loss coverage of $2,500.
- Travel delay coverage.
- Trip interruption coverage.
- Available upgrade for trip cancellation.
- Outstanding medical evacuation benefits.
What Are the Cons?
Although John Hancock travel insurance plans feature several benefits that are beneficial to travelers, it is important to consider some of their downsides:
- Baggage delay coverage requires a 12-hour delay.
- The plants are often expensive.
Which John Hancock Plan Is Best For Me?
If you are interested in purchasing this travel insurance, there are several types of plans that are specially designed to meet various needs. John Hancock travel insurance offers three main types of plans, which we have discussed earlier: the gold, silver, and bronze plans.
The bronze plan may be an ideal option for travelers who intend to go on a simple return trip. On the other hand, if your trip is going to be for a long period of time and you intend to move from one location to the other, you can consider either a gold or silver travel insurance plan. To sum it all up, the type of plan that is ideal for you should be measured by your unique needs, purpose of travel, and budget.
FAQs
Does John Hancock Travel Insurance Cover Covid?
Yes, Hancock Travel Agency travel plans offer coverage for Covid. If you have to cancel your trip due to any Covid-related medical issue, the plan will reimburse you for the income you lost and even cover your medical expenses.
What type of coverage does John Hancock travel insurance offer?
John Hancock travel insurance offers a variety of coverage to travelers who wish to protect their belongings and maintain financial stability. The policy includes coverage for trip cancellation, medical emergencies, travel delays, baggage loss, and so many more. Endeavor to always review the content of your policy to have a better idea of what it covers and its exclusions.
Are pre-existing medical conditions covered by John Hancock travel insurance?
Well, it depends. John Hancock may offer coverage for preexisting conditions if the policyholder meets the certain criteria for coverage. If you have a pre-existing medical condition exclusion waiver on your policy, then it can be covered.
