John Hancock Travel Insurance – Silver Plan
John Hancock Insurance Agency (aka John Hancock Travel Insurance) has offered many travelers peace of mind through their Silver plan travel insurance. It provides travel protection for domestic and international coverage.
What The Silver Plan Covers
When you’re planning your next trip, you will want to include comprehensive travel insurance. This will protect you for trip cancellation, trip interruption, and trip delay, as well as unforeseen accident or medical sickness coverage. You will not be responsible for any deductibles on any claims. The plan also allows you to customize your insurance so you can add optional coverage such as rental car collision coverage, trip cancellation for any reason, and increased amounts covering common carrier accidental death and dismemberment limits. You have a choice of adding many optional coverage benefits to meet your individual needs.
Additional Benefits
The Silver plan is a great choice if you are taking a cruise or a long-deserved vacation. Another benefit of this insurance is that you have coverage if your trip is delayed while en-route to or from your destination point for three hours or more. For example, you will be covered to help with those out-of-pocket expenses you didn’t plan for if you were faced with inclement weather, sickness, airport closures, or many other occurrences that are covered. There is also coverage, starting after 12 hours if your baggage is lost or delayed.
John Hancock Travel Insurance Is There For You
During your trip, if you require help, you have a multilingual staff available to assist you. This assistance is available 24/7. You can even be assisted in making arrangements to return home if you face an emergency.
Specific Coverage and Amounts
We all know that different trip insurance plans offer different levels of coverage. John Hancock Insurance offers strong coverage with the Silver plan. If you face a trip cancellation, 100% of your pre-paid and non-refundable trip costs are covered for a wide variety of covered reasons. If you have trip interruption coverage, your coverage is 150% of the pre-paid and non-refundable trip costs. If you are faced with an airline ticket change fee, although certain conditions apply, you are offered up to $200 coverage. You are also covered if you there is a terrorist attack in your home city or destination city within a set amount of days of your trip dates.
Other Silver Plan Benefits
Travelers facing a trip delay of three or more hours are covered up to $150 a day or a total of $750 per person. If you miss your connection, you have coverage of $750 per person. Each traveler will have a benefit of $1,000 toward baggage and personal effects loss or theft and $500 for a baggage delay of 12 hours or more.
The Silver Plan and Medical Issues
During your trip, if you face an unforeseen emergency accident or sickness medical expense, you’ll have a $0 deductible and coverage of $100,000 per person with the Silver plan. An emergency medical evacuation and medically necessary repatriation provide you coverage of $500,000 per person. You are also covered for pre-existing conditions, which is based on a 60 day look back if the insurance is purchased within 14 days of initial trip payment and certain conditions are met. In the case of accidental death and dismemberment, your coverage allows for the principal sum of $100,000 per person. Your travel insurance should be reviewed, so you fully understand what is covered and what is not covered.
High Ratings
John Hancock maintains an A+ rating from the Better Business Bureau. The insurance company also maintains an A (Excellent) rating with A.M. Best. This rating is based on the insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations.
Anyone planning a cruise or a trip of any kind should consider the John Hancock Insurance Silver plan. It will not only give you peace-of-mind. It will also support you in case you have any issues during your trip.
John Hancock Insurance Agency, Inc. travel insurance plans are underwritten by Starr Indemnity & Liability Company
