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John Hancock Travel Insurance offers three types of comprehensive coverage plans, all of which include primary medical coverage, cancel-for-any-reason (CFAR) options, and delay and interruption coverage.
The plans also cover many expenses that might arise from extending a trip due to an accident or illness while traveling. Those types of events could cost some big bucks without coverage.
John Hancock provides 24/7 assistance and won an award from NerdWallet as the best travel insurance company for people booking their travel with points and miles.
John Hancock
John Hancock offers generous travel medical coverage and a frequent travel loyalty benefit for award reservations.
Pros
- Covers $200 in fees for redepositing points and miles on eligible canceled award reservations.
- Cancel For Any Reason add-on available for all plans.
Cons
- Reports of lengthy claims processes.
John Hancock travel insurance offerings
John Hancock offers three plans, bronze, gold and silver. All have very similar inclusions, with the difference being the amount of coverage.
One difference involves the cost of the trip itself. The bronze plan is only for trips up to $10,000 and the silver is for trips up to $20,000. The gold plan will insure a trip that costs up to $100,000 per person.
The gold plan does include air ambulance coverage if it is necessary.
John Hancock Travel Insurance is part of John Hancock Insurance, which is a subsidiary of Manulife. Its travel insurance policies are underwritten by Starr Indemnity & Liability Company, New York, NY.
All John Hancock travel insurance plans include:
- Trip cancellation for 100% of the cost.
- The option of adding cancel for any reason coverage (CFAR) for an additional 50% of the cost of the plan.
- Trip interruption of at least 125% of the trip and up to 150% depending on the policy you choose.
- Delay coverage beginning at three hours for some policies and six for another.
- Missed connection coverage if you miss a connecting flight which causes you to miss a portion of your trip.
- Single occupancy supplement coverage, which covers any costs you incur if your traveling companion cancels, interrupts or delays the trip and you have to pay more.
- Baggage delay and baggage coverage starting at $250.
- Coverage of $200 for airline ticket change fees.
- Primary emergency accident and sickness coverage starting at $50,000 and going up to $250,000.
- Coverage for additional expenses that come from having to extend a trip due to an illness or accidental injury that happens while traveling.
- Emergency medical evacuation and repatriation coverage from $250,000 to $1 million.
- A pre-existing conditions waiver within 14 days of making a trip deposit with a 60-day look back period.
- Rental car and accidental death and dismemberment coverage are available add-ons.
All plans also include terror attack coverage.
Something that made these plans an award-winner in NerdWallet’s eyes is what John Hancock calls Frequent Traveler Loyalty coverage. Each policy includes $200 in coverage if you used points or miles for any part of a covered trip and you must pay a fee to redeposit them into your account if you cancel the trip.
If you buy an insurance policy and then decide it isn’t right for you, you can usually get a refund within 14 days, depending on what state you live in.
These policies seem fairly inclusive and straightforward with few additions and add-ons.
John Hancock detailed policy overview
Here’s a look at how the coverage compares for John Hancock’s bronze, silver and gold plans.
| Coverage | Gold | Silver | Bronze |
|---|---|---|---|
| Trip cancellation | 100% of trip cost. | 100% of trip cost. | 100% of trip cost. |
| Trip interruption | 150% of trip cost. | 150% of trip cost. | 125% of trip cost. |
| CFAR available | Yes. | Yes. | Yes. |
| Trip delay | 3 or more hours $1,000 ($200 per day). | 3 or more hours $750 ($150 per day). | 6 or more hours $500 ($150 per day). |
| Missed connection | $1,000. | $750. | $200. |
| Single occupancy supplement | Yes. | Yes. | Yes. |
| Airline ticket change fee | $200. | $200. | $200. |
| Baggage & personal effects | $2,500. | $1,000. | $750. |
| Baggage delay 12+ hours | $500. | $500. | $250. |
| Emergency accident and sickness medical expense | $250,000. | $100,000. | $50,000. |
| Emergency medical evacuation and medically necessary repatriation | $1 million. | $500,000. | $250,000. |
| Repatriation of remains | $1 million. | $500,000. | $250,000. |
All plans include 24/7 emergency travel assistance, a 60-day lookback for pre-existing conditions and terror attack coverage.
Each plan also has the option to add secondary rental car coverage of $50,000 and accidental dismemberment coverage of $300,000 or $500,000.
What John Hancock travel insurance does not cover
All three of John Hancock’s policies are fairly comprehensive, but there are few things they will not cover.
- Dental treatment, except as a result of an accidental Injury to sound natural teeth, or emergency dental treatment for relief of pain.
- Claims resulting from expenses incurred as a result of being under the influence of drugs or intoxicants.
- Traveling with the purpose of seeking medical treatment.
- War, invasion, acts of foreign enemies or civil war.
- Loss or damage to eyeglasses, sunglasses or contact lenses.
How much is John Hancock travel insurance?
Cost can often help you determine which insurance plan is right for you, but make sure it includes all the coverages you need.
To determine the cost of the John Hock travel insurance plans, we looked at rates for a 45-year-old man from Illinois traveling on a $1,500 trip to Mexico on November 1-7, 2026.
Prices for the bronze and silver plans were fairly close, at $63 and $67, respectively. The gold plan was $105.
Let’s take a closer look at the bronze plan, which started at $63.
Adding CFAR coverage raises the premium to $94.50. Adding just rental car collision coverage is $9 per day and includes $50,000 in coverage brings the premium to $126. Including $300,000 in accidental death and dismemberment coverage increases the premium $19 and $27 for $500,000 in coverage.
Including all three additional coverages increases the premium to $176.50.
Looking at the same things for the silver plan, the base coverage is $67. Adding CFAR coverage takes it to $100.50, rental car coverage to $130, accidental death & dismemberment at $300,000 to $86 and $94 for $500,000 in coverage.
The total for all three additions is $190.50.
Now for the gold plan, the base coverage is $105. Adding CFAR coverage takes it to $157.50, rental car coverage to $168, accidental death & dismemberment at $300,000 to $124 and $132 for $500,000 in coverage.
The total for all three additions is $239.50.
The costs for the bronze and silver plans seem to stay relatively close even when the price of a trip increases. For a $5,000 trip, there is only a $14 difference in the price.
For a trip valued at $11,000, only the silver and gold plans are available at a base cost without add-ons of $605 and $715 respectively.
How it compares to competitors
With only three plans and few add-ons, it’s relatively simple to compare John Hancock’s plans to each other.
Looking at the plans to cover a $1,500 trip, the average price of policy is $78.33.
Comparing that average to competitor Tin Leg, whose cheapest plan that includes medical coverage is $74.76.
Keep one thing in mind when comparing plans, these John Hancock plans include primary medical coverage, not secondary like many other companies.
| Company | Star rating | Basic plan cost | Premium plan cost | Generate a quote |
|---|---|---|---|---|
| Berkshire Hathaway Travel Protection | | $26. | $75. | |
| Tin Leg | | $36. | $188. | |
| WorldTrips Travel Insurance | | $47. | $66. | |
| World Nomads | | $63. | $115. | |
| Trawick International | | $100. | $194. | |
| AXA Assistance USA | | $114. | $159. | |
| AEGIS (GoReady) Travel Insurance | | $139. | $208. | |
| HTH Travel Insurance | | $146. | $233. | |
| Seven Corners | | $154. | $225. | |
| Travel Insured International | | $164. | $218. | |
| Allianz Global Assistance | | $166. | $291. | |
| USI Affinity Travel Insurance Services | | $169. | $297. | |
| AAA | | $183. | $222. | |
| IMG | | $183. | $252. | |
| Travel Guard | | $135. | $236. | |
| Arch RoamRight | | $202. | $225. | |
| These star ratings are based on a separate analysis of each travel insurance provider’s offerings. For more detailed scoring, see our recommendations for the best travel insurance companies, read each individual provider's NerdWallet review or view our methodology at the end of this article. Pricing is subject to change based on your specific trip details. You can verify the latest price by clicking through to Squaremouth (a NerdWallet partner). | ||||
How to choose a John Hancock travel insurance policy
Since the bronze, silver and gold plans are fairly similar, the cost of your trip could be an important factor to help determine which plan is best for you.
The bronze plan is only for trips up to $10,000, the silver for trips up to $20,000 and the gold plan for trips up to $100,000 per person. That means that pricy once-in-a-lifetime trip might only be covered under a higher-priced plan.
Also, pay attention to the travel coverages for things like baggage and delays. Coverage for delays kicks in after only three hours for the gold and silver policies, but after six hours for the bronze.
The missed connection, baggage delay and general baggage policies are also significantly better for the silver and gold plans. For example, the missed connection coverage is only $200 for the bronze plan and $1,000 for the gold plan. That could help defer the costs associated with catching up to a trip or making up for things you missed.
The medical coverage limits are also worth considering. If you’re older or more likely to get sick and need medical attention or are traveling to somewhere remote, higher coverage limits might be important to you.
To buy a policy, once you find the one you want and select the add-ons, you just input some personal information and pay for the policy.
Coverage for cancellation begins at 12:01 a.m. local time at your location on the day after John Hancock receives your paid premium.
Does John Hancock offer 24/7 travel assistance?
John Hancock travel insurance plans include 24/7 assistance including primary emergency accident and emergency sickness expense coverage as well as emergency medical evacuation and medically necessary repatriation.
This assistance also includes concierge benefits like help making tee-times and restaurant recommendations as well as translation services. You can also get help finding an English-speaking doctor, knowing where to go if you lose your passport, need cash assistance, legal representation and many other things.
While traveling, in the U.S. call 1-833-322-1237 and internationally 1-819-566-0612.
How to file a claim with John Hancock travel insurance
You can file a claim with John Hancock travel insurance online and you can also start a claim on the phone.
To ask a question about the claims process or to have a claim form sent to you, call 1-866-511-9104. The office is open Monday through Friday, 8 a.m. to 5 p.m. Eastern time.
The website also has lots of informational dropdowns on the documentation you need to file your claim.
Common items include: a complete copy of your travel itinerary, proof of payment for the trip, confirmation of the delay, cancellation, etc., copies of receipts and a copy of a government-issued photo identification.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2026:
- Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
- No annual fee: Wells Fargo Autograph® Card
- Flat-rate travel rewards: Capital One Venture Rewards Credit Card
- Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
- Luxury perks: American Express Platinum Card®
- Business travelers: Ink Business Preferred® Credit Card
Explore more on
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