John Hancock Insurance Agency, Inc.

John Hancock Insurance Agency, Inc. is a subsidiary of Manulife Financial Corporation, a leading North American-based financial services group serving millions of customers in 22 countries and territories worldwide. The underwriter for all travel insurance plans distributed by John Hancock Insurance Agency is Starr Indemnity & Liability Company. John Hancock Insurance Agency, Inc. acts only as an agency/distributor and is not the underwriter/insurer obligated to the policyholder for the benefits provided by this product.

These plans provide insurance benefits specialized to protect your financial investment in travel. They offer coverages that reimburse for many Unforeseen Events in case you have to cancel your trip, or your trip is interrupted due to an unexpected emergency. These plans provide reimbursement for unused non-refundable travel arrangements in case you need to return home early due to an Unforeseen Event. For additional coverage, consider the optional Cancel For Any Reason Rider. Cancel For Any Reason is not available in all states. If you meet the eligibility requirements for the Cancel For Any Reason Rider and you purchase this optional coverage, you would have the choice to cancel for reasons outside of the covered Unforeseen Events up to 48 hours before the scheduled departure date and receive up to 75% of your pre-paid and nonrefundable trip cost.

The company provides multilingual assistance 24 hours a day, seven days a week. This can help to answer any questions you may have on your plan before, during, or after your trip. Customer assistance is designed to make the claims and reimbursement process as smooth as possible.

Each plan has an available review period (not available in all states) that gives you 14 days to look over the plan after purchase. If you decide within those 14 days that the plan does not meet your needs, and you have not yet left for your trip or filed a claim, you may cancel and receive a full refund.

These plans are underwritten by Starr Indemnity & Liability Company, a Texas domiciled corporation (NAIC Company Code: 38318: TX license number: 93542) with its principal place of business at 399 Park Avenue, 2nd Floor, New York, NY 10022. Starr Indemnity & Liability Company is currently authorized to do business in all states, the District of Columbia and Puerto Rico. Not all coverages may be available in all jurisdictions. This website contains only a brief description of the coverages available under each plan, and the policy will contain reductions, limitations, exclusions, and termination provisions. These plans provide insurance coverage during the covered trip. You may have coverage from other sources that provide you with similar benefits but may be subject to different restrictions depending upon your other coverage. You may wish to compare the terms of these policies with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker.