Offering the highest coverage limits of the three plans provided by John Hancock, the Gold plan offers the most included coverage as well as optional upgrades. This plan offers Trip Cancellation and Trip Interruption, as well as many other coverages including Missed Connection and Itinerary Change. These coverages could come in handy if a covered common carrier delay causes you to miss your cruise departure or if your travel supplier changes your covered trip itinerary after your departure date.
To learn more, see the John Hancock Insurance Gold product page.
The number one covered reason for Trip Cancellation on the John Hancock Insurance Agency, Inc. Gold plan is an:
"Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your
Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date."
In order to receive reimbursement for your covered trip cost, you must complete and submit a Trip Cancellation claim from to the claim administrator. A section of the claim from must be completed and signed by the treating physician because the trip was cancelled due to medical reason. This is industry standard protocol. We would be happy to assist you with any questions or concerns. Our toll free phone number is 800-472-4722.