John Hancock Review

John Hancock will appeal to individuals and small groups who want to quickly purchase a reliable travel insurance policy. However, a better deal can be found elsewhere for large groups.

Get Quotes

The Good

Easy online purchase

John Hancock’s travel insurance quote tool is fast and easy to use. Just enter your trip dates, destination, state, age, and trip cost to see your rates for all three of John Hancock’s plans. From there, you select which one offers the level of coverage you’re looking for and you’re directed to a page where you can purchase the policy. You just have to fill out a few more personal details like your name, birthdate, address, and payment information and you’re all set. The whole process is very straightforward and can be completed in a matter of minutes.

Additional medical coverage

Depending on which policy you choose to go with, John Hancock travel insurance offers between $10,000 and $75,000 of emergency medical coverage. If you’re concerned that this may not be enough, though, the Silver and Gold plans give you the option to upgrade your medical coverage to $100,000. You must pay an additional fee to receive this extra coverage, but it could be worth it if you need to be completely protected against unforeseen events.

Generous trip delay coverage

If you choose to go with John Hancock’s Gold plan, you receive $200 per day if your trip is delayed for more than five hours. This is significantly more than what most other travel insurance providers offer their customers in this situation. Most require a six-hour minimum delay before they reimburse you for food and lodging expenses and some only provide $100 per day. This may not be enough coverage, especially if you’re traveling with a group so choosing a travel insurance plan like the Gold plan from John Hancock could save you from the extra hassle of paying for these expenses yourself.

The Bad

No online claim tool

You can download your claim forms from the John Hancock website, but you have to physically mail the completed forms to them. Alternatively, you can contact the company by phone and have a representative take down your information, but you still have to fill out a claim form and mail it in along with the required documentation. This means that filing a claim and getting reimbursed could take a little longer than expected. That being said, this shouldn’t turn you off of John Hancock travel insurance entirely because they still have a lot to offer.

No plans for groups

A John Hancock travel insurance policy covers a maximum of 10 people. John Hancock is not the only travel insurance provider that doesn’t offer group policies, but the majority of the best companies do offer them. If you’re traveling with a student group or another organization with a large number of people, you may be able to get a better deal by selecting a company that offers a special group plan.

No assistance with cash transfers

John Hancock provides a number of travel services, including legal referrals and document replacement assistance, but they won’t help transfer funds to you if your money is lost or stolen during your trip. Instead, you have to arrange the transfer on your own. This is a service provided by almost every other major travel insurance company in the industry, so it’s surprising that John Hancock doesn’t offer it as well. If you think you would feel better choosing a company that offers this service, you might be better off looking at an insurance provider like Travel Guard.

Scant FAQ section

If you’re unfamiliar with how travel insurance works, you’ll have to look elsewhere. Several other companies in the industry have blogs or knowledge bases to help their customers learn more about their insurance and about traveling safely. These resources aren’t used by everyone, but they’re very helpful if you’re not a frequent traveler or haven’t purchased travel insurance before. This doesn’t have a direct impact on the insurance John Hancock provides, however, so it probably won’t play a large factor in your decision.

The Details


  • Maximum Age Insured: 99
  • Maximum Trip Cost: $15,000 - $75,000 (varies by plan)
  • Minimum Travel Delay Time: 5 hours
  • Travel Delay Compensation: Up to $200/day
  • Underwriter: Old Republic Insurance Company

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