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Travel insurance provides peace of mind in case of illness, severe weather, trip cancellation, missed connections, lost luggage, and other unexpected events that may arise while traveling.
John Hancock has provided insurance to millions of people since 1862 and offers three tiers of travel insurance –bronze, silver and gold, each loaded with great benefits and services. The company’s travel insurance has comprehensive coverage limits, versatile add-ons and few coverage exclusions.
John Hancock representatives are available 24/7 to help with any emergency you may have while away from your home. In our John Hancock travel insurance review, we will go deeper into the company’s customer experience, its strong industry presence and the rock-solid financial history that backs its policies.
John Hancock Travel Insurance Review
- In business since: 1862
- AM Best financial strength rating: A+
- Policy types: Bronze, Silver, Gold
| Pros | Cons |
| Good standing in the industry Exceptional customer service Range of plans and add-ons | No free coverage for children No coverage for extreme activities Limited plan customization options |
Bronze Plan
- Rates starting from $24
- Trip Protection:
- Trip cancellation: 100% of trip cost
- Trip interruption: 125% of trip cost
- Emergency Medical Insurance: $50,000.
- Deductible: $0 or $750 Dental Expense Only
- Evacuation and repatriation: $250,000
- Baggage loss and theft: $750
- Number of activities covered: 11
Silver Plan
- Rates starting from $31
- Trip Protection:
- Trip cancellation: 100% of trip cost
- Trip interruption: 150% of trip cost
- Emergency Medical Insurance: $100,000.
- Deductible: $0 or $750 Dental Expense Only
- Evacuation and repatriation: $500,000
- Baggage loss and theft: $1,000
- Number of activities covered: 11
Silver Plan
- Rates starting from $54
- Trip Protection:
- Trip cancellation: 100% of trip cost
- Trip interruption: 150% of trip cost
- Emergency Medical Insurance: $250,000
- Evacuation and repatriation: $1,000,000
- Baggage loss and theft: $2,500
- Number of activities covered: 11
The Bottom Line
Underwritten by Starr Indemnity & Liability Company, John Hancock travel insurance plans are some of the best in the industry. The three tiers of travel insurance provide emergency assistance services should you need help while traveling.
John Hancock travel insurance plans cover most unexpected costs such as illness of you, a family member, or a travel companion, cancellation or interruption of your trip due to unexpected reasons, missed connections, severe weather, strikes, baggage coverage, accident and sickness with assistance services, medical repatriation, and many other benefits.
Pricing is competitive and coverage is comprehensive. There are a few exclusions, but none that stand out as unreasonable, except that each child must also have separate coverage and extreme activities like scuba diving and hang gliding are not covered.
The Competition
| John Hancock | Allianz | Travelex Insurance Services | |
| Available plans | 3 | 9 | 2 |
| AM Best financial strength rating | A+ | A+ | A- |
| Annual plans | ✓ | ✓ | X |
| 24-hour travel assistance service | ✓ | ✓ | ✓ |
John Hancock vs. Allianz
Both John Hancock and Allianz offer excellent customer service and earn high marks for pricing and comprehensive plans. Allianz offers nine plans and coverage for long trips. And, unlike John Hancock, it has free coverage for kids on trips over six months. John Hancock only offers three plans, but its add-on coverages are a bit more flexible than Allianz.
Allianz will insure a trip up to one year, which is great for students studying abroad or long vacation plans. John Hancock doesn’t offer that feature. But, John Hancock will allow trip-goers to cancel for any reason (for an extra charge), whereas Allianz doesn’t offer that key advantage.
John Hancock vs. Travelex Insurance Services
Both John Hancock and Travelex boast strong financial strength. John Hancock offers three plans and Travelex offers two. However, unlike John Hancock, Travelex covers children for free. Both have great customer service with comprehensive coverage and upgrade options. Travelex also offers coverage for extreme adventures, whereas John Hancock does not. And, where John Hancock is best for solo travelers, Travelex is best for families.
John Hancock has a pretty straight-forward contract that’s easy to understand. Travelex’ contract seems a bit more complicated. And, while price with both insurance carriers depends on a number of variables, John Hancock typically wins for pricing when compared to Travelex.
John Hancock Travel Insurance FAQ
About the Authors
Kathryn Pomroy is a writer for Reviews.com. Over the last 15 years, she has covered many topics for Reviews.com including home and auto insurance, insurance claims, among others. She has been featured on finder.com, Intuit, SimpleRate, Credible, and more. Kathryn holds a degree in Journalism. Her favorite review on the Reviews.com site is Does Homeowner’s Insurance Cover High-rise Condos?
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