Travel Insurance, Trip Insurance | John Hancock Travel

Frequently Asked Questions

1. What is the "Cancel For Any Reason” Option

The Cancel For Any Reason Option may be purchased with the Gold or Silver. It allows you to cancel your trip for a reason that is not already listed as a covered risk, such as the death of a pet or your travel plans must change.
If you are prevented from taking the covered trip for any reason not otherwise covered by the policy, you will be reimbursed for 75% of the prepaid, non-refundable payments or deposits for the covered trip arrangements, provided the following conditions are met:

The Cancel For Any Reason Option may be purchased with the Gold, Silver or Bronze Plan. It allows you to cancel your trip for a reason that is not already listed as a covered risk, such as the death of a pet or your travel plans must change.
If you are prevented from taking the covered trip for any reason not otherwise covered by the policy, you will be reimbursed for 75% of the prepaid, non-refundable payments or deposits for the covered trip arrangements, provided the following conditions are met:

  1. this coverage is purchased within 14 days of the date the initial payment or deposit is paid and you insure the cost of any subsequent arrangement(s) added to the same covered trip within 14 days of the date of payment or deposit for any subsequent covered trip arrangement(s); and
  2. this insurance coverage is purchased for the full cost of all non-refundable prepaid covered trip arrangements; and
  3. you must cancel the covered trip no less than 2 days prior to the scheduled departure date.

Cancel for Any Reason option is not available in New York state.

2. What if I buy it and decide the coverage isn't right for me?

If you are not satisfied with the insurance you have purchased, call us to cancel it within 10 days of the effective date. Provided you have not yet departed on your trip, your policy will be cancelled and we'll refund the premium you paid. Written notice is required as a provision of the free look clause.

Free look option not available for the following states:

3. If I already have medical coverage, why do I need to pay for it again within travel insurance coverage?

Travel Medical Expense is designed to cover expenses for accidental injury and sickness occuring on your trip. This benefit provides coverage for medically necessary care that may not be covered on your health insurance plan. You should check with your health insurance provider to verify if you are covered outside of the plan area or the US. This travel insurance also includes valuable 24/7 emergency assistance to aid with locating medical care, medically necessary transportation, and arranging payment for medically necessary care.

If your trip is extended on order of a physcian due to an illness or accidental injury incurred while traveling, hotel and meal expenses as well as additional alirline transportation costs may be covered.

The assistance services can also help you with many other services, such as arranging for forgotten or damaged prescription medication, locating an English-speaking doctor and ensuring you are receiving the right care for a medical emergency. The multilingual assistance staff can provide you with helpful information and advise you where to go if you lose your passport, need cash assistance or need legal services at your destination.

4. Are there any destination countries that are not covered by this insurance?

Yes. American Modern Home Insurance Company, the underwriter of this policy, will not accept enrollments to OFAC destinations.

5. What is OFAC?

OFAC is the Office of Foreign Assets Controls. The Office of Foreign Assets Control administers and enforces economic sanctions programs primarily against countries and groups of individuals, such as terrorists and narcotics traffickers. The sanctions can be either comprehensive or selective, using the blocking of assets and trade restrictions to accomplish foreign policy and national security goals.

6. What documents do I need to submit a claim?

Download the claims form here. This document has detailed instructions on what is needed for a claim.

 

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Travel Insurance provides emergency assistance services should you need help while you travel during your trip. Travel insurance covers: unexpected costs such as having to cancel or interrupt your trip due to unexpected reason, such as an illness of you or a family member, or a travel companion, severe weather, missed connections, strikes, default of travel supplier and other unexpected events that may arise before or during your trip. Plans include trip cancellation and interruption, accident and sickness with assistance services, medical repatriation, baggage coverage, accident insurance, travel accident insurance and many other benefits.

Please read the policy carefully. This is only a summary of our program. Please read the policy carefully to fully understand the coverages, terms, conditions, limits and exclusions. Not all plans or coverages are available in every state. This summary does not replace or change any part of your policy. If there is a conflict between this summary and the policy, the policy will control. Please contact 1-866-888-7803 if you have any questions.

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