June 23, 2024
John Hancock Travel Insurance Review

If you’re looking for travel insurance with the best baggage loss coverage, you may want to consider purchasing a policy through John Hancock. You can get up to $2,500 in coverage for lost, stolen or damaged baggage and personal effects. Depending on the plan you purchase, you will also receive between $250 and $500 reimbursement for items you need to purchase due to delayed baggage.

Pros explained

Up to $2,500 in baggage loss coverage

If your baggage or personal effects are lost, stolen or damaged during your trip, you can receive up to $2,500 to reimburse your losses under the Gold plan. This reimbursement cap is higher than many other travel insurance providers offer. This benefit is particularly useful if you’re traveling with valuable belongings.


$1 million medical evacuation benefit

If you experience an accident or medical emergency while on your trip, you are eligible for up to $1 million in medical evacuation coverage under the Gold plan. This benefit covers transportation to the nearest appropriate hospital or facility for medical treatment.


Travel delay benefits are effective after only a 3-hour delay

If your trip is delayed for any reason covered by John Hancock Travel Insurance, your delay benefits will be effective after only three hours under the Gold and Silver plans. Delay coverage reimburses the unused portion of your trip as well as the necessary meals and lodging due to the delay.


Cons explained

New York residents are excluded from ‘Cancel for Any Reason’ coverage

John Hancock Travel Insurance covers trip cancellation expenses only for events covered under its regular plans. If you want coverage for trip cancellations due to any other reasons, you’ll need to purchase ‘Cancel for Any Reason’ optional coverage. Unfortunately, New York residents are ineligible to purchase this add-on coverage.


Pricier than other travel insurance providers

Travel insurance through John Hancock provides higher coverage limits than many other providers, but the insurance cost is also pricier. If you are looking for budget travel insurance, this travel insurance policy will probably not be your best option.

John Hancock Travel Insurance Plans

John Hancock Travel Insurance offers three plans: Silver, Bronze and Gold. Each has a different price tag as well as different coverage limits. All plans offer 100% reimbursement for trips that are canceled due to covered reasons, as well as $200 reimbursement for airline ticket change fees. All three plans provide a single occupancy supplement if your travel rates increase due to a co-traveler canceling or interrupting their trip, as well as terror attack coverage and 24/7 emergency travel assistance.


Three additional coverage options can be added to any of the base plans. Trip Cancellation for Any Reason reimburses up to 75% of non-refundable trip costs for cancellation reasons not covered under base plans. The coverage must be purchased within the first two weeks after making a payment on your trip. Rental Car Collision covers up to $50,000 in rental car repairs. You can also purchase $300,000 or $500,000 in Accidental Death and Dismemberment for air travel only.



The Bronze plan is the least expensive travel insurance option available through John Hancock. Trip interruption coverage reimburses 125% of expenses. The emergency accident and sickness medical expense benefit pays up to $50,000, and emergency medical evacuation covers up to $250,000. Trip delay coverage is effective after six hours and covers up to $500. Lost baggage reimbursement offers coverage up to $750, and the baggage delay benefit covers up to $250. There is a $250,000 limit for repatriation coverage.


The John Hancock Travel Insurance Silver plan is the middle-of-the-road option. It is pricier than the Bronze plan but less expensive than Gold. If your trip is interrupted for a covered reason, you will receive a 150% reimbursement for the unused portion of the trip and additional transportation costs. You are covered up to $100,000 for emergency accident and sickness medical expenses and up to $500,000 for medical evacuation expenses.


Trip delay coverage is effective after three hours and provides up to $750. You will also receive up to $750 to cover expenses related to a missed connection. Lost baggage coverage reimburses up to $1,000, and you can receive up to $500 in costs related to baggage delays. The repatriation benefit — up to $500,000 — covers the cost of transporting your body back home if you die while on your trip.



The Gold plan is John Hancock’s elite travel insurance offering and comes at a higher price than the other plans. It provides 150% trip interruption reimbursement and pays up to $250,000 in emergency accident and sickness medical expenses. Emergency medical evacuation covers up to $1 million. Trip delay coverage is effective after three hours and covers up to $1,000. Lost baggage reimbursement offers coverage up to $2,500, and you can receive up to $500 in reimbursements for purchases related to delayed baggage. The repatriation benefit covers up to $1 million.

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