John Hancock Travel Insurance: 2022 Review, Coverage, Pricing

Insider specialists decide the most effective services and products to assist make sensible selections together with your cash (this is how). In some circumstances, we obtain a fee from our companions, nevertheless, our opinions are our personal. Phrases apply to the gives listed on this web page.

John Hancock is a long-standing and revered insurance coverage firm. The corporate has been round for over a century since its founding in 1862.

We’ll cowl John Hancock’s journey insurance coverage insurance policies, protection choices and limits, and premiums you possibly can anticipate to pay. We will even evaluate John Hancock with different main journey insurance coverage suppliers that will help you higher perceive their similarities and variations.

Square Mouth John Hancock Travel Insurance

john hancock journey insurance coverage

Square Mouth John Hancock Travel Insurance

john hancock journey insurance coverage

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Whatever the schedule, vacation spot, or itinerary, it’s important to contemplate the consequences that an sudden occasion could deliver throughout your deliberate journey. Insurance coverage could also be a smart funding if you’re going through travel-related bills corresponding to medical prices, emergency evacuations, flight delays, and extra.

John Hancock Journey Insurance coverage Plans

John Hancock retains it easy by providing solely three primary plans: Bronze, Silver, and Gold. Every gives completely different protection limits, and your premiums rely in your private and flight particulars.

This is a take a look at the protection limits you may get with every plan:

Further Protection Choices from John Hancock

Like many different journey insurance coverage suppliers, John Hancock gives some extra performance. These embody:

These add-ons might be bought concurrently your coverage for an extra value. Protection quantities could range relying on the coverage bought.

How a lot does John Hancock journey insurance coverage value?

Crucial factor to recollect is that the price of your coverage will primarily rely in your age and the price of your journey. So premiums can range extensively.

Nonetheless, trade averages for journey insurance coverage vary from 4% to eight% of the overall journey prices, which is an efficient criterion to bear in mind.

Happily, getting a quote from John Hancock is straightforward. Go to their web site and enter the required details about the traveler and their flight. You’ll be requested to supply data together with:

  • Your nation of residence
  • age
  • Vacation spot
  • journey dates
  • The price of your journey

We have pulled out a number of completely different quotes as examples to supply a pattern of how a lot a coverage may cost a little from John Hancock.

We’ll first take a look at protection choices for a 30-year-old Kansas resident who takes a two-week journey to Thailand and spends $3,000.

With premiums starting from $111 to $160, this traveler pays round 4% to five% of the flight value for protection. That is the minimal trade common and is usually as a result of age of the traveler.

The next instance is the insurance coverage premiums for a 55-year-old Maryland resident touring to the UK for 2 weeks. The price of the journey was set at $6000.

Premiums vary from $305 to $451, relying in your degree of protection, which is 5% to 7.5% of the overall journey value. Once more, consistent with trade averages.

Lastly, we in contrast the prices of John Hancock’s three completely different plans for a 40-year-old Oregon resident spending $8,000 on a visit to South Africa.

On this instance, the premiums vary from $422 to $545. This may increasingly sound excessive, however it’s nonetheless within the vary of 5% to 7% of the overall value of the journey.

As you possibly can see, the price of protection primarily is determined by the age of the traveler and the overall value of the journey. Nonetheless, all of those fares are consistent with trade averages by being someplace between 4% and eight% of the overall journey prices.

How do I file a grievance with John Hancock?

If it is advisable to file a declare, you can begin by visiting the corporate’s claims web site. The Claims Division may also be reached by telephone at 855-422-6462 or by e mail at [email protected].

Any documentation that you could be want to incorporate together with your declare might be emailed to the e-mail handle above, or mailed to:

Declare advantages companies
PO Field 459084
Dawn, Florida 33345

For common data and questions, the John Hancock customer support line is 866-511-9104.

Premium Journey Insurance coverage from Insider

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Editor’s Ranking

4.5 / 5

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John Hancock vs Nationwide Journey Insurance coverage

Each Nationwide and John Hancock are two well-known names within the insurance coverage trade. And every makes it simple to seek out protection by providing two or three insurance policies for only one journey.

With Nationwide, you possibly can select between Important and Prime packages.

The nationwide base plan comes with the next:

  • Journey cancellation protection as much as $10,000
  • As much as $250,000 in emergency medical evacuation
  • As much as $150 per day ($600 max) compensation for journey delays of greater than 6 hours
  • Delayed or misplaced baggage protection

By comparability, the John Hancock Silver plan comes with 100% of the price of the journey in flight cancellation protection, $500,000 in emergency medical evacuation protection, as much as $150 per day ($750 max) for journey delays of greater than 3 hours, and baggage insurance coverage. .

As you possibly can see, the coverage from John Hancock gives superior protection. However let’s additionally evaluate their top-notch plans.

The nationwide grasp plan, which gives extra protection, together with:

  • Cancellation of the journey as much as 30 thousand {dollars}
  • Journey interruption protection as much as 200% of the journey value (most $60,000)
  • $250 per day for flight delays of greater than 6 hours
  • As much as $1 million for emergency medical evacuation

The John Hancock Gold Class 1 plan gives 100% of the price of the journey in journey cancellation protection, 150% of the price of the journey in journey interruption protection, $1 million in emergency medical evacuation protection, and as much as $200 per day (1,000 {dollars} max) to reimburse for journey delays of three + hours.

When evaluating these two insurance policies, it is a bit more troublesome to declare considered one of them the clear winner as a result of most of the protection limits are comparable.

The most effective factor to do when on the lookout for protection is to check premiums to find out the appropriate coverage and supplier for you.

John Hancock vs. AIG Journey Guard

John Hancock and AIG Journey Guard supply three primary journey insurance policy. And with every plan, you may discover completely different protection limits and various kinds of safety.

To match these two suppliers, we’ll take a look at the mid-tier choices from every firm.

With AIG’s Journey Guard Most well-liked plan, you may get the next:

  • Journey cancellation protection as much as $150,000
  • Journey interruption protection of as much as $225,000
  • Emergency medical protection of as much as $50,000
  • Protection towards baggage loss, theft or injury as much as $1,000
  • Journey delay protection as much as $800

We are able to now evaluate that to the John Hancock Silver Plan, which gives 100% reimbursement of the price of the flight in flight cancellation protection, flight interruption protection at 150% of the price of the flight, $100,000 in emergency medical protection, baggage protection as much as $1,000, and journey delay protection As much as $750.

You’ll be able to see that the insurance policies are just about the identical when it comes to their protection. However do not forget that a number of components will decide the precise premiums for any of those journey insurance coverage insurance policies. So we suggest getting a personalized quote earlier than deciding which supplier and coverage is finest for you.

John Hancock vs Credit score Card Journey Insurance coverage Advantages

Should you maintain a journey rewards bank card, contemplate the coverages it would supply. Some insurance coverage, corresponding to rental auto collision protection, could also be out there via your card. That is perhaps sufficient, relying on the flight you are on.

For instance, if you’re renting a automotive for a highway journey and you do not have a variety of pay as you go, non-refundable bills related together with your journey, protection provided via a journey rewards bank card could also be adequate. However if you’re additionally on the lookout for medical protection and you do not have already got a coverage that covers you whereas touring, then buying journey insurance coverage is the best way to go.

As well as, bank card protection is often secondary. Because of this you’ll have to file a declare with another relevant insurance coverage (corresponding to an air journey supplier) earlier than submitting a declare to your bank card firm.

methodology

To offer a complete evaluation of John Hancock insurance coverage gives, we’ve got in contrast their journey plans with these of different trusted firms. We thought-about a number of issues when making our determination, corresponding to protection choices, declare limits, what the coverage consists of, out there add-ons, and typical insurance coverage coverage prices. The coverage that can work finest for you is one that gives the correct quantity and sort of protection required whereas additionally being reasonably priced and straightforward to make use of ought to any issues come up.

Ceaselessly Requested Questions

One of many disadvantages of journey insurance coverage is the expense. And they are often expensive, particularly for older vacationers. Nonetheless, it could possibly additionally shield you financially if one thing goes improper throughout your journey.

Different potential disadvantages of journey insurance coverage embody the potential of claims being denied and protection excluded for pre-existing circumstances. Nonetheless, it could possibly usually be mitigated by paying for extra coverages and absolutely understanding your plan.

In accordance with Insider’s evaluation of journey insurance coverage costs, the typical value of journey insurance coverage is 4% to eight% of your journey prices. After all, the premium will all the time rely primarily on the age of the traveler, the price of the flight and the vacation spot of journey. For instance, a primary coverage for a $5,000 journey ought to value about $200, and the coverage with increased protection limits ought to value about $400.

No, the price of journey insurance coverage doesn’t go up as your departure date approaches, in contrast to airfare or resort room charges which frequently go up. There isn’t a penalty should you wait to buy journey insurance coverage – regardless of whenever you achieve this. Nonetheless, some extra coverages are solely out there throughout a specified interval after the acquisition of the fundamental coverage.

Manulife, a Canadian insurance coverage firm, purchased John Hancock in 2004. So sure, they’re one.