John Hancock Insurance Agency, Inc. Silver
The John Hancock Silver Plan is designed for both Domestic and International travel coverage. There are valuable benefits you may need before and during your trip when your travel plans could change due to unexpected delays or interruptions. This plan includes a wide range of coverages including trip cancellation, trip interruption and trip delay, plus primary accident or sickness medical coverage. There are no deductibles on claims and you can customize a personal plan by adding optional coverages including Trip Cancellation for Any Reason, rental car coverage and increased Common Carrier Accidental Death and Dismemberment limits.
If you are taking a cruise or a well-planned vacation, the John Hancock Silver travel insurance plan is a good insurance option to include in your travel plans. If your trip is delayed en route to or from your destination for 3 hours or more, the Silver plan includes benefits to help with unexpected out-of-pocket arrangements. Covered reasons include inclement weather, sickness of you or a family member, or airport closures are a few of the many covered occurrences. Baggage delay or loss is covered with some benefits starting after just 12 hours of checked luggage being delayed. Multilingual assistance is available 24/7 in case you need help during your trip or even assistance with arrangements to return home due to an emergency. Please refer to the policy for all the benefits, terms and conditions.
Coverages and Plan Info
The John Hancock Silver Plan is designed for both Domestic and International travel coverage. The plan information listed below is for general purposes only. To view specific plan information for your trip, start a quote.
Plan Summary
Protect your trip with cancellation, interruption, delay and medical benefits.
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Trip Cancellation | Trip Cost |
| Trip Interruption | Trip Cost + 50% |
| Baggage Loss | $1,000 $250 Per Article Limit |
| Baggage Delay | 12+ hours $500 max |
| Medical Limit | $100,000 |
| Pre-Existing Condition Waiver | If insurance purchased within 14 days of Initial Trip Payment and certain conditions are met. |
| Pre-Existing Condition Lookback Period | 60 days |
| Medical Evacuation | $500,000 |
Plan Info
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Plan Type | Comprehensive |
| Refund Policy | 14 Day Review Period |
| Available to | U.S. Residents |
| AM Best Rating | A |
Trip Protection
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Trip Cancellation | Trip Cost |
| Trip Interruption | Trip Cost + 50% |
| Financial Default | 14 Day Wait, if purchased within 14 days of Initial Trip Payment |
| Terrorism in Itinerary City | Foreign and U.S. Domestic |
| Interrupt for Any Reason | – |
| Cancel for Any Reason | 75% of non-refundable trip cost (requires purchase within 21 days of Initial Trip Payment and certain conditions are met) (optional) |
| Baggage Loss | $1,000 $250 Per Article Limit |
| Baggage Delay | 12+ hours $500 max |
| Travel Delay | 3+ hours $150/day $750 max (secondary) |
| Vacation Rental Damage | – |
Medical
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Medical Limit | $100,000 |
| Dental | $750 included in Medical |
Pre-Existing Conditions
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Waiver | If insurance purchased within 14 days of Initial Trip Payment and certain conditions are met. |
| Lookback Period | 60 days |
Accidental Death
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| 24-Hour Full Coverage | $100,000 |
| Common Carrier | Included in Accidental Death 24-Hour |
| Flight Only | $0 (optional) $300,000 (optional) $500,000 (optional) |
Evacuation
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Medical Evacuation | $500,000 |
Additional Benefits
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| 24-Hour Emergency Assistance | Call for Details |
| Rental Car | $50,000 (secondary) (optional) |
| Optional Coverages | – |
| Notes | Included Benefits Itinerary Change Missed Connection (secondary) |
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